davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (PA)

On reviewing a recent copy of my credit report, I noticed a collection account ( XXXX ) listed for Fair Collections & Outsourcing. Evidently, the account was sent to FCO in XX/XX/XXXX. As I had never received any correspondence from FCO or the Original Credit regarding this account, this account may not even belong to me. 
As I am cleaning up my credit report and am unsure if this account is mine, I emailed FCO on XX/XX/XXXX regarding this account. Upon receiving my email, they simply sent me a letter ( which uses a name I have not used in approximately XXXX years ) with a balance owed, a date to pay by, and an indication they would mark the account as " settled. '' This is the first communication I received regarding this account and it only came after I contacted them. Also, in their letter, they failed to indicate a right to dispute.
Consumer complaint received 2015-09-11
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: WELLS FARGO & COMPANY (MO)

I applied for a Dillard 's charge card as I would like to participate in their rewards program. 
Instead of a charge card, I was issued a Dillard 's American Express card. I contacted Dillard 's and XXXX XXXX requesting a downgrade to a regular Dillard 's charge card and was told I was ineligible for a downgrade because my credit is too good and that only people with bad credit are eligible for a " Dillard 's only '' charge card. 
I do not want another credit card because of the greater liability if lost stolen and the fact that I plan to let other persons use the card for Dillard 's purchases. 
I believe it is an unfair practice to issue Dillard 's charge cards only to persons with bad credit and to refuse to issue a charge card to persons with good credit. 
Desired resolution : Issue me a Dillard 's only charge card. 
The XXXX XXXX card that I was issued is XXXX. I have not activated it ; nor do I intend to do so.
Consumer complaint received 2015-09-11
Product: Credit card — 
Issue: Advertising and marketing — 
Company: SYNCHRONY FINANCIAL (CA)

In XX/XX/XXXX, I was " sold '' a medical line of credit by my dentist called " Care Credit ''. The line of credit was for a dental procedure for my XXXX children. This was the only charge ever on this account. It was opened specifically for this procedure. I was told that the credit was interest-free for 12 months. I have paid the full, original charge. Today, XX/XX/XXXX, I was notified via email of a {$9.00} late payment. I called the credit card company, now called Synchrony Bank, and ask them why I was late? According to them, I still owe XXXX {$300.00}. As it turns out, my card is not actually interest free for the first twelve months, but interest deferred. Therefore, I am now paying the accrued interest for the first 12 months at almost 30 % interest. That is the only amount I owe. I requested that they charge me interest on the portion of the monies owed to them after the initial 12 months interest-free period expired, not the original 12 months since the card was sold to me as 12 months interest free, but they refused. Every month I am emailed an invoice summary telling me just the amount that is owed and the minimum payment due. Nowhere on these emails does it show that the interest is accruing over the first 12 months and will be deferred. I also spoke to a supervisor. The supervisor told me that it is my responsibility to login to their web site XXXX as their emails do not have any information on the deferred nature of the interest ) in order to read their terms. I told her that expecting to log on to examine changes from what was sold to me is not transparent behavior. She told me that I should not have signed up for online statements because I would have otherwise seen the deferred interest accruing on the paper statement. She also called the first 12 months interest free while I was on the phone with her and then went on to say that on the XXXX month I was charged the deferred interest. I explained to her that interest free and interest deferred are XXXX different things, but she insists that what they are doing is the same as interest free. The supervisor 's name is XXXX with ID # XXXX.
Consumer complaint received 2015-09-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (IL)

I wanted to write you a formal complaint letter with regard to my loan modification. My loan was sold from XXXX to Caliber early this year. I completed an application for a loan modification following the sale. In XXXX, I received a proposal for a trial period of XXXX months. The problem was that monthly payment was the same as my previous, and the proposed terms was not a modification at all, but rather a 5 year interest only payment arrangement. During this time I was out of town for work, when I got back I immediately called Caliber homes to discuss that this was not a loan modification and that the monthly payments needed to be lowered, as due to divorce and other hardships I fell behind on my mortgage payment. However, I also stated that with the right loan modification, I would be able to make regular payments as I have good stable income, been with same company for XXXX years, and I want to keep my home and stay in my home with my XXXX kids. 
Caliber informed me that there was nothing else they can do, because I have missed the XXXX week deadline for appeal, since then I was trying to work with HUD, and other mortgage counseling agencies, with no results. 
I want to insist that Caliber homes review my file and hopefully provide a real land modification. 
I am still working toward and want to find a resolution.
Consumer complaint received 2015-09-11
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP (IL)

