davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-10
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have sent several letters under " XXXX '' to Bank of America for details of the debt they are reporting to XXXX, XXXX and XXXX. Bank of America is reporting multiple addresses for contact to each of the credit agencies and have not responded to my requests. The charge off amount reporting is different between XXXX credit agencies. I have asked for details about the data of last payment, charge off amount, interest being charged and how they calculated this interest and copies of past statements and to provide if this debt has been sold to a debt collector. I have not received any response from any of the addresses they are reporting. The Credit Agencies continue to validate this debt and it continues to report monthly. BofA has not reported that this debt is in dispute with the Credit Agencies after several " XXXX '' letters.
Consumer complaint received 2015-12-24
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (CA)

Macy 's American Express Credit Card ( " AMEX '' ) failed to deliver my e-statements through the XXXX XXXX XXXX Bill Pay for three months in XX/XX/XXXX. During those three months, AMEX continued to incur and accrue interest and penalties on my account. On XXXX/XXXX/XXXX, I had phone conversations with XXXX different AMEX customer service representatives attempting to resolve the situation. During one of the phone conversations, a representative indirectly refused to mail me the missing statements ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) and my request to speak to a supervisor was denied as well. In addition, some of the key information provided by the XXXX customer service representatives during the phone calls was inconsistent with the information listed in the XXXX XXXX XXXX XXXX/American Express Credit Card Agreement regarding the billing statement. 
My AMEX credit card account was opened in XX/XX/XXXX. Since then, there has been no change to my AMEX account and account number and the XXXX XXXX XXXX Bill Pay and e-statements through XXXX XXXX XXXX. On XXXX/XXXX/XXXX, I paid the cumulative interest and penalty of {$100.00} in the XXXX, CA Macy 's Department Store to stop the AMEX account from continuing to incur interest and penalties while the complaint process continues. 
As of today, AMEX has not delivered my missing statements. Please see the attached personal statement and supporting documents for details.
Consumer complaint received 2016-01-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Debt Recovery Solutions, LLC (FL)

Case number : XXXX Despite the resolution of this case and my efforts to resolve this matter, the account still being reported in with XXXX. 
XXXX claim that only the collector can delete the account. 
I have spoke with XXXX XXXX XXXX and have wasted my time. 

XXXX XXXX XXXX do not show respect for the law, nor for the resolution of this case and much less for the individual.
Consumer complaint received 2015-06-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (OK)

I have disputed debt buyer accounts on my credit reports to all XXXX agencies because when the XXXX collection and the XXXX collection were due to be removed XX/XX/XXXX they all XXXX allowed debt buyers to replace these on my credit report even though that is illegal. I want these removed immediately. I want proof of where I signed with these debt collectors, etc.
Consumer complaint received 2016-03-18
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (CA)

The week of XX/XX/XXXX I purchased a TV from XXXX, A recently dissolved business. Immediately after purchase in XX/XX/XXXX, I contacted Synchrony Bank and XXXX XXXX, but mostly Synchrony bank re an extension of a promotion to extend payment period of NO interest charged from 6 months to 12 months. There is a recording on file and a date and a customer service agent attached to this extension. Synchrony bank refuses to honor this agreement and have sent to Synchrony management allthe documents given to me by the Insolvency agents that state that Synchrony is resposible for this issue. They also state that the store, XXXX XXXX, owes me a store credit. 
I 'm tired of asking Synchrony to fix this issue.They may tell me how much acrued charges are to attach to the estate XXXX. but they refuse to ackowledge anything. They keep asking me to contact a business that has been dissolved and the issue at hand, is the extension issued by during the recorded call they refuse to investigate. The date of this call is the date Synchrony began to collect {$110.00} dollars a month instead of the minimum. All of this done with calculation to conclude succesful payment with no interest before the due date XX/XX/XXXX. Please help me because if there were a court to take this bank to and subpoena the recordings of customer service, I would do it. Ihave submitted all emails relating to the discussion with a lawyer from XXXX XXXX estate insolvency group to Synchrony Bank. Please ask the Bank for this as this makes my argument real clear. I have in my records of e mails this also.However I am unable to upload it here.
Consumer complaint received 2016-02-17
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Exeter Finance, LLC. (NJ)

I purchased a XXXX Buick Rainer on XXXX XXXX, XXXX. The amount financed for the Vehicle was {$16000.00}. Since XXXX XXXX, XXXX, I have been paying the sum of {$440.00} every month. To date, I have paid {$15000.00} and have been inform that I still owe {$10000.00} on the Vehicle. Since I got the Vehicle, I have been experiencing serious problem involving periodic repairs. This has been going on until recently, the Vehicle has broken down. The repair bill is over {$4000.00}, which I do n't have. I have tried to solicit help from the loan company, Exeter Finance, but they have flatly refuse to even listen to me. I asked for them to refinance the vehicle, but they told me to go to other Loan Institutions as they do not finance their own loan. I am writing this complaint to inquire as to what steps are available to solve this problem. I casn not continue to pay for a vehicle that I am not using. It is apparent that during the course of this loan, I have only been paying interest, and little or no principle. Please advise on how I can get help in this situation. Thanks for your anticipated help.
Consumer complaint received 2016-02-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

