davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX I XXXX SOC SEC # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Mortgage lender in XXXX , Michigan Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$680000.00} MTG {$0.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX History : XX/XX/XXXX ; XXXX Late Dates : XXXX XXXX XXXX ACCOUNT ; ACCOUNT TRANSFERRED OR SOLD Dear Sir/Ma'am, I am writing you this letter regarding payments that were marked late by your company for the following account ( s ) on the following date ( s ) : Late Dates : XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. This account was sold to XXXX XXXX XXXX after the late was reported during the transfer XXXX XXXX have send the request to have it removed it still show after the removal Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.

You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would therefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX XXXX TransUnion or all that apply ) and update the accounts to positive. 
Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. 
Regards, XXXX I XXXX SOC SEC # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Cc : mail CFPB FTC Office of State Attorney 15th Judicial Circuit Serving Palm ...

Office Of State Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
[ Please ensure to fill in the placeholders with the appropriate dates, personal information, and creditor details before sending the letter. ]
Consumer complaint received 2015-05-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

On XXXX XXXX, 2015 my wife tried to withdraw money from our joint checking acct with HSBC. It did not work, so I called HSBC XXXX that night ( I have called many many times over the XXXX years with HSBC ). They told me there is a block on my account and I need to call Monday morning to sort this out. On XXXX XXXX, I called, spoke to XXXX, who told me my account has been closed. HSBC said they had sent letters / emails to my wife requiring some information from her or the account would be closed. My comment to HSBC is why did not they not call me before doing anything drastic like closing my account. At this time, my wife got on the phone with XXXX and told her that she in fact did receive emails but ignored them saying she thought they were spam. XXXX said that they tried to phone us but it did not work. XXXX mentioned some phone number that was not ours. This call got cut off. XXXX minutes later I got a call from XXXX who admitted HSBC was at fault and should have called me ( her phoning is also proof that they have my correct phone number - record attached ) and that HSBC would send me a check through registered mail that I should receive in XXXX business days. They would also send me by text the tracking number. This conversation was recorded by HSBC. 
XXXX XXXX, I phoned HSBC, XXXX, to inquire where was my check. XXXX told me that it is has not been sent, as HSBC needed to confirm my address. On the same day, XXXX XXXX, I received mail correspondence from HSBC - separate issue and attached, that shows they did have my address ( not changed in XXXX years ). XXXX also said my account was not closed and was " restricted ''. XXXX promised to call me XXXX XXXX with more information. I did get a call from her on XXXX XXXX, was unable to answer it, and called by HSBC and spoke to XXXX. XXXX told me XXXX is the supervisor and is required to call me twice ( she did not ). I asked XXXX to escalate the issue ( and I also confirmed my address with him ) he promised to have a supervisor call me back within an hour. They did not. After a few hours XXXX called me back, apologized and said that I now need to speak to XXXX about this issue. I told XXXX that I want my money, and that I will contact the XXXX Police Dept and report HSBC for theft. He told me there is nothing he can do, and that XXXX will call me on XXXX XXXX. At this point ( XXXX XXXX ), I could still see my account online. XXXX XXXX, my account is suspended online ( attached ), and when I called HSBC as soon as they get my account number, they immediately hang up, so I must be flagged as " do not speak to this person ''. Therefore, HSBC has my money and I am completely unable to contact them. So I must wait for XXXX to call, HSBC has broken their promises before so I may or may not get this call. I have no recourse at all and need help.
Consumer complaint received 2015-06-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Corp Solutions Inc. (TX)

to whom it may concern I am receiving telephones to my place of employment for debts that are not even mine. I am requesting to press charges to full extent of the law. And demand they stop immediately the company name is credit corp. solution the rep name is XXXX XXXX the phone she gave me is XXXX ext XXXX. I will further more cc the Texas State Attorney General Office so they start investigating the company tactic and demand that this loan is removed from my credit report.
Consumer complaint received 2015-06-18
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (CA)

