davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-09
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (KY)

I borrowed {$3500.00}, 24 month same as cash. Regency Finance set the payment due to {$140.00} per month, however at that amount I would need to pay more than the payment due, or pay for 25 months. They never informed me I would need to pay more monthly to satisfy the 24 month contract. They then assessed finance charges and interest because it was not paid in full within the 24 months with the monthly payment they set forth. This is deceptive and a fraudulent scam to trick the consumer to being XXXX payment shy of payment in full. Shame on you Regency.
Consumer complaint received 2024-10-10
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. (NJ)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Unauthorized inquiries : XXXX XXXX XXXX XXXX
Consumer complaint received 2016-06-06
Product: Credit card — 
Issue: Rewards — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

After accumlating more the XXXX points with Bank of America, I completed the online process to trade points for a {$25.00} prepaid visa in XXXX XXXX. As of this date, the card has not arrived. 
Between XXXX XXXX and XXXX XXXX I called Bank of America at least 5 times. I had to sign an affidavit that my complaint is valid and I did not receive the card. I was promised the card would be sent during at least XXXX of those XXXX calls. I have requested a copy of the original application for the Bank of America Card from XXXX when I first applied. The request has been ignored. My payment record is excellent. My XXXX score was low XXXX 's when last I checked. I do not understand why Bank of America would dog me out after 16 years. My current balance is less than {$20.00} - I have had balances in excess of {$13000.00} Can you help me get my {$25.00} gift card or have my XXXX points put back in my account. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2016-05-01
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (AL)

This company, National Credit Adjusters, keeps calling me and my family members. They are telling my family that I 've skipped out on a debt owed and they need help locating me. That 's embarrassing, plus when they tell them to stop calling, NCA, informs them that they have every right to call and will not stop until they locate me. I 've talked to NCA and informed them that I 've already paid the debt to the original debtor and I have proof. The person I spoke with said to send it to them and I did. He gave me the email address of XXXXXXXXXXXX. I have documentation of that as well. After sending him the information, I told him to stop calling me and my family and he said he would document it. But the calls have not stopped.
Consumer complaint received 2016-10-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I 'm a victim of Identity Theft. I submitted a Victims FTC Affidavit ( XXXX ) along with a Police Report ( XXXX Police Dept - Report Number ( XXXX, Officer XXXX - Badge # XXXX ) and spoke with Supervisor XXXX XXXX with TransUnion who stated that he could not accept my information because there was payment history made on fraudulent accounts. I stated that some of the accounts that were being investigated had large balances : For instance there are XXXX child support cases with balances of XXXX, XXXX and XXXX equaling {$190000.00} so how in the world does this show positive payment history. I also explained that my son and father also share the same name. In closing per the FTC if a victim of identity theft submits and affidavit and police report that the Credit Reporting agency must comply and block those accounts within 4 days. Transunion is refusing to follow the laws put in place to protect consumer rights.
Consumer complaint received 2016-09-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (CA)

Please help me understand why CFPB does not come up with a standard program to cure the XXXX Loans rather than give so much discretion to Wells Fargo Bank N.A . which usually leans on getting as much as possible from the homeowners. XXXX. 

We all know - '' Millions are victims of wrongful foreclosures. Loans during the housing bubble were repackaged into securities and sold on XXXX XXXX putting the true holders of mortgage debt into question. The entity Wells Fargo that is trying to foreclose has no legal standing to do so. There is of course something the banks want no one to know - but the public knows. '' According to a deposition taken by an employee at Wachovia, there was never a transfer of notes from World Savings to Wachovia, just a name change and no real merger or transfer ever took place as XXXX, still has custody of all original notes XXXX See : Page XXXX, lines XXXX, Page XXXX, lines XXXX, Page XXXX, Lines XXXX. 

