davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

there are XXXX accounts on my credit report XXXX- XX/XX/XXXX mortgage loan .. closed short sale- bank agreed not to report. 
XXXX reported XXXX XXXX XXXX balance O .. from 13 years ago.. creditor closed my account was never late. 
XXXX/card- bal o reported 11 years ago XX/XX/XXXX card was stolen .. closed still on report. never late. 
Transunion and XXXX reporting these accounts. they need to be removed..
Consumer complaint received 2015-07-17
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America. I called bank of america to settle a debt and wanted the letter of the settlement faxed over in order to clear the debt due to the fact I am purchasing a home and it is time sensitive. They were unable to fax a letter and when I was finally able to get them to fax it, it would take 24-72 " Business Hours '' for a fax. The representative said that their supervisor did not want to take the call. They were there the whole time and refused to take the call. Spoke to XXXX XXXX, XXXX XXXX, and the supervisor who refused to take the call was XXXX. 24-72 business hours, meaning that I would have to wait the entire weekend to receive a fax is ludicrous and ridiculous. A fax takes 5 minutes to send but they refused to meet my request. Horrible experience and horrible customer service. Bank of America is the worst bank ever. Their representatives talked over me and flat out said they will not help me and were not going to do anything. Do not bank here!
Consumer complaint received 2015-07-19
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XXXX XXXX XXXX - Failure to disclose my investment account ( s ) from XX/XX/XXXX '' I '' XXXX XXXX XXXX have Assets, Investments, Securities and other personal and real property and co mingled Personal Fortunes. This includes Cash, Jewelry and other Assets which are stored in XXXX XXXX Bank XXXX XXXX, XXXX Bank XXXX XXXX. XXXX Bank ( formerly XXXX XXXX Bank of XXXX ), XXXX XXXX, XXXX XXXX XXXX XXXX in XXXX to XXXX Safety Deposit Boxes. The City of XXXX, various Federal and State of XXXX and XXXX. These Entities should have Vested interest when these Boxes are opened as they are included in shares of the wealth of my Personal Fortunes as described with other additional instructions and information left in the Boxes. My sister XXXX XXXX XXXX, now of XXXX, XXXX was granted access under certain Terms and Conditions and has shares of the Assets if she performs per the signed Agreement. This was Signed in XX/XX/XXXX and the Agreement authorized by all Parties. This and other Agreement meetings were held from XXXX through XXXX of XX/XX/XXXX at XXXX XXXX Bank in XXXX, XXXX. As best as described, a " Letter of Performance of all Parties '' was left with XXXX XXXX Bank XXXX XXXX, all Parties, Myself-XXXX XXXX XXXX and XXXX XXXX XXXX have to be present when " I '' XXXX XXXX XXXX or XXXX XXXX XXXX or other Parties initiate the opening of the Boxes.
Consumer complaint received 2015-11-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: WELLS FARGO & COMPANY (TX)

I got a letter in the mail today then 5 minutes later called the sender XXXX. XXXX. The letter was signed by XXXX XXXX, XXXX XXXX. I spoke with XXXX XXXX. She said I wrote a bad check to Wells Fargo sometime in 2008 in the amount of {$1000.00} and I now owe XXXX. XXXX {$2700.00} because they were retained by Wells Fargo. She also stated that I performed malicious intent to fraud a banking institution. I use to have a bank account with Wells Fargo, but they never paid a bad check and that account was closed in 2008. I got a similar call about 4 years ago and contacted Wells Fargo, who stated that they have no record of me owing any debt to them. I have never received any correspondence or calls from Wells Fargo regarding me owing them any money, which is what I told XXXX XXXX. I see that this company has in the past used a different number and other complaints with almost the same scenario as mine. I have no record on my credit report showing an outstanding debt with Wells Fargo. The letter and XXXX XXXX stated that further legal action will be taken if I did n't not settle this debt. I told them I would seek legal representation if I needed. Why should I have to pay money for an attorney on something I know I do n't owe.
Consumer complaint received 2016-03-18
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (VA)

I have been charged interest twice when I paid off an account before the end of the statement due date. ( Chase Card ) EX : I owed {$10000.00} due XXXX XXXX I paid XXXX in various amounts before the due date. 

