davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I have a home equity line of credit from  Bank of America. It was a ten year pla n and then you had to pay it off. When it matured in  XXXX  of   XXXX   I was in the process of getting a new line of credit and they charg ed me 5 percent l ate fee on the balloon balance. This charge was about {$7400.00}. I told them I was in the process of getting a new line and they said they would remove the fee when the account was paid in full. I said I needed to have it removed so I could determine the correct pay off amount. They would n't budge, I did n't trust the company to remove it at loan closing time. The contract says nothing about charging a late fee for the balloon balance. It says a late fee will be charged for any monthly payment received late, but nothing for the balloon balance. 27 months went by and I faithfully sent my payment of the interest charge and some of the principal. In 13 years I had never missed a payment or had a payment received  late. My credit score  was excellent. Even though I paid the interest each month from the monthly statements I received from BOA, they still reported my account as delinquent because the line of credit had matured. I had written several letters asking for the amounts to be removed and got no response. The first week in  XXXX  of this year a Foreclosure Notice was duct taped to my front door. I was shocked, disgusted, and embarrassed. I have always paid my bills or gone without and now my house was going to be sold at auction on  XXXX   XXXX . I now have a weakened credit record and I am trying to get a new line and I am still unable to get BOA to remove the charges.
Consumer complaint received 2017-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I am sorry but I have already made a claim with your office but I have new documentation so I was told to redo my claim. On  XXXX   XXXX    XXXX   I disput ed 1 BK and 6 Tax Liens  on my Equifax. They remo ved 1 BK 5 Tax liens ( with c fpb 's help ) on  XXXX   XXXX . Equifax but back on the BK a few days later. Equifax also sent  me a letter ( att ached ) stating that I do not have a BK on  XXXX   XXXX . Then sent me another letter on the same d ate ( attac hed ) saying I do have a BK  and 1 tax lien. I have attached a letter from the County Clerk 's   office stating they do not report to credit bureaus yet my report states  XXXX   XXXX   XXXX  reported to them. This seems to be incorrect report p er the Federal Laws. I hav e attached proof of the information stated.
Consumer complaint received 2018-12-03
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: Experian Information Solutions Inc. (SC)

Spoke with a representative of Experian, about fraudulent items that where on my credit report, as well as wrong names, addresses and employers. I was told to send in a dispute, which i did, and it came back verified. This isn't possible, i've already file a police report, spoke with the creditors about the accounts, placed a freeze and fraud alert on my credit report, and file a FTC report. They aren't being very cooperative, i just want to protect myself from any further damage, and gets these accounts of my report which has cost me denial of credit and higher rates when i did get approved. I was totally clueless of this account until recently in XXXX when i got my credit report.
Consumer complaint received 2017-04-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (TX)

On  XXXX   XXXX  , 2017 I co mpleted an application for property tax exemption with the  XXXX  County Appraisal District (  XXXX CAD ) and was approved due to a   XXXX   XXXX   VA  XXXX  rating.   XXXX  CAD provided me with a letter certifying that no property tax will be due for the    2017 tax  year. I contacted my mortgage company, AmeriHome Mortgage, to let them know on the  XX/XX/XXXX  an d requested an escrow analysis. The representative informed me to call back in four days and they would have an updated escrow analysis. I called back on the   XX/XX/XXXX  an d requested an update, the representative told me that my paperwork was inadequate but they had contacted  XXXX CAD for clarification. I was then informed to call back in  four  more days. I called back on/around the   XX/XX/XXXX  to re quest an update and was told by AmeriHome that I did not qualify for a property tax exemption and they had closed my request. I contacted  XXXX CAD and they confirmed that I was not required to pay the property tax and said to have AmeriHome contact them directly if they needed additional clarification. I contacted AmeriHome and requested a third escrow analysis, confirmed the information, escalated the issue. On   XX/XX/XXXX   I contacted AmeriHome again to request an update and the representative told me that the property tax department did not complete my request because they had already denied an update on the   XX/XX/XXXX   even thought they had new information from  XXXX CAD. I asked for a fourth time to have an escrow analysis completed, confirmed the property tax department have the information and was just told it was going to take another week ...     I have asked for this escrow analysis to be completed  four  times, calling in over and over again wasting my time for something that should be a simple transaction. I just want to have my tax records updated correctly so that I am not paying unnecessary funds to an escrow account.
Consumer complaint received 2017-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