Wells Fargo fabricated paperwork in mass to prepare for bogus foreclosures : XXXX Since XXXX is now a defunct organization, Wells Fargo is a pretender Plaintiff and has no standing to foreclose as the note could never have been assigned to them since it was securitized and sold to a XXXX XXXX XXXX and Wells Fargo are mere debt collectors or servicers of the loan, and hence have no legal standing : See : In re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage Servicing XXXX Wells Fargo Bank, Bankruptcy XXXX XXXX XXXX XXXX XXXX, 2010.
Consumer complaint received 2017-02-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Fl XXXX XXXX Account was paid in full and was deleted but was reinserted.
Consumer complaint received 2016-10-27
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Core Advisory Group, LLC (MT)

I received a very official looking sealed letter that said final attempt and when I opened it, I was informed that I might qualify for a very low interest rate and to contact the phone number provided. So I called them approx XXXX XXXX and talked to XXXX from Core Advisory who ask me a few questions and then told me he would get back to me within 24 hours to see if I qualify. The next day he called to inform me that I qualified and that they have 100 % success rate against XXXX. That they would be able to get me into a 40 year 2 % and help me get my divorced wife off of the note. They would take either XXXX payment of {$4000.00} or XXXX payments broken up into {$2800.00} + {$1900.00}. I checked out their website and listened to many of the testimonials on that site, and was sold on their services. I agreed to have a notary come to my house on XXXX XXXX to sign paperwork explaining that they would get started right away and that it would be faster and cheaper to pay the full {$4000.00} up front. Plus a {$160.00} notary signing fee. I was told that they could stop my pending foreclosure on XXXX XXXX, within XXXX to XXXX weeks after I sign the contract. I received a call and email was ask for my XXXX account number a week later by phone, I was told by XXXX that she should be getting paperwork back from XXXX within a week. While XXXX weeks went by I found out that there is all kinds of free help online and that Core Advisory is not licensed XXXX, along with all kinds of complaints and even a judgement XXXX. Then I researched even more and found out that it is illegal to take fee to restructure or modify a loan. This prompted me to request a refund and after several requests they finally understood I did not want to be sold on using their services any longer. Then they sent me paperwork for supposedly requesting my money back but it listed a company whos registration had expired. This prompted me to file this complaint, as I can see by the wording of the document and the complaints I have read about Core Advisory group services. They are not a legitimate company and do not have the proper credentials to help me with my situation.
Consumer complaint received 2016-10-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (IA)

Freedom Mortgage does not document my current escrow balance. My loan originated with XXXX Mortgage and had been serviced there for 3 years prior to being sold. Freedom Mortgage does not reflect on their website or my monthly statement what my current escrow balance is. I am not provided enough information to determine what it is either. There is no starting balance for the year or disbursements for the year. Only the amount paid in for the year is shown. I have no way of knowing for certain how much of my escrow money Freedom Mortgage holds. I was told that I could call to get that information. I have done that several times and the reps are not very helpful. They just state the amount that I have paid in for the year.
Consumer complaint received 2023-08-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2016-10-05
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: ACS Education Services (GA)

I have been a XXXX. I have a consolidated loan with ACS stemming from my XXXX years to my XXXX to a XXXX. Over the years, I have had an extremely tenuous relationship with ACS. Many times, they have overbilled my monthly payments from {$300.00} - {$2900.00}. Consistently I have given ACS information about my income paying what I can. I might get two or three payments underway and then all of a sudden, an exorbitant monthly payment increase ; of course, I would not be able to pay - essentially underpaying, and then as a result, penalties accrue. I contacted XXXX XXXX, the mother company of ACS, the latter part of XXXX, and had ACS work with me regarding a reasonable amount. This past several months has proved to be no different ; I applied for an IBR income sensitive application at the time XXXX XXXX, and I was paying every month {$72.00} every month since then including the last payment was XXXX XXXX, XXXX. Lo and behold, I log into ACS Sunday XXXX XXXX to make another payment and again, I was being billed {$2900.00}. The website would not allow me to make my monthly payment that I had been making throughout the year. I have no idea what is even my real principal balance at this point. There have been so many years of late accruals and I have gotten deferments, but it has been a vicious cycle to always not being able to pay my loans. Please, Please, Please I am begging you to help me ; I am so tired having to fight this exhausting battle. I have been in XXXX for so long and worked for XXXX for over 10 years. I have dedicated my life to XXXX and to give ; XXXX is my passion and gift. I feel like I am being penalized for this because ACS has denied my chance to have my loans forgiven previously.
Consumer complaint received 2017-02-06
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (FL)

