davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ARS National Services, Inc. (AR)

PLEASE BE ADVISED THAT I GOT MARRIED AND HAVE CHANGED MY NAME TO XXXX XXXX XXXX, ON XXXX XXXX XXXX ACCOUNTS WHERE XXXX XXXX XXXX XXXX XXXX PLEASE FURNISH HISTORIES IN TRADELINE AND SOL EXPIRED. OLD NAME XXXX
Consumer complaint received 2021-03-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF HAWAII CORPORATION (CA)

PROBLEM : Received 2 late payments charges of {$25.00} each ( one in XX/XX/XXXX and the other in XX/XX/XXXX ) from the same Payee. 

DETAILS : Recurring payment to the Payee were designated for BOH to send the payment on the XXXX of each month. 

Both payments were received after the due date of the XXXX of the month ISSUE : Unlike every major banking institution I've used, Bank of Hawaii Bill Pay " service '' does not provide a deliver by date field on their bill pay platform. BOH tasks their customers with calculating the correct date for BOH to send the the payment. The documents required for each customer to accurately determine the correct send by date are as follows : - A published list of all observed Bank holidays that specifically affect the bill payment process ( none can be found on their website ) - A comprehensive list of the policies of their bill process ( for instance, when a recurring payment send by date falls on a holiday or weekend, BOH, unlike all other banking institutions I've used, inexplicably sends the payment the day FOLLOWING the weekend or holiday instead of the day preceding ). This is nowhere to be found as well. This also requires that BOH provide continuous and timely notifications to their Bill Pay customers as any changes to the policies, holidays observed, etc. will require BOH Bill Pay customers to recalibrate ALL future recurring payments to ensure they have provided BOH with the right date. 

There is no indication on the bill pay platform as to when BOH confirms a particular payment will be received. 

Instead, BOH provides this apparently incorrect guidance on their website https : //www.boh.com/online-mobile/ebankoh : " **Payment must be scheduled at least five business days in advance of due date, not including grace periods. '' BOH does NOT go on to define what a " grace period '' is. 

STEPS I '' VE TAKEN TO ADDRESS THE LATE FEES : XX/XX/XXXX I sent an email to BOH Customer Service outlining the above and requested they credit the late fees back. 

Since that date I've received responses that simply tell me to plan in advance for payments and a refusal to to credit me for those late fees. 


SUMMARY : My stance is that BOH is placing an enormous and unnecessary burden on their customers to calculate the send by date for Bill Pay without providing the necessary documentation to accurately calculate the date.

BOH should be frontloading all their policies and requirements into the logic of their Bill Pay platform and calculating the send by date themselves.
Consumer complaint received 2021-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

on XX/XX/XXXX I checked my Bank of America checking acct to pay my bills, rent, etc with the stimulus and economic hardship money I received along with unemployment only to notice {$3400.00} was debited from my acct on XX/XX/XXXX. I made appointment with bank to discuss issue. Spoke with XXXX who got bank mgr involved along with XXXX XXXX on speaker phone. There was a balance left on charge-off fraudulent auto loan back in XXXX with Bank of America and they took the money leaving me with a {$100.00} balance in the middle of a pandemic that me and my family is struggling from. This fraudulent charge was removed from my credit and from my bank statements on my acct and almost a year later later this occurs which I thought issue was resolved. Also I was informed this is illegal to do because of pandemic order signed by the President and further more Bank of America is a Federal Bank which makes it illegal to do.
Consumer complaint received 2021-03-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

While I was closing on my house, my real estate agent asked me to wire the closing funds to Bank of America ( {$48000.00} ). She sent me the email with the bank name and accounting and routing number. My agent told me she didnt see the money. I called Bank of America to ask them, they told me they will the funds in a secured account. My bank XXXX XXXX XXXX XXXX advocated on my behalf and Bank of America returned approximately {$18000.00}. I am still trying to find out what happened to the rest of y money. Bank of America will not respond.
Consumer complaint received 2021-03-12
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Shellpoint Partners, LLC (AZ)

I filed a complaint XXXX with cfpb against Shellpoint Mortgage Servicing. They did respond and asked me to call XXXX XXXX at XXXX with any questions. I called 3 times and left 3 messages also there was no Email provided by them. They never responded.

I only have 3 questions to ask them. 

Do they have transcripts of the phone conversations made in their response? We requested that during these calls be recorded. Can they provide us with these transcripts. 

Did they ever commutate with us about confirming our home address during this time period? All their correspondence was delivered to the wrong address past the forwarding period by the USPS. 

Why was their law firm able to deliver al our summonses about the foreclosure to the correct address?. 

