davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: DISCOVER BANK (IL)

I had a home equity loan with Discover Bank for {$75000.00}. In both the Loan Estimate and Closing Disclosure, it states under " Prepayment Penalty '' that there was none. I was also told this verbally. However, in a later set of documents it does describe a prepayment penalty if paid off within 36 months. I believe this discrepancy between the documents is deceptive. I believe I was lead to believe that there would not be a prepayment penalty and was surprised to find this {$420.00} penalty in my payoff letter. I spoke with a representative who agreed that it was misleading then a supervisor who noted that it was in another document which I signed. I told him I felt deceived but he was not willing to refund the prepayment penalty. I'm curious as to how many other people they are doing this to.
Consumer complaint received 2019-08-17
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. (CA)

You need to get this XXXX off immediately as it is not authorized and damaging to me and may be actionable for statutory damages and punitive damages ... XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX
Consumer complaint received 2019-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo could not pin-point of the itemized charges on our Visa Card. All WF did was sending voluminous ( 20 pages each time ) papers ( not its regular monthly statements ), It was arbitrary and irregular. Why we're forced to pay the arbitrary amount 'fabricated ' by Wells Fargo Visa ? There seems to be elements of their being maliciously creative. 

On hindsight, it might be unauthorized charges done by XXXX XXXX. But WF never clarified and gave us a chance to rebuke as a Credit company should do. 

XXXX XXXX is reexamining its incorrect report on its incorrect report.
Consumer complaint received 2019-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc. (TX)

Updated CONNS CREDIT CORP Account XXXX The item you disputed has been updated, which may include an update to the disputed information. Please review your report for the details. 
Hide Details After Before CONNS CREDIT CORP Account Name XXXX Account Number Secured Loan Account Type Individual Responsibility XX/XX/XXXX Date Opened Closed. {$2500.00} written off. 
Status Updated XX/XX/XXXX $ XXXX Monthly Payment {$3100.00} Original Balance {$0.00} Highest Balance 30 Months Terms {$0.00} Balance Updated XX/XX/XXXX {$0.00} Recent Payment Amount I have try disputing this item with conns numerous period of time someone went into they store a location thats no longer open someone working for them let someone used my information after my wallet was stolen and get items in my name which was fraud i fax over the police report to conns coporate got no response but they written the account off but they still reporting it to my credit.
Consumer complaint received 2019-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Signature Bank (NY) (NY)

XXXX XXXX has not provided me with my statements from XX/XX/2018 to date. Also impeded my request to switch to online banking.
Consumer complaint received 2019-01-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA (TX)

After filing bankruptcy and getting correctly discharged, I was told by my lawyer that I was eligible to have my student loans deferred within a forbearance for up to 5 years. My lawyer stated that this type of forbearance was sent in seeking the full 5 years. This was completed at the start of my Bk on XX/XX/XXXX then on XX/XX/XXXX I received a message that my payment was pretty much due immediately. XX/XX/XXXX. I immediately called regarding this, Luckily I still knew my account information log in and checked my old password because one would think something as serious as this would be more of a notice AND sent within mail correspondence. 

They have my correct number and address but choose to send me an email instead. I am having problems with XXXX XXXX : 1 ) the above is where the deceptive practices began. 
2 ) next after speaking to their customer service rep they simply told me to send in my bankruptcy paper work and they will get back with me. ( Saturday XX/XX/XXXX ) 3 ) I called back on Monday XX/XX/XXXX because the payment was due very soon. At this time the other rep had no idea of the my very sensitive paper work went to and who was reviewing it. Then advised me to also apply for a general 3 month forbearance. No one knows what they are doing! 
4 ) XXXX is attempting to ruin my fresh bankruptcy because which will cause direct harm to my financial lively hood due to their unprofessional, disorganized approach to handling my profile. 
5 ) this loan showed discharged in bankruptcy within my discharge paperwork.
Consumer complaint received 2019-01-08
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)

Credit Bureau is reporting fraudulent information to my credit report that does not belong to me. Per the Federal Fair Credit Reporting Act it's illegal to report information that belongs to somebody else, on some one else credit report.
Consumer complaint received 2019-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Herbert P. Sears Co., Inc. (TX)

I filed a complaint with the CFPB on XX/XX/2017 regarding the company HP Sears reporting inaccurate information to the 3 major credit bureaus. The complaint number is XXXX. 
The company responded the following on XX/XX/2017 : Our records indicate that substantiation of the debt was mailed to you XX/XX/2017. On XX/XX/2017 our client close your account with our office do to non payment of the debt. We sent all three credit bureaus instruction to delete this matter from your credit history on XX/XX/2017. We have verified with XXXX that this is not on your credit history any longer. If you have ran your credit report and this item still remains please contact our office for further assistance with the removal. 

