davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (FL)

Prior to making my payment on XX/XX/XXXX I contacted Ally Bank. I was transferring the loan to my credit union for a lower interest rate and the due date was coming on XX/XX/XXXX, when they didnt receive the payoff they advised me to go ahead and make a monthly payment to avoid a late fee. I made my payment on XX/XX/XXXX and my credit union paid off my auto loan ending in XXXX on XX/XX/XXXX. 
Ally bank owes me {$1000.00} refund. My first call to Ally was on XX/XX/XXXX I was advised that my check was mailed that day, but due to a storm in Louisiana, my check could be delayed in the mail by up to 2 weeks. 
I called back on XX/XX/XXXX when I didnt receive my refund and was advised that the refund was still pending because it was over {$1000.00}, it needed some type of approval. The advisor I spoke to was going to escalate and have someone give me a call back. That never happened so I called back again on XX/XX/XXXX and spoke to a advisor and then was transferred to XXXX on the customer solution team. XXXX also saw the refund pending and supposedly sent an email and promised me a call back on XXXX. No one ever called me. 
So on XX/XX/XXXX I called and spoke to XXXX and XXXX XXXX id number XXXX  ). I was advised it could take 30-45 days for a refund. I was promised a call back with a XXXX  XXXX tracking number for my refund check. 
Now today XX/XX/XXXX I called and talked to XXXX ( id XXXX ) and XXXX XXXX id XXXX ). Now XXXX tells me they have a man-power issue and refunds can take 55 days. I requested his XXXX and was placed on hold for an hour and never talked to anyone. I was transferred to an automated survey which I completed and advised that I was very dissatisfied. 
I have spent countless hours on the phone with numerous agents trying to get a refund that I owed. Since they record their calls, I would love for someone to go back and review all of the interactions on my account. You better believe if this was reversed ; I owed Ally money, they would be charging me fees and interest until they got their money!! But they could care less if their customer needs the money Ally owes. 
I guess next time I call they will tell me the refund processing time is 75 days??
Consumer complaint received 2016-08-17
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have proof that I have paid my bill on time every month and that it is the agreed apon amount I have a signed contract that bank of America has not processed since XXXX 2016 and I have a trail letter signed by bank of America telling how much to pay from XXXX thru XXXX XXXX every time I call they just tell me that the paperwork is still in process. it was supposed to be done within XXXX, its clearly more then XXXX. this is n't my computer I have all the paperwork but have no way to upload on the library computer
Consumer complaint received 2024-10-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

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 2016-08-17
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (ID)

In XXXX XXXX we started modification on our home mortgage with Ocwen Financial. They drug their feet so long we finally had to file for a chapter XXXX BK in XXXX XXXX. It was discharged in XXXX XXXX. The following year, XXXX XXXX, they decided they would modify our home loan. From XXXX to current we have rebuilt our credit and have been current on the loan to this date. 

We are in the process of refinancing the loan to gain a lower interest rate. When we pulled our title we saw the XXXX was never released as a current lien. We have been waiting to close since XXXX XXXX, XXXX but ca n't until Ocwen gives us a release of lien. 

As per the statue of limitations ( 5 years of none collection ) it has been since XXXX XXXX, XXXX was the last recorded payment which is 8 years. Plus the XXXX was included in our chapter XXXX bankruptcy. 

Our attorney sent them a demand letter XXXX XXXX, XXXX stating the Idaho code section 6-411, 5-214A and 6-413 to remove the deed of trust ( XXXX ) and gave them 10 days to deliver. They sent us a letter saying they needed until XXXX XXXX to accomplish this. XXXX XXXX we got another letter extending to XXXX XXXX, XXXX. XXXX XXXX came and went and no release of lien and not letter explaining why. 

I have called them numerous times and only get a voice mail. We are against the wall as they are not adhering to Idaho Code and Bankruptcy laws. 

Please help us obtain our objective. 

Thank you XXXX XXXX XXXX
Consumer complaint received 2016-08-18
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

XXXX Credit Bureau - Bank of America - Paperless client - Paid off the account in full, waited two weeks and looked again and still paid in full. Bank of America failed to notify me that I owed any pending accrued interest. They waited until my account was past due before they sent a letter. I paid off in full as soon as they told me. All accounts that have principal paid in full should notify the client with letter of any accrued interest coming due instead of waiting until delinquent to issue a letter of past due account. Why should anyone accept a paperless billing ( saving paper etc ) when the bank uses it against the applicant at closing of the account.
Consumer complaint received 2016-08-18
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP (FL)

