davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC (AZ)

In XX/XX/XXXX I was granted an extension from XXXX XXXX XXXX for the months of XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX I was sent a letter stating that I didnt pay XX/XX/XXXX payment so I called into them to discuss the matter. Ever since XX/XX/XXXX I have tried to correct numerous issues with them but they lie and give excuses. They caused numerous bounces to my bank account in XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. They asked me to send in proof which I sent in numerous times by email, fax and a certified letter. They kept saying they didnt receive it which is impossible sent it was sent in at least six to seven times. I complained to the XXXX in XX/XX/XXXX but XXXX stopped answering them. I had to make complaints with the Attorney Generals Office of Arizona and Consumer Affairs. I asked XXXX for a detailed bill telling me exactly what they are charging me including any late fees, bounce fees, etc. They refuse to send that out which I find ridiculous since every other company sends out an itemized bill. They are trying to say that I owe them {$1900.00}, but I only owe them a little over {$900.00}. They tried to say that I owe for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX but I dont. I only owe {$300.00} for those months that I am paying off by the XXXX like my husband told them. They reported to the credit reports that i am 70 days past due but Im not even thirty days past due.
Consumer complaint received 2018-04-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRSTBANK (AZ)

I reported 5 unauthorized transactions that took place on XX/XX/XXXX and XX/XX/XXXX XXXX  for a {$30.00} unauthorized charge another charge for {$10.00} from the XXXX. On XX/XX/XXXX unauthorized charges from XXXX for {$19.00} and XXXX for {$7.00} and {$5.00}. The total amount of 5 unauthorized charges were {$72.00} The dispute reference # XXXX for 1st Bank XXXX XXXX XXXX XXXX CO XXXX Phone number XXXX. I was informed that the dispute would be resolved and card was cancelled. The representative ( XXXX XXXX ) appeared to be reluctant in resolving the matter. Her response was that unauthorized charges were impossible? She then stated that the matter would be resolved and that charges would be reversed and NSF fees would be reversed as well. I feel violated from unauthorized charges from the perpetrators and 1st bank. To this day nothing has been resolved.
Consumer complaint received 2018-05-01
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. (MI)

My credit report shows 90 days to 120 days delinquent status for my student loans through XXXX XXXX. After providing proof to XXXX XXXX that my student loans should have been in forbearance during the months of XX/XX/XXXX and XX/XX/XXXX, XXXX sent me a letter agreeing that my student loans were retroactively placed in forbearance for the months of XX/XX/XXXX and XX/XX/XXXX ; however, XXXX is refusing to remove the delinquent status from my credit report.
Consumer complaint received 2018-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