The reporting has since returned back to my credit file with the credit bureaus. 
I am requesting that all references to this account be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
Consumer complaint received 2019-01-07
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. (VA)

There is a balance of XXXX from XXXX XXXX ON MY EXPERIAN MY XXXX   AND MY XXXX  CREDIT REPORT WHICH WAS PUT ON MY CREDIT REPORT XX/XX/2018. THE AGREEMENT BETWEEN MYSELF AND XXXX WAS I WAS GOING TO PAY THE XXXX TO THEM ON XX/XX/2018. I CALLED XXXX ON THE PHONE AND TA ; LK TO A REPRESENTIVE AND I EXPLAIN THAT I DIDNT HAVE MY ACCOUNT NUMBER WHEN I MAIL MY CHECK OF XXXX TO THEM. I MAIL IT BY UNITED STATE POST OFFICE TO THE ADDRESS WHICH I SAW ON THERE WEBSITE WHICH WAS XXXX XXXX XXXX XXXX NEW JERSEY XXXX ON XX/XX/XXXX IN THE XXXX. ON XX/XX/XXXX I RECEIVE ALERT FROM EXPERIAN THAT I HAVE A COLLECTION ON MY ACCOUNT. SO I WENT TO VIEW MY ACCOUNT I SEE A XXXX ACCOUNT WITH A BALANCE OF XXXX PAST DUE IN COLLECTION. I CALLED XXXX THE NEXT DAY ABOUT IT AND THEY SAID THAT THEY DIDNT RECEIVE MY PAYMENT AS I EXPLAIN TO THEM I MAIL IN A CHECK TO THEM AND MY BANK HAS NOT CASH THE CHECK I ALSO EXPLAIN TO THEM THAT I HAVE NOT RECEIVE ANY EMAILS OR LETTERS FROM THEM CONCERNING THIS ACCOUNT WHICH THEY DIDNT CARE ABOUT IT. I EXPLAIN TO THEM THAT I CAN PAY THIS AGAIN SINCE I MADE PART OF PAYMENT EARLIER.
Consumer complaint received 2019-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I am filing this complaint for two charges made by XXXX  XXXX on my VISA card with Bank of America. The first charge was in the amount of {$11000.00} and the second for {$900.00}. Both of these charges were made in XXXX of XXXX, yet no products or services were received in exchange. This is due to the fact that the XXXX  organization was shut down by the FTC in XXXX of XXXX. 

I had several XXXX charges on multiple credit cards with various banks, and ALL of them with the exception of Bank of America have refunded my money on the basis of these being fraudulent charges which were made by an illegal enterprise. 

After much back and forth dialogue which was necessitated by BofA 's complete lack of clarity on the information they required, I realized that they wanted exactly the same info as the numerous other banks from which I successfully obtained refunds on disputed charges of exactly the same nature with XXXX. I made countless attempts to supply all the information which they requested to help resolve the dispute in a timely manner. Their requests for further information were confusingly vague, yet still I supplied all the information I had available. 

Without offering me a chance for rebuttal, they repeatedly denied my claim and supplied me with inaccurate information regarding the state of my dispute. I was told by BofA that they had sent me follow-up letters for further details, yet throughout the entire ordeal I never received anything from them but denial letters. It was only in these denial letters that they explained what further information was needed. With every denial I subsequently had BofA reopen the case and I then submitted all requested information. In each case I continued with many follow up calls to make sure BofA had everything they needed. On multiple occasions when I requested clarification regarding what info they needed, I was told that they had " forgotten '' to send me critical information which would have been crucial to support my case. 