XXXX XXXX, XXXX, I received an Annual Escrow Account Disclosure Statement from Selene Finance reflecting a surplus of {$18000.00}. I called Selene and spoke to a XXXX on XXXX XXXX, XXXXto verify this statement. I was told by an agent named XXXX that this was a coerrect statement and that I had overpaid my escrow account. I asked him about what happens to the money and was advised that it can be applied to my XXXX XXXX, XXXX XXXX payment of {$750.00} with the remaining balance of {$370.00} to be applied to the XXXX XXXX payment. I was to fax a letter stating that and did so XXXX XXXX, XXXX. In XXXX XXXX, I made a payment of {$360.00} and as of XXXX I continued the payments of {$740.00} by calling Selene directly with phone payments. Unknown to me, as od XXXX XXXX, my payments were reduced to {$720.00} but I was never informed on my numerous phone calls to them while trying to resolve other issues with my account. I was also informed that my account was 3 months behind when I made all of my payments, but was advised that it was due to a problem with the records they received from XXXX when they took over my mortgage XXXX. Finally in XXXX XXXX, the person that was assigned my account did research it out to find that I was miss-informed regarding the Escrow Statement and that I DID NOT have the credit of {$1800.00}. My current balance owed to them was in fact {$3300.00} and needed to be paid as soon as possible. I did issue a check in XXXX XXXX to bring the account current. By XXXX, Selene never adjusted my credit report to show that I DID NOT have an outstanding balance of XXXX and they show that I was late on my payments from XXXX XXXX. After filing disputes their rep adjusted the past-due balance to {$0.00}, however it still shows the past-due payments. My credit is reflecting POOR when a merchant pulled it. I do not feel that my credit reporting should show " late payments '' due to the fact htat THEY made the error of sending out the statement and that XXXX advised me that the statement was correct EVEN WHEN HE DOUBLE CHECKED IT WITH HIS SUPERVISOR! Also, keep in mind that each month last year I was actually over-paying {$21.00} a month due to the adjustment made by them lowering my payments. I feel that Selene should own up to the fact that they made a BIG mistake and should really reflect that I DID make every monthly paymeny AS AGRREED!
Consumer complaint received 2020-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Total Card, Inc. (NC)

I have disputed an account on my credit report however the creditor and credit bureau continues to update the account as a charged off account ... .Account is a paid account and I have payment confirmations proving account was paid in full via ach payments each month to settle the account.

A total of 7 payments were made in the amount of {$63.00} as agreed upon with Total card inc The original creditor needs to correct the account or delete the negative remarks on my Account. 
Account in question is XXXX/XXXX account # XXXX Account # XXXX
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2022-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: WELLS FARGO & COMPANY (TX)

Applied for Wells Fargo Visa Signature Card on XXXX XX/XX/2022. Approved. But since then the card is not being sent at all. Called today. The customer service lady who picked up the phone call was laughing for no reasons. Asked to be connected to Escalation team and then talked to XXXX XXXX. She said that card was sent out yesterday only. Why in the world it's almost 18 days and the card is not being sent even after approved application?
Consumer complaint received 2024-10-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (PA)

I am filing a complaint for engaging in unfair and abusive practices, violating the Fair Debt Collection Practices Act ( FDCPA ). 

First, the account they furnished on my credit report is one I did not agree to or authorize. There was no legally binding contract between us, which makes the account invalid.

Second, they failed to follow the 5-step debt validation process required by the FDCPA. I was not given proper documentation or verification of this debt, which further violates my rights. 

Under the FDCPA, I am entitled to {$1000.00} per violation. Due to these violations and the harm caused, I request a pay-for-deletion arrangement. I am willing to settle this matter if the account is completely removed from my credit reports ( XXXX, XXXX, and XXXX ). 

Please address this promptly, or I will take further action to enforce my rights.
Consumer complaint received 2022-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NM)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX and XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 


XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX {$5600.00} XX/XX/XXXX XXXX  XXXX  XXXX {$5500.00} XX/XX/XXXX XXXX XXXX bank {$380.00}
Consumer complaint received 2021-09-23
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: M&T BANK CORPORATION (CA)

Companie 's response : " The XXXX XXXX Police Department ( XXXX ) was called to your residence because we received numerous emails from you that mostly contained verbal threats and curses. Because of this we contacted the XXXX to perform a welfare check. We take full responsibility for this mistake and apologize for any inconvenience this has caused you. '' 1 - They do not say how are you taking responsibility, or if the people who made this decision are being held responsible. 

How are the XXXX  taxpayer dollars being reimbursed? How are we being made whole? 

2 - I dont live in XXXX XXXX XXXX You can not even get basic info correct. 

3 - what THREAT did I make? EVER? SHOW ME. 

You XXXX LIAR. When you cost someone XXXX in refi interest savings from incompetence or maliciousness, you WILL PROBABLY GET CUSSED AT. 

4 - I told you 50 TIMES I was OUT OF THE COUNTRY. WHY would there be a " wellness check ''? I am doing WELL. 

YOU called the POLICE to HARASS my TENANT OVER DEBT that you REFUSED TO allow me to pay by not correcting the balance AND INCORRECTLY PLACING MISSED PAYMENTS DURING FORBEARANCE ON MY CREDIT REPORTS. 

