davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-13
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Sa-Vit Enterprises, Inc. (NJ)

My ex-spouse passed away. Medical bills for my children that my ex-spouse was legally responsible for were not paid. The bills were being sent to him. I had no knowledge of the bill until I received a notice from my credit monitoring company. I contact the collection agency and was told it is my problem and to take my dead ex-spouse to court. They refused to work with me and told me it is my problem and I have to pay the bill, just before hanging up on me. They offered NO documentation that this bill was valid nor did they made any attempts to contact me regarding outstanding debt. I have since paid the debt even though I have received no proof that exists and have filed dispute cases with the credit reporting just to not have it impact my credit report. I find it unacceptable that a debt owed by my deceased ex-spouse be charged negatively against my credit when I have NO knowledge of its existence.
Consumer complaint received 2015-07-13
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF THE WEST (CA)

My mother and I are co-trustees on a Bank of the West personal trust checking and savings account. My mother is in-home care under XXXX, and she requires 24/7 care. I have been handling her personal finances for years using Bank of the West on-line banking. The on-line account with all of her important payees was XXXX XXXX/XXXX/15 by the bank due to retaliation for my requesting a written explanation why a payment scheduled for XXXX payment was late. The payee was furious after receiving yet another delayed payment. I used the on-line system to register the complaint XXXX/XXXX/15 in order to have an official record. Late payments have been going on for months, and I have been reporting into Executive Office, which has not offered any remedy. The bank is not taking responsibility or even acknowledging late payments, and XXXX the on-line account I 've always used, which cut me off from accessing all the records I 've established to appropriate handle my mom 's money management to timely pay all debtors. This is elder abuse because it has created a situation impacting payments necessary to ensure my mom 's needed care and well being. Their late-payment processing and lack of taking responsibility for it are unethical. HELP PLEASE!
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

This is my several endeavors to tell you that I am a victim of identity theft, and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-07-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ONLINE Information Services, Inc. (OH)

A business was created under my name without my consent or permission, I have asked several times for the debt collector to remove my number. 
They called yet again today and when I told them it was not my debt they became rude and harassing.
Consumer complaint received 2015-07-13
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: BMW Financial Services NA, LLC (TX)

I purchased a XXXX XXXX XXXX from XXXX of XXXX in XXXX of 2013 using a loan funded by BMW Financial. 
The agreement called for {$1000.00} incentive payment credit over the XXXX XXXX payments due. 
When I set up my payment account on the XXXX website it showed the ( XXXX ) {$500.00} credits towards the loan. 
I made the XXXX pro-rated payment. When I went to make the XXXX payment, the credit had disappeared from the account. 
I took it in good faith that the credit would appear and made the pro rated payment. After questioning BMW financial and sending a letter to them I received a response that indicated the dealer had withdrawn the XXXX credit. I was told that they had used an alternate vehicle to " write the contract '' for the {$1000.00} payment credit and then withdrawn the XXXX payment credit. I spoke with my original salesman and the finance manager at XXXX of XXXX after this revelation. The finance manager ( a woman ) was abrupt, admitted her employee made a mistake, said he 'd be counseled on it and basically said I had to live with it. 
By this time the payment showed as 30 days late and has continued to show 30 days or more late depending on when the payments are posted in the month. I have on XXXX occasions delayed payment and attempted to reengage BMW Financial and XXXX of XXXX on this matter. Approximately 2 weeks ago I went to XXXX of XXXX and spoke with XXXX XXXX the General Manager. He offered to send a check the next day for the misunderstanding ( contract fraud ) on their part. I agreed and decided to take on BMW Financial and the late payments on my own. XXXX XXXX did not keep his agreement and no check has been received. He/They have not kept their word on anything other than the delivery of the vehicle. 
My credit score with XXXX has gone from over XXXX to XXXX during this time and because of the issue. The other XXXX bureaus reflect a similar problem. ( Please note that on the day of purchase they said I had a " XXXX '' credit score with XXXX contrary to what I printed off and showed them. 
I offered to refinance the loan right after this was discovered however because of the late payment no one would refinance it even with the explanation. 
I respectfully ask that XXXX of XXXX pay all fees and past due amounts on this loan and that they engage the XXXX representative to have BMW financial correct the loan account to show as always paid on time, never late.
Consumer complaint received 2015-07-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (NY)

Under Personal Information on my credit report my sons ( XXXX XXXX XXXX information XXXX Address : XXXX XXXX XXXX XXXX XXXX appears on my Equifax report in error and I 'd like to have it removed asap. Thank You, XXXX XXXX.!!!!
Consumer complaint received 2015-07-13
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (NY)

I request that the CFPB investigate Sears ' failure to properly handle and investigate a fraudulent and unauthorized charge that was made on my Sears account ( ending in XXXX ) for {$7000.00} on XX/XX/XXXX ( See Exhibit A in attachment ). I have been the victim of a fraudulent scam that has caused significant emotional and financial hardship to me and my family. I am being charged for XXXX XXXX Licenses from the XXXX XXXX that I never agreed to purchase and that were never issued to me in my name. For more information about the fraudulent charge, please see the billing dispute letter and accompanying exhibits A through J attached below. 
On or around XX/XX/XXXX, I notified Sears of the fraudulent charge on my XX/XX/XXXX billing statement. Pending the investigation, Sears credited {$7000.00} back to my account ( See Exhibit B in Attachment ). XX/XX/XXXX, Sears provided me with a copy of a letter from the XXXX explaining that the " license was issued '' despite the fact that I never received or was issued a license under my name ( See Exhibit C in Attachment ). On XX/XX/XXXX, Sears re-debited the {$7000.00} charge from my account. On XX/XX/XXXX, I submitted a XXXX written billing dispute letter in which I again explained that I was charged for XXXX licenses that I never agreed to purchase ( See Exhibit E in Attachment ). On XX/XX/XXXX, I filed a XXXX billing dispute to Sears requesting that Sears investigate the matter and provide me with documentary evidence of the unauthorized transaction pursuant to 12 CR 1026.13 ( f ) ( 2 ) ( please see attached dispute letter and accompanying exhibits A through J ). 
In response to the second and third billing dispute letters, Sears has failed to provide me with a written acknowledgement of my letter ( 12 CFR 1026.13 ( c ) ( 1 ) ) and has failed to provide me an explanation that sets forth the reasons for Sear 's belief that the billing error alleged by the dispute letters is incorrect in whole or in part ( 12 CFR 1026.13 ( f ) ( 1 ) ). They have also failed to provide me with copies of documentary evidence of the unauthorized charge for {$7000.00} ( 12 CFR 1026.13 ( f ) ( 2 ) ).
Consumer complaint received 2015-07-13
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL (NY)

I am having a problem accessing my Care Credit Card account online and the bank issuing the card, Synchrony Financial, is not helping me gain access to view my account information online on their website. I have no idea what is going on with my account now. Their Customer Service department has been no help at all and do not seem to care. Every time I try to log into the website at XXXX I am getting messages saying " Your account information is not available online. Please contact Customer Service at the phone number provided on the back of your card or statement. '' My log in information is correct and the site actually says I am logged in, but it refuses to let me see my account information and just keeps giving me that same message. I contacted Customer Service and it was torture trying to get through to an actual person. When I finally did speak to a customer service rep she was completely unhelpful. All she could say was " Refresh your browser and try again in a couple of hours. '' I explained to her that I had done so multiple times and tried logging in multiple times on Internet Explorer, Chrome and Firefox and I keep getting the same error message over and over again, no matter what. Her answer : Refresh your browser and try again in a couple of hours. I asked her to put me through to technical support and she said there is no technical support. I have twice tried emailing the company at three different email addresses - XXXXXXXXXXXX, XXXXXXXXXXXX, XXXXXXXXXXXX - and have received no response whatsoever. So the problem remains unsolved and I can not access my account. My account is set to take monthly automatic payments of {$100.00} from my checking account which I set it to do when I last had access to it. I wanted to change that automatic payment and I am wondering if Synchrony Financial is deliberately preventing me from accessing my account so they can prevent me from turning off auto payment. I also am not receiving any paper statements from the bank so I can get no information about what is happening with my account at all. I do believe it is illegal for them to withhold my account information from me and therefore I am filing this complaint against Synchrony Financial.
Consumer complaint received 2015-07-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (MD)

Paid/satisfied judgment was investigated and deleted about XXXX years ago but reinserted XXXX months ago. Several attempts have been made to correct situation. I was told by Equifax that I needed an attorney to be given proof of previous investigation records that reflect claim. I have spoken with several employees of company that informed me they were all supervisors and there in no higher point of escalation. 

