davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (NJ)

On XX/XX/XXXX I received a settlement letter for a debt of XXXX from XXXX on behalf of XXXX XXXX the letter said I could settle my debt by paying them XXXX. By paying this amount XXXX would close the account and contact the 3 credit Bureaus and remove the negative collections from my record informing them this had been settle. After that I notice the negative collection was removed. So I was happy about this.. 

XX/XX/XXXX rolls around and I see the same account with now an amount of XXXX posted to my credit report as an open account with XXXX XXXX in collections. 

I reach out to the XXXX number on my letter and the woman on the Phone says that they are no longer XXXX they are now call resurgent capital out of XXXX SC. I went ahead and told her that I notice a closed account that I had remove from my credit report was now showing back on the credit report. I informed her of my settlement with XXXX and provided her with a confirmation. She went on to say that they bought these debts account from XXXX and that although my account was settle with XXXX on behalf of XXXX XXXX that in their record my account was still showing open so they reported back to the credit bureau and that they could not help me in removing this negative collection from my records. I ask how could they buy closed accounts that were settle at one company and try to recollect additional money from the consumer. She had no answer and informed me that her company does not remove settle collections from the credit bureau even if they are settle. Why would I be told that this was to be removed by XXXX then remove from my credit report to be sold to another company and reprocess again as bad debt. How are these companies allowed to do this. And how is the credit bureau protecting the consumer from such fraudulent processes. This is fraud in so many levels. I believe this should be investigated
Consumer complaint received 2018-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX sent me a XXXX XXXX   debt discharged in the amount of {$2000.00} in XX/XX/2015. However they have reported this account to XXXX, Transunion, and XXXX as Opened account more than 180 days late the amount being {$3300.00}. I have written all three credit agencies and I have sent them copies of the IRS form but they will not report this accurately. I now have a Compliance Condition Code placed on the credit reports and have been told in writing that this code will not be taken off until I agree that the information is being reported accurately. I have had hundreds of credit accounts in my 48 years of life and I have not ever been threatened to say something that is fraudulent and inaccurate.
Consumer complaint received 2018-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

This is a problem with the Bank of America Travel Rewards VISA billing statement. Bank of America has intentionally used confusing  wording on their billing statement to mislead the unsuspecting or elderly customer to pay only the minimum amount every month, thereby causing them to pay interest on the outstanding amount during the following billing cycle. Here is a copy of their billing statement format : New Balance Total {$1800.00} Current Payment Due {$25.00} Total Minimum Payment Due {$25.00} Payment Due Date XX/XX/2018 They list the " minimum payment due '' twice under different headings. This is very misleading and unnecessary unless they are trying to trick someone. The amount to be paid on this example in order to avoid interest is {$1800.00}. Other credit cards only use three categories : " New Balance '', " Minimum Payment Due '', and " Payment Due Date ''. It is very clear and straightforward. I addressed this issue with B of A and their representative was very quick to give a rigorous and lengthy defense of their format which tells me that they are aware of what they are doing and have intent to defraud. I believe a CFPB complaint is at least warranted and a class action suit is probably needed.
Consumer complaint received 2018-11-01
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

This company has called my father-in-law and us repeatedly stating that we owe a debt from an overdrawn Bank of America account ( which we never had ). They leave threatening messages and were extremely abusive to us when we called them. 

They also offered up my personal information without knowing who I even was, such as the last 4 of my social, my date of birth and my home address. They would have willingly given this to anyone who said they were me, which has to be in some violation of privacy laws at the very least. 