These actions on the follow-up of this complaint is typical of all our communication with Shellpoint.
Consumer complaint received 2021-03-12
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. (LA)

Equifax ; XXXX and XXXX should not be reporting that I am ( 120-180 ) days late on the XXXX XXXX  partial account number XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted Fed Loans, as well as the bureaus to fix this however, I have not been successful.
Consumer complaint received 2021-03-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

XX/XX/XXXX Account XXXX XXXX XXXX XXXX original owner Capital One vs. XXXX XXXX My goal is to omit this debt on an account I NEVER opened or knew about until I checked for issues regarding the XXXX Data Breach last year. XXXX XXXX XXXX and the original owner Capital One are becoming criminals at this point. I have tried calling, certified letters, the CFPB, and other avenues to no avail. The printed documentation is well over an inch thick. The list is lengthening regarding their negligence on this matter simply because I am the little guy. It took over 14 reply letters alone and several agencies to even receive the requested validation items on this account. Capital One can not even supply me with the original application for this account that was opened under my name without my consent. 
Abbreviated Correspondence List Below : Five CFPB complaints ( ignored ) Two FTC dispute letters ( ignored ) Two validation letters ( ignored ) Received 20 and counting unreliable and incomplete reply letters from Capital One and misc. companies regarding this account.

I sent several dispute letters to all three credit bureaus, which ( successfully removed all debt from the credit agencies ).

Recorded Audio : I tried to negotiate on XX/XX/XXXX and was insulted by the $ amount XXXX wanted to demand me to pay with no credit report incentives. There seems to be no working with XXXX XXXX XXXX for a fraudulently opened account for removal on a fair amount. 
Capital One can not provide me with the original online contract. However, they had stated that all of the information was correct. How would they know if they do not have the documentation to refer to? This sort of fraud leads me to believe that there is NOT the correct information in the original appliacation. However, now we will never know. 
The original debt information per the records sent to me was left at only a total of {$58.00} that is actually owed on this account. The debt for this account had increased due to interest and charges not of my neglect. A {$120.00} payment with the terms requested is above and beyond an acceptable amount for this account. 
Two certified pay in full letters XXXX XXXX and one to Capital One XX/XX/XXXX and XX/XX/XXXX ( ignored ) Reply letter Capital One this letter said nothing and was incredibly stupid regarding nothing meaningful about the account again. They opened an account without my knowledge then sold it to different entities. 
XXXX XXXX XXXX 's reply letter was the same regurgitated letter they always send.
Consumer complaint received 2021-03-12
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. (FL)

EQUIFAX has somebody else 's medical debt listed under my credit file. I have called the XXXX XXXX XXXX listed on my report, and they stated they have no record of me, or any debt for me. It is not mine. It is a health care bill, and i receive free healthcare from the dept of veterans affairs, and there is no way it could be me. This is causing me some stress and I don't know if there was a breach or someone stold my identity. I have a fraud alert, and credit freeze on file with equifax, yet there is somebody ele 's debt listed under my name. I want it fixed asap!
Consumer complaint received 2021-03-13
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 — Investigation took more than 30 days
Company: Paramount Recovery Systems, L.P. (OH)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2021-03-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (SC)

I contacted Amerisave on XX/XX/2020 to refinance my home loan. We did not want to take money out of the value of the house. We requested 15 year fixed low interest rate. All the paper work was completed in XX/XX/XXXX. Then the excuses began. 1st could not go forward without a home appraisal when in XXXX that requirement was waved with the loan originator. So we agreed to have the home appraised as long as we were credited the fee back in the close of the house. We had agreed to go with Amerisave BC the home appraisal & fee was not a requirement to refinance. It took until XX/XX/XXXX for the appraiseXXXX to come to the home and do the appraisal. Then it took the completion of the appraisal paper work to be returned until XX/XX/XXXX. We were asked again to summit a third proof of pay check which we did on XX/XX/XXXX. Now after additional week we have yet again to move forward in the process for closure of the loan. And no one with return phone calls or emails. So I am fed up. I am reaching out for your assistance. I am asking that we be refunded the XXXX we paid for the appraisal.
Consumer complaint received 2021-03-13
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NAVY FEDERAL CREDIT UNION (SC)

Navy Federal Credit Union continue to send me letters and illegal tactics affecting my credit report. I have closed all my charged off accounts with Navy Federal Credit Union since 2012 and they continue to report to the credit bureau that those accounts are open. Accounts are unsecured loans that were charged off since 2012. I continue to received letters in the mail, that I paid XXXX to those account and I didnt. They are illegally keeping the accounts open.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX Account # : XXXX XXXX BANK XXXX Account # : XXXX XXXX AND XXXX Account # : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

Pursuant to section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. If you have any questions, please do not hesitate to contact me for more documentation or information at XXXX
Consumer complaint received 2021-03-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated (TX)

I recently disputed a medical account with this company in to validate an account on XXXX In which they received by mail on XX/XX/2020 at XXXX XXXX and still to this day I have not received a single letter for them. This is very unprofessional from a company to not respond to a request, and this is over 4 months old, and I've been patient enough and now I want answers I want them to validate this debt I have with their company. I asked them to provide my HIPPA release because I understand that the HIPPA does allow for limited information about me, but any details may only be revealed with the patient authorization, but I do not remember signing for them to release my medical information to any collection agencies including this one. 