That cost me the chance to save {$1000.00} in MONTHLY MORTGAGE PAYMENTS starting in XXXX. 

Multiply that over the remaining 25 years. 

YOU used the XXXXPD as your personal XXXX to harass my tenant while I TOLD YOU I WAS OUT OF THE COUNTRY. 

How could you find a " threat '' in those emails ( SHOW ME ANY THREAT ), AND NOT ALSO SEE THE INFO THAT I WAS NOT IN THE COUNTRY AT THE SAME TIME.
Consumer complaint received 2016-08-17
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Although Capital One states that they sent statements to me in XXXX 2016 and XXXX 2016. I never received these statements. I have been issued a 30 and 60 day late payment notification against my credit report which has negatively impacted my credit score ( I was notified by my lender while trying to refinance my home ). The late payments are for a minimum payment ( in XXXX ) and then a minimum payment with a late fee and interest. Essentially a {$67.00} past due in XXXX and {$120.00} ( XXXX past due plus late payment plus interest ) charge in XXXX. Over the course of 10 years with this card, I have always pay this card in full. The issue with the Capital One program is, if a user has a {$0.00} ( XXXX ) balance, a statement is NEVER sent out by Capital One. Essentially, a monthly statement is NOT sent out to me each month. I use this card on rare occasions so a monthly statement is n't something that I expect to see. When I received a statement in XXXX of 2016, like other months and statements, I paid the balance in full. I have spoken to Capital One to try and resolve this miscommunication, however, they have told me to, " Take it up with the credit bureaus because they sent statements and we do n't believe in reversing or removing anything that we have already submitted. And although we completely understand how this has hurt your credit, we do n't have any type of grace program that allows us to remove any late payment notifications. You can write a letter our Credit Bureau department if you still disagree with us. '' Yesterday, I noticed one of the bureaus removed the negative merit from my record. After talking to the XXXX of the credit bureaus, they advised me to contact Capital One to try understand why the negative merit was removed from one of the bureaus records, but remained on the other XXXX. Again, I was told by Capital One, " We have nothing to do with that. If you have an issue, please write a letter to our Credit Bureau department. '' I have now been trying to resolve this issue for over 3 weeks and have spent more hours than I can keep track of. Capital One 's unwillingness to work with their customers to resolve a simple miscommunication shows me that their policies and procedures are skewed to ensure they protect themselves and hurt their customers. In all my years of owning my own company and working with creditors and lenders, I have never felt so disrespected or bullied.
Consumer complaint received 2016-08-18
Product: Credit card — 
Issue: Delinquent account — 
Company: Continental Finance Company, LLC (FL)

The credit card company has been taking funds out of my checking account since XXXX and not one payment has been applied to my account. I 've contacted my bank, and was advised that the credit card company has been getting the funds. This is a huge concern for me as it is {$110.00} that has been taking out, and not a penny has been applied to my credit card account.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

To Whom It May Concern, This is your final notice. I am demanding an immediate and thorough explanation of every step your agency has taken to ensure the items on my credit report are 100 % accurate, as mandated by 15 U.S.C. 1681i ( 7 ). Under this law, you are legally required to provide me, within 15 days, a full description of your reinvestigation procedure, including the names, addresses, and telephone numbers of every furnisher of information you contacted to verify these disputed items.

I have previously notified your agency that I am a victim of a Data Breach/Identity Theft. I have also filed an FTC Report, confirming my status as a victim. Despite my explicit demand that you block and remove all fraudulent information from my credit report under 15 U.S.C. 1681c-2 ( c ) ( a ), you have negligently failed to comply. This is a gross violation of federal law and my consumer rights.

The following item remains wrongfully listed on my credit report, and I demand it be removed immediately : XXXX XXXX XXXX  Account Number : XXXX The XXXX data breach compromised my personal information, and now Im seeing unauthorized and unverifiable items on my credit report. These claims are illegitimate, and under the FCRA, you are prohibited from reporting them as accurate without concrete evidence. I demand proof that your agency has adhered to compliance standards for this account. The FTC is investigating this issue, and any unverified claims must be removed from my report immediately.
Consumer complaint received 2016-08-18
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CAVALRY INVESTMENTS, LLC (FL)

I contacted XXXX who is collecting on behalf of Calvary SPV LLC. I spoke to a XXXX XXXX. Upon I asking for proof of debt, proof that they are licensed and bonded in my state she began to get annoyed and very nasty to the point that when I asked to allow to state that I was requesting certain documents for the record she stated that she does't have listen to me and hung up. AT no point was she able to tell me the date of first delinquency, license number, she basically only wanted to collect money. She never informed me that I can dispute this information. I then was upset and called back and spoke to customer service supervisor XXXX XXXX. I explained the situation and that I wanted her to correct XXXX XXXX conduct and how she violated my right under the FCRA. I also informed her that I was going to file a compliant with the FTC and CFBP.