We had a mortgage loan with Huntington Bank and we are having difficulties in getting corrected yearend statements produced for the years affecting XX/XX/XXXX and XX/XX/XXXX. There seems to be incorrect coding in Huntington 's servicing system where it was not recognizing a bankruptcy that was discharged in XX/XX/XXXX.?? In XX/XX/XXXX both my ex-husband and myself filed a bankruptcy XXXX because of a failed XXXX. The BK was in fact discharged in XXXX XXXX. No reaffirmation was filed. In XX/XX/XXXX we tried to sell the home but was unsuccessful because we owed more than what it was worth. We had several short sale offers come in on the home but with repeated delays on Huntington 's end, we lost all offers. Because of delays and poor customer service by Huntington 's Loss Mit/short sale department caused the home to go to sheriff sale in XXXX XXXX. In XXXX and XXXX XXXX I received several XXXX forms from XXXX and XXXX that were prepared by Huntington. When I received the forms I called Huntington. I left a message with a rep who I explained what my phone call was about. She guaranteed me that someone will contact me back within a week ... ..which of course did not happen. I called again and finally spoke with a supervisor along with a manager and requested a correction. Because of the bankruptcy being discharged and with no reaffirmation filed, we were no longer liable for the debt. I was expecting a correction which would clearly state a " correction '' on the form along with not marking the form " not liable ''. The supervisor did say the proper BK coding was not there and corrections were made. The supervisor advised me that a correction will be sent on the XXXX form but I should disregard the XXXX form since that was an error. Even with receiving what I received and speaking with both the supervisor and XXXX I still felt the proper corrections were not sent to the IRS. Now in XX/XX/XXXX I received not only a XXXX but I received a XXXX on a house that was sold in XXXX XXXX??? The XX/XX/XXXX form came from Huntington Bank ... why? Why would we get these forms? I would like an answer from Huntington advising me that the proper corrections were made to the IRS in XX/XX/XXXX and why am I getting forms for XX/XX/XXXX. When it comes to the IRS I certainly do not want improper information sent to them.
Consumer complaint received 2016-01-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (OH)

I disputed this creditors reporting previously and experian will not let me dispute it again and i have changed the reasons.This creditor was included in my bankruptcy of XX/XX/XXXX but is using a filing date of XX/XX/XXXX and showing a co in XX/XX/XXXX.This is a violation of federal law and violates my discharge and automatic stay and confirmation rights.Therefore this is an incorrect entry and violates the facta and fcra. A co means they charged it off but they filed for payment in the bankruptcy so can not be a co either way.Filing date and discharge date are reported on this report so how did experian verify this creditors reporting for my dispute and not referance their own report.So their investigation constitutes fraud and this creditor committed fraud because they were served by the bankruptcy court of the correct dates.So i ask the cfpb why and how can these entities continue to break the law without consequnces.
Consumer complaint received 2015-06-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have an e-account with Bank of America. I was told that I would not be charge any fees. 
however every month I am being charged a $ XXXX monthly fee. 

I have called and visited the bank to take the fees off and they have done so. 
However since XXXX 2015 they have refused to do so.
Consumer complaint received 2016-01-09
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Americas Car-Mart, Inc. (MO)