I am fairly sure this company is a scam and is trying to dupe people into paying their outlandish claims by embarrassing them with repeated calls to family.
Consumer complaint received 2018-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

EXPERIAN IS NOT REPORTING MY CURRENT CREDIT RATING AND I AM UNABLE TO GET THE MONEY I NEED FOR MEDICAL TREATMENT THAT MEDICARE DOESNT COVER BECAUSE OF IT ... AND IT IS REPORTING MISINFORMATION WITH REGARD TO MY HUSBANDS CREDIT SCORE, TOO!! I NEED HELP!!
Consumer complaint received 2018-11-01
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc. (OH)

XXXXXXXX XXXX calls my phone multiple times a day. Calls from different numbers multiple times a day in attempt to collect debt. leaves messages, but continues to call after messages have been left. Leaves intimidating messages. Calls from private or blocked numbers. does not state where they are calling from in messages left. Calls my mother repeatedly, and they already have my address and phone number to locate me. They disclosed to my mother my debt with the company and i have NEVER given them permission to contact her, nor is she a co-signer on the card or affiliated with the account in any way. Planning to pay what i can tomorrow when i get paid, but do not appreciate the harassment.
Consumer complaint received 2018-11-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AE)

I have addressed this to both XXXX and to LOANCARE and neither has cooperated with my requests. 


My issue is simple. I want to get a monthly statement on my mortgage paydown. This ceased some months after XXXX pushed my mortgage to LOANCARE. I was doing a fast paydown on my mortgage when XXXX pushed my mortgage to LOANCARE. 


Here is the traffic of email that I have had with both XXXX and LOANCARE during the past 6 months. XXXX has done nothing to help. LOANCARE initially helped but then has done nothing to fix their website to function. I can not see if my payments are being tracked, I can not see my balance, and I have no security to know that my mortgage is being paid down as per my instructions. 


-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - To Subject Sent Size XXXX ' ; XXXX XXXXXXXX RE : Acknowledge : RE : Payment Received { ( Ticket # XXXX ) Sat XX/XX/XXXX 87 KB XXXX RE : Acknowledge : RE : Payment Received { ( Ticket # XXXX ) XX/XX/XXXX 73 KB XX/XX/XXXX XXXX RE : RE : Payment Received ( XXXX ) XX/XX/XXXX 67 KB 'Issue Resolutions ' ; 'XXXX   XXXX RE : [ External ] RE : Resolution Email for Concern Id XXXX - XXXX XXXX XX/XX/XXXX 102 KB Issue Resolutions ; XXXX XXXX RE : [ External ] RE : Resolution Email for Concern Id XXXX - XXXX XXXX   XX/XX/XXXX 104 KB  XXXX XXXX FW : RE : Payment Received ( XXXX ) XX/XX/XXXX XXXX XXXX Issue Resolutions ; XXXX XXXX RE : [ External ] RE : Resolution Email for Concern Id XXXX - XXXXXXXX XXXX  XX/XX/XXXX 102 KB 'Issue Resolutions ' ; XXXX RE : [ External ] RE : Resolution Email for Concern Id XXXX - XXXXXXXX XXXX XX/XX/XXXX 97 KB   XXXX RE : Resolution Email for Concern Id XXXX - XXXXXXXX XXXX  XX/XX/XXXX 79 KB XXXXXXXX, XXXX XXXX, Ms., XXXX, XXXX/XXXX-XXXX  RE : Question on Loan Care Website and Personal Loan Status XX/XX/XXXX XXXX XXXX XXXX Question on Loan Care Website and Personal Loan Status XX/XX/XXXX 53 KB   XXXX CUSTOMER SERVICE PLEASE XX/XX/XXXX 53 KB  XXXX RE : Payment Received XX/XX/XXXX 59 KB  XXXX RE :   Payment Received XX/XX/XXXX 55 KB -- -- -- -- -- -- -- -- -- -- -- -- XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Recently I communicated on XX/XX/XXXX and then again on XX/XX/2018. Neither XXXX nor LOANCARE has responded to my requests.
Consumer complaint received 2018-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC (IL)

My credit report that is being reported by Specialized Loan Servicing is showing that I owe them over 2 million dollars. This is incorrect. They are also showing many, many late payments. I was not late on my mortgage. 
I need this corrected and I need to start receiving mortgage statements. I do not receive any mortgage statements. 