XXXX has my married name on my report, yet I have requested that to be changed several times. The response to this action is that creditors are allowed to change this information at their discretion. As well, there are phone numbers on my file that do not belong to me as well as debts on my Experian file that have been cleared with all other reporting agencies. My goal is to have all of my credit reports consistent with the proper information during the process of repair, which I am currently engaged in. I have experienced issues in accessing my account online as well as dispute claims not being addressed within the proper time limits.
Consumer complaint received 2017-04-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (MN)

Currently, I have a student loan with  Navient,  who is formally known as  XXXX   XXXX . After reviewing my account, I discovered there were an addition al 20 plus thousand in  loans, " I did not take out. '' Would you please verify, where this came from? I do n't plan on paying for it at all!
Consumer complaint received 2017-04-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of  XXXX   XXXX ,  XXXX   XXXX  30 days past due as of  XXXX   XXXX ,  XXXX   XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2017-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (LA)

I went on a cruise wi th Carnival Cruise Lines fir st week of  XXXX   2016 .   I used my personal master card tied into my room number and no other cards were permissible for use.   In  XXXX , I received a  letter from a collection agency stating I owe Carnival world Mastercard {$600.00}. I called Carnival Cruise Lines and dispu ted my claim to not owning a Carnival Mastercard. They stated that there was a mix up and would look into the problem.   In  XXXX  I received another letter from  XXXX   XXXX   XXXX  - Creditor :  Barclays Bank Deleware stating  I owe  XXXX  with several pages o f Carnival World Mastercard State ment. It had my name with another address which was not found as a working address. I first called  XXXX  collections agency and spoke to  XXXX   XXXX . He said there w as nothing he could do with the charged that I would have to contact Carnival World Mastercard. I called the Carnival Maste rCard company and spoke to  XXXX   XXXX  about the issue. I explained that I had previously called and was told it would be handled. She told me she could not do anything to contact the collections agency. I proceeded to tell her that I was directed to call her company. I gave her all of my personal information to check for any open accou nts. Explaining to her that the mailing address was incorrect on the Carnival World Mastercard    bill I received only the second time I was contacted by  XXXX   XXXX  agency. The bill not only has my name without my correct address, it is not clear on what the charges are for. It states Fun points ending balance and h  as 10 pages of the statement that does not give any clear information.
This is a bogus statement put in my name in order to attempt to r  eceive funds.
Consumer complaint received 2017-04-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (WA)

I am trying to make my  XXXX  payment but Freedom Mortgage is refusing to apply the late Fee 's I have paid correctly, they are holding the money as stated by them. I have the Money for  XXXX  and  XXXX  but I refuse to pay the ext ra 5 late paym ent 's when I have already done so, they refuse to apply to my account and are trying to extort an extra  XXXX  dollar 's that I should n't have to pay. Every time I call them they make up a different story as to why they refuse to apply the late payment 's, I was current as of   XXXX   17  and they said they would apply the late payments once I was current which is a lie sense I was current on  XXXX 17. They keep making a reference to a fee that they say was wave in  XXXX  which is also a lie as I made a deal with their customer service if I post dated a payment they would charge me a  XXXX  dollar Fee instead of a  XXXX  late charge as stated by their customer service rep. When I asked them to give me the recording of the call where I agreed to pay the  XXXX  Charge instead of the late fee they refused to get me the call. Freedom Mortgage is basically trying to force me out of my loan and not except the correct payments. I believe they make up policy 's when ever they feel like it, why was n't the late Fee 's applied when the loan was current on   XXXX  17. They should be investigate for fraudulently keeping the late fee 's and not applying them correctly it 's a scam to get extra out of people they are illegally holding money to force my loan into default, when I am willing to make the  XXXX  and payment with out the extra late fee's.Customer service is just rude and has no desire to find any kind of resolution.
Consumer complaint received 2017-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Debt Recovery Solutions, LLC (NV)

