davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-28
Product: Bank account or service — Cashing a check without an account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX XXXX, 2015 I erroneously sent an electronic payment to a BofA XXXX card, in the amount of {$1500.00}, that I had closed 5 years prior. The account was CLOSED NOT DORMANT. I called my bank XXXX XXXX XXXX XXXX on XXXX to stop payment. Apparently the were not able to stop the payment. Instead of BofA rejecting the payment, as XXXX informed me they should, they cashed it on XXXX XXXX, 2015. I have filed claims with each bank as well as made dozens of phone calls and visits to the branch. XXXX XXXX confirms BofA took the funds but BofA continues to tell me they do not have record of my payment. It has been nearly a month and no one can tell me who has my {$1500.00}. The account I sent payment to was a closed account. Why did BofA take my money?
Consumer complaint received 2015-10-07
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (NJ)

I purchased a car in 2005 value {$18000.00} Honda Civic. I paid the car note for 4 years at the end of the 4 years I was told that there was a balloon payment of {$8000.00} on the car. I had no idea I had a balloon payment. I told Honda finance that I did not have the {$8000.00} to make a XXXX time payment and they told me I had to return the car after paying for it for 4 years and they will treat it as a lease.I returned the car in great condition with minimal mileage. Now 6 years later Honda reported to credit bureaus that I owe {$380.00}, XXXX for a Civic. I have called several times to Honda Finance to dispute the amount and they said it was corrected .Today it is still on my credit report. This has stopped me from getting other loans or jobs.
Consumer complaint received 2017-07-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

I, XXXX XXXX purchased carpet at Home Depot. I went to the store twice. The first order I cancel it and purchased another color. Home Depot did a bad job with the installation on the carpet. I called them and they stated that Home Depot settled the matter with me and they refused to look into the matter. <P/>Citibank should not take sides with Home Depot I am the one paying them. And Home Depot and I are in the courts over this case. But Citibank should look at what information I am telling them and showing them that the amount on the card was wrong they do n't care they refuse to speak with me and they are my bank. CITIBANK SHOULD LOOK INTO THIS MATTER AND TAKE OFF MY CREDIT CARD WHAT I DID NOT AGREE ON PAYING. <P/>XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX ( XXXX ) XXXX
Consumer complaint received 2015-05-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (MS)

XXXX accounts on my credit report. 1 ) XXXX is a XXXX balance, unable to get them to remove the item stating they need documentation 2 ) XXXX XXXX paid in full states they need documentation which the company has sent to them plus they refuse to make changes to the credit report with my documentation. They are famous to state they will not reinvestigate the account. This is against the FRCA .But they intimidate customers staying even though paid will not reinvestigate the accounts. Accounts status and balances can change and they should be fair and transparent to the customers if information is provided.
Consumer complaint received 2015-10-08
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Niagara Capital Associates, Inc. (MI)

I continue to receive calls from this company XXXX, stating that there is legal action against me. They do not mention anything other than that there is legal action pending if you do not return call immediately. For what for, from who, they do not even mention if they are attempting to collect on a debt. All they provide is a case number, they do n't even say if involves a debt, or not. This is purely harassment for something that is n't being disclosed, threatening legal action for something that is not known. Please investigate.
Consumer complaint received 2015-10-08
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (CA)