My credit report shows 90 days to 120 days delinquent status for my student loans through XXXX XXXX. After providing proof to XXXX XXXX that my student loans should have been in forbearance during the months of XX/XX/XXXX and XX/XX/XXXX, XXXX sent me a letter agreeing that my student loans were retroactively placed in forbearance for the months of XX/XX/XXXX and XX/XX/XXXX ; however, XXXX is refusing to remove the delinquent status from my credit report.
Consumer complaint received 2018-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I am a longstanding Bank of America, XXXX XXXX holder. What legal merchandise I choose to buy with any of my credit cards, bank accounts, or cash is my business, not that of any financial institution. BofA recently announced that they would block/disallow purchases of firearms that their customers in good standing attempt to purchase legally using their cards ... unbelievable! What's next? Monitoring our statements to see if we've purchased adequate amounts of brussel sprouts in the previous months? And to make matters worse, this is the same BofA that received taxpayer funded bailouts during the last presidential administration when their many Collateralized Debt Obligation investments imploded on them. As a customer of standing on this issue, I ask that this complaint, and others like it, be pursued with all possible enthusiasm. I, and others like me, are watching, and anticipating remediation, of this attempt at extra-constitutional behavior in America 's financial sector.
Consumer complaint received 2018-05-01
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have been trying to work with XXXX XXXX XXXX for over three years ; I am the Trustor to our deed of trust and have a right to answers. I filed Bankruptcy in XX/XX/XXXX ; and was in Bankruptcy from XX/XX/XXXX-XX/XX/XXXX ; the bankruptcy was successfully discharged XX/XX/XXXX ; with no debts owed. Because Countrywide had collected on the Title Insurance we purchased at closing for them in the amount of {$200000.00} ; these entities are known as " hustlers ''. In addition, they used our {$80000.00} we had in equity to securitize into a Countywide Trust ; XXXX XXXX XXXX or XXXX XXXX/XXXX XXXX XXXX. Since all there settlement agreements with the SEC, FHA and XXXX XXXX XXXX XXXX XXXX have all released the liens and the properties reverted back to the lenders and are all listed as Real Estate Owned, REO property ; which have strict Dodd Frank regulations, Pooling Service Agreement, PSA regulations as to how to remove occupants from resident through open market sales or eviction. But has instead chosen to foreclose on REO property without the authorization of the Master Servicer BofA or XXXX XXXX XXXX XXXX XXXX XXXX in which both their Power of Attorneys, PA are attached stipulating their authority and authorization ; the XXXX PA indicates Shellpoint may only ( track/monitor ) " disposition '' ; and BofA PA outright forbid foreclosing on REO property. Nevertheless, Shellpoint is illegally using their resources and agents to initiate foreclosure proceeding despite their given authority. I contacted XXXX which told me to contact the servicer because they do not get involve with foreclosure proceedings nor initiate them. You can contact XXXX by email at " XXXX '' enter our property address or any property address and they will response within 24 hours with the status of the property. In addition, REO property may indicate the property has already been foreclosed on unsuccessfully which would give the lender ownership ; this seems to be the case since the REO status was given from XX/XX/XXXX-XX/XX/XXXX. At any rate Shellpoint subservicer by law should have our complete file in which all these questions can be answered. Trying to take someone's home after nearly 20 years is a serious matter and nothing to be played with.
Consumer complaint received 2018-04-11
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (KY)

Carrington Mortgage Services {$120000.00} Opened XX/XX/XXXX Closed ( paid off ) XX/XX/XXXX This was paid in full, however is still showing " open '' on my report. I contacted Carrington and was told that they had already reported it as " closed ''. I have received all paperwork stating the payoff, returned balances of escrow accounts in form of checks, etc.
Consumer complaint received 2018-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I use Bank of america ATM to withdraw some money from my account, my bank account is a foreign institution name XXXX, on XX/XX/XXXX I used the ATM and tried to withdraw $ XXXXUSD, but the ATM automatically denied my transaction with the message " Exceed limits '' to withdraw. Due that I decide to take just {$200.00} and come back the next day. on XX/XX/XXXX I tried to get my remaining funds to complete the $ XXXXusd but this time the ATM said I didn't have the funds to dispense the money. 
I contact my bank and they said that a transaction of {$540.00} was approved on a ATM, I dispute that charge since that day but my bank ( XXXX ) initiate the investigation and a result bank of america did approved the transaction but the ATM no/no release the money. I been trying to resolve this matter with bank of america but they just don't help at all, many phone calls and visits to the branch were the ATM is located but they saying they don't have any record of my transaction and they don't give the money back is already been almost 2 months and I have not resolve this issue with Bank of America. My bank already make a dictamen saying that bank of america approved the transaction they will not do anything else. Bank of America ATM or someone in that branch keep the money and now they dont release to me.
Consumer complaint received 2018-04-11
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. (DC)

I have disputed this alleged and erroneous account currently being reported by the credit bureaus for XXXX XXXX XXXX. This isnt my first time disputing this alleged account and the time previously it has come back verified with no proof or no notification of what method of verification was used. Also the account shows inaccurate information. The spelling on this account is XXXX XXXX. My name is XXXX XXXX. As per the FCRA Section. 609 and/or Section 681 the information on my consumer report must be 100 % accurate. As the misspelling of my name on this alleged account created by XXXX  is incorrect and is being furnished to the credit bureaus ( all three ) is causing a negative impact on my reputation. Also the invasion of my personal and private affairs by XXXX XXXX XXXX seems to be a violation of consumer rights as well.
Consumer complaint received 2018-04-11
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: R.A.Rogers, Inc. (IA)