I was charged interest of {$64.00} Upon calling the supervisor to ask about this I was told this was residual interest from a XXXX statement that I owed. I then asked what I then owed and was told {$980.00} and they would give me {$6.00} + in credit and redeem my earned points. I paid the XXXX that the supervisor told me I owed before the due date of XXXX XXXX anbd when I called the bank today to make sure I had a XXXX balance there was yet another interest charge of {$35.00}. I called a supervisor again today and XXXX the supervisor told me it was residual interest since I talked to XXXX the supervisor on or about XXXX XXXX. 

I thought you could not be charged interest if an accont was paid off in full before the due date.
Consumer complaint received 2016-03-20
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (MD)

Re Home Equity Line of Credit with SunTrust Bank We purchased our home in XX/XX/XXXX. The mortgage and a Home Equity Line of Credit ( HELOC ) were financed by SunTrust Bank. In XXXX XXXX we refinanced the mortgage. In XXXX XXXX we increased the HELOC ( both still with SunTrust Bank ). 
XX/XX/XXXX I merged the mortgage and the HELOC into XXXX loan financed by XXXX XXXX. Therefore, both the mortgage and the HELOC with SunTrust Bank were paid off in full. On XXXX XXXX, XXXX, a " Certificate of Satisfaction '' for the mortgage was recorded in the Land Records for XXXX County, Maryland. A " Certificate of Satisfaction '' for the HELOC has never been recorded with XXXX County. Any title search now will seem to indicate that the HELOC has never been paid off. A " Certificate of Satisfaction, '' which in effect is my receipt, recorded in XXXX Country would eliminate this problem. 
I received XXXX letters from SunTrust Bank ( dated XXXX XXXX, XXXX and XXXX XXXX ) informing me that the HELOC had been paid off and that the appropriate information had been forwarded to XXXX County ( letters attached to this complaint ). However, XXXX County has no record of ever receiving this information. 
I have sent XXXX letters to SunTrust Bank. The XXXX one was dated XXXX XXXX, XXXX. The XXXX was sent via certified mail on XXXX XXXX and received by them on XXXX XXXX, XXXX. I have received no response.
Consumer complaint received 2015-12-29
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

I saw an inquiry on my XXXX credit report from CASH CENTRAL. I have never done business with this company in any way. I call to find out about how the inquiry was initiated, and they said that they received information from 3rd party providers that collect credit information, and based on that they initiate hard inquiries to offer credit. 

As I understand it, this is illegal, either by CASH CENTRAL initiating an inquiry without my consent, or by the so called " 3rd party '' that submitted the information to them. Of course, when I contacted CASH CENTRAL they were unwilling to provide any details about their procedures or who this 3rd part might be. 

All I can say is that I did not initiate a credit inquiry and one either CASH CENTRAL or the other party involved must be doing something illegal by requesting credit in my name.
Consumer complaint received 2016-03-19
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (KS)

DONT BANK AT US BANK, THEY ARE FRAUDS. Bank returned items ( or held items ) when they where a debit purchase and should of came straight out of your account. I had a Target purchase for XXXX dollars and sufficient funds over a XXXX. They returned items so in a week it could come back and overdraft my account. Also they overdraft my account on items that cleared with sufficient funds. Then turn around and charged me again for an extended overdraft. They are crooks, and need some to investigate them. They are rude, mean, and do n't give a XXXX about there customers or helping them. When I went to close the account they would not let me have any documentation to proof I close the account. They said they have to get with there legal services. XXXX!!! All banks give you documentation, or something to say it is a closed account.
Consumer complaint received 2015-07-17
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NJ)

On XXXX XXXX XXXX XXXX from Wells Fargo called me and left me a voice message advising me that he is sending Wells Fargo 's resolution as their response to my complaint to your office and on XXXX of XXXX I received his response from you via email. In his message he asked me call him if I had any questions so that we could discuss it. I have called his XXXX different days and left him a voice massage today that it is 5 business days after my call ( s ) he still has not responded. In his voice message he indicates & advises the customer to leave him a message and that he would return the call within 24 hours or One Business Day. Even his voice message is not based on honesty. 
I am filing this complaint because he has left me in the air without returning my calls and ignoring my concerns. W.F. is trying very hard to get my house foreclosed and have not cooperated an inch in the entire time nor wanting to help. Only with a logo of " We are here to help '' ( help whom, themselves or the customer?? ) a pretentious way of fake identity. 
Please contact this abnoxious man and ask him why he is not following the rules or any laws? Plus he did not acknowledge or replied to my concerns in my previous appeal. The only reason I can think of is because he has absolutely nothing to say in favor of Wells Fargo and he can not tell the truth either. 
I will hire a lawyer to sue Wells Fargo if they do not cooperate and help me save my house. His phone no. is : XXXX Ext. XXXX. 
Thank you, XXXX XXXX
Consumer complaint received 2015-11-12
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: MAS FINANCIAL SERVICES, INC. (NJ)