In XXXX 2015 I successfully applied for a XXXX Southwest Airlines Rapid Rewards credit card through Chase bank. I applied on-line through the Southwest Airlines website by clicking on a banner advertisement. The banner clearly stated that if I successfully applied for a XXXX Southwest Airlines Rapid Rewards credit card that I would be eligible for XXXX bonus points if I spent {$1000.00} in the first XXXX billing cycles. I read and re-read the credit card contract and offer multiple times and decided to apply. My application was instantly processed and approved. I received the credit card shortly and proceeded to use the card to meet the {$1000.00} spend requirements. Within the first billing cycle I achieved the spending requirements and awaited the addition of the XXXX bonus point to be added to my Southwest Rapid Rewards account. I was aware that there was a delay of XXXX to XXXX weeks to process the bonus. So, when my bonus miles did not get credited to my account after the first billing cycle I was not concerned. On XXXX/XXXX/15 a {$100.00} statement credit was applied to my Chase Visa card. This seemed faintly familiar since I believe it was also part of the XXXX Rapid Rewards credit card promotion. On XXXX/XXXX/15 my Rapid Rewards credit card was credited with XXXX points. In XXXX I had not seen the XXXX rapid rewards points credited to my account. I had operated under the impression that since the original offer was for XXXX points was for {$1000.00} spent in the first XXXX billing cycles. XXXX should have been the end of the first XXXX billing cycles and I had still not seen the credit. On XXXX XXXX I called Southwest Airlines at XXXX and spoke with a customer serviceperson. She explained that my points should be coming as soon as the next bill/cycle posted. On XXXX XXXX I used the automated website email and submitted the same question to them. Later that afternoon I received an email once again stating that reason for the delay was due to the XXXX to XXXX week processing time. On XXXX XXXX I called Southwest again and spoke to a customer service person and they said they will inquire directly with Chase Bank about the issue. On XXXX XXXX I got an email from Southwest stating that Chase Bank had denied that I signed up for the XXXX bonus points offer but that I had actually signed up for a different offer of XXXX bonus points and {$100.00} off your first credit card bill. I called Chase Bank directly at XXXX and stated to that this was incorrect and that I had clearly clicked on the banner for the XXXX bonus points offer. Chase denied that this was the case. Chase claims that I applied under the XXXX points / {$100.00} off XXXX statement offer. I asked to speak to a supervisor or a manager and they refused to put my call through but gave me a fax number. They stated that my claim would be denied even if I faxed a letter in.
Consumer complaint received 2015-10-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CO)

A new collection agency, XXXX XXXX, XXXX has begun reporting an old account that should be removed from our credit reports due to the statute of limitations having expired. this account is from an old mortgage that was opened in XX/XX/XXXX and was in default XX/XX/XXXX when we entered negotiations to attempt to get a mortgage modification. The last payment was in XX/XX/XXXX and the collection agency is reporting that a payment was made in XX/XX/XXXX. This is inaccurate since the modification was denied and our home was foreclosed and sold XX/XX/XXXX. After which we filed for XXXX XXXX bankruptcy and this account was listed, however, the creditor charged off the debt and did not file a proof of claim and surrendered their right to collect. I believe some one has falsified some of the dates and details in an attempt to illegally re-aged the account. No mention of this account has ever been reported on my credit reports until XX/XX/XXXX and no it has suddenly appeared as a current and active collection consequently damaging my credit.
Consumer complaint received 2015-05-01
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (OR)

I tried to get my free annual credit report online from both XXXX and Experian. It has been more than 12 months since I requested a report from either of these companies. Neither company would provide this info to me online ; both require me to submit by mail or phone and wait at least 2 weeks for them to process and send to me through the XXXX. This is an unacceptable delay and makes me nervous that something may be wrong as I have been able to obtain my credit reports online for the past XXXX years. They provided no explanation for this " change '' on their part. In addition, I no longer keep paper versions of these reports but they will not provide to me electronically. There is no way to contact a human being to investigate this problem so it can be resolved so I can access my info electronically.
Consumer complaint received 2015-10-08
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: WELLS FARGO & COMPANY (FL)

I co sign a private loan with Wells Fargo, I have paid over XXXX, XXXX towards the private student loan. Out of all the money i have paid I still owe more that what the initial loan was for. The loan was for XXXX and I owe XXXX. I have paid over XXXX. The loan was taking out XX/XX/XXXX. I started repayment XX/XX/XXXX. This is unfair to how much interest I 'm paying and nothing is being applied to the principle balance. They will not allow me to lower the interest rate after several attempts.
Consumer complaint received 2015-08-28
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I was required by XXXX ( XXXX XXXX XXXX to obtain a XXXX Signature for a Transfer on Death application. I was unaware that the Bank of America XXXX BOA ), where I have several accounts, dropped this service several months ago. My BOA branch said to contact Merrill Lynch. When I asked whether an account at Merrill Lynch was required, the answer was vague. Subsequently, I found out that one had to drive to an office an hour away and even then open an account. I spent several weeks trying in vain to find out where I could get this service. Finally, I went to nearby banks and found that they all provided XXXX XXXX.
Consumer complaint received 2015-10-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (FL)