1. ) These accounts, opened in XX/XX/XXXX and XX/XX/XXXX, commits itself to a pattern of fraud that took place within a specific period of time as is evidenced by all subsequent accounts. More specifically, a XX/XX/XXXX thru XX/XX/XXXX timeframe. 2 ) The address provided to and reported by XXXX XXXX XXXX XXXX is one that XXXX XXXX has never lived at, in a State in which he has never been a resident. 3 ) Further, based upon the published requirements for membership to this credit union, XXXX XXXX would have been ineligible for legal membership or services due to : 1 ) The fact he was living abroad when these accounts were opened and utilized. ( Figure A ) 2 ) In conjunction with Item 1, XXXX XXXX status as an Iowa resident ( verified thru any and all identification documents which he has possessed that are valid and legal, would have made him legally ineligible for membership. 4 ) XXXX XXXX XXXX XXXX failed to respond in any measure to the Cease and Desist notice registered with the Civil Court of XXXX County Iowa in XX/XX/XXXX, which demanded that the aforementioned company immediately cease identifying this account with our client. That document detailed the failure of XXXX XXXX XXXX XXXX to comply with : 31 CFR, Part 1020, Rules for Banks, Subpart D 1020.410 Records to be made and retained by banks and Opening Account Procedures. The United States Fair Credit Reporting Act, 15 U.S.C. 1681, 611 The Fair Debt Collection Practices Act, 15 U.S.C. 1692 It is because of these facts, and the documentation, provided which proves that these two accounts were in no way a result of any application of our client, nor did he benefit from it in any way, that we ask that your organization immediately delete and/or block the reporting of this trade line.
Consumer complaint received 2018-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have hard inquiries that i don't recognize there are from : XXXX XXXX   I on XX/XX/2018 XXXX on XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 CAPITAL ONE XX/XX/2018 XXXX XXXX  XX/XX/2018
Consumer complaint received 2018-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (MA)

XXXX XXXX reported 9 delinquent accounts on my credit that lowered my score drastically. These loans are supposed to be under my Dad 's name as he is the one paying the loans. His phone number and home address are listed on the account. The first time I tried to resolve with the company I was rudely hung up on my one of their representatives.
Consumer complaint received 2024-10-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CARRINGTON MORTGAGE SERVICES, LLC (CO)

Carrington Mortgage Services , LLC allows the user to manage their mortgage via an online portal. When I logged into the portal I received a privacy notice notification interstitial : An Important Privacy Notice : Federal law requires us to tell you how we collect, share, and protect your personal information. Our Privacy Policy has not changed, and you may review our policy and practices with respect to your personal information by clicking the link below. Please note that by acknowledging your receipt of this information, you are not changing your opt out preferences. To limit the sharing of your information, please fill out the form in the link below and mail it to Carrington Mortgage Services , LLC, XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX. 

I was given the option to accept or cancel. Not wishing to agree to have my information to sold, I chose " Cancel '' and was promptly logged out. There is no way to manage my account without agreeing to either have my information sold or proceeding with an onerous and draconian process of mailing a physical form to the company. Since this is a mortgage servicer, I have no option to change and no consumer choice to exercise. 

Financial service companies shouldn't be allowed to sell my data without explicit permission ( opt-in instead of opt-out ) and they should not be allowed to hold my account access XXXX unless I agree to their terms.
Consumer complaint received 2018-05-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I had a very old XXXX Credit  tradeline account that was charged off in which Portfolio Recovery Associates purchased in XX/XX/XXXX. In XX/XX/XXXX, one of the representatives called and continued to harass me regarding this particular debt. Advising they would be suing etc. I disregarded the calls and it showed up on my credit report. At the time it was reporting to the CRAs as a Factoring Company,  which is a violation of FCRA because they are actually debt collectors. Also, the representative lied to me and said if I settle this debt it would be removed from the CRA. At this time it's still on my XXXX report, because of the misleading tactics I settled thinking it would clear from my credit report. It was a lie. Also, on my credit report, it still shows under creditor classification is " unknown ''. I believe this a deceptive practice in order for me to collect on a bad debt that was well past the statute of limitation. I feel my customer rights were violated.
Consumer complaint received 2018-05-01
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC. (FL)

