davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Harley Davidson Financial Services Inc (IL)

Harley Davidson Financial Services.

I am currently behind on my loan payments and have been trying to catch my past due payments ( past due interest ) when it was brought to my attention that every month the finance company is applying partial payments to the past due interest and the rest to accrued late charges. This has been an ongoing issue for over 12/mos now. With this being said. I trying to discuss with finance company that you can not apply partial payments to the past due payments so late fees can be covered they advised me I was incorrect. When requesting a detailed breakdown of the last 12/mos of payments, I received a breakdown of each months payments with no evidence reflecting the reduction of principal, past due interest or any amounts that have been applied to late charges collectively showing the application over the 12mos of late charges paid. his has been an ongoing issue with Harley. Please assist in resolution.
Consumer complaint received 2018-05-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CONRAD CREDIT CORPORATION (VA)

My wife and I brought a time-share in Florida in XX/XX/XXXX and we paid {$9000.00} cash for it. My wife die in XX/XX/XXXX so it was left to me, than I was behind on my fee so I sent XXXX XXXX {$700.00} check to catch up on my fee. I call them and told them to Lease my time-share so it will pay for my condo fee, but it never happen.I don't owe Conrad Credit Corporation one penny. I have't been on vacation seen my wife dead. I pray this matter will be over soon.
Consumer complaint received 2018-05-30
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

My mortgage was with XXXX XXXX XXXX and then it was transferred to Carrington Mortgage. I have for more than five years tried to modify my loan. I received the attached letter and I sent in all the documentation requested. I had invested 25 years in my home.

I never received notice of the foreclosure and I have not heard from the mortgage company since I submitted all papers asked for by the date requested of XX/XX/XXXX.
Consumer complaint received 2018-05-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/XXXX, I went to the TD Bank locates at XXXX XXXX XXXX in XXXX, Fl in ref to an account being opened in my name. I received a statement from XX/XX/XXXX-XX/XX/XXXX with a XXXX balance. The bank rep, XXXX XXXX XXXX, said the acct was opened on-line and they immediately closed it. I informed them I had my personal info compromised in the IRS release of info and had a police report for that. I had a police report written for this incident. 
In the last week I have received two ledgers with checks and deposit slips for my new acct wITH TD Bank, each with a different acct number. Both ledgers were sent to my house. I called their Fraud dept and after being on hold for 30 mins, was disconnected shortly after the fraud employee answered the phone. I called back and have been on hold for 25 mins again after explaining to the receptionist I am a victim of fraud agai with their bank
Consumer complaint received 2017-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (TX)

On my  Wells Fargo Visa card. I was charged a Minimum Interest Charge of {$1.00} on a balance of {$4.00}. That is an annual interest rate of over 250 %! This far exceeds the quoted interest rate on the card of 21.90 %. I believe that the company has made a false statement since their Interest Charge Calculation on the very same bill makes no mention of minimum interest charges. Please help stop this deceptive and unfair practice. There is no reason why a card should be permitted to have a minimum interest charge.
Consumer complaint received 2018-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

XXXX  XXXX XXXX and Capital One is showing as OPEN and MANAGED BY A DEBT AGENCY. This program was canceled, Capital one and XXXX was notified that I was no longer in the program. I pay my payments DIRECTLY to XXXX as well as Capital One monthly and have also contacted them via telephone in regards to these issues with NO RESOLUTION.
Consumer complaint received 2018-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

In 2017, due to identity theft, account compromise, fraud, this account, was closed, the new account create was using a different name, as it references the information that I was given to correct this concern/issue. However, recent reviews of each of the credit reporting agencies, XXXX, Equifax, and XXXX, each of these accounts year to date credit reporting ends in 2017. There appears to be no credit reporting since 2017 on or for most of these accounts that are reporting to each of the three credit agencies.

