davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

The minimum payment amount for my credit card changed without notification which meant that my scheduled payment did not suffice the minimum. I was then charged a late fee for payment and my minimum payment increased again, I assume because of this " late payment '', all without notification. The late fee pushed my balance over my credit limit and the insufficient payment meant my credit score was affected by the " delinquency ''. During this time, before was aware of this situation, I applied for a personal loan to consolidate this credit card debt to get a better interest rate and stable monthly payment, which would make it easier for me to pay off the debt quickly, and was denied because of this " delinquent payment '' which I don't have any other history of, to my knowledge. Bank of America does not offer a function which allows for you to just always pay the minimum, whatever that may be each month, therefore making their automatic bill payment function basically useless. Also, the late fee I was charged without being notified, which would have allowed me to rectify the payment amount, was more than my minimum payment had been. If they had simply notified me of the increased minimum payment amount I could have covered it and avoided all of this.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am requesting a security freeze on my credit report due to concerns about identity theft. Recently, I became aware that my personal information may have been compromised, and I want to prevent unauthorized parties from accessing or using my credit information.
Consumer complaint received 2018-02-16
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BB&T CORPORATION (TN)

I received a letter dated XX/XX/XXXX from BB & T about my account # XXXX stating that they were changing my fixed rate. This account came from XXXX XXXX XXXX XXXX XXXXXXXX years ago it had a fixed rate of 6.5 % and was guaranteed never to go below that. XXXX XXXX XXXX XXXX XXXXXXXX failed and was acquired by XXXX XXXX in XX/XX/XXXX. They tried to lower the interest rate on these accounts but the FDIC ruled that they could not. Later XXXX XXXX was acquired by BB & T who has paid the 6.5 % interest since they acquired XXXX XXXXXXXX which was many years ago. Now after paying this rate from the time they acquired XXXX XXXXXXXX they want to change it but that was not the guarantee that XXXX XXXXXXXX XXXX XXXX made. Since the FDIC ruled that XXXX XXXXXXXX must pay the 6.5 % a.p.r. why are we having to go through this problem again. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX Phone XXXX E-mail XXXX Thanks for you looking into this for me.
Consumer complaint received 2018-02-16
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (CA)

Ocwen Loan Servicing and its young attorney XXXX XXXX continue to use forgery and fraud, void assignment violations of the notary laws, false documents, false principal balance, false payment history, manufactured forced place insurance policies, slander of title and trustee sale threats to force me into hundreds of thousands in increased none negotiable loan modifications to embezzle my property so Ocwen can temporally increase its revenue. Ocwen employees act like a bunch of incompetent children playing school games. I provided transcript evidence to Ocwen and its attorney proving the pretender lender loan servicer don't know the phony loan principal balance. My FBI forensic expert was denied access to the so-called original note in Ocwen Loan Servicing 's possession. The pretender lender loan servicer will not allow my expert access to the so-called note. Ocwen and its attorney XXXX XXXX are attempting to block my rights from having a fair jury trial so they can temporarily get away with embezzlement. Declaration of XXXX XXXX was filed in federal court this month ratifying the bureau decision to file a lawsuit against Ocwen Loan Servicing, then  quickly after Ocwen lawyer files motion for protective orders. How many more times will our leaders allow this XXXX XXXX candy factory pretender lender loan servicers fraudulent operation from continuing its white collar crimes in this country? I sent all my evidence to XXXX XXXX, XXXX XXXX, President Trump and Vice President Pence demanding our leaders to end Ocwen Loan Servicing and shady lawyers crimes in this country. Enough is Enough!
Consumer complaint received 2018-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NY)

Hello, I am calling because my Credit report shows derogatory remarks and inquiries that should be taken off immediately. I have reached out to the credit bureaus multiple times and they have yet to take it off. 

My report is showing inquiries from 2015 that should have been taken off. Also, My fed student loan accounts show missed payments, when I am enrolled in an income-based student loan payment program and my payments are {$0.00}. I had reached out to XXXX to change or remove this information and yet it still remains. 