I want them to provide a copy of my signature with the provider of service to release my information to this company. I will provide proof of documentation that I sent the company and will provide the certified Mail receipt with tracking number so you can review I feel disappointed having to wait over 4 months and never to be responded to.
Consumer complaint received 2021-03-13
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LendKey Technologies, Inc. (GA)

LendKey will not allow you to make a payment on your student loan towards the principal and interest unless they have generated an invoice for that month 's payment. On XX/XX/2021, LendKey generated an invoice on my account for the XX/XX/2021 payment. On XX/XX/2021, I made a payment on that invoice. On XX/XX/XXXX, I received a delinquent notice for that invoice. I contacted Lendkey immediately and spoke with XXXX who is a supervisor. He said the payment must have registered before the invoice which does not make sense because the invoice was already on my account before I made the payment. XXXX said he would have LendKey apply the XX/XX/XXXX payment to the XX/XX/XXXX invoice. I checked my account today, and instead of applying the payment on XX/XX/XXXX, the date that I made the payment, Lendkey applied that payment on XX/XX/XXXX which is 27 days AFTER I MADE THE ACTUAL PAYMENT. This is grossly unfair because I should not have to incur 27 days of interest when I made this payment on time.
Consumer complaint received 2021-03-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (MI)

About mid XX/XX/2021 I received a letter in the mail stating if I paid them a reduced price then the debt would be considered paid off and would be settled. I arranged for payment and was paid for deletion. It has now been 2 months and it is still reporting on my XXXX credit report.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is absolutely distressing to know that my rights as a consumer is being violated. I value my credit score a lot and the errors on my credit report has negatively affected both my financial opportunities as well as my XXXX  health. I've been trying to fix this for some time and my requests kept getting disregarded and ignored in correcting these errors and my concerns regarding the inaccuracies on my credit report which has been stressing me out as my new credit applications are being denied because of these.
Consumer complaint received 2021-03-12
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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I filed a dispute with XXXX Credit Bureau regarding inquires on my credit report. 

It has been well over 30 days and I have not received any investigation results from XXXX regarding the inquires.
Consumer complaint received 2021-03-12
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. (IL)

RE : XXXX XXXX XXXX XXXXXXXX - I was never late on this account, To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation of status of account. Under FDCPA I have the right to request validation of status of my account. you say I owe you. 
This is NOT a request for VERIFICATION or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation
Consumer complaint received 2021-03-12
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. (IN)

I have been a victim of identity theft the following accounts have not been authorized nor have i given written consent. All of the accounts are indeed fraudulent and they are damaging my reputation and is a infringement of my privacy. please see attachment and remove all accounts listed.
Consumer complaint received 2021-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL (AZ)

My wife passed away on XXXX XX/XX/2021 on or about XXXX XX/XX/2021 I notified Lowes/Synchrony customer service number XXXX and was connected to Synchrony bank " OFF-SHORE '' call center that my wife had passed away as this was a joint account they did not ask for a copy of her death certificate but said they would verify independently through other means, On XXXX XX/XX/2021 I entered Lowes store in XXXX AZ and attempted to purchase some items I needed for some home repairs and my Lowes credit card was " DECLINED '', I went to the customer service desk and was told when they checked the account that it was closed with no mention of any thing else. 
I called Lowes/Synchrony customer service and requested to talk with a manager and then they finally transferred my call to another person in their " Probate '' center who told me yes they reported my wife 's passing and in addition they had reported my death also to all three credit reporting agencies without any evidence that what they did was in fact true. I contacted XXXX and XXXX  and filed a dispute with both of them and was told that this could take up to 45 to 60 days to get corrected. My wife 's death certificate has not been issued by the XXXX county coroner as of XXXX today XX/XX/2021 also my wife 's obituary was not published in the XXXX  XXXX XXXX weekly paper until XXXX XX/XX/2021. This will seriously impact on my ability to finnish all my wife 's final arrangement if I am listed as deceased by all three credit reporting agencies that have not conducted their due diligence and published totally false information on my credit report and want to drag their feet in correcting this. All the other creditors that my wife and I have asked for a copy of her death certificate or the name of the funeral home that was taking care of my wife 's funeral. I am possibly considering retaining an attorney to take them to task for their errors.
Consumer complaint received 2021-03-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (VA)

Round Point Mortgage has not been forth coming with information about processing my loan payments is giving me the run around about setting up a bi weekly payment. 
History : - Mortgage was sold to Round Point from XXXX XXXX - I immediately tried to setup a bi weekly process and filled out the proper form provided. But then was told it was not setup because it the date was wrong. 
- On XXXX ( ish ) I was called by Round Point to verify and correct the date, I was not aware of a correction that was needed till then. I corrected this over the phone and my bi weekly payments were supposed to start on XX/XX/2021. 
- I called Round Point today to verify that everything was setup to find it was not even thought it was supposed to from over 3 weeks ago. 
- I went to their escalation team and was told I would have an email verification of the resolution and now nothing.
Consumer complaint received 2021-03-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (FL)

I am XXXX years old and have XXXX XXXX XXXX XXXX high, l am a retired XXXX XXXX and my salary is XXXX and l can not pay. I worked as XXXX XXXX XXXX but now because of Corona nobody comes I hope they forgive me that loan