In XX/XX/XXXX1998 XXXX XXXX XXXX Mortgage charged my account $ XXXX believe this is the cost of XXXX foreclosures which were filed in error XXXX XXXX XXXX XXXX $ loss problems and Wells Fargo merged XXXXI have been trying since 1998 to get a breakdown ( ie time with explanation ) of what makes up this $ amt. Since XXXX every time I send in a RESPA qualified written request, I get the same reply. Which I believe to be a sham '' The matter presented in your correspondence is currently under review and a responsewill be provided to you once our research is complete '' I have yet to receive an answerwith the information requested. I need the reply to be broken down into Attorney fees, late charges, or whatever? by time line. ( ie Late charges {$25.00} for what time? 
I believe this is constructive fraud designed by Wells Fargo.for their gain. Please note, I must receive a reply which will contain time, description and $ amt. XXXX years is sufficienttime to do their research.
Consumer complaint received 2015-07-28
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TN)

I received a letter statementing that I will start being charged for prior service fees/expenses that were incurred and paid for while green tree was/is servicing my loan ( that date back to XXXX XXXX Green Tree has been servicing my loan for about a year and a half now. The expense description is " appraisal-inspection fees '' in the amount of {$15.00} each totaling {$300.00} for outstanding balance which they are roll into my monthly payment. They can give no further explanation or information other than they were previous fees and from a previous servicer that I am required to reimburse them ( green tree ). This is the first I have heard of these fees in the 10 years I have had this loan, it was never disclosed to me nor authorized by me. I have also on several occasions been yelled at and talked to in the most absurd unprofessional manner. I have major concern that these are not legitimate charges.
Consumer complaint received 2015-08-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have never done any business with XXXX XXXX who has obtained a judgement against me. I have called XXXX XXXX several times regarding this matter and have disputed this matter. I have contacted XXXX and they have removed this from my credit report since there was no transaction done by me with XXXX XXXX. XXXX has removed this from my credit report ; however, XXXX Transunion have not. This information is inaccurate. I want this removed from my credit report since I did not do this transaction and no one can provide me with validation.
Consumer complaint received 2015-10-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NM)

XXXXTIMES THE COMPANY EXPERIAN DOES NOT GIVE A CREDIT CREDIT REPORT. 
WHEN I SENT DOCUMENTS THEY REQUIRE I GET NOTHING. THEY ARE DOING A MONOPOLY AND NEED TO BE INVESTIGATED BY OUR DEPATEMENT OF JUSTICE AND THE C. F P .B.PLEASE GET AGGRESSIVE AND TALK TO A HIGH RANKING SUPERVISOR. THEY KEEP GIVING EMBEDDED ANSWERS AND EXQUISES ...
Consumer complaint received 2015-10-09
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Maury Cobb, Attorney at Law, LLC (TX)

this company call my place of employment XXXX times a day it is always an automated system it states my name and continues to state this is a law firm attempting to collect a debt and it provides a number to call back, every time i call the number to find out who this is and why they are calling to my knowledge i do not owe any debts and never recived any notices of collection to my home or job.. i have never been able to speak to a live person the number they provide goes staright to a voicemail and asks me to leave a message and a call back number
Consumer complaint received 2015-07-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (NC)

Seterus, Inc was my loan servicer. They have been paid in full as of Monday and are holding an overage of aproximately {$120000.00}. Seterus, Inc is still not reporting they paid in full status, continues to ask for a payment and claims the full payment is " pending '' and will not give a concise answer regarding the money due me. The home was destroyed due to a fire, I am a single parent, and can not rebuild without the insurance money they are not releasing.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2015-10-07
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (WA)

JP Morgan Chase allows for funds to be removed from your checking account to pay for payments up to XXXX this means that while you 're sleeping your bank account could over draft and it wo n't let you know until it 's too late to fix it. Chase has done this to my husband and I multiple times. 
It 's understandable to have overdraft fees, but to allow payments to be deducted from the account at night when people are sleeping or working and are unable to bring the account positive is just crooked. I check my bank account every night before I go to bed. Last night I had {$32.00} in it. At XXXX this morning I had $ XXXX. Because a check went through last night, at XXXX when I am physically unable tocorrect it because I 'm already asleep. Now Chase will not refund the money because I have had the maximum amount of refunds they allow. This is unfair business practice because I would n't have had so many fee reversals if they would stop charging me overdraft at XXXX eastern time.
Consumer complaint received 2015-05-03
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (HI)

