davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-24
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I contacted Capital One to inform them that I lost job, unable to make payments for my account. Therefore, I was enrolled in the Hardship & Assistance Program. Initial enrollment details given were that program pauses the account for any fees and do NOT report to on credit report nor to credit bureaus for several months or cycles. However the information given was inaccurate and misleading of the program offers. After checking my credit report few weeks later I discovered it report so I contacted Capital One regarding the inaccurate info given that resulted in a poorly negative reflection on my credit report tremendously dropped approximately XXXX. due to the inaccurate information the product offered. Finally, I contacted Capital One to make an payment for the account. If the information was accurate and correct initially there would NOT be confusion and a payment would have been made, the customer service and Mgmt. Team they quickly understood the situation and responded quickly by disputing the inacurrate delinquent report but have yet to receive any correspondence. Since then, I have contacted Capital One on several occasions but was once told there has n't been correspondence recieved and instructed me to contact the credit bureaus. 

Thanks, XXXX XXXX XXXX XXXX
Consumer complaint received 2015-04-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

My escrow account decreased thereby decreasing my mortgage payment and Bank of America 's Branch Office located on XXXX XXXX XXXX, XXXX, NJ XXXX will NOT accept my payment. The representatives claim that I am paying LESS than what the mortgage payment due is as shown on their computer system. I have explained each time to the drive-thru employee that my Escrow Account was adjusted and I am remitting the full monthly mortgage payment for XXXX XXXX, 2015. They refuse the FULL payment each and every time. I have appeared on numerous occasions which began on XXXX XXXX, 2015 and today, XXXX XXXX, 2015, was my last attempt and the payment was rejected again. I now assume that BOA does not want my mortgage payment for reasons unknown to me. If I do not make a payment, BOA will ruin my stellar credit. Please note that when I attempt to make a payment, I utilize the payment stub that Bank of America provided to me in XXXX, 2015, with my new Escrow Analysis. 

Also, in prior months, when BOA receives my mortgage payment, they continue to place the full amount in an account for mortgage modification when I did NOT accept their modification offer. I must then call each month to demand that they correctly apply the payment to my mortgage account. 

Does BOA want me to pay my mortgage or not?
Consumer complaint received 2016-06-08
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Arcadia Holdings, LLC (NY)

they 've been calling me for four mounths. I tried to cooperate and pay with them as long as they are legitimate company, First 2months i had no idea, so i asked them to wait me to figure it out from originally generated debt company. they didn ; t let me and pushed me to pay over the phone right away, also i asked them to talk in paper as well but i havent got any paper so far. 
AND i found CFPB to get some information to take care of it today the guy named XXXX XXXX call me and i asked company info, address, and lisence number. 
He REFUSED it BUT he has my information ( dob.address.and so on ) I don ; t want them to call me and get rid of my info thank
Consumer complaint received 2015-12-22
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I have a loan with Bank of America. I 'm self employed so my income varies each month. Over the summer, I fell behind in my payments but was always in contact with the bank. I knew during the fall I would be able to catch the payments back up again and submitted for a loan modification. I could 've asked for a forbearance but I was never advised nor was I told I told a letter of intent was supposedly sent. I open and still have every piece of mail during this time never did I receive an intent to foreclose or notice that my property was in foreclosure. In XXXX I received a call from a Bank of America representative stating my property was in foreclosure. I know there is a process where I 'm allowed to be heard in court. I did not receive any notice from court or the bank. My modification was submitted in XXXX. I kept in close contact with my representative an even told him I could now send in a few payments. He told me the bank would n't receive them at this time. I can only pay the full amount plus interest and attorney fees. On XXXX XXXX the Bank of America representative called me and told me my loan was denied because they could n't find a program for me. I know that Bank of America just settled a law suit for doing this kind of thing to home owners. I am a single mother who 's divorced and really want to keep my kids in the only home they know. I asked the representative if I could do a forebearance or put the payments or some of them on the back of the loan he said no since I 'm in foreclosure and putting the payments towards the back is a loan modification which I do n't qualify for. I asked how can I not qualify now when I just qualified earlier this year.
Consumer complaint received 2016-09-27
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (FL)