May I ask how this can be corrected immediately? Some reporting companies are reporting inaccurate information as well. It is important to note that I have a contract on some property, and an agreed upon mortgage, it is requiring a large down payment. These errors are significantly impacting each of my credit scores. Can you or will you assist me in resolving these concerns, in a timely manner, I do not want to lose my contract, I really would like to be a home owner. This occurs each time, I attempt to purchase a home. Thank you in advance for any consideration that can be given.
Consumer complaint received 2018-05-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have had a very difficult time with Bank of America. I have been trying to get a loan modification for the past year. Bank of America is refusing to let me be reviewed for a modification based something that happened 11 years ago. When I got this loan I went through Countrywide. At the time I did not know how fraudulent they were. Bank of America is stating that because of something that happened on the origination on this loan, I can not have a loan modification. I dont even know what it is, and Bank of America will not tell me.

Countrywide was a very criminal and fraudulent company. In my opinion, they were a major cause of the mortgage crisis. My loan officer lied to me and mislead me on several occasions. By the time I realized this I lost a couple of homes to foreclosure. They were a very very bad company.

I am now being held responsible by Bank of America for the criminal activity of Countrywide, and I believe this is unfair!

I am not a loan officer, I am not sure what he did!
Consumer complaint received 2018-05-30
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

A credit card with XXXX ( XXXX XXXX XXXX, XXXX XXXX, MN XXXX ) was opened in my name without my knowledge or consent. I never filled out an application ... i had never even been on their site. When I received their credit card in the mail, I not only immediately checked my credit report and put out a fraud alert, I also contacted XXXX directly. I had to leave a message with their customer service department because the fraud department was unavailable. Approx. 2 weeks later, I received a letter in the mail stating that the account was sound ... meaning they didn't ' find anything fraudulent about it and left the account open. I immediately contacted XXXX again, and they said because the information ( except for the email address ) was correct there was nothing they could do. I again informed them that I didn't open the account, obviously my information had been stolen. They didn't seem to care because they said there was nothing they could do. I instructed them that they needed to close account, which they did but they reported back to the credit bureaus that the account was accurate. So, now my credit report is inaccurate and i still have no idea how this account was opened. They never provided me a copy of the credit application that I supposedly filled out and signed. I am in the middle of a bankruptcy and am unable to apply for any type of credit at the moment, which is why I am 100 % certain I didn't apply for this card. I have no supporting documents because I never filled anything out. All the information i have is from XXXX. I have submitted a complaint with the XXXX XXXX XXXX for this exact same issue. I want this to be reflected correctly on my credit report ; which is that the XXXX account is a fraud account.
Consumer complaint received 2018-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (DE)

My account was closes last year, i just opened the credit cards for two months, and i pay the balance every month, and all of a sudden, my account got closed. I have been using other banks for several years, never get account closed from them.
Consumer complaint received 2018-05-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (OH)

I purchased a foreclosed home back is 2005 for XXXX. We could not get a conventional loan so we were able to get a stated income, adjustable rate mortgage. I remember the mortgage company telling me to say I made {$100000.00} a year so we could get approved, but I refused and they were able to secure it without my singing the documents. We opened an ARM with XXXX in 2005 for the principle amount of XXXX. We have made all our payments and our principle balance is still XXXX. that means we have only payed XXXX over the 13 year life of the loan? that's less then {$100.00} a month. We also received notification that our rate was increasing to 9.75 %. We don't understand how our interest rate could go up when the interest rate is at an all time low. We tried to refinance with XXXX mortgage. The underwriters at XXXX told us we didn't show enough income on our current taxes to qualify for a refinance?
Consumer complaint received 2017-06-08
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)

XXXX   is reporting  XXXX  negative amounts that are al l 7years o r more old.   I have spoken with them in prior months and they verbally agreed to remove them from my report to this date they have still not been removed. These accounts are as follow   XXXX    XXXX   XXXX   ... .30 day  late  XXXX   XXXX   XXXX  ... ... ...  ..30 day la te  XXXX  C  XXXX   XXXX   ... ...    Collection   XXXX  ... I have no idea who this company represents  XXXX   XXXX   ...  ... ... ... .Collection ... .rep  XXXX   XXXX    XXXX   XXXX   XXXX   who admits that the collection came to them with NO MONEY owed attached to it ... yet he claims that he is unable to remove it nor can he   XXXX    XXXX   XXXX   XXXX  and ask why he was sent my information  XXXX   XXXX   XXXX   XXXX  XXXX  XXXX
Consumer complaint received 2017-06-08
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. (IL)