XXXX XXXX Bank has confirmed the current amount owed is {$430.00}. I did not agree to pay Asset Acceptance the amount they claim I owe XXXX {$630.00} XXXX, and has verified is correct. The reality that Asset Acceptance has verified an amount that I did not agree to is despicable, and is a violation of the FDCPA section 808 ( 1 )..
Consumer complaint received 2015-10-06
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (OH)

I have been unable to obtain a copy of my report. I attempted to do so online XXXX and they said that I answered XXXX the security questions incorrectly. I tried again and it locked me out. I never obtained a copy of my Experian report. I tried ordering it by phone instead. Now I have received a letter telling me that I have already gotten my report for the year. I do n't know what to do to make sure that someone has n't stolen my identity, since apparently some information on my account is incorrect. XXXX sent me a report that had a couple of errors in identification information. Please let me know what I should do. Thanks.
Consumer complaint received 2015-10-06
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: BB&T CORPORATION (MD)

My wife and I had purchased a vehicle from a dealership, and the bank the they used has now refused to give us the Title, since a Medical condition caused us to falter on the last few payments. The bank in question has been playing " hide & go seek '' with the Title, using various other institutions as a penalty to us. I once told them to come and pickupt the vehicle, AFTER they made contact with me, but they didia random drive-by to try nd pick it up. When it was n't in front of the house, they then used this tactic as an excuse to with-hold the Title, and claim we did n't deliver as promised. I have multiple documents to demonstrate their devious tactics. The first company they claimed was holding the Title was the " XXXX XXXX, '' in XXXX, MA. Then when I contacted XXXX, they stated in an UNDATED letter that " XXXX XXXX XXXX '' ( XXXX XXXX, XXXX ) to make arrangements to return the " collateral. '' No mention of me acquiring the requested XXXX. The envelope is dated for XXXX XXXX, 2015. BB & T was provided with every piece of Medical information to demonstrate why my obligation to meet the payments were not met. Instead of obtaining the vehicle under professional and mutual means as I attempted, on numerous occasions, they instead started playing with my already XXXX and will, after the well documented XXXX ( " XXXX '' ).
Consumer complaint received 2015-05-01
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY (IL)

American Express refuses to close a Premier Rewards Gold Card. My wife and I close the card, and then American Express claims there are fees ( seemingly a random amount ) that accrued post closing, and seeks payment on them. 
First, Am Ex stopped sending us bills. We discovered this in XXXX, and made XXXX payments to pay off the card and asked that it be closed. We indicated at that time our complaint that we had not received a bill for what appeared to be the last couple months. 
In XX/XX/XXXX, we received a letter stating that the card had been deactivated, and we should activate an enclosed new card if we wanted to make charges. We did not activate the new card. 
Sometime in XX/XX/XXXX, we learned that Am Ex believed there was a balance on our original card. We called and were informed that an annual fee had been assessed. We repeated our desire to close the account, and the representative told us that the annual fee was waived and the account closed. 
On XX/XX/XXXX, we received an email indicating that the account was closed. 
Next, we received an XX/XX/XXXX letter indicating that {$76.00} was due on the account. That was followed by an XXXX statement claiming an {$190.00} balance. 
We called Am Ex on XX/XX/XXXX. We were first told that our balance on the card was {$19.00} and stemmed from a charge from XX/XX/2014. We told Am Ex that such information could not be correct because we paid off the balance since then, and had closed the account. Then, in the same phone call, we were told that the balance was {$75.00} and stemmed from a charge from XXXX from XXXX. We did work with that merchant, and recognized that it was at least possible that they place a charge on this account in error, since this account had been used previously. However, we were concerned that any charge would have been accepted on a closed account. We were then transferred to another XXXX Ex employee who now claimed that we owed {$76.00} on the account. That being the fourth sum quoted to us in this XXXX call, we discontinued the discussion. 
The next day we called the merchant XXXX XXXX. They indicated that they had placed a charge on this XXXX Ex account, but reversed it and billed a separate account. 
We closed this Am Ex account in XXXX. We have authorized no new charges on this account, and have refused to activate the replacement card sent to us. In response, Am Ex has sought to collect wildly variable amounts of money from us on this closed account. 
We ask that the account be correctly coded as closed and paid in full. We ask that written confirmation of that status be sent to us. This zombie card needs to be killed for good, with no possibility of repeating these returns from the grave. 
The written communication we could easily find is enclosed with this complaint.