Loan payment is due on the XXXX of each month late after the XXXX. I receive robo calls and phone calls 2-3 times daily after the XXXX of the month harassing me to make payment when in fact the payment is in the mail. They want you to pay over the phone and ad a fee of {$25.00} to process it. The loan is almost 12 months into it with 36 to go. I told them to spot harassing me and that if they have not received payment by the XXXX feel free to call with no relief.
Consumer complaint received 2016-03-21
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One is reporting late payments on an account I have with them. I 've requested they show me where I was late by providing with proper statements etc. They continue to pass the buck claiming its my responsibility to provide them with records. I 'm not the one reporting the information. I would like the late payments being reported updated to a positive status & the negativity removed.
Consumer complaint received 2016-03-20
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Exeter Finance, LLC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX dob XXXX/XXXX/XXXX SS # XXXX EXETER one has agreed to remove the unauthorized inquires from my XXXX report. I did not apply and have no credit with these people. 

EXETER XXXX/XXXX/XXXX my id is attached please verify my signature
Consumer complaint received 2016-03-19
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (MT)

Repetitious phone calls that are intended to annoy, abuse, or harass you or any person answering the phone They call at all hours, including early morning and late at night. This debt is over XXXX years old and no longer reported to consumer credit. I also received a notice from the debt collection company saying they would continue to try to collect the debt even though they could not sue me. The original debt was {$500.00}. With all of the fees it is now up to {$1600.00}. I am currently on unemployment, live in a rural area and am unable to pay this debt. The debt was incurred when my husband was passing of XXXX XXXX and it was used to help with expenses. In 2008 I lost my teaching position due to cut backs and have had a difficult time financially since.
Consumer complaint received 2016-02-12
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Forster & Garbus LLP (NY)

I received a phone call at my place of employment from someone who identified them self as a XXXX XXXX at XXXX who was trying to collect a debt. This is the first contact I have had with this party and have received no mail etc I do not know the name of the company and I have no address to send a letter to request a verification of said debt. I do not want to be contacted by phone at work or at home and would prefer email contact. I need verification of said debt and original creditor and any supporting documents.
Consumer complaint received 2015-06-30
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Harley Davidson Financial Services Inc (CA)

I purchased a Motorcycle using HDFS in XX/XX/XXXX. During my loan obligation of XXXX months, I had several months when the loan was late. In XX/XX/XXXX I received a deferment and was told I would need to pay anadditional month at the end of the loan. After regaining a positive payment record during the last XXXX months of the loan, I came to the end of the loan and inquired as to how much interest remained due tolate payments. I agreed with the amounts and asked SPECIFICALLY " Do I continue to make payments as usual? '' and was told " YES ''. Despite specifically inquiring about due dates and payment terms, XXXX was notified of a mandatory " LUMP SUM '' Payment XXXX I received a late mark on my credit report. When I asked the customer service representative as to where in my contract it stated the " LUMPSUM '' balance was due, there was none. When I asked about the XXXX month extension I received during my deferment, I was told by a supervisor " I 'm sorry I do n't know, I cant help you ''. I expressed thenthat this is not fair credit reporting as I am making payments each month as I was advised to do, yet I am receiving added interest daily PLUS a late mark on my credit. A company should properly discloseto customers what they are being charged for, when it is due, the amount due and dates due by. XXXX XXXX was called to confirm next steps and failed to provide accurate information, continued totake payments yet reported to the credit bureaus as late. The male supervisor guaranteed the terms where spelled out clearly in my contract and I later spoke to a female supervisor who stated XXXX that it was n't. My credit is ruined and even after the long history was told " Common sense should have told me it was all due in XXXX ''. I do n't deserve to be insulted and this is business. 
Professionally I would like this resolved. I have made the payment of the balance in full and am demanding my credit file be updated to reflect what I as a consumer was told by the finance company I trusted.
Consumer complaint received 2016-01-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: The Law Offices of Gerald E Moore & Associates, PC (IA)

I have a debt with an apartment community and had called the agency listed on my credit report. They told me that the account had been transferred to an alleged law firm. I attempted to contact this law firm to resolve the issue and was immediately questioning whether or not they were legitimate. I performed research on them and had found legal action taken against them, multiple complaints on the XXXX website, and many persons stating they were not legitimate. Thus, I contacted the firm about the issue and never received any real information on their practices or my debt. I asked them for a validation letter to be sent, but they never stated the address it would be sent to and did not disclose the information that would be on that letter, such as my rights under the FDCPA. Since my suspicion was risen, I contacted the apartments that I owe and they had stated that it was very strange for the account to be transferred to another agency and not be handled by XXXX XXXX XXXX, since they only deal with that agency and not Gerald E. Moore and Associates. A lady at the apartment had contacted XXXX XXXX XXXX to confirm that the account was still under their care and had notified me that it was, so I called them back and got the same answer, that the account had been transferred to Gerald E. Moore and Associates, apparently a company under the same umbrella as XXXX XXXX XXXX. I attempted one last time to speak with them about the issue and not one thing was resolved and no other information was given to me.
Consumer complaint received 2015-07-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Convergent Resources, Inc. (PA)

I had identity theft in 2013, and XXXX XXXX ( I 've never lived in GA ) charges were sent to the collection agency XXXX XXXX ( XXXX ). I filled out a police report, placed a fraud alert on my credit agency reports, and completed an Identity Fraud packet for XXXX. The debt was settled with XXXX group. They were very helpful. Now, 2 years later, I am receiving calls and letters from Convergent Outsourcing, attempting to collect the same debt ( but in a different amount ). 

I faxed and mailed Convergent all my supporting files from the previous experience with XXXX but only those with my address and no other info. A phone rep told me she considered it settled, but mail keeps coming from them asking for the debt.
Consumer complaint received 2015-12-28
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Ref : Capital One Bank Credit Account # XXXX I contacted Capital One 's fraud department via phone on XX/XX/XXXX to inform them of multiple unauthorized charges on this account from vendors I did not recognize. I was told an investigation would be opened and I would be sent an update in writing. 

It is now XX/XX/XXXX and not only have I not received any information in writing regarding this investigation, I now see multiple new charges from the same vendors on the card. I had paid my last statement balance in full ( including disputed charges ) on XX/XX/XXXX since I had not heard from Capital One and did not want to be assessed late fees or penalties. 

Capital One now informs me that it will take 1-2 billing cycles to resolve the fraudulent claims and that in the interim they will not issue credits. So due to the lack of efficiency of Capital One, the consumer, has to pay unauthorized charges. Not only that, despite me having flagged unauthorized charges from vendors, they continued to authorize charges from these same vendors despite the card number having being changed. The explanation for this is that XXXX has updated the vendor with the new card number. So, to sum up, despite me flagging a vendor as having made unauthorized charges on my account, Capital One has seen fit to go ahead and without my permission update the vendor with my new card number and then had the gall to actually authorize further charges on the card. 

This is a travesty of consumer rights. I did not give Capital One any permission to update vendors when my card number changes. In fact, I want quite the opposite. Why is this being done? Is this legal?
Consumer complaint received 2015-12-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (CA)

XXXX has been on my Equifax Report for over 9 years. This violates the Fair Credit Reporting Act which states 7 years only. Equifax removed it 4 months ago because XXXX continues to submit intentionally inaccurate information so they can re- age the Account. The past year Equifax has reported there has been no payment history for 81 months. If you add 81 + 12 that is over 7 years. In addition XXXX has claimed I made payments in XX/XX/XXXX and XXXX of 2015. I did not and the balance has n't changed in 13 years. Equifax continues to report XXXX even though they know all of the details are incorrect.
Consumer complaint received 2015-11-11
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Consumer Portfolio Services, Inc. (IL)

Took out a loan with Consumer Portfolio Services. They have been a nightmare, at best. If I am one ( 1 ) week late, they have illegally contacted family members, called me at work, manipulated their number in my caller ID to show the name of a family member. All of the above are illegal and immoral. In the year I have had the loan, I have never been behind in the loan, yet they harass me on a daily ( calling multiple times ) basis. My wife is not on the said loan, although after my phone rings ( with manipulated number, which is my brothers name ), they will immediately call her once I do n't answer. My mother is quite ill and for them to illegally manipulate the caller ID should call for a law suit in and of itself.These people need to be stopped in their tracks. They are predatory lenders and need to have a class action law suit filed against them and their practice ( s ). When people are paying their bills, they can not illegally call other family members, illegally manipulate caller ID, or call the borrower on his job. Please help. Thank you.