davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (CA)

My XXXX XXXX took a XXXX XXXX took a XXXX dollar credit card out under my maiden name ( XXXX XXXX ) without my permission. He somehow went over the XXXX dollar limit. When we got a divorce he signed court documents stating he accepted this debt. I sent this to American Express in XXXX after they sent me a notice that they were going to sue me. They havent responded after talking with them 3 times and 2 emails. Its still on my credit report.
Consumer complaint received 2023-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WI)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-05-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NV)

I was trying to make appointments to the XXXXXXXX XXXX in XXXX XXXX by someone who said that they sell appointments to the XXXX XXXX XXXX, however, the required me to send the money first which I did, and theyre not only that did the days back to reply to me, but never were able to get me the appointments or sending back my money The persons Name is XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2017-02-01
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Westside Recovery Services, LLC (CA)

I 've sent multiple requests to collection agency, both regular and certified mail, using their own return envelope that they provided with their collection letter. Collection agency has refused to verify my debt and refused all certified correspondence that I 've sent to them, including Validation of debt request.
Consumer complaint received 2017-03-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

This fraudulent XXXX account that keeps reporting on my Equifax credit report that i have disputed four times already, this particular account was sold to a collection agency by the name of XXXX, in which whom took me to court concerning this same account that they purchased from XXXX. The judge dismissed this case for lack of proof of Proper Documentation. XXXX No longer reports to the CREDIT Bureaus because of the courts ruling on this particular Account. As i stated i have disputed this through Equifax four times already and requested That XXXX provide them Proof of the original contractual agreement and proper Documentation proving ownership concerning this Fraudulent Account in my name, which i have not received any information or proof of Documentation concerning this XXXX account thats reporting on my Equifax credit report ... i have taken so many steps with Equifax to resolve this and to Delete this from reporting on my Crdit Report and they have not Deleted it yet ... XXXX and XXXX have deleted this same account from reporting on my credit report from XXXX, Account # XXXX I am writing and submitting this complaint for this particular XXXX Account to be removed form my Equifax Credit Report. Thank You!
Consumer complaint received 2017-01-13
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

The Post Office returned my mortgage payment with a certified letter, stating on the envelope returned to sender, no mail receptacle, unable to forward. I called Select Portfolio Servicing, as soon as I received the returned certified letter, but the office was closed. I waited until Monday, next business day ( XX/XX/2017 ), and I made the payment by phone. I 'm checking today XX/XX/2017, and the payment had not been submitted to the bank. As far as I 'm concerned they are trying to defraud me. I 'm never late with the payment.
Consumer complaint received 2016-06-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Media Collections, Inc (CA)

XXXX XXXX XXXX has been trying to collect a debt from me which I did not incur. Many years ago I had an account with them, but it was paid in full when terminated, and I have not had an account with them for years. This is what I told them each time they called. 
Today I received notice that they have turned this over to a collection agency, Joseph, Mann and Creed.
Consumer complaint received 2016-07-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (GA)

I have received over 30 calls in the last 20 days from Suntrust Mortgage to collect a debt on my mortgage account. It is documented on my cell phone. It is intentional harassment, which is part of Suntrust business practices.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (TX)

In accordance with the fair credit Reporting act XXXX XXXX Account ( s ) # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 

Contacted multiple times about website/account accessibility which resulted in late payments.
Consumer complaint received 2016-12-31
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Real Time Group, Inc. (CA)

I currently am upside down {$160000.00}. XXXX XXXX XXXX turned my second over to Real Time Solutions Collections Agency. The second is behind approximately {$39000.00}. After speaking to one the collection agency reps, she informed me that my loan was actually a XXXX loan and not a XXXX XXXX XXXX loan. I told her that this was not true because my coupons came from XXXX XXXX XXXX. She then changed her script and said that " XXXX XXXX XXXX is the Master Investor. '' I filed a complaint with a Legal Veteran Service who reached out to their legal department. I followed up on XX/XX/2016 and was informed that my loan was actually a XXXX XXXX XXXX. I called XXXX XXXX XXXX and they claimed that they could not find my loan, although I was told that if even if my loan was closed they should still be able to find it ; yet they were not able to find me in their system. I have coupons from XXXX XXXX XXXX. 
The collection agency brings up banks that were bought out by XXXX XXXX XXXX. I think that the agency is being misleading and not be forthcoming about this debt that came from XXXX XXXX XXXX.
Consumer complaint received 2016-10-25
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (IL)

I sent XXXX XXXX XXXX a certified letter on XX/XX/2016 and requested proof that the debt and the account was mine ( signature, etc. per law ) I received a response saying that could not provide proof, as the account was opened online and that they would not be responding to anymore inquiries.
Consumer complaint received 2016-05-24
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Credit Systems,Inc. (SC)