Hi there, I disputed inaccurate information on my Equifax credit report twice in  XX/XX/XXXX  ( confirmation #  XXXX   ) a nd  XX/XX/XXXX  ( confirmation #  XXXX   ). It  was about unauthorized hard inquiries. I asked Equifax to provide a verifiable proof I consented to these inquiries via FCRA se ction 609 and 605 as well as the accuracy of them via FCRA section 623. I asked them if they have no proof of any or one, I would like these inquiries to be removed immediately. I received the results from Eq uifax and they didnt provide me with such proof and kept reporting those hard inquiries as inaccurate information. According to FCRA the following hard inquiries should be removed immediately : Creditor Name :   XXXX   XXXX   Date :  XX/XX/XXXX  Creditor Name :   XXXX   XXXX   Date :  XX/XX/XXXX  Creditor Name :   XXXX   XXXX   XXXX    Date :  XX/XX/XXXX  Thank you
Consumer complaint received 2016-08-16
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: WELLS FARGO & COMPANY (CA)

Describe what happened so we can understand the issue ... 
I did not give verbal and/or written permission for WFDS to pull my credit report on XXXX XXXX, 2016. Per Federal Credit Reporting Act this is an ILLEGAL act to make an " Hard '' inquiry which decreased my credit score on my credit report. When asked to show me proof of authorization this company could not provide it. This inquiry needs to be deleted from my credit report.
Consumer complaint received 2024-10-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America has charged my XXXX XXXX account {$XXXX} and I have no clue what this transaction is about. 

I am not a Bank of America XXXX. 

$ XXXX XX/XX/year> Business to Business XXXX Bank of America XXXX XXXX I tried to contact the Bank of America XXXX and also sent a letter in writing but they did not take my complaint over the phone and have not responded to my letter.
Consumer complaint received 2018-08-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WA)

XXXX XXXX XXXX reported that I failed to pay in XX/XX/XXXX on account that was closed in XX/XX/XXXX and included in my chapter XXXX bankruptcy. I disputed this information with Experian in XX/XX/XXXX and they responded back that the information reported on my report was wrong and they corrected it. The next day the wrong information was put back on my credit report. I then contacted Experian about the problem on the phone and they agreed they were in the wrong and would delete the information after a new dispute. Again they investigated the information and removed the negative mark, then the next day it was put back on my report. 

I believe Experian is now in violation of FCRA 611 ( a ) ( 6 ) ( B ) ( ii ) for reinserting this incorrect information, not once but twice.
Consumer complaint received 2017-06-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (TX)

My husband was a  XXXX  vet and we have been married 20 years. He refinanced the home and assured me that if he died I 'd have no problems with it because my name is on the deed. When I sent  Ocwen loa n servicing the death certificate and a legal inheradence paper they still would not put my name on the title. I have never been late and my name is on the taxes for the home but they send the bill reading the estate of  XXXX   XXXX . I told them to put my name on it now. I have a paper with a notary signature of inheradence. That they asked for and I sent it to them. What should I do. I 'm a widow and I ca n't afford lawyers to help me. I just want to make sure the home is done right so I can make out my will. I am currently on payments and lived here for 20 years
Consumer complaint received 2016-08-16
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I had a credit cards previously that were charged off. I filed bankruptcy in 2013 that discharged all of these debts. Portfolio Recovery Associates is now trying to collect on one of those debts even though all were included in the discharge. I have sent them a letter telling them to stop calling me but they keep calling.
Consumer complaint received 2017-08-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NC)

I have called Navient in an effort to pay off any and all late fees. They have assured me that there are no late fees on the account, however, it is still showing on my credit report that late fees are being charged.
Consumer complaint received 2018-08-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Credit Control (CA)