I PURCHASED A VEHICLE THROUGH AMERICA 'S CAR-MART OF XXXX XXXX, MO ON XX/XX/XXXX. WHEN I PURCHASED THE VEHICLE I WAS TOLD THEY REPORT TO CREDIT BUREAU AND IT WOULD LIST AS " COLONIAL AUTO FINANCE '', WHICH WAS WHAT I WAS LOOKING FOR, SO I COULD REBUILD MY CREDIT. I WAS ALSO TOLD, AFTER ABOUT A YEAR, I CAN TRADE IT BACK IN ON SOMETHING ELSE AS LONG AS I HAVE GOOD PAY HISTORY AND I VEHICLE IS STILL IN GOOD CONDITION. A FEW MTHS AFTER PURCHASING THE VEHICLE I PULLED MY CREDIT REPORT AND NOTICED " COLONIAL AUTO FINANCE '' WAS N'T SHOWING. I THEN WENT TO CAR-MART PERSONALLY AND EXPRESSED MY CONCERN. I EXPLAINED TO THEM I WAS SOLD UNDER THE IMPRESSION, IT WOULD REPORT TO CREDIT AND IT IS N'T SHOWING UP. & I WAS MISREPRESENTED. I WAS TOLD, THEY HAD ALOT OF COMPLAINTS ABOUT THE SAME THING FROM OTHER CUSTOMERS. I EXPLAINED HOW I WAS MISREPRESENTED AND I WANT OUT FROM UNDERNEATH THE VEHICLE. I WAS TOLD, THERE 'S NOTHING THEY COULD DO.I PULLED MY CREDIT REPORT A FEW MORE TIMES AND I REPEATIDLY COMPLAINED ABOUT THE MISREPRESENTATION & HOW IT STILL WAS N'T ON MY CREDIT REPORT. AS I STATED, I PURCHASED THE VEHICLE IN XX/XX/XXXX AND IT ALL THE SUDDENS SHOWS UP ON MY CREDIT XX/XX/XXXX. ALTHOUGH IT WAS REPORTED, THE INFO ON MY REPORT WAS N'T ACCURATE. WHEN THEY REPORTED IT, THE DID N'T GIVE ME MY POINTS FROM ALL THE MONTHS OF ON TIME PYMTS AND THEY PUT IT ON THERE LIKE I JUST PURCHASED THE VEHICLE, WHICH WAS N'T TRUE. OF COARSE MY CREDIT SCORE DROPPED DRASICLY WHICH I HAD BEEN REBUILDING ALL YEAR LONG. AFTER SEEING THAT, I CONTACTED CAR-MART AND WAS TOLD I NEEDED TO CONTACT CORPORATE, SO I DID. I SPOKE TO A GENTLEMAN & HE ASKED ME " WHAT I WANTED HIM TO DO ABOUT IT? '' TAKE IT OFF?? AND I WAS INSTRUCTED TO CONTACT THE CREDIT BUREAUS AND TELL THEM TO CORRECT IT. WHICH IT WOULD N'T MAKE DIFFERENCE BECAUSE THEY SHOULD HAVE REPORTED IT LIKE THEY SAY THE WHERE GOING TO DO 9 MONTHS AGO. SO ON XX/XX/2015 I WENT IN THE STORE EXPRESSING MY CONCERN AND TO MAKE IT RIGHT AND ASKTO JUST TRADE ME OUT OF THE XXXX XXXX AND PUT ME INTO A TRUCK AND I WAS TOLD I NEED {$4000.00} TO GET OUT OF THE XXXX AND IT WAS NOTHING THEY COULD DO ABOUT THE CREDIT SITUATION AGAIN, BUT SORRY. I HAVE MADE MY PAYMENTS ON TIME AND WAS TOLD TO KEEP IT ABOUT A YEAR AND I COULD TRADE, WELL I GUESS THAT WAS A LIE TO AND LOOKING OVER MY CONTRACT IN SHOWS AMOUNT FINANCED XXXX, AMOUNT OF PAYMENTS {$15000.00}, TOTAL SALE {$16000.00} AND I PUT DOWN {$940.00} SHOULD THAT COME OF THE PAYMENT AMOUNT. I AM GOING IN ONCE AGAIN ON THE SATURDAY XX/XX/2015 TO SPEAK TO THE GENERAL MANAGER ON THE ISSUES AGAIN. I DUE HAVE A COPY OF MY CONTRACT AND I CAN FAX IT TO YOU ...
Consumer complaint received 2015-06-01
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Keith D. Weiner & Associates Co., L.P.A. (OH)

My story is similar to some I 've read. Around or about XXXX XXXX I received an letter to avoid a garnishment, which I faxed on XXXX XXXX. That was the last time I heard from Keith Weiner & Association. Until XXXX XXXX my employer sent notification of garnishment to be effective for XX/XX/XXXX first garnishment payment being withheld. I contacted the paralegal specialist advising I was blindsided by this garnishment and the amount of {$230.00} XXXX would cause a hardship for me and my children being I 'm a single parent and sole provider of XXXX. The paralegal specialist informed me at this point the only option I had was to go to court and request for a hearing. To avoid any more attention to this garnishment and even more the embarrassment I did n't challenge the garnishment amount so for the next XXXX months XXXX was withheld biweekly until the final payment was made XX/XX/XXXX satisfying the debt of {$1100.00} to XXXX XXXX XXXX XXXX XXXX of Ohio represented by Keith Weiner & Associates for collections. XXXX XXXX totaling {$1100.00} XXXX XXXX.Sometime in XX/XX/XXXX I received a notification for Keith Weiner office stating there was a balance of {$470.00} due for interest I called XXXX XXXX who is extremely rude. I tried to explain XXXX XXXX I would send the all if my pay statements showing this was satisfied paid in full on XX/XX/XXXX a final payment letter was sent to Weiner from my employe on XX/XX/XXXX as well. XXXX told me he did care what I had I still owed {$470.00} I asked how {$1100.00} was garnished by court order and that he was going to garnishment me again. I pleaded with him not to do so knowing the debt was satisfied and I could provide proof to XXXX XXXX he stated he did n't want any proof. I hung up very frustrated never receiving any other notification regarding another garnishment. Until I came back to work being out on XXXX for over XXXX weeks. XX/XX/XXXX garnished again by Weiner first payment on XX/XX/XXXX for the XXXX time for an additional {$470.00} in addition to the {$1100.00} with held XXXX XXXX. With the additional amount Totaling {$1600.00} causing and overpayment of {$470.00}. I contacted Weiner requesting my money back and XXXX stating I 'm not getting anything back I have all the cashed cancelled checks and now seeking legal guidance in this matter I 'm in jeopardy of losing my house this has caused XXXX, financial hardship humiliation as well as my reputation at Work.
Consumer complaint received 2016-03-17
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC (CA)

