davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (OH)

When I initially applied for the Best Buy Credit card back in 2012 they added in a debt protection fee that adds an addition charge for every XXXX dollars financed. From my understanding the protection was disclosed in the application but not brought to my attention as i would have never purchased the debt protection. I discovered this back in XX/XX/XXXX when I paid off a large sum and was hit with a charge that I've never seen on my statements before for debt protection. Citigroup or the subsidiary was very helpful in terminating the protection. I attempted to previously get the funds reimbursed in total for over the XXXX dollars paid into the program but was returned that they can not due to me signing up and applying for coverage. I have attached the letter from the first attempt and also and example of a billing statement highlighting the fees charged for this period and over the year. I have all financial records from this account and do not see anything for the debt protection. I have a request currently with the debt protection agency to give me a copy of when I agreed to or signed stating I am in agreement with the protection.
Consumer complaint received 2018-06-22
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. (MD)

I submitted a request for a credit card with XXXX XXXX bank and it was declined because of information from equafax that wasnt up to date because my credit limit on tw cards were increased by a total of {$3000.00} which made a big difference with % of credit availability. I filed a dispute with cfpb because for over the limit amounts are updated mostly the next day but it had been almost 3 weeks and it wasnt updated. I was sent an email saying it had been resolved but I couldnt get the results on line and when I called I was told the didnt have any disputes from me. After I file the dispute my credit score with XXXX went immediately down while the went up with the other two agencies. I was sent another email from them saying it was ready to be viewed but I wasnt able to view them again. Equifax also sent out information on my new balances without mentioning the increases intentionally trying to lower my other scores. I would like to know the agency that I can file a discrimination complaint and a retaliatory complaint for them intentionally trying to limit my credit and ruin my life.
Consumer complaint received 2018-06-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (FL)

After Hurricane XXXX, ( XX/XX/XXXX ), I received a call from a Dovenmuehle customer service rep who said as I was a valued customer, I did not have to pay XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX mortgage - it would be tacked on to the end of my loan. I explained to the rep that the hurricane did minimal damage and I was ok to pay but she asked " Who wouldn't want XXXX months of free mortgage money '' " You could go crazy with your XXXX shopping '', " Everyone is doing it ''. I asked at least 4 times if she was absolutely SURE that come XX/XX/XXXX, I wouldn't be hit with 3 months back mortgage and she said " no, we are doing this to help out our customers..it 's being added to the end of the loan ''. In XX/XX/XXXX when I didn't pay, I received a letter saying i owed XX/XX/XXXX so I called and was told " Those are auto generated, you can throw them away ''. This happened for XX/XX/XXXX, XX/XX/XXXX. and XX/XX/XXXX. Sure enough..come XX/XX/XXXX, I was told foreclosure proceeding were going to be starting if I didn't pay {$2400.00}. I tried and tried to fight it but was told, " We would never say that it would be tacked on to the end of your loan '' ... but that is exactly what I was told. I ended up paying the past due to save my house. My credit is ruined, I had to pay late fees and they need to be held accountable. I'm sure I'm not the only one they said this to. It's ethically wrong.
Consumer complaint received 2018-06-22
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)