Unbeknownst to me, time limit for a resolution on this dispute passed in XXXX, yet I was never informed by BofA of any kind of timeline until XXXX of XXXX during one of my many follow-up phone calls.
Consumer complaint received 2019-01-07
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)

To whom it may concern, I submitted a requested to have XXXX XXXX XXXX removed from my credit report. I have reported to the repositories that this debt is fraudulent, and I have not signed any guarantee. I have hired an attorney who expressed that I never signed a guarantee. The information in the application is not correct and obviously never been verified. The issue is the fraudsters are reporting to the credit repositories and are not providing any proof. The credit agencies are not requesting written proof of the debt. The documents have used electronic signatures in the fraud. I have enclosed my attorneys letter and email chain complaining of the fraud. I have requested the file be removed from my credit report for fraud with no result. 
Thank you, XXXX XXXX
Consumer complaint received 2019-01-07
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 have submitted letters and FTC letters to XXXX XXXX on several occasions informing them that the stated account do not belong to me. XXXX  XXXX have proceeded to ignore my disputes and complaints. So I need your assistance in getting this matter taken care of.
Consumer complaint received 2019-01-07
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. (TN)

I have been in contact with XXXX XXXX since XX/XX/XXXX when I discovered that my account was listed on closed/charged-off on my credit report and not reflecting monthly payments and the account being open and paid on time. I have spoken to multiple customer service representatives starting in XX/XX/XXXX and most recently on XX/XX/XXXX, in which they have been unable to assist. All of the customer service representatives have stated that my account is current, paid, open, and never been a charge off or repossessed ; even when I escalate it to customer service management. I sent a letter via certified mail to XXXX XXXX in XX/XX/XXXX requesting for the account to be updated on my credit report. On a letter dated XX/XX/XXXX, I received a letter from XXXX XXXX in response to my certified letter apologizing for the mistake and that the account payment history and status would be updated to reflect Current/Open and paid on time ; however, this issue has been yet to be corrected. Most recently upon reviewing my credit report in XX/XX/XXXX, they have shown the account as being closed as of XX/XX/XXXX, which is not true. The account is open and paid as agreed, in which most months I have overpaid to pay down my balance so that I can get rid of XXXX XXXX altogether and have the vehicle paid off. As the customer service representatives have all stated, this vehicle and my account has never been repossessed nor charged off and the account is open and current. XXXX XXXX is taking advantage of consumers and refuses to correct their errors, only wanting to collect money and not be of any assistance. I also know that I am not the only consumer that has had this error from them, as I have spoken to 25 other individuals that are experiencing the same issues with XXXX XXXX incorrectly reporting to the credit bureaus while their internal systems say otherwise.
Consumer complaint received 2019-01-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC (TX)

I am refinancing my mortgage and Ditech gave a payoff that was good until XX/XX/XXXX which was the day it was funded to them. On today XX/XX/XXXX, they have emailed the Title company stating the payoff was short and by looking at the info they provided and the website with my mortgage information, myself or XXXX XXXX do not understand where the shortfall Ditech is stating came from and we can not get a direct answer from Ditech. 

The Hazard insurance in my Escrow was listed as {$2500.00} which they stated they paid XX/XX/18 and the XXXX XXXX paid the Hazard insurance also but sent a check back to me so it would not be paid twice. 

Do not understand the shortfall they are stating to the Title company of {$1700.00}.
Consumer complaint received 2019-01-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

The issue is whether Wells Fargo Mortgage has knowingly violated Regulation X with regard to requiring monthly payments to a property tax escrow account, when the relevant property tax has been paid in full for the ensuing twelve-month period.

Relevant law A lender may not require the borrower to deposit in any escrow accountfor the purpose of assuring payment of taxesin excess of a sum that will be sufficient to pay such taxesduring the ensuing twelve-month period ..., 12 USC 2609 ( a ) ( 1 ).

any person that knowingly violates a Federal consumer financial law, a civil penalty may not exceed {>= $1,000,000} per day during which such violation continues. 12 USC 5565 ( c ) ( 2 ( C ).

Facts The facts are established by clear and convincing evidence and can not be reasonably disputed : 1. On XX/XX/XXXX, the borrower requested removal of the property tax escrow, because the property tax for the subject property was paid a year in advance, with no amount due until XX/XX/XXXX.

2. On XX/XX/XXXX, Wells Fargo Home Mortgage received {$2100.00} as payment in full for all amounts due for the property tax escrow account.

3. On XX/XX/XXXX, by letter Wells Fargo Home Mortgage stated We want to fully address your concerns.We now expect to complete our work by XX/XX/XXXX 4. On XX/XX/XXXX, Wells Fargo still requires {$4400.00} with tax escrow instead of {$2900.00}.