I set up a automatic payment with west lake financial for XXXX/XXXX/16, for some reason my bank had a block on payment to this company, so when i saw that the payment was return by west lake i called them up and paid over the phone, i was given a confirmation number and was told my next payment was due on XXXX/XXXX/2016, however i have been receiving phone calls a couple times a day via a automatic dialer, and they say i am late on my payment. i then explain the situation and give them the confirmation number they then say they will notated the problem and i should not get another phone call, but i get another phone call saying i have not paid
Consumer complaint received 2016-02-14
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: IQOR US INC (NY)

I currently owe money to XXXX from private student loans. This debt has been disputed and I have filed a Defense to Repayment and the collector is not only calling me repeatedly but also calling my mother in law and my husbands grandmother ( whom neither of them signed anything for me, and one of them does not even speak English ). They have no right to constantly call my family looking for me when they have no ties to me financially. This is unacceptable and harassment.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I recently noticed inaccuracies and false accusations and fraudulent inquiries. I am formally requesting that these be investigated properly with immediacy. The account information listed directly below is inaccurate, and I dispute the validity of each. As per the FCRA you must delete all entries to my credit file that can not be proven to be accurate. Likewise, you must provide me with your Method of Verification. You are a partial owner of the eOscar system, which has proven to be unreliable for the intended purpose of my dispute and does not constitute the legally required independent investigation that you must conduct. The Information as Shown Below Must Be Investigated Immediately. I reserve my right to sue you civilly in the court system, which will result in my seeking the maximum allowable penalty for each item. Falsely reported inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting that when responding to this dispute, you show the Method of Verification you have used in determining the accuracy of the above listed information. I do not consent to the use of E-Oscar as a verification method. I am aware that the FCRA provides you ( 30 ) days to investigate these items, and ( 15 ) days more to provide me with your findings. I do expect that you will also provide me with an updated copy of my credit report. Upon completion of your investigation, which will show any changes or the lack thereof. I expect these results to include all information requested, including your method of verification. If you are unable to comply within the confines of the FCRA, I will expect all items to be promptly deleted. I have read that you will often label a dispute as frivolous, with an accusation of the use of a credit repair company. Rest assured, I have entirely composed this letter myself, without the assistance of a credit repair company. Should I require assistance, it will be sought through an attorney, dependent on your response to this letter. Thank you very much for your cooperation.
Consumer complaint received 2016-01-07
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Frederick J. Hanna & Associates, P.C. (closed) (MI)

In XXXX, after becoming XXXX I could n't keep up with my credit card account and it went into collections and the account was sold a few times. In XXXX a collection agency by the name of Fredrick J Hanna & Associates, XXXX. XXXX XXXX XXXX. XXXX Georgia XXXX tried to sue me for the money. We then when to mediation made a settlement agreement on the account, I paid the settlement making my last payment XXXX XXXX, XXXX I then requested the pay off letter, which I never received even after contacting the XXXX County Court in XXXX & XXXX. The only statement I got from the court was to keep contacting Fredrick J Hanna '' s office because as an officer of the court they could n't advise me on this case. I have contacted my financial institution regarding all payment records regarding this matter and I will be able to get them and forward them when it is necessary. On XXXX XXXX, XXXX I received a notice from my credit monitoring service that Frederick J Hanna has filed a civil case against me for the remaining balance on this old account after I paid the settlement in XXXX. Today is the first time I became aware of the shady practices of this company and the Lawsuit won against them for doing this to several consumers.
Consumer complaint received 2015-11-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

Experian continues to report an incorrect item on my credit report. There is a lien on my credit report for a XXXX XXXX account from 2010. On the same credit report page XXXX, you can find my XXXX XXXX account histories and they are always paid on time, never late. Account closed at consumer request. 
Even after disputing this item twice and pointing them to their own information on my credit report, Experian refuses to remove the fraudulent item on my credit report. This is now impacting my ability to buy a home. 
Can you help me resolve this issue?