On XXXX XXXX 2014 I cancelled my credit card with barclays bank. I just received a collection notice from XXXX wanting XXXX. I called Barclay bank they say that a bill was paid over a month after the card had been cancelled for XXXX. They never contacted me about the bill. I asked them for the phone # and address they had and it was correct, I asked them why they never contacted me, they did not know. I said i would pay the XXXX, they said they could not deal with me that I have to deal with the collection agency. The collection agency wants XXXX and will not deal. I asked if I pay the XXXX would they take it off my credit report they said no. First I believe barclays had no authority to pay the XXXX and should have had the store contact me. Second Barclays should have at least tried to contact me about the XXXX dollars. Now they have destroyed my credit. I am willing to pay the XXXX but they must remove it from my credit report
Consumer complaint received 2015-11-29
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have been a victim of fraud on my account XXXX times in one year from Captital One 360. Each time, I am required to wait up to XXXX hours for pending payments to post so that I can then dispute them. I am left without funds in my account for the same amount of time. I have repeatedly ask Capital One 360 to change my primary contact number to my mobile number so that I am immediately notified of any fraudulent activities. I also receive no compensation for any loss of time or inconvenience being caused by the repeated fraud this bank allows to happen on my bank account.
Consumer complaint received 2015-09-08
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: WELLS FARGO & COMPANY (FL)

I applied for this secured card, and a few days later i received the attached letter in the mail basically stateting " Thank you for applying, please fund the account, if we do not receive funding for the account an account will not be established '' This is basically what i understand the letter to read. Long story, short. I never funded the account and yet, an account was established and is showing up on my consumer credit report XXXX. I claim they should never have opened an account much less report it to my credit reports. I want them to delete all information from these XXXX credit bureaus. I am sending the letter that started this whole issue.
Consumer complaint received 2015-06-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: SUNTRUST BANKS, INC. (DC)

SunTrust Custom Choice advertises a graduation reward in the form of a 1 % reduction in principal. In their own legal disclaimer, the terms I expect SunTrust to adhere to are a : " 1 % principal reduction based on the net disbursed loan amount. " A net disbursement total of {$46000.00} was provided for this degree, so under their own disclaimer they are required to credit {$460.00} toward my remaining loans as I have satisfied all obligations to be eligible for this reward. 

Their loan servicer, XXXX, is claiming that because I paid XXXX of the XXXX individual loans off already, that I am only eligible for a principal reduction on the XXXX loans that still have balances on them. Nowhere is this stipulation in any contracts or disclaimers I signed. The amount they are trying to short me totals {$280.00}. They are essentially punishing me for being a responsible borrower. I would like CFPB to enforce SunTrust 's contractual obligation and ensure that I receive 100 % of what I am owed - {$460.00}.
Consumer complaint received 2015-06-18
Product: Credit card — 
Issue: Billing statement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

An unpaid due amount appeared on my statement ending XXXX XXXX. To me this is impossible since I do online banking and have authorized my bank to pay upon receipt of the e-bill. The credit card services section and bill pay/online banking are with the same major banking corporation. After several phone calls and going up the chain my dispute has not been solved. I had asked card services to remove the unpaid amount from the statement. They continually tell me that my XXXX payment has not been received and that they can not remove the amount. What I thought was a refund of the past due amount actually was treated as a cash advance. I have had XXXX managers in card services tell me that this was a banking error. According to card services the bill pay section made my payment early, XXXX XXXX, which happened to be the ending date of my statement. Therefore, it was credited to the previous month. I contacted bill pay/online banking and asked about when the e-bill was received and paid. According to bill pay the e-bill was created on XXXX XXXX, 2015, received by bill pay on XXXX XXXX, and paid on XXXX XXXX. 
Card services resolution is to reduce some of the interest charges, removal of late charge fees, and pay the overdue charge on a date in XXXX that I can not remember that was told to me. They also suggested that I pay the current minimum due and continue to carry the overdue amount. Neither of these solutions are acceptable to me especially the last XXXX. Carrying an overdue payment for months will ruin my credit rating which, in turn, I will have debt collectors. The bank that I deal with has received government bailout money and I consider my situation to be fraudulent also. Any help that you can give me would be greatly appreciated..
Consumer complaint received 2015-04-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I applied for a mortgage modification with Capital One. The modification was granted. During the trial period I made all payments as agreed. The company reported me 30 days late for 3 months during the " trial period '' even though none of my payments were late. I have gotten other modifications and no other bank reported me as 30 days late during the trial period. This is horribly unfair as obviously I have been having some financial difficulties. But I complied exactly to their requested payment. My credit score dropped XXXX points and this effect will go on for years. Punishing me for the modification.
Consumer complaint received 2015-06-19
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