I need these old accounts taken off, especially the ones from XXXX XXXX, that have been closed and resolved. Thank You!
Consumer complaint received 2018-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

Hello, I am calling because my Credit report shows derogatory remarks and inquiries that should be taken off immediately. I have reached out to the credit bureaus multiple times and they have yet to take it off.

My report is showing inquiries from 2015 that should have been taken off. Also, My fed student loan accounts show missed payments, when I am enrolled in an income-based student loan payment program and my payments are {$0.00}. I had reached out to myfedloans to change or remove this information and yet it still remains.

I need these old accounts taken off, especially the ones from XXXX XXXX, that have been closed and resolved. Thank You!
Consumer complaint received 2018-02-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN INTERNET MORTGAGE (CA)

On XX/XX/XXXX, Aimloan ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX ), a XXXX XXXX based mortgage lender, charged {$450.00} to my credit card to initiate the refinance of my house located in North Carolina. the {$450.00} was an appraisal fee. For months I provided every item of documentation that was requested of me, then on XX/XX/XXXX, 3 months into the loan process, I was told by XXXX XXXX, an Aimloan representative, that I would be required to provide replacement cost insurance coverage for the property, in order for the refinance to fund. 
When the refi process was initiated, I did not have replacement cost coverage. Neither XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, or XXXX XXXX have ever required such coverage on either of the older houses I own, which were built XXXX XXXX. I spent hours on the telephone and took time off from work to try to make this refi happen. My insurance agent contacted representatives from several companies, and I completed several applications, only to find that replacement cost insurance on a dwelling built at the turn of the century is so expensive that lenders do not require it. 
In my case, acquiring such insurance would negate the purpose of the refi, which was twofold. It was indicated to XXXX XXXX of Aimloan at the onset of the refi process, that one purpose of the loan was to save money, and the other was to pay off the mortgage for a second house. 
At the onset, of the refi process, I submitted documentation of my current homeowner 's policy. It was at Aimloan 's request that the payee ( policy owner ) on my North Carolina homeowner 's insurance be changed. The updated certificate of insurance was emailed to XXXX XXXX of Aimloan on XX/XX/XXXX. The bottom line is, Aimloan had my policy in their hands at the onset, but nothing was said about the necessity for me to provide replacement cost insurance until much later in the process. An unreasonable request that no other lender has ever required of me. Aimloan neglected to advise me of this requirement up front, which would have been optimal, but they also had the opportunity to advise me before XX/XX/XXXX, before the appraisal ( my appraisal copy was generated XX/XX/XXXX ). 

It was Aimloans duty to disclose their requirement/policy concerning homeowners insurance at the onset of the refinance process. They failed to do so until after they spent the appraisal fee of {$450.00}, which I paid up front. I continue to await a refund. 

If it will be of help, the loan number from one of the many Rate Lock documents generated by Aimloan concerning this matter is : XXXX [ The attached screenshot shows that Aimloan was in possession of my homeowner 's NC homeowner 's policy before XX/XX/XXXX. Item 4 is a request that my husband 's name be added to the policy ].
Consumer complaint received 2018-01-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc (OK)

On XX/XX/XXXX of 2017, I contact the collection company to get the information regarding this debt and address to send in a validation letter. They stated that I can fax it in and they provided me a fax number of XXXX. I faxed in a validation letter and a cease and desist letter. They contiuned to contact me and leave messages 2 to 3 times a day. I contact back in on XX/XX/XXXX, asked the collection if she sees any notes regarding the cease and desist and the validation letter. She stated no and that we need to just take care of this debt. She proceed to tell me about the debt and I tried to tell her that I belive the debt is not mine. She stated that was interesting because it went through my insurance and that I had made payments before to the original company-My response was, I have lived in Oklahoma during the time of when the debt occurred and the hospital that is billing me is in XXXX  XXXX. And if she would like-I can send her my mortgage of the home I purchased in Oklahoma.!!! She didn't say anything after that and proceed to tell me to send in the validation letter again. I did, with the cease and desist paperwork. I have the fax confirmation letters for both times and they still keep calling me!!
Consumer complaint received 2018-02-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (AZ)

I filed chapter XXXX in XX/XX/XXXX and XXXX XXXX XXXXXXXX ( XXXX ) credit card and line of credit home equity serviced by XXXX was discharged. However the lien was placed on the house. Later XXXX sold the lien to XXXX XXXX ( the current lien holder ). 