I finally after 10 years of fighting got approved for my modification with Wells Fargo, however they approved me for a modification of {$290000.00} the amount my house was appraised for. The payments are {$1500.00} at 2 % then they go to 3 % after 7year and are fixed. When I made my trial payments of the {$1500.00} they sent me the modification mortgage to sign and the principle balance is now {$640000.00}! My home is not even worth {$640000.00}! I want this investigated. They are committing fraud. I thought this would be over and I would finally get my new modification. Then they send out XXXX payments amounts. I have attached the documents. My name is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Fl XXXX
Consumer complaint received 2023-07-27
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: I.C. System, Inc. (TX)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. The balance on my credit report is not the same balance I have with the original creditor. Furthermore, I was never sent correspondence notifying me that this account was sold to IC SYSTEM INC which is another violation. I received nothing in the mail leading up to this collection being reported. This account was added in XX/XX/2023. I am requesting a copy of the correspondence mailed to me during that time informing me that I had a debt with your company. If you can not provide this, then that is another violation. According to the FDCPA Im entitled to XXXX dollars per violation. I demand this company to delete this account from all XXXX credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney.
Consumer complaint received 2023-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am reaching out regarding several concerns with my credit report, such as incorrect account entries, an unfamiliar collection, unauthorized credit inquiries, and inaccuracies in reporting. I need your help in resolving these issues to ensure my financial stability.
Consumer complaint received 2016-07-16
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

Roughly 3 months ago I set up our Kohl 's " credit '' card ( I believe they claim to be something else for legal purposes ) for automatic payment on their website. Over the last 3 days my wife has received a call a day from a computer claiming to be Kohl 's and insisting that she enter part of her social security number. This of course is the *definition* of a fraudulent call, compounded by the fact that Kohl 's POS systems were very recently broken into and information stolen. When my wife called to alert them to these robocalls, it turns out that these calls were to notify us that our card was past due, with a {$25.00} fee etc. After bullying my way through customer service ( after the XXXXline in XXXX told me that the XXXX line would refuse to take my call ), the late fee was scrubbed, the balance paid off, and the account closed permanently. 

My complaint is twofold : 1 ) Their autopay system silently failed to operate, and while talking with customer " service '' I found that the website shows no hint of autopay even existing. The agent claimed that if the account is in arrears it wo n't allow changes to autopay, but that 's very different from the autopay being completely scrubbed from the site. 
2 ) Their automated phone system requires the customer to enter part of their social security number over an unsecured channel. This " standard practice '' of theirs is the worst possible method, as it sounds like a fraudulent call. I strongly suspect they actually *want* it to sound like fraud so people will ignore it and end up with even more late fees. The industry-standard method is to tell the customer to call back at a given number, or best case tell the customer to " call the number on the back of your card '' because a fraudulent call can just as easily give a fraudulent call-back number. 

The account in question is permanently closed ( I have had more trouble with this XXXX card than with the sum of all other cards I 've ever had ), but their practices live on and they give no indication that they are willing to correct them. " Passing your concerns along '' is the polite way of saying " stuff it '', thus my formal complaint with an entity that may have some power to actually do something about it.
Consumer complaint received 2021-04-26
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. (GA)

I am reaching out to seek the deletion of the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.After praying not to suffer as a victim much longer so I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2016-06-02
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NJ)

Denied for HAFA without proof of appraisal. We submitted a an appraisal of the property for a HAFA short sale to Wells Fargo that came in at $ XXXX. Wells Valued the property at {>= $1,000,000}. Wells then said they re-appraised it and said the property value was still too high but did not give me us a number. The payoff on the first mortgage is around {$110000.00}. We have an offer at {$100000.00}, which should make the homeowner eligible for HAFA. Wells has now countered back and say they need to net {$110000.00} with no valid reasons except investor demands? I think they just do n't want to do a proper HAFA short sale. The homeowner has two egregious home equity, open-end mortgages.
Consumer complaint received 2023-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Under the FCRA. The three major reporting companies failed to provide proof of their investigation ( 15 U.S. Code 1681i ( 5 ) ( A ) ( i ) ( ii ), failed to accurately verify that the NEGATIVE Information reported belonged to me and failed to keep correspondence with the address provided.

Since no information was accurately verified, I demand that all NEGATIVE accounts permanently be removed from my report that is hurting me financially. Im prepared to pursue legal action for damages No consent ( permissible purpose ) on my behalf was never given to report anything to my consumer report List of negative items that was unverified in the supporting documents
Consumer complaint received 2023-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It has come to my attention that the three Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with an accurate and updated credit report immediately. With that, I am asking for your assistance to delete or remove these inaccurate items from my credit file : XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Consumer complaint received 2016-07-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

They would remove the inquiries then they would put them back on, I do n't know why they would do that, only Trans union and Equifax are the ones that keep doing it. I have some letters from some of the creditors letting me know that they have requested that the inquiry be removed. I let them know that I did not apply for credit for any vehicle at any XXXX XXXX they ran my credit 17 times in one day, at one time I had worked to hard to build my credit no way would I consent to this. They are all on XXXX XXXX, 2014 with XXXX on XXXX XXXX, 2014 I have asked them to remove them I have written all the creditors as well as the credit bureaus and still they do the same thing please help me I am at a lost here. If the other creditors know this was not me then they should to I have written all of them.
Consumer complaint received 2016-11-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