I have asked National Credit System to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2021 I was sent a letter from XXXX XXXX XXXX advising that my account was paid off due to my auto insurance company XXXX paying the balance of XXXX in full and I owed XXXX. This account is still reporting to my credit report in error and violating the fair credit reporting act The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority.
Consumer complaint received 2017-01-13
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo Mortgage & Wells Fargo Home Equity had bought my XXXX & XXXX mortgages with the purchase of Wachovia in XXXX. The XXXX mortgage was paid ahead 10 months as a result of extra principal payments from XXXX. In going thru a separation with my spouse XXXX Wells Fargo allowed her individually to change the paid ahead " buffer " to a principal reduction which changed the due date from XXXX XXXX, XXXX to XXXX XXXX, XXXX ( backwards & loosing 9 months ). The correction debited the paid ahead balance and credited the interest in an amount over {$40000.00} which the lender failed to correct on the XXXX mortgage interest reporting for that year ( attached ). 7 months later the loan was on the verge of default after my numerous attempts to correct this payment adjustment but was declined numerous times. I attempted a modification with the lender however Wells Fargo entered into a unilateral mortgage agreement with my former spouse only in early XXXX to payoff XXXX existing mortgages affected by the payment misapplication ( attached ). The lender had instructions and even printed my name to be signed on the mortgage documents ( attached ) however accepted my former spouse 's signature only without a divorce decree or quitclaim deed or court order as required by statute & XXXX rules. Wells Fargo then continued to report the loan under my credit bureaus for years thereafter and has as of this day never cancelled the paid off deeds of trust. The lender actually has denied access to loan information numerous times stating I am not a borrower, however continue to claim that I am the borrower and are using my property without consent. Years later in XXXX the lender finally removed credit reporting but in late XXXX it was discovered the lender had failed to cancel the paid off deeds of trust from the XXXX refinance with my former spouse ( only ). The erroneous credit reporting disqualified me for obtaining a mortgage during that time and the unreleased deeds have prevented me from obtaining credit as they continue to show an obligation. The bank has refused to correct numerous times and has violated not only Fair Credit Reporting act but XXXX, Truth in Lending, RESPA, Fair lending, XXXX rules, XXXX XXXX XXXX CFPB rules but have used my credentials and property without permission or court order to allow an individual ( former spouse ) to obtain an artificially low interest rate ( 1 % ) on a government subsidized mortgage while at the same time increasing living expenses and preventing further credit from being obtained ( identity theft ). Wells Fargo has also denied access to closing document information regarding title insurance name and contact.
Consumer complaint received 2017-01-14
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

In regard to the complaint I submitted on XXXX # XXXX, Since there is some changes happened to the case I would like to update the changes in the form of a summary, I ordered, the order # XXXX from XXXX using my XXXX, On XX/XX/2017, due to fraud transaction I closed the account, and the balance of this account was the price of that order, The XXXX credit card representative advised me to go to any XXXX store and pay for the order, On XX/XX/2017 I went to XXXX located at XXXX XXXX NJ XXXX, and paid {$44.00} reference # XXXX using my Bank of America credit card ending XXXX. 
On on XX/XX/2017 I received statement from XXXX for the same order, On XX/XX/2017 I contacted the XXXX XXXX card, around XXXX, answered by XXXX XXXX, and asked him to contact, XXXX and update the balance by the payment I did, he told me to wait until XXXX will update it, On XX/XX/2017 I contacted both, XXXX, answered by XXXX and XXXX, and XXXX card answered by XXXX or chavil? And both of them accused each other of having the responsibility, to correct the mistake, On XX/XX/2017 I received e-mail from XXXX help, to go to the store and refund the bill, paid on XX/XX/2017 by my visa card bank of America ending XXXX stating that they received it by mistake? 
On XX/XX/2017 I went to the same XXXX store and paid the credit balance using my debit card, reference # XXXX for the same order, but they could not refund the first bill, In summary, it means that I already paid to XXXX the order twice, I would appreciate, if you help me to dispute and the refund the payment with {$44.00} which went through my visa credit card bank of America ending XXXX Attached all the documents and the proof of my complaint, Thank you and I appreciate your time XXXX XXXX, XXXX NJ XXXX XXXX XXXX
Consumer complaint received 2016-09-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (GA)

Re : Complaint # XXXX, XXXX and XXXX. Wells Fargo Mortgage continues to stonewall both CFPB and me hoping I will give up on both of you. I refuse to capitulate despite the enormous hours spent bringing this issue to resolution. WFM is now one week late in providing it 's response to my disputed reply to their last " explanantion. '' They charged me an undisclosed, non-itemized charge on my mortgage refinance despite State law requiring details on any bank charges in a closing statement. A so-called " delinquent escrow '' charge they have now disclosed was impossible since I did not have an escrow account prior to the refinancing and have canceled checks showing that all insurance and property taxes were paid and current at the time of the refinance XX/XX/2014. This behavior continues and the headlines this week confirm a culture of deception and delay by Wells Fargo. Further, the ASC representative in a recorded conversation actually asked me why I did n't inquire at the closing about the charge for an " unpaid principal balance '' which now they detail as a " delinquent escrow '' account charge. It 's time, again, for CFPB to support this effort and require Wells Fargo to remove the charge from my statement and clear any implication that this consumer ever had any delinquency with them.
Consumer complaint received 2017-01-15
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

Letter was sent from Carrington Mortgage dated on XXXX received Sat XXXX stating that my Mortgage was behind 30 days and if I do n't pay XXXX in 30 day they will start forclosure procedures, I mailed XXXX payment also, that payment have not posted to account, I also made online payment today XXXX for XXXX a they put this on my credit report I have never been late on my mortgage in 16 years a check was sent and received by Carrington Mortgage and deposited on XXXX, The account # written on the check were to post payment. which they clearly did not do. I have read complaints on how carrington does business I 'm clearing unhappy, They have not sent mortgage coupon so I have to send check in regular envelope and write the account number on check for the to post to account ...
Consumer complaint received 2016-12-30
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank Of America is trying to charge interest on PURCHARES made while there is a balance from a 0 % promo on my account. EVEN if those purchases are paid in FULL at the end of the statement period. I paid a Transfer fee of 3 % when I got the Promo offer. 
Is this practice even legal? 

They charged me {$2.00} for having the {$530.00} on the account from XXXX XXXX to XXXX XXXX, 2016.. Since it was not a full Month, the 11.9 % interest was calculated on {$260.00} of the {$530.00} for a total of {$2.00}.
Consumer complaint received 2016-05-24
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TD BANK US HOLDING COMPANY (NC)

I have an auto loan with TD Auto Finance that was taken out in XXXX XXXX. My payments began in XXXX XXXX. I am enrolled in the auto-pay feature on the TD Auto Finance Website. Since the loan was originated and payments made in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX I have not received a single account statement via mail or able to access statements online when I login. I called into TD Auto Finance on XXXX XXXX, XXXX and was told that since I am enrolled in " auto-pay '' they do not send statements nor are statements accessible online. This is absurd. As an account holder and payor I should be able to access my account statements at any time. They said if I wanted statements I would have to call in every time to request them. Why should the benefit of receiving or accessing an account statement be removed if a payor is enrolled in auto-pay? The auto-pay is a benefit to the creditor as they are more likely to get payment on time. As a consumer I feel like my account data is being kept from me in hopes that I will miss a payment so that additional loan fees, interest and penalties can be assessed.
Consumer complaint received 2016-06-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

TransUnion reporting agency is not updating my XXXX account. On XXXX XXXX 2016 i contacted XXXX XXXX XXXX department and they sent out a letter to all XXXX consumer reporting agencies instructing them to update my information. However when I contact Transunion on XXXX XXXX they said that it was not possible to update my information even though a letter had been sent from XXXX to do so. They refuse to update my account information to this day. Please see attached documents.
Consumer complaint received 2017-01-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (SC)

XXXX has placed a collection on my credit despite the fact that their parent company was paid by me. Equifax has this reporting as account # Account # XXXX, however my Account # XXXX was the number listed on XXXX bill. The patient # XXXX. I sent them a check on XX/XX/2016, it was received and withdrawn from my account on XX/XX/2016. They have not removed this from my Equifax profile. I have attached a copy of the cleared check.
Consumer complaint received 2017-01-15
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I HAD AN COMPANY XXXX CONTACT ME AT HOME AT XXXX ON A SATURDAY MORNING WITH LETTERS WITH BANK OF AMERICAS LOGIN STATED THAT I HAD ISSUES WITH MY LOAN MODIFICATION APPROVED BY BOA 6 YEARS AGO. MINOR THREATS STATING THAT I NEED TO RESIGN PAPERS AND THAT OTHER PEOPLE EXSISTED ON MY TITLE WHICH I DOUBT AND I NEED TO HAVE THEM SIGN THE MODIFICATION. THE LOAN IS IN GOOD STANDING SO I DONT UNDERSTAND I DONT LIKE PEOPLE SHOWING OUT UNANNOUCED WITH PAPERWORK THAT CLAIMS I DID NOT WISH TO COMPLETE THE NEW PAPER WORK???