For the past 8 months I have attempted to get Equifax to remove incorrect information listed on my credit report for an account. I have provided them with proof to show that the debt was satisfied months ago. The creditor refuses to admit fault and correct their mistake. This negative reporting has impacted me negatively. Paid debt to XXXX XXXX XXXX in XXXX on XX/XX/2017 to settle account. Spoke to rep over the phone who advised me they could not take my payment over the phone. I was ill that day. I got up and went to the bank on XXXX XXXX to make the payment. The line was long. I waited. I checked in on XXXX so there is a time stamp of my visit. I was attempting to pay and was told by the rep that I could not pay by check to close the account. The bank was closing so they allowed me to do the transaction as electronically using my debit card. The rep thanked me for coming in and reassured me there would be no impact to my credit report. A week letter my credit was hit negative reporting of delinquent account and now charge off. I called the bank several times.I spoke with the bank manager. I spoke with the call center. I spoke with the call center manager. Each agreeing to remove the negative remarks, but no one has. I need help protecting my FCRA rights to accurate information on my credit report.
Consumer complaint received 2018-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2018 I found inaccurate information on my credit reports and sent disputes to all 3 credit bureaus ( Transunion, XXXX  and XXXX ) by certified mail. I also included copies of my drivers license, Social Security card and proof of my address. I received the certified copies back dated XX/XX/2018. I understand its Federal Law that the credit bureaus have 30 days to verify the disputes and answer back to me. XXXX is the only company who has responded and removed the disputed items I asked to be disputed. As of today XX/XX/18 Transunion and XXXX   both refuse to follow the law and answer my disputes. I will include all information and copies of certified receipts.
Consumer complaint received 2018-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am XXXX years old and do not use email, but to apply for my card I used an email. I asked that my bills be mailed to me, bc it is the only way I am sure my bills are paid. I have been in and out of hospital & friends know to check my mail for important things. My statement was never mailed to me. I asked my daughter to contacr capital one to tell them I did not receive a bill. she paid the past due payments, & asked to have the bills mailed & checked the address. I have not received a single bill to date and I have been in & out of care the last few months, so I had someone getting my mail & paying my bills. Now that I am back to recovering, I see that my account is blocked, still no statements or bills. I am sure my credit has been terribley affected.
Consumer complaint received 2018-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Attached, please find a formatted complaint in PDF. 

I filed a complaint on XX/XX/2018 against the company and in a letter dated XX/XX/2018 they replied with many and many lies and disinformation, following are some of them : 1. They failed to address the fact and issue that of the hours and hours of wasting my time going over the same old directions be the prior reps while this were already high ranking reps from their executive office, they didnt even have notes about some of the prior phone call, indeed I was promised in one of my phone calls by XXXX who undersigned the reply letter that she will check it out and will get back to me with answers as to why this was like that, but instead she as well as the other just decided to just hide the facts and just try to get away with lies in their reply and not to address the core issues. 
2. How will a mock enrollment help, if it wasnt done on my specially on my account, this is so stupid, as there maybe certain factors that are on my account while not on their mock account and if they tried it on my account, so how come they just didnt enroll my additional account while themselves while doing that mock enrollment. 
3. If there is no way that I can enroll that account, why would it be so difficult that there back office should just do it, this is just an issue of adding an account to existing functional online access? 
4. They claim that a digital technician tried contacting me XX/XX/2018, this a blatant lie, as I have a record of all of such a phone call, besides the fact they even failed to specify what type of security standards failed. 
5. I was already in United States since then and even tried to enroll while there and no luck, so they are simply declining from taking responsibility for their failed acts. 
6. All their troubleshooting steps where completed and the undersigned of that reply letter knows that, so whats her point of writing it? While that failed? 
7. The claim to trying to reach the customer while there is a suspicious charge, this was not the case here nor did they even allege trying to reach me, so the question is even bigger, if thats their policy, how come they didnt bear by their own policy of trying to call me in order to verify that charge. 
8. The reply letter also simply ignored and didnt address the XX/XX/2018 complaint filed. 
9. Lastly, upon receipt of their reply letter I made sever attempts to call the undersigned of their letter and had no luck reaching her and I wasnt lucky enough to even receive a return call after leaving her a voice mail to return my call ASAP and letting her know that if I will not receive any return call, I will be filing this complaint again.
Consumer complaint received 2018-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX I closed this account when the annual fee was due. There was an annual fee of {$140.00} that was not refunded when I closed the account. Without my knowledge, late fees and interest accumulated on this annual fee, which should not have happened since this is a bank fee. 

On XX/XX/XXXX, XXXX XXXX reported my account as opened and delinquent, which caused my credit score to drastically decrease 60 points overnight due to this bank error. It will be difficult for me to get a financial loan with this erroneous bank error on my credit report. 

On XX/XX/XXXX at XXXX XXXX  XXXX XXXX stated she closed my account and refunded all the fees, but failed to state that the bank would remove the erroneous delinquent account on my credit report.
Consumer complaint received 2018-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX I closed this account when the annual fee was due. There was an annual fee of {$140.00} that was not refunded when I closed the account. Without my knowledge, late fees and interest accumulated on this annual fee, which should not have happened since this is a bank fee. 