There have been trade lines deleted from my credit report with perfect payment history which has subsequently lowered my credit score. XXXX has opened their own investigation to determine why this has occurred. 

My XX/XX/XXXX XXXX XXXX XXXX care loan with excellent payment history has been marked " not reported '' for duration of loan. The loan has perfect payment history and was paid in full. This is affecting my credit score. 

I have paid off XXXX car loans with XXXX credit union since XXXX and the report only reflects XXXX car loan. 

All of my student loans have been marked as payments " not reported '' for the entire XXXX month history after speaking with XXXX XXXX approximately XXXX weeks ago. I spoke with XXXX XXXX XXXX days ago and was informed that the items would be investigated but they are not reflecting investigation status on my report and I have been blocked from online disputing. 

Many of my revolving accounts are reflecting inaccurate payment history. The payment history was deleted and marked as " no history available '' XXXX hours after speaking with XXXX XXXX. 

It would appear that I am disputing inaccuracies with this credit bureau every other week and my credit score fluctuates XXXX-XXXX points from week to week and has rendered my creditors unable to make lending decisions. I am constantly disputing old information that should not be reflected on my credit report. Each time I am told to open a new dispute and wait an additional XXXX days.
Consumer complaint received 2015-07-13
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion has allowed XXXX to do hard inquires without my permission. I researched this company and it went out of business some time ago. 
XX/XX/2015, XXXX/XXXX/15 and XXXX/XXXX/15 hard inquires
Consumer complaint received 2015-07-13
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

My complaint is against Bank of America and their handling of my mom 's payable upon death accounts. My brother, sister and I were told over the phone to come in, bring the death certificate, identification and we would be issued a check for our money at that time. Instead, when we arrived and filled out the appropriate paperwork and provided identification, they informed us that we had to wait 15 days for their legal department to review our request. They would n't say why they needed to review, but they just needed to review as " policy ''. After we objected, they said they could get us our money in 3 days. But that 's not what we were told over the phone. But it does n't start here ... when our mother tried to set up the beneficiaries for this account years ago she was told everything was set, but was always curious why not all our names were on the account. We brought this up at a branch in Florida and they said that " all the names did not fit on the line but that it 's set ''. Upon further questioning, it turns out the account was set up incorrectly, and not all our names were on there. After hours of trying to get a straight answer, and dealing with rude people, the account was set up correctly. And then she passed about five months later. Shortly after, our brother who is the trustee of the accounts, went to see the procedure to get the money at a B of A located in XXXX XXXX, XXXX. He was given a form to fill out, but then the bank representative refused to notorize it, claiming " we were not a customer of the bank ''. You meant to tell me that having more than $ XXXX in our names does not count for being a customer of a bank?? The service and ineptitude at B of A, in their XXXX, XXXX branch, their XXXX XXXX, IL branch and their XXXX XXXX branch is appaling. And what 's their resoning to keep our money for 15 days as part of " policy ''? We went to the XXXX XXXX XXXX where our mom had $ XXXX and we went right up to the teller and she gave us our money. I understand credit unions are supervised by another regulator, but the Federal Reserve should look into this " policy '' of B of A -- and what 's that policy bringing them -- probably millions of dollars in banking revenue for them. They have no right to put a so-called " hold '' on our money.
Consumer complaint received 2015-07-13
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (FL)

Complainant : XXXX XXXX / owner of the House Located at XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, Florida XXXX, I live in this house for 25 years, never late or missed any payment with the Company GMAC, During the melt down my house went down in price from {$410000.00} to {$100000.00}, the house received an offered of {$140000.00} but the Bank wanted {$150000.00} no deal from the part of the Bank realtor was still on and no sale came up. The Bank foreclosed with a judgement using unpredictable, questionable and unfair actions. They never gave me the option to modify my payment and never gave me the option for fair mediation or work out program. GMAC is a failed bank, I understand that they went bankrupt and are no longer in business since 2009 however they supposedly sold my property and recovered XXXX dollars from it. How is this possible? Continuation : The Bank hired a Real Estate Company and this Real Estate Company broke in to the house change locks but never took care of the property becoming a problem for the neighborhood after a year then because of the conditions. I have no choice to take the Property back and I had invested in repairs over {$11000.00} to make have way livable but still an about the estimated about {$30000.00} to be done with all the repairs. Estimates ready.
Consumer complaint received 2015-07-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (NY)