Please help me.
Consumer complaint received 2018-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XX/XX/XXXX called Bank of America to assist me in filing a hardship as I am a victim of hurricane Michael. I am unable to work and have no income at the moment. I was on the phone for over an hour being transferred several times or not being helped. I was told only late fees could be waived and I could not get my payments postponed. They advertised online that they were helping customers with hardships and working to help in disaster relief, but stated over the phone that this was not true. I have emails that show to call BOA for assistance during this hard time and also online mortgages were allowed to be put on forbearance. No one sympathized with this horrible situation. 
Once I return to work, I will have several months due at one time which is unaffordable. I was requested to call back every month to state if i can not pay just to let them know. I was also told to call back WHEN I could pay. All my other creditors understood and did NOT falsely advertise. I had the right to request a hardship and I wasnt allowed and I am in a federal disaster area. My town is having to be rebuilt from the ground up. By not helping your customers in need you will drive our community into bankruptcy as an only option.
Consumer complaint received 2018-10-30
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. (AZ)

I am concerned about the validity and accuracy of the recent investigation done by the Equifax and XXXX..I requested for an investigation because the accounts XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX   XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im looking to purchase a home.
Consumer complaint received 2017-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which could be no more than a typo. XXXX and XXXX have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I can not be the only one
Consumer complaint received 2018-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/XXXX, I sent investigation requests to XXXX  and Trans Union, asking them to investigate errors on my credit report. They are supposed to conduct investigations and respond back to me within 30 days. Today is XX/XX/XXXX, and neither have responded. Obviously, both agencies have taken too long.
Consumer complaint received 2024-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I signed up for XXXX tours in XXXX XXXX on XX/XX/year> for {$72.00} ( XXXX is the company. XXXX is the company that took the credit card payment ). I payed with my credit card. One tour did not go. I complained to CapitalOne and they reversed the charges for both tours. I still owe XXXX XXXX colombian pesos for the tour I did go on. The credit card company has not payed them despite countless calls and promises from them they will.
Consumer complaint received 2018-11-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (MI)

On XX/XX/XXXX I received {$100.00} into my PayPal account from a 3rd Party and per the application was told I could make a cash withdrawal through XXXX. I went through the requested steps which gave me 1 hr to withdraw with a code on the app. That expired as I entered the store so I got in line and then received another code. I went through the steps with the cashier but my {$48.00} withdrawal request was rejected three times even while on the phone for 30 minutes with customer service and then a specialist who suggested they were have Ng issues with withdrawal at XXXX I just do a transfer to my bank account. I told her the issue was timing and that I needed the funds that evening. The PayPal rep then assured me it would post within the half hour and that she would expedite it to make sure. I did as requested and received a message from the system that my withdrawal would be held for 24 hours due to suspicious activity. I immediately called back and was basically told by a different customer service rep and specialist too bad, nothing we can do, and she  shouldnt have told you that. In addition to the frustration of following the instructions to no avail, I dont appreciate people holding my funds and lying to me
Consumer complaint received 2018-10-30
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo Mortgage calls one time when I was at work could not talk and replied back to the consumer financial protection bureau that the issue was resolved. How can an issue be resolved if you never spoke to any one. Wells Fargo Mortgage is deceptive and nothing but fraud with answers replying back as they talk or fix the issue. I'm also in the process of filing with the US Attorney office for several issues regarding my signature as not mine and other various documents altered by Wells Fargo Mortgage.

Wells fargo calls at late times as if not other XXXX tactics they use in as they call solved this issues is never going to be solved playing games and one lie after another lie.
Consumer complaint received 2017-10-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

In XXXX 2017, I contacted XXXX XXXX XXXX in XXXX, Md. to inquire about getting a mortgage for my first home. After reviewing my credit score, asking about my income and my down payment amount, the loan officer said that I 'd need to work on my credit score before they 'd be able to offer me a long. The issue was my credit utilization. He told me that if I took care of that right away, my score should shoot up very quickly and I 'd be able to look for a home. 