The issue that I am having with Selene Fiance is unprofessional service and avoidance of reviewing my updated documents that were requested of me to send for a modification that would enable me to keep my home. I am working with a HUD approved agency and I have signed a completed package and dated with all information requested three times. The first XXXX was rejected and I filed an appeal with additional income included which was rejected for insufficient income and I complained to my counselor and Selene. My counselor spoke with Selene Finance and they acknowledged that it was an oversight on their part for not including the additional income. The application was resubmitted. Once this was done they did not reply for over 60 days and when called for status checks I was under review then I was told that the old letter that was sent to me for the previous submission was my outcome. The fact is ; they did not consider the XXXX application that I sent them. This has caused me to become further and further behind on my mortgage payments and my unpaid balance is rising so that it could become impossible for me to keep my home of 14+ years. I received the XXXX request XX/XX/XXXX to send several items again that were already sent. This is a repeat of the mortgage disaster that began XX/XX/XXXX where mortgage companies disrespected the home owner. I am appealing to the CFPB because this has got to stop, these institutions need to be held accountable and pay for their mistakes and not charge the consumer all the cost. I should have a FHA modification and if they have caused me to have more months then I qualify for they should be removed and any additional charges that I may receive. I am retired and on XXXX and my uncle lives with me permanently. I am writing to let others know that they are not alone with the mistreatment that we homeowners are experiencing from these servicers.
Consumer complaint received 2015-05-19
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Concord Resolution Inc (Closed) (TX)

I have been receiving calls from several different numbers stating that I am " a person of interest '' and must file a statement within 48 hours or the case will be forwarded for further legal action. 
The first time I actual spoke with a person, I was asked to verify my SS and I refused. I told them to stop calling me and that if this involved a debt they needed to contact my attorney who works with XXXX XXXX XXXX. ( I work in the XXXX ), I gave them all the contact information to reach XXXX XXXX XXXX, XXXX, which they have not done. 
They continued to call me and leave automated messages on my phone. 
When I call them back after a few weeks, I had to verify the last XXXX of my SS. Then the man ( XXXX XXXX ) said I took out a payday loan in XXXX 2013 from XXXX XXXX, and still owe {$480.00} on it, how do I plan to take care of this debt. I said I never had this loan and have never heard of XXXX XXXX. I told him he would have to talk to my attorney, and that once I got validation of the original loan I would have my attorney call him. He claims to be with Concord Resolution and his numbers are XXXX and XXXX.
Consumer complaint received 2015-09-12
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BMO Bank, N.A. (WI)

I went to BMO bank XXXX XXXX XXXX XXXX WI. I gave them a {$10.00} bill and asked for a roll of quarters. They asked if I had an account there. I said no. They said they could not give me the roll of quarters. They said they are saving them for their customers. What are banks for? I used XXXX money asking for XXXX money. Are the United States low on quarters?
Consumer complaint received 2024-10-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NY)

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 2015-09-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (NY)

Chase bank recently used faulty information to extort over {$3000.00} from me and my wife. XXXX they raised the escrow amount for our monthly mortgage by less than {$200.00}. We pay our mortgage automatically and I forgot to shift to the new, higher payment. Starting in XX/XX/XXXX, we received several threatening letters from Chase 's collection agency claiming we owed them over $ 3K. We raised the funds overnight and sent it to them. We did not owe them over $ 3K, though. We owed them less than {$300.00}. When I called them, I learned that : ( 1 ) Even though they deposited the checks I mailed them in XXXX and XXXX, and even though I no longer had access to those funds, they did not count them towards the mortgage payment because they were not the full amount. 
( 2 ) Because of that, their system generated an automatic letter to me claiming I owed over *Ten times the amount I owed* ( 3 ) When I then asked what would happen with the extra money I had given them over what I owed, they told me they had automatically applied it to the principle on my mortgage without ever asking me, and that in order to get it fixed, I would need to give Chase an addition {$140.00}. 
In short, they took money from me, did not apply it to my loan, threatened me unless I gave them over $ 3K and then used my money without asking me. Not only did their mistaken letter cause serious cash flow headaches for my household, but the icing on the cake is that in order to get them to do the right thing and use the extra funds the way I want them used, I have to pay them even more money. The situation is galling, and if it 's not illegal, it should be.
Consumer complaint received 2015-09-12
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Direct Recovery Services, LLC (VA)

Good Afternoon, I received a call from someone named " XXXX XXXX XXXX, from the offices of XXXX XXXX '', not mentioning my name in the voicemail, and threatening legal action for something without giving any details on the creditor or leaving his phone number. 
I called the number back, and it went to a " XXXX ''. This is seemingly a false attempt to obtain my financial information, money, or other personal data. I looked up this number and found other complaints against this same individual. Thank you. 
Number : ( XXXX ) XXXX
Consumer complaint received 2015-09-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Paypal Holdings, Inc (IN)

My PayPal account was compromised by someone in XXXX ( I have an email from PayPal in XXXX indicating the addition of a bank account ), who transferred {$480.00} to an account in their control. 

When reported to PayPal as fraud, they issued a refund of the {$480.00} fraudulent charge. 

They later rescinded the refund, and are now trying to collect the sum, and are preventing me from using their service until I re-pay the amount I was defrauded.
Consumer complaint received 2015-09-12
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: GOLD KEY CREDIT, INC. (GA)

Today XXXX XXXX XXXX around XXXX in the morning I decided to check my credit due that I had certain plans on mind when I was able to see my credit report I was concerned to see a debt collection and also certain hard inquiries which according to the report the original creditor of this collection was XXXX XXXX XXXX XXXX XXXX XXXX, and the collection agency is : XXXX XXXX, XXXX ( XXXX ) XXXX surprise me due that I 've been living in Georgia since XX/XX/XXXX and I have my apartment lease contract as a proof of this, I immediately contacted the Federal Trade Commission and my local police to solve this issue all this documents will be provided I would appreciate the help to solve this problem directly with the debt collector and also to solve this issue with my credit report because this is very unfair and frustrating.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX Subject : Request for Removal of Late Payment Record Dear DEPTEDXXXX I hope this letter finds you well. I am writing to formally request the removal of a late payment entry associated with my account XXXX under the provisions of the Fair Credit Reporting Act ( FCRA ). 


According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payments were reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. does not accurately reflect my payment history, and therefore violates this provision. 


Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report. I have always valued my relationship with DEPTEDXXXX and have made all my payments on time, except for this instance, which I have identified several factors that suggest an error in the reporting process : Account Transfer and Miscommunication : The account was transferred and there was a delay in processing the transfer. Any late payments that were reported during this period should not have occurred as I was under the impression that the account was in transition, which can be confirmed through payment records. 
Payment Processing Delays : There may have been a miscommunication between XXXX and the servicer during the transition. I had initiated payments during the normal billing cycle, which are reflected in my transaction history prior to the account transfer. This delay should not have resulted in a 120-day late payment.

System Error in Reporting : I had already raised a dispute, which was marked as resolved. However, the 120-day late payment still remains inaccurately on my credit report with TransUnion, indicating that the dispute was not appropriately resolved. 
I kindly ask that you provide me with a response to this request within 30 days. Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies. 


Thank you for your attention to this matter. I look forward to your prompt response. 


Sincerely, XXXX XXXX XXXX
Consumer complaint received 2015-09-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

Bank of America is reporting Suspected Fraud Activity on XXXX and this is not accurate. I would like to dispute this and have it removed from XXXX. This was reported on XXXX/XXXX/2013 with a charge off amount of {$98.00} which is not accurate.
Consumer complaint received 2015-09-12
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Ad Astra Recovery Services Inc (CA)

I received a called from this company, They say a Attorney that was in charge of this account was ready to file, if no payment was made. 
I send a request to this agency for a Validation of the account since they are not the original creditors and I request a break down of fees and they fail to provide proper documents and or prove for there claim.
Consumer complaint received 2015-09-12
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CITIBANK, N.A. (AK)

On XXXX/XXXX/2009 I was sued by CitiBank while I was going to XXXX for college. I was working full time and going to to XXXX full time, but I did not receive any indication that someone was attempt to collect a debt from me or notice that I would have funds that came out of my student loans for college would be sought for as damages. When I was going to pay for my next semester of XXXX my student loans had been garnished from my bank account by CitiBank and I was forced to apply for additional student loans to continue school.
Consumer complaint received 2015-05-19
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