I am writing in regards to a dispute that I had opened with Chase regarding my checking account. On XX/XX/XXXX, I had requested a stop payment of {$830.00} to my landlord for rent payment because I had set up recurring payments online and could not access their online system due to technical difficulties on their end. I called into the XXXX number for Chase and was granted the stopped payment. I asked and confirmed about twice that this would be a XXXX time stop payment and stop recurring payments. Months following this process, I would log into my Leasing office account to pay rent and manually pay from my credit card or bank account to which a day later would result in the payment being stopped. Due to this fact I have accrued {$310.00} in fees for late payment. This has caused immense financial strain and burden. Also, I would like to mention another incident where there was a an admitted point in human error by a banking associate at the XXXX, CT XXXX XXXX XX/XX/XXXX branch where I awaited a deposit in XX/XX/XXXX in my account from a payee who deposited it into the branch but it was put into another customer 's account, resulting in loss of funds to pay important bills that month. I was sent a letter apologizing on half of the error that also stated that my account number and info may had been available to another customer in the whole process.
Consumer complaint received 2015-07-13
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

There are several inquiries on my credit bureau report that appear to be in duplicate. They are all listing as a request by XXXX. There are duplicate entries by bank for XXXX. XXXX of the XXXX entries by XXXX XXXX XXXX has been deleted but an extra XXXX remains. There is an erroneous inquiry on XXXX/XXXX/XXXX by the same bank. The bank reports they have opened an investigation with the credit bureau but it has been more than XXXX days ago and the items remain.
Consumer complaint received 2015-07-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

My wife and I got divorced and were forced to sell the house due to financial issues. The sale is a short sale as we owe $ XXXX and the house is only valued at $ XXXX due to the economic situation in our area. We put the house up for sale on XX/XX/XXXX and finally received an offer on XXXX. We are currently XXXX months into the short sales process and should be closing in the next XXXX days. On Friday, XX/XX/XXXX, I received a letter from the XXXX mortgage company, Bank of America, informing me that our mortgage was being sold to XXXX XXXX on XX/XX/XXXX. We have done a lot of work getting the short sale process completed, but we may have to start the process all over again with XXXX. My concern is that I may lose my buyers. They have been very patient and understanding but this may take another XXXX days and they can not wait that long. I am currently XXXX months delinquent on my XXXX and XXXX mortgage, and foreclosure is a real possibility now. 
Is there any help I can get for this issue? My XXXX mortgage is with XXXX and I have had no issues with them at this point.
Consumer complaint received 2015-07-13
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: IQOR US INC (CO)

I was stupid when I was younger I believed the college loan programs estimates of what I would be making in my area when I graduated college! These people would not lie ... would they??? I was contacted by Allied Interstate ( formally XXXX XXXX ) for my defaulted student loan. The person who contacted me knew nothing about my background and loan information so much so, that I indicated that I wanted to check this company on line. Have you checked this company on line? If not, please do, it is interesting as to what has been said. The sad thing is this company still seems to be doing the same not posting payments indicating people owed more after the payment term was up, etc. ( found info on line ) With student loans if you do not repay they trash your credit then you can not get a job that pays you enough to live so you remain in default! No wonder so many just refuse to repay .... or just can not repay! I want to repay my loan but I want to repay my loan to a company who actually knows me and my situation not just out to make a buck! Does n't really surprise me that the government chose this company ... Does it really surprise anyone that the government student loan default ratio is so high???
Consumer complaint received 2015-07-13
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I had a credit card with Capital one which is opened in XX/XX/XXXX and has no activities since XX/XX/XXXX. I believed that I have cancelled it and cut the card. Anyway I have n't received any credit card or statement until recently in which it is said that I owned a balance of {$120.00}. I immediately checked my credit report from XXXX and found that scheduled payment of {$23.00}, {$23.00}, {$35.00}, {$36.00}, {$1.00}, {$1.00}, {$1.00} since XXXX XXXX and I also found that the payment of {$5000.00} each month since XXXX XXXX to XXXX XXXX which I never paid. Actually I am out the country since XX/XX/XXXX. I believe that they did this purposely in order to make my account active and then charge me some annual fee and penalty after my ignorance of this charging.