Hello there, In XX/XX/XXXX I used my American Express card to purchase XXXX dollars worth of American Express gift cards from American Express. I have never received them. I have contacted AMEX to cancel the order, resend the order, or dispute the change ( I have tried all three routes ) and long story short they keep sending me a form letter response encouraging me to speak to the merchant directly. Unfortunately for me, the merchant in this case happens to be American Express. I have my emailed receipt from American Express, signed by American Express Customer Care, which all clearly indicate American Express is the merchant in question. When I call the American Express XXXX number and speak with someone they understand the issue and tell me they will resolve it quickly, but then I keep getting the same form-letter response via email.
Consumer complaint received 2016-09-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (NJ)

NELNET is reporting student loan late payments on my credit report that is not accurate. Everytime I dispute with the credit bureaus, it comes back verified. When I dispute diresctly with NELNET, I never get a response. Just proves that no real investigation was ever done. This is a violation of the FCRA. 

Account Number : XXXX Negative Information Being Reported : 120 days past due XX/XX/2014, XX/XX/2014, 150 days XX/XX/2014, 180 days XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014 Account Number : XXXX Negative Information Being Reported : 120 days past due XX/XX/2014, XX/XX/2014, 150 days XX/XX/2014, 180 days XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014 Account Number : XXXX Negative Information Being Reported : 120 days past due XX/XX/2014, XX/XX/2014, 150 days XX/XX/2014, 180 days XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014 Account Number : XXXX Negative Information Being Reported : 120 days past due XXXX, XXXX, 150 days XX/XX/XXXX, 180 days XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014 Account Number : XXXX Negative Information Being Reported : 120 days past due XX/XX/2014, XX/XX/2014, 150 days XX/XX/2014, 180 days XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014 Account Number : XXXX Negative Information Being Reported : 120 days past due XX/XX/2014, XX/XX/2014, 150 days XX/XX/2014, 180 days XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014
Consumer complaint received 2023-12-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Kiavi, Inc. (GA)

On XX/XX/2023 we had an appointment for a home appraisal. Our XXXX said he's been in the business for over 25 years. 

He said he'd get the appraisal back to us in XXXX days. 

XXXX days later we received the appraisal report from our lender and I found so many inaccuracies and errors! Due to the low valuation, our lender said we would need to bring {$28000.00} to the closing table! 

Before we renovated the home, XXXX estimated the XXXX to be {$200000.00} but the XXXX gave us a value of {$160000.00}!!! Almost {$60000.00} less!! 

I knew something was wrong so I looked at all of the comp homes used in the report and there were homes on the XXXX XXXX as our home, but not used in the comp! He used homes that weren't even finished yet, homes with an incorrect address and just on a different renovation level for ours. 

I wrote up a report and asked for an ROV. They reappraised the home at {$190000.00} which meant we still had to bring money to the closing table..about {$7000.00}. 

However, I believe the home would have appraised for the amount they agreed to {$200000.00} which would have meant our equity would have covered our closing costs. 