Since XX/XX/XXXX, I have been requesting from Equifax to provide me with written proof of the incorrect information it provided to XXXX when I applied for a credit card. The only response I have received from Equifax has been completely ambiguous and no proof has been yet submitted. The response I received on XX/XX/XXXX, makes no sense at all. It actually does not addressed my request to provide me with the names and accounts of the credit unions past due and too high. I also want to know how Equifax arrived to the determination that my credit score was XXXX. By law, I am entitled to have this information provided to me. Please see attached correspondence I forwarded to Equifax. I also sought assistance from this organization as well, but the issue was never resolved.
Consumer complaint received 2015-10-16
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XXXX/XXXX/2015 on TRANSUNION credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
Consumer complaint received 2017-01-16
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (CO)

I opened an installment loan with Wells Fargo around XX/XX/XXXX for {$20000.00} which has an interest rate of 7.24 per annum. They believe that the per diem rate is {$3.00}, according to my statement dated XX/XX/XXXX. 
After receiving several months of activity I noticed that the payments of interest on the loan were increasing rather than going down so I went to the bank and my personal representative contacted the loan dept and after a couple of hours, the verdict was that their figures were correct due to the times that the interest was paid with different periods of time between the dates ... 
I allowed a couple of weeks for them to contact me to allow them to make any corrections to my account which was not done. 
I then went to a different branch of the bank and complained again of, what I feel is a terrible error in the way their computers are programmed, which is bilking thousands of dollars from their customers. 
Again, they explained to the gentleman with whom I spoke that there, was in fact, no error ... however, my XX/XX/XXXX payment dropped from {$92.00} from {$130.00} for the interest due XX/XX/XXXX. No other changes have been made, so far to my account for the " overcharges ''
Consumer complaint received 2015-04-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc. (CA)

The agency that keeps calling hangs up every time I answer our COMPANY TELEPHONE. I have called back due to our caller ID and it turns out to be a credit card company who keeps calling for XXXX of our FORMER employees which I have stated to them. They tell me they will remove our number and do not do it. This is becoming a problem because they will not stop HARRASING us.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I reached out to the credit bureau regarding credit inquiries and a collection account that is not mine, and I did not authorize. 


According to 15 USC 1681- it is defamation to my character and livelihood.
Consumer complaint received 2017-03-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I had a loan with Bank of America for roughly {$1600.00} a month, then experienced I a job loss due to the economy. I applied for remodification and became employed again during this application process. BOA kept stating that the documentation that I was sending was out of date range or that they did n't receive it or that it came through but was legible. Basically they were stalling the remodification process. My boss even got on the phone with them at one point because he saw what they were doing and said he witnessed the paperwork being sent on multiple occasions. Later I read in the news that during a lawsuit it was discovered that workers testified that they were told purposely do that to customers to increase total amount due. Well I got my Senator involved and the loan got transferred to XXXX and was modified to {$1300.00}. I was told if all payment were made that the loan would be permanently modify. Well not long after I completed all the payments BOA took the loan back and said that XXXX miscalculated the payment and that the taxes were thousands of dollars behind. They gave me two options : pay the money in one lump sum or have it added onto payment. I did n't have that kind of money so I picked the second option. BOA then increased my payment to {$1700.00} a month which is more than the original payment ( {$1600.00} ) amount that I needed modified. Not really much of an option. I called them ( boa ) and they said there was nothing they could do about it and the blame belongs to XXXX. This is not right to do to me. Now they ( boa ) have given the loan to XXXX who is about to put me into active foreclose because I could n't make that new high payment of {$1700.00}.
Consumer complaint received 2023-07-27
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. (TX)

The reporting agencies known as Experian, XXXX, and XXXX continue to report inaccurate information about my credit account known as XXXX XXXX XXXX XXXX. The account is being reported as charged off and with several late payments. I have sent several letters and proof to the reporting agencies and have not gotten them to update the account or remove it. Under the Privacy Act of 1974 I the federally protected consumer have the right to opt out of any of my non public information from being reported without my consent. Additionally the reporting agencies are required to send me opt out notices every XXXX days, I have not received any notices. The reporting agencies are not reporting the same information for this account, which is also a violation of the Fair Credit Reporting Act which states they must maintain 100 % accurate information. This account is not charged off it has been discharged as agreed upon.