The XXXX XXXX XXXX XXXX ( MCM ) sent out collection notice on the behalf of XXXX XXXX XXXX during XX/XX/XXXX. On XX/XX/XXXX, I contacted MCM and spoke with XXXX XXXX at XXXX ext XXXX. XXXX XXXX told me the settlement of {$5800.00} if I pay now will result in removal of lien. On XX/XX/XXXX I paid the agreed amount with understanding that the lien will be removed. 

On XX/XX/XXXX I contacted MCM the status of lien removal from the property and the consumer support at ext XXXX told me of my payment was for the discharged credit card in bankruptcy and has nothing to do with the property lien. MCM representative lied to collect on already discharged debt in XX/XX/XXXX.
Consumer complaint received 2018-01-12
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

X/XX/2018 cabelas XXXX credit card changed the policy that we agreed to pay without a op out option, we never received a notification in the mail, they changed the way they calculate the minimum payment and our payment increased {$100.00} above what we agreed to normally pay in our policy agreement, I talked to the company and they said too bad.
Consumer complaint received 2018-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Hi! 

My credit it tied to a person I have never met. Our names and socials are similar, but we live in two different stated : I live in NC and have never lived in Texas, and she liv es in Texas. 

I have reached out to Equifax to let them know of the error and sent my birth certificate, social, XXXX, and proof of address in. They changed the name, birthdate and address on the account to my information. The debt still belonged to the other person ( XXXX XXXX ). She reached out to Equifax, and they changed it back to her name and address, but not birthday and social. 

The account is now locked, and I have no access to credit. I was denied a refinance on my home because my debt to credit ratio was too high, but the information on my credit report belongs to XXXX XXXX, not to me. I paid {$500.00} to have the house appraised and got denied by my own bank. I ca n't go buy a car because my credit report is locked, but it is n't my credit report. 

Every time I call, I am told that everything is fixed, or I am transferred, and the call is disconnected. I have spent hours trying to resolve this issue and have yet to talk with someone that can help. I receive mail, almost weekly from Equifax saying that one thing has been changed, but usually its changing her birthday to mine or mine to hers or changing addresses from NC to Texas. 

The number at the top of my record is XXXX The confirmation # is XXXX This has been going on since XXXX with no resolution.
Consumer complaint received 2018-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have sent letter after letter to this company starting in XXXX 2016 when I first noticed this inaccurate information on my credit report. I have never had any accounts being serviced by XXXX XXXX or any of the others listed. I even contacted XXXX XXXX and they responded saying they have never serviced my accounts and in fact the only accounts they can see that I have is with XXXX XXXX ( only 2 ) and both of those are in good standing and always have been. You will see from the attached correspondence that all these accounts except for 2 must be deleted immediately as they are not mine. 

Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted within 10 days. 

XXXX/XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX/XXXX XXXX Account : XXXX XXXX XXXX/XXXX XXXX Account : XXXX XXXX XXXX/XXXX XXXX Account : XXXX XXXX XXXX/XXXX XXXX Account : XXXX The ONLY legitimate accounts and Validated accounts I have are the following : XXXX XXXX XXXX XXXX/XXXX. Account : XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX/XXXX. Account : XXXX Balance : {$42000.00}
Consumer complaint received 2018-01-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (SC)

I received several phone calls from Midwest Recovery over the last couple of months. Each time I stated I had no knowledge of alleged debt. Each Time I requested something in writing so that I could investigate. Each time they refused. When I stated that the FDCPA requires them to do within 5 days of initial contact they stated they do not have to. The last time they contacted me on XX/XX/XXXX they left a voicemail and I returned the call and the gentleman said they were going to report it to the credit bureau despite the numerous attempts that I asked for written documentation. THey said they do not have to provide that. Today I checked my report and they reported it to all 3 bureaus causing my score to drop significantly.
Consumer complaint received 2018-03-30
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Navient Solutions, LLC. (CA)

I've spoken with Navient multiple times about rectifying my account. The interest rate on all of my loans are are 6.8 or higher ; thus, my payments and amount owed rises by the day. In past times, Navient was not forthright about information concerning deferment and forbearance and what it would do to my account. I initially took out XXXX and now I owe XXXX and I just graduated in 2013. How did I jump XXXX over five years? Additionally, I am paying {$500.00} a month and it's not putting a dent in the overall amount at all. Navient has greedy/sneaky tenancies and that behavior is unacceptable. When I try to communicate with them about my concerns, they give me a vague answer, and never really assess my account or address the issues I have. I know something isn't right with my account and I feel stuck.
Consumer complaint received 2018-01-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Resurgent Capital Services L.P. (SC)

After requesting validation { not verification } of the item reported and not receiving a response, I contacted XXXX XXXX XXXX XXXX in XXXX XXXX to start the process of credit repair for several erroneous items reporting negatively and incorrectly. One of the collectors is Resurgent Capital Services, and they are attempting to collect a balance owed due to fraud. They sent a letter in the mail DENYING me an investigation stating, they found my dispute to be " frivolous and irrelevant '' because I am using a credit repair service. This is against the FCRA and violates my rights of requesting debt validation and dispute investigation. This company has no license to collect any debts in the state of South Carolina and this debt is false. I have never had a XXXX XXXX account. 
I have attached the letter sent from Resurgent Capital Services to this complaint.
Consumer complaint received 2018-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I contacted TransUnion in reference to a large number of inquiries on my credit report that I did not authorize. I spoke with a representative at TransUnion about this issue and I requested that they remove these inquiries, but their customer service rep would not help take care of the negative inquiries reporting to my credit. The following inquires were NOT authorized by me : 1. XXXX XXXX, XX/XX/XXXX 2. XXXX XXXX, XX/XX/XXXX 3. XXXX, XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX, XX/XX/XXXX 6. XXXX XXXX, XX/XX/XXXX 7. XXXX, XX/XX/XXXX 8. XXXX, XX/XX/XXXX 9. XXXX, XX/XX/XXXX 10. XXXX, XX/XX/XXXX 11. XXXX, XX/XX/XXXX 12. XXXX XXXX, XX/XX/XXXX
Consumer complaint received 2018-03-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

On XX/XX/XXXX my wife ( XXXX XXXX ) and I purchased a couch for {$3000.00} from XXXX XXXX using their same as cash off and we opened a CapitalOne card ending in XXXX. The payment terms were {$51.00} per month for 59 months and the remaining balance to be paid in month 60. For theXX/XX/XXXX bill due on XX/XX/XXXX the payment was processed onXX/XX/XXXX For theXX/XX/XXXX bill due XX/XX/XXXX, 2 payments of {$51.00} we made and processed by CapitalOne. An automatic payment was scheduled where CapitalOne was to receive payment by the XXXX of every month. 

My financial documentation shows all payments for fiscal year XXXX were paid by the XXXX of each month. Please find the attached proof of payment documentation provided by my financial institution XXXX. CapitalOne in a written letter to my wife and account holder, states the account ending in XXXX has been delinquent since XX/XX/XXXX I am not sure how CapitalOne defines delinquency, however, as stated earlier, the attached proof of payments disputes any delinquency. A final payment {$1400.00} was made on XX/XX/XXXXto pay off the original balance of {$3000.00}, 3 years 8 months after purchasing the coach and more than 1 year early from the original terms of the financing agreement. Since then Capital One has harassed my wife saying, we owe additional money due to late fees and interest fees. The attached documentation proves all payments were made on-time and no late fees or interest charges should have ever been assess to her account.
Consumer complaint received 2018-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Accelerated Financial Solutions, LLC (TX)

On XX/XX/2018, I received an alert that a new collection was reported on my credit reports. I reviewed my reports and seen a entry from Accelerated Financial SO ( 12 XXXX Retail ) with a balance of {$2500.00} and a high balance of {$290000.00}. I have disputed XXXX 's 2 years ago about this account. I requested documents and it was proven that this account was not mine. The application clearly proved that there is an individual with the same name that lives in a neighboring city.