davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-28
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AmeriFirst Financial Corporation (MI)

We had a home fire XXXX 2013. We settled with XXXX XXXX insurance ) for $ XXXX to rebuild our home. XXXX sent the insurance funds payable to us & AmeriFirst Home Mortgage - as we have a mortgage. AmeriFirst would hold the funds in escrow & pay out the funds in intervals as the home is rebuilt. At several points AmeriFirst would work with our builder to defraud us or coerce us to make payments we disagreed with. In the end, AmeriFirst helped our builder ( who quit before the house was done ) steal a great deal of money from us. AmeriFirst refused to give us the funds they were holding to repay invoices we 'd paid to rebuild the home. Then we received the final insurance disbursement, which AmeriFirst demanded they get the check ASAP - that was almost 2 months ago. Since that time they have made excuses, delayed & stalled reimbursing us for invoices we incurred. They absolutely refuse to repay us a single penny. They 've stated that they 'd release the funds once an appraisal was done to show the value of the home was over $ XXXXk XXXX our original mortgage ). They 've stalled & changed an appraisal to a BPO, FHA inspection, inspection & back to an appraisal. We ordered our own & showed that our home was $ XXXX, which is obviously more than $ XXXXk. Two weeks pass, we hire an attorney & AmeriFirst has objected to our motion to compel the release of funds since we met their requirement of $ XXXX in value. Now they 're objecting to the appraisal stating that they believe the value of the new construction XXXX sq ft home is well under $ XXXXk XXXX after spending $ XXXX ). This is simply another stall tactic to hold our funds. AmeriFirst believes the funds are theirs & that they should keep the funds in order to mitigate their loss of value on our home, which is crazy! This is the end of the story - but there 's so much more they 've done wrong - such as releasing $ XXXX to the builder after we clearly told them we no longer wanted any more funds to go thru the builder. They forced us to sign over the 2nd disbursement rather than pay bills thru AmeriFirst. Then after the builder quit & they were notified they 'd quit - AmeriFirst still worked with the builder to steal funds from us. AmeriFirst released inspection reports after the builder quit. AmeriFirst released information about how much additional money they were holding to assure the builder they could steal our funds & bills would still get paid. AmeriFirst has worked against us every step of the way & in very illegal & unethical ways - much like them continuing to hold funds for months when they clearly know from prior inspections & a current appraisal as well as FMV of new construction that their objection is frivolous & a delay tactic.
Consumer complaint received 2015-06-06
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (TX)

I signed up for a CITI/XXXX Card while on a trip to XXXX XXXX in XXXX. The reason was you would get XXXX XXXX miles if you spent $ XXXX in the first XXXX mos. I did that and more, actually charged over $ XXXX and paid it off on time. I noticed the other day I never got the XXXX miles. When I called them they said I had cancelled a CITI card last year and if I had read the fine print I would have know I was not eligible. Somewhere when I applied for the card WITH the XXXX miles I should have been informed I was not eligible. On top of that I do not remember or have any record that I ever had CITI card before. I have been a primarily an XXXX customer for over 30 years. We also have a XXXX XXXX ( our bank ) XXXX card and a XXXX XXXX we use for overseas travel. I think they told me when I cancelled it but they could not say how much and when I charged anything on it. I talked to XXXX levels of management and all I got was you should have read the terms and conditions and we are sorry. I cancelled the card immediately. My beef is that I keep a file on credit cards and I have no record that I ever had a CITI card. I do n't expect to get the miles but they should have their hands slapped at a minimum.
Consumer complaint received 2015-03-28
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

On XXXX XXXX, 2015 I CLOSED my Bank of America credit card account. On XXXX XXXX, 2015, and XXXX XXXX, 2015, Bank of America accepted and posted charges to the CLOSED ( statement attached ). I called Bank of America on XXXX XXXX, 2015 and spoke with XXXX XXXX who identified himself as a supervisor in the dispute department. I informed XXXX XXXX the account is closed and I also informed him that no company is authorized to post charges to the account. XXXX XXXX refused to accept a dispute of the charges and advised Bank of America will continue to post these charges to my CLOSED account. He further advised that it my responsibility to work with the vendor to have the charges stopped. I repeated my statement to XXXX XXXX that the account is closed and as of XXXX on XXXX XXXX, 2015, Bank of America has been informed that no company is authorized to bill the this CLOSED account. XXXX XXXX again refused to accept the dispute and again repeated that Bank of America will continue refusing to honor the closing of the account and will continue accepting these charges and posting them to my CLOSED account in spite of being advised the charges are not authorized.
Consumer complaint received 2015-03-27
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I 'm advocating on behalf of my limited communications skills domestic partner XXXX XXXX who opened up checking and savings accounts with Bank of America in XXXX. I have co-power of attorney. 
XXXX is not XXXX 's XXXX language. He is from a remote XXXX where time virtually stands still ( few own XXXX ) so one can appreciate how overwhelming XXXX banking procedures/policies would be to such a man. Additionally XXXX is exceedingly introverted will not assert himself even when abused as Bank of America did to him. Just from the monthly hard copy statements since XXXX ALONE I 've so far been able to locate he has been slammed with approximately {$3000.00} in fees!!!!! Quite likely the figure approaches {$10000.00} since the inception of his accounts. XXXX month alone saw the usurious sum of {$280.00} yanked from his shrinking net worth. He is being charged almost as fast as he can earn. Understand, that the XXXX year old XXXX is an XXXX with XXXX being his most recent occupation. 
Banks should never be as detached from their customers as Bank of America is from XXXX. He and I plead for your intervention and an analysis of his accounts from their opening in hopes that XXXX might be rightfully reimbursed for the callous indifference and disproportionate depletion of his assets.
Consumer complaint received 2015-10-06
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Quality Asset Recovery LLC (NJ)

A few months ago I created an account on the XXXX XXXX website out of curiosity. Since I 've never had a credit card, the site displayed no credit history. To my surprise, I was then informed that there is a closed collection that I never knew about, or closed for that matter. I was treated by these medical professionals years ago, when I was severely XXXX. At that point in time, I was completely XXXX. I had a similar problem some time ago with creditors, and this one must be addressed as well. I was never made aware of this debt until viewing my credit report for the very first time. I should have been made aware of this debt. If that was the case, it would have been paid already and would n't appear as a stain on my credit report. The fact that it remains on my report when I did n't even pay it to begin with is baffling. If it was n't my debt, then why is it there?
Consumer complaint received 2015-05-02
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (GA)

I recently received a copy of my credit report. The credit report showed a credit inquiry by Best Buy that they do not recall authorizing. I understand that Best Buy should n't be allowed to put an inquiry on my file unless I have authorized it. when I called credit Bureaus companies ( XXXX, XXXX & XXXX ), they refused to dispute this inquiry and they said to me to call Best Buy to remove it. when Best Buy called, they refused to remove and they asked me to call credit Bureaus companies and dispute it. I asked Best Buy what reason that Best Buy wanted to my credit file. They replied that we do n't have any information or record why we wanted to your credit file.
Consumer complaint received 2015-06-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

I have had Ocwen serving XXXX loans for my condo for several years now. When the financial crisis hit GMAC lowered my interest rate on these loans. This was done for a short period of time. Now they are raising the rate. I have made repeated calls to Ocwen asking them to provide me with the note holder so I could arrange a refinance or interest rate change. My condo is still worth a fraction of what I owe. They state to me that they can not provide me with any info for the lender. Once more thy state that I have no choice but to pay the increased payment or face credit problems. Now they are calling me on Sat. & Sun. saying that I better make the increased payment even though no bill has been received. I need to mention that I have never missed a payment through all of this. Yet I am receiving threatening phone calls from XXXX. Where is our consumer protection from these lenders and service companies.
Consumer complaint received 2015-07-29
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (CA)

I have an excellent FICO credit score of XXXX and made an initial down payment of almost half the total value of the vehicle. Regardless of my good credit and down payment the creditors at XXXX Honda of XXXX still denied me the lowest APR available.
Consumer complaint received 2015-10-09
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: 2288984 Ontario Inc. (KS)

Hello, My name is XXXX and here is what happened. While searching for an installment loan online, I was able to find this loan matching service. I applied and was pre-approved for a line of credit from Money-Key. Once I called them and agreed to the terms, I was approved and recieved the money on XXXX/XXXX/2015 according to my bank statement. As we agreed, they started the payback process on XXXX/XXXX/15. The first transaction was XXXX. The next was taken out on XXXX/XXXX/15 in the amount of XXXX. It would withdraw money every two weeks. I noticed that on XXXX/XXXX/15 the name on my statement changed from MoneyKey to MKey-virginia. And I checked my moneykey account on XXXX/XXXX/15, and they still show that I owe XXXX and were planning on withdrawing from my account on the XXXX. I have added up the total amount they withdrew since XXXX/XXXX/15 and the total amount was XXXX. That is well enough to cover the XXXX. I called and asked about my loan, and they said that I have not paid off my balance at all.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2015-05-03
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: MARINER FINANCE, LLC (PA)

I received an unsolicited check in the mail from Mariner Finance LLC in the amount of {$1200.00}. The check stated by signing and cashing I would enter into installment loan with them. At the time I was consolidating debt and needed the money and the low monthly payment of XXXX enticed me. I deposited the check and made XXXX payments before deciding to pay in full. I sent several emails through their online portal asking for final balance and never heard back. They called me XXXX time before I paid off the loan, telling me I can have an additional funding, I advised not interested but after this call from my local XXXX XXXX branch, my preference is to receive communication in writing for financial matters pertaining to this loan so I will not call them or discuss over the phone. This is based on the strong urging from the caller to visit them to receive " more money. '' After this call I had a bad feeling about this loan. They have tried calling my desk phone at work but I will not answer since personal calls are not allowed and because I prefer in writing. My total payments were {$76.00} more than I borrowed and the final payment I sent was what appeared on my credit report as total now due ( this entry somehow has now disappeared from my credit report ). After it vanished from my report I figured it was paid in full only to receive another call to my work number this past Friday XX/XX/XXXX. I checked XXXX 's web portal this morning and it shows an open loan with a " maturity '' date of XX/XX/XXXX and my next payment due as {$60.00} with a future date of XX/XX/XXXX. I have not received any billing statements nor have I signed any documents other than the unsolicited check they sent me. I suspect they are withholding the total due and future dating a payment for some interest charges to accrue interest. My loan was open less than XXXX months and by my calculations ( based on future date and total payments ) my total interest paid for a 60 day loan of {$1200.00} would be {$460.00}. I have never received any acknowledgement for the XXXX emails I sent, I do not wish to speak to this company other than in writing and they have never sent me a single statement in the mail. An online search of complaints shows similar experiences with other clients. Attached is supporting documentation showing the payments made from my XXXX XXXX checking account and the deposit of the {$1200.00} check back in XXXX into my XXXX XXXX account. I do not have any other documents since none were ever provided by this business. 
I strongly believe they are comitting predatory lending and fraud based on my above experience.
Consumer complaint received 2015-07-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (TX)

Dear Sir or Madam : In each of the next reported items, I have uploaded and provided to Experian documents which substantiate my dispute ( s ) and I have asked for " potentially negative '' items to be removed or corrected. They have not been. I have asked for incorrect addresses and names to be removed and they have not. I have asked them to remove or correct the US Bankruptcy data which is incorrect and they have not. My list goes on and on and I am tired of battling with Experian. I ca n't call and talk to them with the number they provide because it is automated and request a person to log on to their web site. I live in XXXX, TX and I drove to their extremely large call center to speak with a real person and the security guard said that I would have to take a business card on the wall next to the intercom speaker and call them- it is the same number and I can not speak with a real person. I want this resolved and I want my credit cleared up. Experian 's negative and inaccurate reporting is costing me XXXX of dollars in paying high interest on loans, sky rocketing insurance rates and a list of other items due to their inaccuracy. Furthermore, I tried to open a savings account for my oldest child at a local credit union and they have a security freeze on my account which prevented me being able to open an account. There is a fraud alert due to a fraudulent tax return having been filed in my name, but it is not a security freeze and even when I attempted to " lift the freeze '' Experian shows no freeze ; however the credit union provided me with the documents.
Consumer complaint received 2015-07-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

I HAVE ATTEMPTED TO CONTACT THE REPORTING AGENCY, CHEXSYSTEMS, VIA MAIL SEVERAL TIMES IN REGARDS TO THIS REPORTING MATTERS. I HAVE ALSO TRIED TO INFORM XXXX XXXX XXXX ON THE REASON WHY I WAS SHOULD HAVE NOT RECEIVED CERTAIN CHARGES, YET THEY CLOSED MY ACCOUNT AND REPORTED ME TO THE AGENCY. DURING THAT TIME-FRAME, I WAS NOT IN THE CORRECT MIND-FRAME TO BEING KNOWLEDGEABLE OF WHAT PROPER PROCEDURE TO TAKE TO HANDLE THIS ISSUE. I WAS A COLLEGE STUDENT AND A XXXX WHO WAS DIRECTLY FOCUS ON MY XXXX CAREER AND MAKING A BETTER LIVING FOR MY CHILD. I WAS SEEKING HELP FROM BRANCH BANKERS, CUSTOMER SERVICE REPS & THE REPORTING AGENCY YET NO ONE GAVE ME THE DIRECTION TO HANDLE THIS ISSUE. I FEEL I HAVE NOT BEEN GIVEN A FAIR OPPORTUNITY TO HANDLE MY PERSONAL BANKING ISSUE AND WAS TOSSED AROUND TO VARIOUS DEPARTMENTS WHO COULD NOT FURTHER ASSIST ME. IN ADDITION, THE REPORTING AGENCY STATES THEY ONLY HOLD THE REPORT FOR 5 YEARS AND THIS ISSUE HAS MADE ITS 5 YEAR ANNIVERSARY MARK THIS XXXX 2015. ACCORDING TO THEIR POLICY, AFTER THE 5TH YEAR IT IS THEN REMOVED FROM THEIR AGENCY.
Consumer complaint received 2015-03-30
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA (CA)