I asked them if I could pay this debt or a settlement would they do a pay for deletion. They said yes. They did not keep there word. I paid this debt and they said they would delete it from my credit report. All  XXXX  bureaus. It 's still reporting on my credit report. The account was paid. I then received a letter in the mall saying Please be advised that this office represents  XXXX   XXXX   XXXX  concerning the above preferred account originated from  XXXX    XXXX    XXXX   XXXX  According to our client on his record there is a balance due of them out at {$340.00} this will acknowledge and I was a report of your settlement payment amount at  XXXX  on  XXXX   XXXX ,  2017 th is account is being said or close by our office thank you for resolving this matter yours truly P.  XXXX   XXXX  ... This is NOT what I asked for.
Consumer complaint received 2017-04-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Williams, Rush & Associates, LLC (OH)

I was contacted by my mother in law about a debt that belongs to my spouse. I attempted to contact the company. They refused to speak to me. They states federal did n't allow them too. My spouse took a break from work because they are only available during his work hours. They threatened a judgement when a suit has not even been filed. They have called his family members repeatedly and have never called him.
Consumer complaint received 2017-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

All  XXXX    Credit    agencies failed to respond appropriately to Attorney 's demand letter, ignoring the subject and disregarding the statute of the fair credit act. Experian willfully disregarded the letter on 3 more occasions responding with generic letters attached herein. In the process, Experian sent 4 different credit reports on 4 occasions. It came to my attention that Experian is willfully granting access to and business entity for no " permissible purpose ''. The report Experian sent me clearly cites credit inquiries totaling 13 that all state reason for inquiry as " Unspecified ''.    I called Experian and asked about this - they told me " Entities who have Certified to Experian they have a " Permissible purpose '' can have my credit no need for anything in writing or for Experian to verify my signature or consent.     Based on that premise, an entity upon making a request for my credit or any consumer credit can then certify - " No Specific Reason '' when asked why they want my credit. And according to Experian, no reason at all - this is " Permissible Purpose '' for Experian to hand out my credit report and personal information on demand to anyone who pays them. On the occasion of my credit report Experian mail to me, Experian gave out my credit for " unspecified '' reasons on different  13  occasions.     None of these occasions supported or authorized by myself - the consumer. I would like to seek compensation for ever time Experian has breached the act.
Consumer complaint received 2017-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CT)

I canceled my  XXXX  cellular service in  XXXX   XXXX .  XXXX  in  XXXX   XXXX  sent me a bill that was not correct for my last month of service. I did not ignore the bill. I contacted  XXXX  and they confirmed that the bill was not correct. I have the online chat transcript from  XXXX  confirming their bill is incorrect, which I will attach to this complaint. Instead of correcting the bill  XXXX  sent it to bill collection company called  XXXX   XXXX   XXXX   XXXX . I became aware of this in  XXXX  of  XXXX . I initiated a dispute with all  XXXX  credit reporting companies and they deleted it from my report, including Equifax. I have attached the  XXXX   XXXX  dispute response from Equifax.  XXXX  then sent the bill to another collection agency  XXXX ,  XXXX  who placed it on at least  XXXX  credit reporting companies  XXXX   &  Equifax. I became aware of this in  XXXX  of  XXXX  and again disputed the action and  XXXX  deleted it from my credit file. However, Equifax has taken the position that the bill is accurate. They have done this based solely on the fact the  XXXX ,  XXXX  has reported back to them that they believe the bill is correct because the vendor  XXXX  now claims the bill is accurate. I have attached the correspondence from Equifax on the latest dispute. Equifax has done this even though I have provided them evidence from  XXXX  that the bill is not correct. I no longer know how to defend myself against Equifax and  XXXX ,  XXXX  who insist to ignore the evidence provided directly from the vendor  XXXX  that a incorrect bill is correct. This has been a tremendous amount of work. It has had a negative impact on my credit rating of  XXXX  points and is causing problems with my business activities. I respectfully request that you assist me in getting Equifax to properly report my credit.
Consumer complaint received 2017-04-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TD BANK US HOLDING COMPANY (IN)