Company ( Ally Financial ) calls from various numbers using spoofing techniques to emulate numbers I have saved as personal contacts Company calls from BLOCKED phone numbers and does not leave message informing me what they are calling about XX/XX/18 I have been in contact with company to make payment arrangements due to a recent new job. Informed them of when my paycheck would be so I can make payment next day. They indicated they would notate my account and hold off on late fees. 
XX/XX/18 Company called from BLOCKED number, did not leave message XX/XX/2018 Company repossessed car between XXXX XXXX and XXXX XXXX, did not leave notice of repossession or company. I thought car was stolen. Called police to create police report. Called auto loan to inform them of theft and thats when they informed me of repossession. Added {$400.00} repossession fee as well as {$200.00} " re-key '' fee even though car has been in their possession less than 8 hours. Escalated problem to manager and he was abusive, vague and incorrect on the facts of my issue.
Consumer complaint received 2017-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IL)

I have disputed credit results on Equifax. They have refused to send me my dispute results. I have called multiple times and been told various stories. By law I should have gotten my results within 60 days. It has been over 8 months and I still do not know my results. When I call I speak to people that are unaccommodating, with heavy accents. I have found that majority of the managers and representatives have improperly recorded my previous conversations, so I have to start from scratch with each conversation. I want my results asap. No more excuses blaming the United States  Post Office ( w hich has consistently mailed me my   XXXX    &    XXXX    results ) for their shortcomings. I WANT MY REPORT MAILED TO ME NOW!
Consumer complaint received 2018-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I called all 3 credit bureaus about several inquiries that were not mine and a few that were duplicates listed in my report. I disputed these results and every time I call in they tell me there is no dispute. XXXX  told me I had to dispute directly with the company that did the inquiry. I sent notices to them and did not receive communication back. I updated XXXX on XXXX18 as well as Experian and XXXX  and was told they could not help me. I have 45 inquiries on my report and only 6 are mine and accounted for. All 3 credit companies will not aide me in the removal process.
Consumer complaint received 2018-04-10
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. (CA)

On XX/XX/2017 someone used my identity to open a XXXX account. I immediately contacted XXXX and filed a fraud report. XXXX closed the account but the hard inquiry is still on my Equifax report even after XXXX reported it as fraud.
Consumer complaint received 2018-02-22
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)

XXXX XXXX is reporting this account as charged off in a chapter XXXX bankruptcy and the account as closed. This account was never included in my chapter XXXX and was paid on time on the outside of chapter XXXX. The account is open and being paid in a timely manner as agreed.
Consumer complaint received 2018-04-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A. (OH)

On XX/XX/XXXX, I made a {$10000.00} electronic payment from my checking account to pay down a portion of my existing Home Equity Line. This {$10000.00} was never applied to my {$75000.00} balance on the Home Equity Line. During the same week, we refinanced the HELOC with the same bank & they opened up a completely different account. However, they transferred the full {$75000.00} and did not reduce by the {$10000.00}. I have repeatedly called their loan department, as well as my local branch, and they keep saying that they have a new system and are having issues. They acknowledge that the money was never applied to my account. As of today ( XX/XX/XXXX ) ... almost 1 month 1/2 later ... .I still do not have the {$10000.00} either in checking cash or applied to the HELOC. I understand under the Expedited Funds Availability Act that  this is illegal.
Consumer complaint received 2018-05-01
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (FL)

Santander consumer usa XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX i have gotten a car loan from them on XX/XX/XXXX and still paying on this loan as of this day. i had one previous problem in my family where my husband had lost his job back in XX/XX/XXXX i explain this to them how ever they didn't care and still until this day still don't care about any one. ever sense then we haven't miss another payment after my husband got a good job so i kindly ask them to please remove those late payment from of our credit report. because we are in the process of buying a house. and its affecting us, unfortunately the answer was no. 
it should be illegal for a company like Santander to do this to there will paying clients it was a verse time in our life and they took advantage of the situation, i don't remember how many time we were late but on some the credit reports they are reporting 5 time and others 6