They told me that it would not hurt my credit and I can dispute it and it will be removed. This was false and I was misled into thinking this account would not damage my credit score but it has tremendously. Want this account removed from credit.
Consumer complaint received 2015-07-14
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Freedom Mortgage Company (NY)

I began working with XXXX XXXX and XXXX XXXX in XXXX 2015. Several times during the mortgage preapproval and application process I was told that I would receive communication back, either via a phone call or email, however, I did not. Having waited for said contact on multiple occasions over two months, mortgage rates have now risen. Because of their inability to follow through on what they said they would do, and the lack of communication on their part, I had to pursue my mortgage application with another company at a higher rate. My last conversation with XXXX XXXX ended on XXXX XXXX, 2015. He stated at the end of our conversation that I would receive a call back later that day. To date, I still have not received any contact. On several occasions, I had to call his office multiple times in one day. Specifically on XXXX XXXX, 2015, I called XXXX ; XXXX in the morning and XXXX at close of business, only to be told that I would receive a call back both times. I never did receive that call. Instead XXXX XXXX sent me an email to call him the following morning. Since I began the mortgage process, I have been pursing the XXXX Achieving the Dream product with the 3 % Down Payment Assistance Loan. Since XXXX 2015, the rate has held steady at 3.375 %. However, on XXXX XXXX, 2015, the rate rose to 3.5 %. Because I waited to hear back from these award-winning employees, I am now locked in at a higher rate, thus spending XXXX more over the life of my mortgage. I now highly regret engaging in contact with XXXX, believing that I would receive timely correspondence. During the course of my career, I have been trained to spot regulatory violations and this XXXX is glaringly obvious. It is exceptionally unfair that I am now subject to the higher rate and thus more money out of my pocket, because I waited for contact me back. Had these loan officers followed through not only in communication, but with my application, this could have been avoided. Furthermore, having sent XXXX XXXX and XXXX XXXX the XXXX pieces of information that constitute an application and receiving no response to date, this is clear violation of the service level agreements set forth by RESPA statute. I have attached a timeline of events depicting the correspondence between XXXX and myself. Emails and phone records are available upon request. I want to know what XXXX will do to rectify this situation.
Consumer complaint received 2015-09-12
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION (CA)

I BUY DEALER CHOICE IN XXXX CA I TEST DRIVE THEY KNOW ABOUT IT I TEST FRONT SHAKING THINK TIRE I PUT DOWN XXXX AND DEALER PUT DOWN XXXX I ASL FPR WARRTY HE SAY WAIT FINISH SIGEN ALL PAPER LAST MIN ( ASIS ) SHOCK HE SAY NO WORRIED BRING CAR I DID FEW TIME NEVER DID FOOLISH ME I WENT TO SHOP FOUND OUT FRONT FRAME DAMAGE AXLE IFEW DAYS I GO OTHER SHOP FOUR SAME STORY TOLD ME TAKE CAR BACK I DID HE REFUSE TRADE OR MONEY BACK I CANT HEAR WHEN COME OFF U ALL CAN HEAR NOT ME I DO RISK DRIVE PO [ P AND STOP HARD RUN OVER YELLOW LIGHT I CANT STOP LAST MIN BRAKE BAD, COST OALOT XXXX TO XXXX DOLLAR NO WAY I WANT MONEY BACK I TRYING TO GET LOOAN CANT HARD BEFORE TOO LATER KEEP DRIVING HAVE ALREADY CRACK THANK U I DID CALL LET THEM KNOW ABOUT CAR BAD .CREDIET ACCPTANCE MY PAYMENT THEY CANT HEKP ME. I DID CATCH UP PAYMENT WHEN CAR PLMS FIX I AM SO TIRED FOUND OUT FRONT FRAME DAMAGE I NED YUR HELP
Consumer complaint received 2015-09-12
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (CA)

Equifax said it did not share data with other credit reporting companies and data was secure, however Equifax shared data on my and my wife 's file, and that information caused us to get turned down TWICE from a credit union for a loan. Equifax did not have the information and bought it from XXXX, this violates the FCRA regarding information privacy