Due to job loss, we fell behind on our credit card payment to XXXX XXXX XXXX  ( " XXXX '' ), which then caused XXXX XXXX XXXX XXXX " XXXX '' ), a collections law firm to begin to call us and send us letters. We have attached a few of these letters, which implied were coming from an attorney, but really were not. We agreed finally to try to make some payments, and were told by XXXX that we would have nothing bad on our credit report. XXXX lied to us, as they put a judgement on our credit reports. <P/>We read that the CFPB last week filed a lawsuit against XXXX for fraud and deception ; which is one of the reasons that we are filing this complaint. <P/>After we found out about the judgement, we then discovered that XXXX XXXX XXXX was not licensed nor registered to do business in Indian, and thus did not have any access to the Indiana courts to file a judgement. Despite the lack of legal standing, XXXX did it anyway. This seems to be an unfair, abusive, and deceptive business practice by XXXX. <P/>When we told XXXX and XXXX that they had done some bad things, and were violating numerous consumer protection laws, they merely sold our account to XXXX XXXX XXXX XXXX ( " TD Bank '' ). TD Bank has done nothing to correct this problem, as the employees of XXXX are still servicing the account, and rely on XXXX for legal advise. So they continue to cover this up, and have done so for many years now. <P/>Now that the CFPB has taken action against XXXX, this would be a good time for the CFPB to investigate this matter, and take appropriate action against XXXX, Target, and TD Bank.
Consumer complaint received 2017-04-25
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: HW Holding, Inc (TX)

I have contac t Hunter Warfield and ask that they stop contacting me. I never had contract with them. I have never signed a contract with Hunter Warefield.  I 've never gotten a solution other than continue harassing phone calls from some rude guy.
Consumer complaint received 2017-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

To Whom this May Concern :   XXXX     I sent out letters to all three bureaus pertaining to a bankruptcy on my report. I asked the bureaus to send me documentation with my signatures and how they verified this information. The bureaus stated that the courts verified this information to be true and accurate. I got a letter from the court stating that they do not verify nor submit any information to the credit bureaus it goes through 3rd party companies such as  XXXX   XXXX  which is against  Federal Law   X/XX/17    the bankruptcy was removed from my  XXXX  report then later it was placed back on. I need to speak with someone about having this information removed from my  Public Records
Consumer complaint received 2017-04-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (NY)

XXXX   Closed Submitted Status Submitted to t he CFPB on  XXXX  ProductOther ( i.e. phone, health club, etc. ) IssueDebt is not m ine We received your complaint. Thank you.     We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work.         YOUR COMPLAINT  XXXX  has submitted alleged cable bill to  XXXX  collection companies for which I do not owe. I have never lived at the address for which I am being billed. I previously made this info available to the first collection agency in   XXXX   XXXX  . Additionally, I filed ID THEFT complaint with  XXXX  Police  Dept.,   notified  XXXX   XXXX   CREDIT RE PORTING AGENCY, AND IDENTITY THEFT.GOV Now, in   XXXX   XXXX   I am being asked to pay.              View full complain t Sent to compa ny Status Sent to compa ny on  XXXX  We 've sent your complaint to the company, and we will let you know when they respond.     Their response should include the steps they took, or will take, to address your complaint.     You should receive an update from the company within the next 15 days, and a final response within 60 days.               Company responded  Status Company res ponded Closed with explanation on   XXXX   Response T ypeClosed with explanation Company 's respons e Re : IC  System Reference No :  XXXX  Account No :  XXXX  Your Credit Bureau Account No :  XXXX  Dear  XXXX   XXXX  : Thank you for contacting us. In an effort to close the account, our client,  XXXX , is requesting a fraud packet be completed and returned to them with a copy of the ID Theft complaint with  XXXX  Police  Dept. IC System h as ceased all collection activity on the account to allow time for the packet to be returned to  XXXX . Attached is the fraud packet. Sincerely, Consumer Affairs on behalf of IC  System, Inc. T oll Free No :  XXXX  This communication is from a debt collector same