Monday XX/XX/XXXX I received a phone call from a person at Continental Credit Control informing me she was a collection agency attempting to collect a debt on behalf of XXXX XXXX  from XX/XX/XXXX. I informed her we had not ignored any bills and pay everything immediately after we receive them so there can't be a past due bill. I requested she send me an itemized statement so I can see what she's talking about. She claimed notices had gone out to My address with no response. I told her no way, nothing has changed for me, and I have not received anything from them. When I arrived home in the mail was a notice from Continental Collection Agency in the amount of {$160.00}. There was a ten percent interest charge included in the total of {$35.00}. I immediately called my insurance company to see if they paid the claim back in XXXX thinking maybe I misplaced the EOB and never received a bill. My insurance, XXXX has never been billed for the service either. They even checked to see if the claim was sent and rejected it for some reason and they never sent it again. There is no record of this service with my insurance at all. More perplexing is how XXXX XXXX/XXXX came up with a charge for the service since they are an in network provider with XXXX and they would bill me the difference of the contracted price based on my plan after XXXX paid. Even the XXXX claims specialist said it's impossible to speculate exactly what this amount would be without an actual claim. When I called Continental Credit Control to explain they need to bill my insurance and then bill me the difference of the contracted price, I was informed they don't deal with insurance companies. I explained I understand this but clearly XXXX XXXX has made a mistake. I was told to write an appeal and send it to them and they'll consider it. Otherwise it will go on my credit. 

This is wrong. I've spent the entire afternoon on this. 

Thank You
Consumer complaint received 2018-08-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HOVG, LLC (TX)

I have contacted XXXX XXXX credit regarding accounts XXXX IN THE AMOUNT OF {$2000.00}, XXXX IN THE AMOUNT OF {$920.00} and XXXX IN THE AMOUNT OF {$2000.00} on 4 different occasions thru certified mail asking to verify that I owe their company any funds and for what. Ive also ask for anything bearing my signature that verifies I have obligations to pay them or have had any business dealings with them. Yet they have failed to validate according to law. This collection company is damaging my credit file and cant provide legal proof. I have not had any dealing with XXXX XXXX or XXXX XXXX XXXX whom they represent. I have not given any companies authorization to share any medical information either. This company is in violation of HIPPA.
Consumer complaint received 2018-08-07
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (FL)

Closing my credit account for no legitimate reason and lying about it. My account was closed around XX/XX/2018. The only way I knew about it was checking my account online and it stated account closed. After finding out, I contacted Home Depot there after in the same month of XX/XX/2018. 

I had a Home Depot credit card with a {$5000.00} limit and the account had less than {$100.00} balance. I have consistently for years either paid the balance off each month and or paid on time more than the minimum payment in advance of the payment due date. 

I went into my account on line to check my account and found the statement Account Close. A surprise to me.

So I called Home Depot to find out why. They lied and told me some one call them and close the account. I asked them who close the account. They said they didnt know.

Another call to Home Depot. I asked again how did this happen and again asked who closed my account. This time they said I closed the account. I told them that I have never called Home Depot credit before and the fact that I had not closed my account.

Thought about this and wondered what was really going on. So I called back again.

This time they said they couldnt reopen a closed account that I would have to apply in the Home Depot Store all over again. So like a dummy ( because my gut told me something else was going on here ) I went into the Home Depot store and re-applied at which time I was told I had to call Home Depot credit office.

So I went out to my car and called Home Depot Credit office to find out what the problem was. The representative said it was a credit issue with the credit bureau.

Please note here that I have a clean credit report on all 3 credit bureau reports. In simplicity, I have always paid all my credit accounts either on time or in advance and paid more than the minimum payment. 

I called the Home Depot credit office again. I asked them to investigate who closed my account because I hadnt. They said Id need a police report? A bit puzzling.I asked what do I need a police report for? Then asked what does the police report need to state? I got no answer to that question. Then they pretended they couldnt hear me and hung up on me. 

I called the Home Depot Credit office back again. This time I asked them to prove I closed my account. They hung up on me.

I called the Home Depot Credit office back again. This time I was sent to some voice message and could get them on the line after all this. 

It appears they closed my account because they wanted to not because of me or anyone else and lied to me about it. 

Bottom line is, they closed my account for no legitimate reason and lied about it. 

They had no legitimate reason for closing my account and I want the Home Depot credit account reinstated with the same terms and limit it had before they closed my account.