On XX/XX/XXXX, XXXX XXXX reported my account as opened and delinquent, which caused my credit score to drastically decrease 60 points overnight due to this bank error. It will be difficult for me to get a financial loan with this erroneous bank error on my credit report. 

On XX/XX/XXXX at XXXX XXXX  XXXX XXXX stated she closed my account and refunded all the fees, but failed to state that the bank would remove the erroneous delinquent account on my credit report.
Consumer complaint received 2018-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This is not an account that should be on my report. I have never lived In This complex. 

I have been a victim of identity theft. and will be attaching an affidavit to this report.
Consumer complaint received 2018-06-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IA)

I lost my job last XXXX. Navient put me in deferment. Ive been in regular communication with them, they wouldnt offer income-based repayment, said the lowest was $ XXXX/mo. Been trying to reach them since I started a new job last month. I cant get through to a person. Last night, I received a certified letter that theyre going to take me to court if I dont respond by XX/XX/XXXX. Ive been calling the number in the letter and every number posted on their website this morning and none of them work. I can get no further than the 3 prompts. When you select to remain on hold the message replays, if I select to leave a message, the prompt message replays. If I select star for the main menu, the prompt message replays. Its been 2 hours now and I have had no luck. I believe they are nothing but fraud.
Consumer complaint received 2018-06-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (AZ)

Chase Auto Finance is not providing accurate information via the IVR payment system. I had called in for several months and made payments over the phone after my husband and I separated ( XX/XX/XXXX ). The system has two options for payment. Pay the current amount due ( push 1 ), or pay the total amount due ( push 2 ). I selected the total amount due, since I thought I was a couple of days late on my payment, and owed a late fee. The system stated the total due was my standard payment plus a late fee. I was ACTUALLY 32 days past due and owed two payments plus late fees. I found this out when my credit monitoring app notified me the afternoon after I had made the payment ( XXXX XXXX ) through the IVR system. The credit reporting agencies already knew I was late, but their IVR system did not? This same thing had occurred for several months from what customer service told me that evening ( XXXX XXXX  ). I never knew I was behind. The rep canceled my morning payment and took a payment over the phone for the total amount due. Her manager admitted there may be an issue with the system but refused to make a goodwill change to the reporting of my credit. I have not had a past due payment in over 8 years. I filed a report with the XXXX. A gentleman with Chase 's executive office made contact with me more than once, but he never seemed to understand the issue. He could see that I had paid the late fee ( {$450.00} instead of {$440.00} ) so I must have selected option 2, and if that was the case, the amount I was told with option 2 was incorrect. I want the issue ( providing incorrect information via their IVR system ) resolved for all customers. Accurate information should be provided by a lender, even through their automated phone system. Thanks to their payment system, I had a 100 pt. drop in my credit. I'm likely getting divorced and now won't be able to buy a home. Things like this can have a huge impact on people lives but they don't seem to care.
Consumer complaint received 2024-08-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (MO)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2018-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

OnXX/XX/XXXX I faxexd over my request for dispute with Transunion for the following accounts, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. As of today 's date,XX/XX/XXXX, I have yet to receive any correspondence from them in regards to the results of the investigation. It is well over the 30 days allotted for the investigation to be started, completed and results sent back to me. They didn't respond with 30 days as required.
Consumer complaint received 2018-06-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Knight Adjustment Bureau (UT)

XX/XX/XXXX I went to XXXX XXXX XXXX XXXX XXXX and had XXXX insurance through the XXXX XXXX XXXX through the end of XX/XX/XXXX due to my husband and the city decided to part ways due to complicated issues / employment. He was not terminated.

The insurance through the XXXX XXXX XXXX was supposed to pay the pre-approved XXXX billing in full however did not pay XXXX.

I told Knight Adjustment Bureau about the insurance issue however they insisted that wasn't their problem and I owed the debt they were collecting on behalf of XXXX XXXX.

In XX/XX/XXXX I was finished arguing with the collector and paid the XXXX plus a XXXX processing fee. During that phone call I was told I would receive a letter that showed the account was paid in full and also reassured that THE MEDICAL DEBT WOULD BE DELETED FROM MY CREDIT REPORT.

They stated it would take up to 30-60 days from the payment processing on XX/XX/XXXX. I called at the XX/XX/XXXX and they now stated that I had to dispute the medical debt through each of the credit bureaus for it to be removed.

I completed this and was declined when the credit bureaus reached out to Knight Adjustment to remove the medical debt.
Consumer complaint received 2018-06-22
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: MRS BPO, LLC (CA)

My employer and family members are getting repeated phone calls from MRS associates. My father specifically has been receiving multiple phone calls a day from them and has been informed by someone at there office that I currently have an outstanding debt which is a violation of my rights. This debt has not been verified and I feel harassed and embarrassed that my private information is being shared with others.
Consumer complaint received 2018-06-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

We paid off our XXXX mortgage ( loan # XXXX ) XX/XX/XXXX. We received a letter from XXXX dated XX/XX/XXXX stating that the mortgage was paid in full and the lien release would be processed. We didn't know that it never was released until the lien showed up on a title search a few weeks ago as we're selling our house.

We wasted weeks talking to Bank of America ( XXXX ) talking to various people ( XXXX on XX/XX/XXXX, XXXX onXX/XX/XXXX and XXXX on XX/XX/XXXX and someone whose name I don't know on XX/XX/XXXX ) because the lien in the public record shows Bank of America as the mortgage holder. On XX/XX/XXXX, the closing attorney faxed to BOA the lien release request and title search, as requested by BOA. Bank of America passed the mortgage for servicing in XX/XX/XXXX to XXXX, who later became XXXX. Bank of America told us they had everything they needed to release the lien and then ditched us and told us we had to deal with XXXX. They wouldn't even call XXXX on our behalf to find out what needs to be done. They say it's not their problem even though their name ( not XXXX ) is in the public record as still hold the mortgage. They say that's because XXXX didn't ever do what they were supposed to do.

Despite many phone calls ( XXXX ) to XXXX starting XX/XX/XXXX, the lien has still not been released. We were told on XX/XX/XXXX when I spoke to someone named XXXX ( you never get their full name and you get someone different every time ) that a lien release was requested and it would take 5 days. On XX/XX/XXXX I called XXXX and was told 20 - 30 days. The customer service is poor and you can never be transferred to a supervisor ( they're always in a meeting ). When emailing XXXX, we get no response whatsoever. I have emailed them 6 times with no response at all. I found the CEO of XXXX XXXX XXXX and have emailed him 4 times ( XXXX ) - no response. We have filed a similar complaint against XXXX.

We may lose the buyers for our house and lose out on a contract on the house we're trying to buy. All we want is to have a clear title and close on our house.
Consumer complaint received 2018-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: GLOBAL CLIENT SOLUTIONS, LLC (WA)

Due to a horrible divorce and over {$42000.00} in atty fees I found myself scrambling to find ways to pay the attorneys ; high interest/no collateral 'predatory ' lenders seemed to be the only choice and the last resort. In XX/XX/2017 I contacted XXXX XXXX XXXX XXXX about 'Debt Relief. ' PLEASE NOTE : All monies go through Global Client Solutions LLC ( GCS ). I saw an ad that claimed XXXX ( GCS LLC ) could negotiate with high interest lenders and reach workable 'settlements ' so that clients could avoid bankruptcy and/or receive legal protection from judgements and other adverse court actions. Although XXXX ( GCS ) has settled with one of the major lenders there isn't enough money left to attempt a 'settlement ' with either of the remaining lenders. I have been told by reps for XXXX ( they call themselves 'para-legals ' ) " if you want more done, you'll have to pay more money! '' It 'seems ' that the majority of my {$680.00} per month payment goes to XXXX ( namely GCS ) and NOT to any creditor! I would also like to point out that I am a XXXX XXXX XXXX XXXX  veteran living on a VA and an XXXX monthly check ... there is NO MORE MONEY! I've fallen into a vicious cycle of predatory lenders and even more predatory attorneys and the debt relief legal firm : XXXX XXXX XXXX XXXX and their collection parent or sister company : Global Client Solutions LLC..