In XXXX 1998 Countrywide /Bank of America issued a mortgage loan under my social security information without XXXX or XXXX verifying as they claim they do .In XXXX 1998 i was only XXXX old I was n't of age to obtain a mortgage loan yet pay for XXXX. Do to this negligence not only have they stolen my identity, my social, they have committed fraud, they have sent to my credit report that i am deceased. I cant apply for my dream home, apply for a car loan or anything for that matter since I look like the XXXX committing fraud over their " XXXX '' game as Countrywide called it to get a mortgage out for their numbers. They have allowed fraud just to get what they need and not think of the consequences that will occur.
Consumer complaint received 2015-05-13
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: MAS FINANCIAL SERVICES, INC. (CA)

I purchase a vehicle on XXXX 2012 financing with MAS FInancial services this business needs to be review, every month since my first payment I been having issues with this company they work a theory, usually I was sending my monthly payments by check but every mont they will call me stating that my payment was n't received when my check had been mailed weeks prior to my payment I got feed up and starting to pay by money gram no matter how, they want to accuse you of making late payments to try to collect more and more money from suppose late payments I 'm going crazy they call me and harass me at work with tex and messages I really do n't know what to do any more, no matter how early I mail my payment I still get at least XXXX calls per day stating my payment is late. I 've complain several times to the company it looks like everyone is very unprofessional and disrespectful as if they do n't know what there doing, I do n't know how to report this and afraid of having a breakdown this is causing me XXXX on daily basis I really wish for a review of this company, I 'm not the only one with issues with this company, once you log on to their web page mostly unhappy customers and people frustrated over the same issue. I think company 's like MAS Financial should n't be operating and be under review.
Consumer complaint received 2015-09-08
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AmeriCollect (WI)

I called Americollect in XXXX and asked how much I owed to pay off accounts in full. They offered me a settlement amount of {$790.00}. The original balance was {$990.00} XXXX but the they have consistently quoted me different balance amounts each time I called XXXX. The XXXX XXXX XXXX XXXX sent a check in for the amount of the settlement of {$790.00} on XXXX XXXX, 2015. That check was cashed by Americollect on XXXX XXXX or XXXX. I requested a receipt be mailed to me to show I had paid all debts. I was told I would receive it within 3 weeks and I did n't receive anything. Then I called on XXXX XXXX and spoke to XXXX, and XXXX on XXXX XXXX. On the XXXX XXXX confirmed that they payoff was received and I would receive a payoff letter in a week. I did not receive that. When I called back today, XXXX, I was told by XXXX that I still owed {$900.00} and they have no record of the settlement deal.
Consumer complaint received 2015-04-02
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

An automatic call placed many times from XXXX states that there is fraudulent activity associated with my name and social security number. To avoid XXXX charges being filed against me they then give me a case number of XXXX and a contact number XXXX. When calling the XXXX number the operator tells me that I will be sued if I do n't come to an agreement even though it is a Time-Barred debt. They continue to call even after I tell them the debt is not valid.
Consumer complaint received 2015-10-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

I received a private loan from XXXX XXXX in 2010 for my undergraduate studies at XXXX XXXX XXXX. Upon graduation, I attended XXXX school at XXXX. I eventually deferred my loan repayments ( which took months ). I recently found out that Navient took over my loan repayments ( XXXX XXXX did not inform me ). Since last week, my mother ( co-signer ) and I have been receiving calls from Navient, not during business hours, about paying. I logged into my Navient account for the first time today and it said I defaulted of my XX/XX/XXXX payment which was supposed to be deferred since I am still in XXXX school. Now i have to re-apply for deferment which I fear may take months and may negatively affect my credit score.
Consumer complaint received 2015-11-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: High Point Asset Inc (WI)

I am continuously contacted and also at my mothers phone in regards to some type of loan I took out on XXXX/XXXX/2011 onine and never paid. 

The collection agency High Point Asset, knew a great deal about me, down to my bank, however I never heard of this loan company XXXX XXXX XXXX, and never took out a loan. Then even knew my bank, I went back to my statements to confirm this, and I have not received in a direct deposits on a loan from this company. I explained, to them if that 's the case, why did n't they collect ... I do n't have any stop pays on my account back then, to stop them from collecting money owed ... I told them to prove to me, that i took this loan, because I did not ... they sent a letter in the mail and continue to call from XXXX.
Consumer complaint received 2015-06-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (WA)

My credit report has information not belonging to me. And there is another SSN that is not mine. I have pulled the report with all XXXX agencies and they show items from XX/XX/XXXX. I am press for time in getting this repeatedly removed. There is XXXX in this process and ID theft during XX/XX/XXXX. I place a watch with several companies and no resolutions in site.
Consumer complaint received 2015-09-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

Statutes of Limitations for the Bankruptcy record on my credit report. 
Dismissed XXXX XXXX/XXXX/2007 Case Number XXXX in addition if the employers XXXX XXXX and XXXX Broker be removed. 

Thx
Consumer complaint received 2015-09-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (CA)

I mailed Experian a letter since XXXX XXXX, 2015 and till this date they have not responded back. I followed up with a XXXX later dated XXXX XXXX, 2015 and they have also failed to respond.
Consumer complaint received 2015-09-08
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I checked my credit score at XXXX and it seems I have a XXXX $ charge in 2015 to XXXX XXXX. Ive never used that service or company. Now my score is XXXX. Also there seems to be XXXX addresses listed in my report that I have never resided at.
Consumer complaint received 2015-09-08
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO. (MI)

In XXXX we purchased a timeshare in XXXX and when we tried to use it they never responded. There have been numerous charges against them on the XXXX XXXX as being fraudulent/scam. All of our charges on our XXXX CC were reversed back to us, as all of our charges on our Chase card in XXXX XXXX. On XXXX/XXXX/XXXX we received a letter stating the charges were all charged back to us and that we could appeal. I have sent numerous letters to Chase, including the extra documentation they wanted ( proof that XXXX credited our account, information from the XXXX XXXX ). I still did n't hear anything from Chase. I used their online dispute system and sent inquiries, no response. I then called in XXXX, spoke with XXXX who said I would receive a credit on my card by XXXX XXXX. Nothing. I called again on XXXX and spoke with supervisor XXXX who said they could not credit my account until they get the money back from the timeshare bank. Upon further discussion, they were calling a customer in XXXX ... this is a XXXX company. I gave her the correct number and she stated someone would be calling them and then would let me know the outcome. I asked for a followup date, she could not give me that. I asked for her contact information, she said she could not give me that as well. I then called again on XXXX/XXXX/XXXX and spoke with supervisor XXXX XXXX. He said I would hear in XXXX week the results. I asked if we can make a decision now. He said no. After a lot of discussion, we decided to call XXXX XXXX XXXX together on the phone - which they said no one answered. So we called on a XXXX call, they did answer and were answering our questions, then was disconnected. I 'm not sure who disconnected the call. It 's been more than week as XXXX has said, and still no response. 

I just want the charges credited back to my account and the interest that has been accruing all of this time. This is very discouraging. I have a huge packet of our correspondence, and they just push me off. I 've asked for a supervisor or higher management to call me back, and I hear " we do n't do that. '' Please help!
Consumer complaint received 2015-06-19
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I recently contacted Capital One regarding a chargeback item that I was charged for services that were supposed to be rendered. Once the initial dispute was created online, I was not contacted again by Capital One or given any type of statement credit. I followed up with Capital One around 30 days later, only to find that my dispute had gone nowhere. They showed the dispute in their system, but told me that because the charge was prior to 120 days from today 's date " there was nothing they could do about it ''. I attempted to contact their Transaction Support Center again and at that time they informed me they would send me a packet to fill out and return. Today, I received a XXXX-page letter stating that " if you still want to dispute the charge, you will need to contact the merchant and work directly with them on this matter. At this time, we consider your case closed. ''