I immediately paid all my credit cards to zero and got back in touch with the Capital One loan officer. He said that it would take a while for the credit agencies to reflect my new credit utilization, but that we 'd keep checking. It took about 30 days, but my scores had improved by about 80 points, which the loan officer told me was more than sufficient for me to buy a home. He issued me a pre-approval letter for {$420000.00} and I began looking for my home. 

I found a home on which I wanted to make an offer, which was significantly less expensive than my pre-approval amount. I was soon under contract with the purchase price of {$360000.00}. I contacted my loan officer and immediately provided him with all the documentation he needed to confirm my income and my down payment. Every piece of information I provided to him was exactly as I told him ( income was accurate, funds for down payment were accurate ). However, a few days later, the loan officer informed me that the bank would not be able to finance my mortgage. There was no clear reason for why, he just said the combination of my income, credit score, etc could n't work. The frustrating thing about this is that, if this were the case, the bank should never have told me they would give me a mortgage and issue a pre-approval letter. Nothing changed from the time they issued the letter to when I went under contract except for the fact that I was asking to borrow about $ 60k less than they approved me to borrow. 

The pre-approval letter lists qualifications they need to check for full approval as satisfactory appraisal and title report, verification of income, assets and other information, and no material changes to your credit or financial situation. I provided information to verify my income and assets, which were exactly as I stated in order to get the pre-approval in the first place.
Consumer complaint received 2018-02-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

After Hurricane Irma, because I was in a federal disaster zone in XXXX Florida, I requested from SLS a loan extension, I was given a forbearance, with 3 months to pay two months missed payments. 

My XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX statements each have a late fee imposed on me, however, I am not late, as I am in approved forbearance. 

I have called SLS every month requesting an adjustment and it has not be reversed and credited to my account. 

XX/XX/XXXX there is a Fee Billed Accured late Charge of {$120.00} - XXXX Statement XX/XX/XXXX Property Inspection Fee of {$15.00} - XXXX Statement XX/XX/XXXX Accrued Late charge of {$120.00} - XXXX Statement XX/XX/XXXX Accrued Late charge of {$120.00} - XXXX Statement.
Consumer complaint received 2018-02-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (TX)

I have contacted this company and requested verification and validation of debt per my right under the FDCPA section 809 a and b. This company refuses to provide to me. I also do not believe they are bonded to collect in my state. This is not my debt and please consider this your direct dispute. I will take all actions to protect my rights even if that means filing a civil suit against you and your client. I will seek actual and statutory damages. This account also needs to be update with all 3 bureaus that its in dispute per the FCRA! Last four of my ssn are XXXX and my date of birth is XX/XX/XXXX
Consumer complaint received 2018-02-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Eagle Recovery Associates, Inc. (IL)

XX/XX/2018 XXXX Eagle Recovery called and left a voice mail but the number calling came up on my caller ID as Wireless Caller with a local number XXXX their spoofing their real number in a hoax to get you to pick up the phone. This is the first time they used this tactic to call me.XXXX what's going to be next?
Consumer complaint received 2018-02-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I received a call today from XXXX claiming to be Portfolio Recovery. They indicated that they were calling on a recorded line. The called said that she was trying to collect a debt from XXXX XXXX for over {$2000.00}. The called wanted to know if I wanted to take care of this debt and that if I didn't that it could damage my credit file. I indicated that my credit was in good standing with XXXX XXXX and asked when was this debt created. The caller first said XX/XX/XXXX and then said XX/XX/XXXX. I told her that there was no way I could recall something from 20 years ago and that there is nothing showing on my credit file to validate this debt. I also stated thatXX/XX/XXXX was well past the statue of limitations. The caller then asked if I wished to dispute the debt which I stated yes. She asked me if the address they had was correct and I stated yes and she asked if the number she was calling on was the best number to reach me. I also stated yes. The caller stated that I would receive validation in the mail. My number is on a do-not-call list. I don't believe this to be valid. I have never even had a credit card with a {$2000.00} credit limit. Calls like these are very disturbing.