I'd like someone to investigate this company because it cost us about {$7000.00}.
Consumer complaint received 2016-06-03
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (NY)

I 'm always paying my balances with Chase freedom in full, and never had intention to pay late or not to pay. I 'm monitoring my credit report constantly, and recently found out that Chase Freedom Credit Card placed negative information on my credit report, stating that I was over 30 days late with my payment of {$78.00}. I recently moved, and did n't receive billing statements from Chase to my new address, and was n't aware of the payment due. 
I notified the post office about my move, but never received anything from Chase. 
I know that before placing my account in past due status, and reporting to Credit Bureaus, creditors usually try to contact clients by phone and or email. Chase Freedom has both : my phone number, and email, but never tried to contact me. When I found out about negative info on my credit report, I immediately contacted Chase, and paid full balance to them. I asked them to remove negative information from my credit report, but they said that they will credit me the late fee, considering my excellent paying record, but refused to remove negative information from my credit report. I feel that Chase made an error by not contacting me using other means available to them, and need to fix it by retrieving the negative entry from my credit report. 
I 'm in the process of applying for loan, and this negative entry reduced my credit score by XXXX points.
Consumer complaint received 2017-02-22
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (FL)

I have reached out to chase and have spoken with several representatives regarding the removal of fraudulent charges not being credited back to the account as well as other fraudulent charges. When I removed the unauthorized user from the account on or before XXXX/XXXX/XXXX. I was contacted by XXXX representatives by the names of XXXX and then XXXX. only to be accused of having knowledge of the unauthorized charges. Chase has refused to credit me back any and all monies regarding to the fraudulent use on the account nor update the balance to reflect that the charges have been removed. I have been trying to get chase to right their wrong for years and they have taken no interest nor action to do so. Why should I be held reliable for the fraudulent charges when I did n't make them. You did not address the following as I previously requested : Here are the additional fraudulent items that were charged after XXXX/XXXX/XXXX which were never addressed : 1 ) XXXX in XXXX Ohio on XX/XX/XXXX and XXXX/XXXX/XXXX the one on XX/XX/XXXX was credited back but not the other. 2 ) there are XXXX charges for {$7.00} for the fraud detector on XX/XX/XXXX and XXXX/XXXX/XXXX can you tell me why i was charged twice in the same month 3 ) XXXX on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, I cant recall this charge as well 4 ) the over the limit fee 's that XXXX incurred after XXXX/XXXX/XXXX due to the fraudulent charges. If you can address these as well I 'd greatly appreciate it.If you need to speak to me please contact me at XXXX Sincerely, XXXX XXXX
Consumer complaint received 2016-10-26
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY (FL)

I opened a charge account at Dillards and the account is managed by Wells Fargo Bank , N.A . I paid the very first statement in full by mail. Wells Fargo Bank failed to credit the account for the first payment. The second account statement arrived in today 's mail They are charging me a late fee of {$27.00}. I phoned them today and wrote them directing them to close the account. I ca n't believe how dishonest Wells Fargo is. I would like to know how many people they did this to. I can not possibly be the first. They have undoubtedly done this to thousands of other people.
Consumer complaint received 2023-12-06
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I was given a 0 % interest offer from Capital One. I checked my statement in XXXX and it still showed 0 % but when I checked the statement again for XXXX it showed XXXX % percent APR and an interest fee of {$730.00}. I called capital one and informed them that I was not notified on my XXXX statement that my interest rate was changing and didnt feel that its right to change my rate without communicating it in my statement. They said there is nothing they could do to make it right. There should be a law that companies have to notify the consumer within 30 to 90 days prior to a XXXX percent APR offer expiring.
Consumer complaint received 2016-10-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ALLY FINANCIAL INC. (IL)

The phone rings 2 to 3 times a day, using different numbers on the caller ID looking for XXXX XXXX. When my mother finally spoke to some one asking for XXXX XXXX, she said no XXXX XXXX lived here then they asked for XXXX XXXX, again my mom said there was no one by that name at this number. The called said OK, thank you and hung up. The next day we receive a call showing ANOTHER TOLL FREE number on the caller ID looking for XXXX or XXXX XXXX. THIS is in reference to Ally Bank. No one in my family does business of any kind with Ally Bank. So far I see 3 different phone numbers being used.
Consumer complaint received 2024-10-10
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. (AZ)

I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX