davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-27
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

In XXXX of 2014, I stopped receiving statements/bills from Kohl 's Department store for my Kohl 's charge account and believed the balance ( less than {$300.00}? ) had been paid in full. There was, however, a small balance and Kohl 's continued to issue a {$35.00} late fee on this account each month for 24 months ; the late fees now total over {$840.00}. At no point in this cycle did I ever receive any notice from Kohl 's that there was an issue with this account despite the fact they had our current address on file. This issue came to my attention last month. I 've reached out to Kohl 's in three separate phone calls and have asked that the late fees be removed but have not received any response.
Consumer complaint received 2016-01-19
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NVR INC. (PA)

NVR mortgage gives free kitchen upgrades to all purchasers of XXXX or XXXX homes that agree to use NVR mortgage and the NVR closing company. the rates and costs are not as good as a mortgage lender but the free stuff is clearly steering under your codes. 

they should be stopped from doing this NVR XXXX XXXX XXXX XXXX XXXX XXXX XXXX va XXXX XXXX XXXX
Consumer complaint received 2015-05-24
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

Bank of America refuses to provide lawful information pursuant to the Fair Debt Collection Practices Act to validate a debt. Further, they continue to harm my name by reporting this information to Privately Owned credit reporting companies. Bank of America was asked specifically to provide the following information:XXXX A statement admitting whether you are the holder in due course or whether you are a servicer. 
XXXX. A statement admitting whether you have sold my note in a pooling and servicing agreement. This is also known as securitization. 
XXXX. The identity of the true holder in due course for my loan. If the loan has been securitized, the name of the XXXX my loan was sold to. 
XXXX. The XXXX number under which my loan was securitized to. 
XXXX. Make available for visual inspection my original wet ink promissory note ( not a photocopy ). 
Please contact me in writing to arrange for an appropriate point of inspection
Consumer complaint received 2015-11-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have a ZERO balance with XXXX Now. My credit report show a balance of {$4500.00}. My balance is zero. I filed a balance dispute with Transunion on XXXX, 2015 the on XXXX the results were : Verified/ No Change. I do n't believe my dispute was investigated because I do n't owe this company {$4500.00}. Transunion is n't reporting the correct information.
Consumer complaint received 2015-07-09
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Alorica Inc. (ID)

West Asset Management continues to call me for a debt owed by XXXX XXXX XXXX. My name is XXXX XXXX XXXX. They are calling more than once a day. Once with a person who says they will take my number off and once with a robo call that does not give me the option. I have asked then to stop repeatedly. They refuse to do so. this has been going on for over XXXX months. Recently I have had other debt collectors start trying to reach me for the same person 's debt. It think they got my number from West.
Consumer complaint received 2015-11-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CA)

I pay my mortgage to Chase via XXXX. I accidently entered the wrong XXXX XXXX XXXX XXXX XXXX XXXX did not contact me, but my payment was returned to them due to the wrong address. Chase sent me a late payment and we ( XXXX ) uncovered what happened. I immediately paid my XXXX mortgage payment. Chase reported me to the credit bureau. I 've had my home for almost 20 years and have never been late. I 'm asking Chase to expunge this from my record based on my good-faith statement. They refuse. I think this is unfair, not consumer friendly, and a severe repercussions for a simply typing error. I have all the records on XXXX and can provide to you at any time.
Consumer complaint received 2015-07-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: IQOR US INC (OH)

I had cable service from XXXX XXXX that was contracted through XXXX XXXX. All billing for my cable service was received from XXXX. I never had an account directly with XXXX XXXX. Upon the end of service, I received a bill from XXXX that reads FINAL BILL more than a year ago. The FINAL BILL showed that I overpaid the account by more than {$50.00}. However, XXXX XXXX created an account after service ended and continues to send me fraudulent bills via collection agencies attempting to collect at first {$230.00}, then {$140.00}, and recently {$98.00}. On XX/XX/XXXX, I contacted XXXX via certified letter to dispute the debt, provided a copy of FINAL BILL proving balance was not owed. This collection company stopped contacting me after the letter was sent. Then I received collection attempts from XXXX XXXX XXXX in XX/XX/XXXX and XX/XX/XXXX. Again, I sent a certified letter to dispute the debt, provided a copy of the FINAL BILL providing the balance was not owed. This collection company also stopped contacting. 
However, on XX/XX/XXXX, another collection company called Allied Interstate has sent me a letter attempting to collect the debt. Will all collection companies across the USA attempt to collect an alleged debt on a fraudulent account for the rest of my life? Will I be required to send certified letters every 6 months when XXXX XXXX sells the fake account to another collection agency until the statute of limitations passes ( another 5.5 years from now )?
Consumer complaint received 2015-07-09
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

I have already sent in numerous complaints regarding Bank of America and my mortgage problems as you can check via case numbers XXXX XXXX XXXX XXXX XXXX I am being asked to sign a form to voluntarily terminate my FHA mortgage insurance by Bank of Amercia when this has never been brought up before and their reasoning told to me is that it will give them more wiggle room to possibly help me. I have nothing sent to me outlining how this will help me. How will something that is meant to be a source of protection to BOA in case of Foreclosure XXXX which they have set for XX/XX/XXXX? Also, if I were to sign this and they proceed to foreclose how am I protected. I feel like I am being herded in the direction of not only losing my home but ultimate financial ruin. Is this really a viable solution for me? They still are n't addressing the fees they have been charging XXXX erroneously ) since I had a short sale buyer for almost XXXX years via Bank of America Short Sale program in which BOA dropped the ball on so to speak and I eventually lost the buyer in XX/XX/XXXX. I am beseeching help in this situation.
Consumer complaint received 2015-09-28
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Works & Lentz, Inc (OK)

There are XXXX collections from Works and Lentz, medical accounts ; They have been paid. Only XXXX credit bureau still shows them. Whu are they still on XXXX, and not the other XXXX. I need these taken off.
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the law.
Consumer complaint received 2015-09-14
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: CITIBANK, N.A. (OH)

I contacted Macy 's credit card customer service in XXXX. I had been off work for medical issues and needed help making my credit card payments for awhile. I talked to a woman who said she would set me up on a 12 month program. She was reducing my monthly payment to XXXX dollars, lowering my interest rate to 3 percent and moving my due date to the XXXX of every month. In order to do this I had to close my account, which I agreed to do. I logged into the credit card website in XXXX to make my payment, and my account reflected the payment program. I made the XXXX dollar payment as agreed and was charged XXXX dollars and some change in interest. Come XXXX, I log into my account to make my payment. Well now my payment plan looks to be non existant, my account is still closed and I 'm showing as XXXX dollars past due! I desperately try to get anyone to help me. I called over XXXX times and each person told me they could n't help me and to call back. They gave me the number to the department who handles hardship accounts, to which I left a voicemail and never got a return message. I did XXXX online chat sessions, where both people would not help me. I submitted XXXX online secure messages, I sent XXXX complaints to the XXXX. I just do n't know what to do! No one will help me or even acknowledge me!!! This is ruining my credit!! I feel I was lied to, mislead, and tricked into being put on a program and having my account closed when that 's not what actually even happened! I need someone to help me! When you look at my statement for XXXX, it shows a payment plan and 3 % interest, but when you look at my XXXX statement it reflects XXXX dollars of interest, late fees, and past due amounts! This is seriously stressing me out. I feel like they have all this control over my credit and are just ruining it.
Consumer complaint received 2016-03-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (CO)

I filed an insurance claim. My insurance company promptly issued me a check and included my mortgage company. I got estimates, had the work completed, got an inspection that it was done. My mortgage company. Pennymac, is not releasing the funds to pay off the contractor. My mortgage company keeps sending me random forms that I already completed to be notarized and each time I call they give me a different excuse.
Consumer complaint received 2015-05-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (AZ)

Phone call was made for XXXX XXXX at XXXX XXXX time from XXXX . I do not know XXXX XXXX. Phone number XXXX extension XXXX claimed by representative XXXX XXXX ( woman ). Company MCM or Midland Credit Management. I also Spoke with XXXX XXXX ( man ). He claims the address is XXXX XXXX XXXX. I am on national do not call list. This is a repeat offense from this company. This and many other companies have been warned not to call and they still repeat their actions.
Consumer complaint received 2015-04-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NC)

There are XXXX accounts on my credit report that are not correct ... XXXX Bank master card ... never had XXXX ... .XXXX ... charged for an item not received ... XXXX..acct. paid off over six years ago and equipment turned in ... do not owe any balance
Consumer complaint received 2015-07-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TN)

I had my son in a daycare called the XXXX XXXX, I am currently going thru adivorce. My ex husband who lives in XXXX while I live in the state of XXXX tried togo to the day care and get my son and attempted to take him, out ofthe country. I was alerted got, the law involved and my attorneys I was told notto have my son out of my eye sight. I had to move, etc. I gave the day care averbal notice and I called them to confirm my child would not be in due to whathappened. Then I was contacted by a credit agency telling me they reportedme to their agency. I let the agency know that I was disputing the charges, as Ihad a safety concern to protect my child. A notice was given to the company, and they had children on the waiting list that took my child 's spot right away, not keeping them from making money or losing money due to taking mychild out of the center. 

When I called and let them know that my child was not going to be going backto the center, I was not told I would be responsible for anything else, as I hadpaid in full. As I had always paid XXXX weeks at a time. 

This {$340.00} dispute that is showing on my Credit Report needs to be taken offas it is not like me to not pay a payment. And a notice was given to thedaycare.
Consumer complaint received 2024-11-23
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. (GA)

I am writing to request the immediate removal of certain accounts from my credit report, as I am a victim of identity theft following a recent data breach. As outlined under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts be blocked and deleted from my credit report.

Fraudulent Accounts : 1. Creditor Name : Achieve Personal Loans o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$00.00} XXXX. Creditor Name : XXXX  XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3100.00} XXXX. Creditor Name : Capital XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$9400.00} XXXX. Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$14000.00} XXXX. Creditor Name : XXXX XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$35000.00} XXXX. Creditor Name : XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$12000.00} XXXX. Creditor Name : XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$00.00}
Consumer complaint received 2016-03-30
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (NY)

Dear XXXX XXXX, I am disappointed to find out that you have changed the terms and condition on all of your cards to once-per-lifetime signup bonus. Having signed up for your XXXX XXXX card and XXXX XXXX card when it was only offering XXXX points, you have now increased the sign up bonus to XXXX during recent promotion. I contacted you by phone for a courtesy match for an adjustment of XXXX which was initially declined but was later offered XXXX instead. The points have not been posted yet and I kindly ask to please match the signup bonus by making a XXXX courtesy adjustments on both my personal and business XXXX card. I have been a long time customer with you and hopefully have put enough spend on the cards to earn such adjustment.
Consumer complaint received 2015-12-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK (NJ)

Discover bank offered a promotion of {$300.00} to ALL customers who set up a new discover checking account, if they had a previous relationship with Discover, and had XXXX direct deposits come in of at least {$250.00} within 60 days of opening up the account. ( they later changed the terms, however stated since I opened my account before the change, I was grandfathered into the promotion ) Their terms stated that the bonus would be " automatically '' applied 30 days after fulfilling their requirements. However, it has now been more than 30 days since I had the XXXX direct deposits go into the account, and no bonus has been applied to my account. Discover Bank has violated the terms of their agreement, and has not paid out the {$300.00} that was guaranteed by the bank. I would like my {$300.00} bonus to be paid out immediately.
Consumer complaint received 2015-09-26
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Grant & Weber (CA)

XXXX XXXX XXXX did not bill my insurance. I continue to give them the information and they have it on file but never bill them. I have been sent to XXXX collection agents, XXXX and Grant & Webber Attorny, There are XXXX medical bills for my family and they will not bill insurance. 
XXXX XXXX XXXX XXXX XXXX California
Consumer complaint received 2016-02-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (OH)

I was sent a letter stating that I was in default, I checked in at the website, it shows my payment not being applied on the day I made it, my conformation no. Is XXXX, I also had a message saying that I called and made arrangements to pay on the third, I did not, I call and talked to a XXXX employee number XXXX and was told to disregard. Just trying to stay out of trouble, please help if you can, thank you.
Consumer complaint received 2015-07-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (NV)

My loan was transferred to Specialized Loan Servicing in XXXX 2015 and they have neglected to pay my special assessment taxes and now my home is in foreclosure status. I have copious amounts of notes showing my contact regarding this issue since XXXX 2015. 
In addition I have been sent incorrect escrow analyses showing they have paid irrigation taxes and I pay my water bills monthly. They also have incomplete documentation on all my calls. 
They indicate they will take care of the situation but 4 months later it is still on going.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I noticed several unauthorized hard inquiries on my credit report from Equifax and XXXX, dated [ XXXX XXXX XXXX ]. These inquiries were made without my consent, violating the Fair Credit Reporting Act ( FCRA ), Section 604, which requires permissible purpose and consumer authorization. On XX/XX/year> and XX/XX/year>, I requested that these inquiries be removed from my credit report as they are inaccurate and damaging my credit score. Despite this, the inquiries remain, and no resolution has been provided by the companies involved.
Consumer complaint received 2015-04-29
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (GA)

The very first day that I spoke with Wells Fargo, I assured them that my husband was on the title/deed of the house with me equally. I had this done specifically at a re-finance. Wells Fargo assured me over and over that his name was NOT on the deed and that, as we were in the process of divorcing, my husband would buy the house from me at appraised value. After the appraisal, Wells Fargo said that my ex-husband WAS in fact on the deed and that there could be no sale, but instead a re-finance of the home at a lower amount. They had to start all over. It took months to get my ex husband signed on the house two weeks ago. Now I am trying to buy a house in another town. I have been approved for the loan and have been offered no less than XXXX closing dates for the last month and a half. Each time, something comes up as done wrong and it 's consistently blamed on the underwriters team. This process has been more than just problematic, it has been handled ineptly. The lender representative has consistently talked over me, ignored my questions, and asked me to do the running-around and paperwork that he is supposed to be doing. I know this because the institutions that see me there in person keep asking why he does n't just call and get the same information/form/approval straight from them. I 'm worried that this loan will NEVER close. I am already paying utilities and electricity and insurance on a house in which I can not live, because I was supposed to be living there a month ago. I need help. I just this moment got word from the lender that they need a XXXX form. This is critical to a VA loand and I am amazed that they can get to closing day without a XXXX already ( which they already had and lost ). The lender representative is also holding a VA certificate of eligibility at this very moment that the underwriters are saying they do not have. This whole loan reeks of incompetence.
Consumer complaint received 2015-07-09
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (MI)

I was sent an email offering XXXX at a low cost. I checked the internet to inquire about negative information on the business and found nothing. It was XX/XX/XXXX and I asked my husband would he make me a XXXX gift of the XXXX. He said if I could pay the bill in XXXX months I could do it. I visited the clinic to get my questions answered. After being told the XXXX would cost $XXXX, the intake person encouraged me to get it financed through Care Credit (a subsidiary company of Synchrony Bank). I was given the brochure and was told to ask them about XXXX-month financing. I was unsure about opening another credit account because I have a number of credit cards already and did not want to wreck my credit score by adding another. But I had another Synchrony credit card (JC Penney) and they were a very reputable business, also I knew I could close the account after the card was paid off.   I called the number and after being transferred XXXX times, I was transferred to the person who authorized my XXXX to be financed over XXXX months.  When I asked for paperwork to verify, I was told that I should merely tell the doctor's office I was approved.  I never would have gotten the XXXX done on a 6-month interest free financing. After my XXXX, I began making payments in XX/XX/XXXX of large amounts, because I wanted a smaller, manageable amount to end my payments in XX/XX/XXXX. I never looked at my statements, I just checked my online account and continued to make payments.  In XX/XX/XXXX, looking at my online statement, an unreasonably large amount had been added to my payoff balance. I called and questioned Care Credit, and they said the doctor had denied me the XXXX-month interest free financing. I was appalled, I had never heard of a credit card company doing what the payee said and not the payor.  I had never been notified by the doctor's office or by email from Care Credit that I had been denied. I trusted that the right thing was being done. I never checked my online statements, I just continued to make payments. I transferred most of the balance to a more reliable credit card, but was still charged an unreasonable amount again on the unpaid amount. What kind of credit company charges $XXXX for XXXX months on XXXX and than another XXXX on an unpaid balance of XXXX? I felt completely cheated because they wrecked my credit, and I felt they stole my money.