XXXX has violated Usury laws by charging 13.75 % on a private loan. They then sold my loan to AES and the rate remains the same, not lower. The loan total was taken out at {$10000.00} and now has reached {$12000.00}. I have paid {$12000.00} in interest and yet my loan is now at {$12000.00}. I want this loan discharged, as the interest rates violate the California XXXX rate of no more than 10 %. This loan is virtually impossible to pay with the high interest rates. On top of that, the XXXX XXXX XXXX California - XXXX XXXX put me through unethical sales tactics through their financial aid department to take out this loan.
Consumer complaint received 2015-10-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My name is XXXX XXXX XXXX, my son 's name is XXXX XXXX XXXX XXXX Transunion has repeatedly filed information belonging to my son on my credit report. Collection agencies are also doing the same. Collection Agency : XXXX Address : XXXX, IL XXXX. ( XXXX ) XXXXXXXXplaced XXXX ( XXXX ) delinquencies and collection entries for my son on my credit file since XXXX 2015. This is a problem that keeps occurring and Transunion as well as the collection agencies are not exercising due diligence in verifying that I am the correct entity they are seeking. Transunion also has me listed as " XXXX XXXX '' an alias I have never used. I 'm being harassed and because of my good credit, I 'm repeatedly targeted. Please help me to stop this, it 's a real hardship on me. 

Thankyou
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I am writing to dispute inaccurate information that appears on my credit report under the account name " XXXX XXXX XXXX XXXX  '' ( Account Number : XXXX .... ). The status of this account is listed as " charged off '' with a recent balance of {$1200.00} as of XX/XX/2024, and it is reported that {$1200.00} was written off and is past due. However, this information is incorrect and should be removed from my credit report. First, the reporting of this account is incomplete and inconsistent. Under the Fair Credit Reporting Act ( FCRA ), creditors are required to report accurate and complete information. The balance history reported does not accurately reflect the actual payment history, resulting in a misrepresentation of my financial standing. Second, I have previously requested validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), and the response provided did not meet the necessary standards to validate the alleged debt. Without proper validation, the account should not be reported as a charge-off.

Finally, the account was updated following a dispute in XX/XX/2024, but the original inaccuracies were not corrected. According to the FCRA, if previously disputed information is reinserted into a credit report, the credit bureau must notify the consumer. I did not receive such notification, and the account continues to be reported inaccurately. I am formally requesting that this inaccurate and unverifiable information be removed from my credit report. Please conduct a reasonable investigation as required by law and provide me with an updated credit report reflecting these changes. Thank you for your prompt attention to this matter.
Consumer complaint received 2016-02-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Protection Association, L.P. (FL)

This is written by XXXX XXXX XXXX ; collection involves an account under my wife 's name XXXX XXXX XXXX XXXX XXXX. 

In XXXX of XXXX, we cancelled our TV cable service with XXXX and kept only XXXX internet service. A XXXX serviceman picked up TV equipment ( TV control unit and remote, as I recall ) and left the modem only. 

In early XXXX, we switched our internet service to XXXX XXXX XXXX. When my wife ( per directions from XXXX ) delivered the modem to our local XXXX office, we were told we still had a piece of TV equipment we did not have, and would be charged for it. I called XXXX customer service and explained the above scenario, and advised we did not take or have their lost equipment and would not pay for what seemed to have been lost by someone else. I believed that the matter was closed, and then the cards and calls from Consumer Protection Association began to come. They came to me, because my phone was listed as the contact. 

I called both CPA and XXXX on three occasions. After each contact, I believed that XXXX understood our position and the matter was closed. The last contact was on XXXX/XXXX/XXXX to XXXX companies. I confirmed that CPA would be contacting XXXX, and I confirmed XXXX would be confirming to CPA that the matter was resolved. 

I then received notice in XXXX ( XXXX copy included ) that CPA had 'turned my account over to the credit bureaus '. I was shocked, as this was clearly a disputed matter, and I had recieved no indication from CPA that 'the credit bureaus ' ( no specs as to how this was reported, or to who ) had been advised that this was a contested matter. 

I now realize that I should have disputed this matter in writing withing 30 days of first notice, etc. I am sure XXXX and CPA have records regarding my phone calls, and XXXX should have record of the resolution ( s ) I was led to believe were forthcoming, so the formality of writing on such a clearly baseless case did not occur to me. 

My wife XXXX and I XXXX have a very long history of excellent credit. It is ludicrous to suggest that we would jeopardize that by failing to return a part that should have been picked up at the time our TV service ended.