Conclusion The facts show that Wells Fargo intentionally and knowingly failed to remove the tax escrow payment due on XX/XX/XXXX, in clear violation of relevant law which prevents requiring the borrower to pay a excess if the property tax due the next 12 months, 12 USC 2609 ( a ) ( 1 ). The applicable civil penalty is {>= $1,000,000} per day of delay, based on the XX/XX/XXXX increase. If Wells Fargo fails to promptly cancel any future property tax escrow payments for our mortgage loan, Consumer Financial Protection Bureau is authorized to impose the maximum civil penalty.
Consumer complaint received 2019-12-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (KS)

On XX/XX/XXXX, I contacted Midland Credit Management after speaking with XXXX XXXX and being advised my credit card had been referred there. 
I was advised by their collector that the account was placed in their office on XX/XX/2019. Shortly after advising my account had been there for less than 30 days, he made a demand for " immediate '' payment. This demand was repeated by the collector twice in the call. 
Further, he got extremely judgmental and implied I used the credit card and never paid for the charges which are untrue. 
My attorney has listened to a copy of the call which I have taken the liberty of attaching to this complaint and has advised me that the collector " overshaddowed '' and has violated the FDCPA. Upon the advice of an attorney, I am pursuing a civil suit against Midland Credit Management. 
Please review the call and audit the agency for their blatant abuse of U.S. Code.
Consumer complaint received 2019-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I SUBMITTED UNAUTORIZED CHARGES ON MY DC FOR DISPUTE, WAS NEVER NOTIFED BY CAPITAL ONE ABOUT THE RESULTS OF THE INVESTIGATION UNTIL THE CREDIT WAS REVERSED AND I CALLED, THEY TOLD ME THAT THEY HAD IT FILED AS UNRECOGNIZED CHARGE...WHICH IS NOT HOW IT WAS SUPPOSED TO BE SUBMITTED.. THEY DIDNT REACH OUT TO ME ABOUT MY DISUPTES UNTIL 11/19 WHILE I WAS AT WORK, THE HAD ME PULLED OFF THE PHONE TO DISCUSS AT WORK WITH MY HR DEPT.. THE END RESULT WAS THEM STATING THAT I WAS FILING FRAUDULENT DISPUTES. SO I WAS TERMINATED. MY CREDIT HAS BEEN RUINED BECAUSE OF THIS ACCOUNT AND CAPITAL ONE.
Consumer complaint received 2019-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was an authorized user on a BofA credit card and it is reporting to my credit as a bad account. I have requested removal and for them to take it off my credit since I am not financially responsible but they have failed to do so.
Consumer complaint received 2019-12-10
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. (NY)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I HAVE SOME GOALS I WOULD LOVE TO ACCOMPLISH SO I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.
Consumer complaint received 2019-12-10
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Source Receivables Management LLC (OH)

On XX/XX/2019 I was contacted by Source Receivables Management at approximately XXXX XXXX regarding a XXXX collection. I informed them that this debt was paid in XX/XX/2019 through direct withdrawal. The woman was quite combative to the point, finally resolving to provide an email where I could send proof of the transaction. At approximately XXXX the same day they called again as an attempt to collect said debt, which is in violation of several laws and regulations set in place to protect consumers and is harassment.
Consumer complaint received 2019-08-16
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 (OR)

On XX/XX/2019 I called Bank of America to inquire about balance transfer offers because my online account page said I needed to contact them to provide more information on my account. After providing the information requested, they responded by lowering the credit limits on the two cards I have with BofA by over $4,000, or basically all of my available credit. The reasoning was that the amount owed on one or more of my cards was too high. One card was at about 50% of the limit, while the other was near 70% of the limit. When I asked what an appropriate debt to limit percentage was, to avoid this issue in the future, they said they were not able to share that with me, and that there was nothing they could do about the credit limit decrease. My feeling is that the real issue is that I have used low or 0% balance transfer offers to keep my interest rates low on my accounts. BofA has increased my credit limit and even offered me a new card in the last few years, and continued to extend 0% balance transfer offers up until XX/XX/2019. It seems they view me as a credit risk because I keep a low interest rate. By lowering my credit limit they have now increased my debt to credit limit ratio, which will negatively effect my credit score until it is paid off. My interest rate on the debt I carry with them will now rise from nearly 0% to over 25%. This is absolutely predatory lending. If they didn't want me to use the 0% balance transfer offers, don't extend them to me, but lowering my credit limits seems counterintuitive to the reason they gave me for why they were lowering them in the first place.