davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CT)

I have filed a complaint, ID FOR COMPLAINT SENT TO EQUIFAX # XXXX, pertaining to the Equifax debacle that cost 148 million people their personal information security. However, that complaint is not enough ; due to the fact that Equifax effectively sold ( for free ) my lifes most critical personal information to individuals and companies all over the world, and for a limitless time, I demand substantial compensation as a result of Equifax costing me a lifetime of insecurity and nameless misuse of my personal information. My life may not be worth anything to Equifax, but it is worth plenty to me! The ramifications, implications, and damages that the compromise of my personal information has cost me should cost Equifax as well. It has been quoted by news sources ( XXXX ) that key Equifax employees liquidated their stock in Equifax two days before the hack on Equifax. They profited from not updating the software that would have prevented this from happening. This is a criminal attack, identity XXXX, and the giving away for free my lifes history and most personal information. Unacceptable and Equifax is culpable for it.
Consumer complaint received 2015-03-22
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (MI)

Macy 's Credit Dept continues to call after payment to bring account up to date has been made. They are the only creditor to call if you are one day late on a payment. Also, when the past due amount is made and acknowledged they continue to call because their system does not update the minimum due for the next month after a payment is made. Example - payment amount due on the XXXX of the month is XXXX. It is made on XX/XX/XXXX. Minimum due the next XXXX of the month is not updated with one day late payment. They charge you a late fee ( which I understand ) but continue to call asking for a " post dated '' check for the NEXT month 's payment which is 25 days away. XXXX????
Consumer complaint received 2020-12-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this.
Consumer complaint received 2016-07-25
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kansas Counselors, Inc. (KS)

There are XXXX collections on my credit report from this debt collector and the hospital and I are working on a XXXX case to XXXX all of my bills. These should not have been put on my credit at all. The amounts are XXXX, andXXXX.
Consumer complaint received 2015-04-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

I have not received my billing statement since XXXX XXXX. The statements are not available online either. Because of this I did n't get any notice that my escrow has increased. I contacted them on XXXX and XXXX. However, I 'm still not getting my billing statements. On XXXX, they sent me a bunch of estimates they made on XXXX, for what I will have to pay on XXXX. However, these are not close to being accurate. On XXXX, I called them XXXX about this. The XXXX time I called on XXXX, I requested the supervisor. After waiting 30min, they told me the supervisor will call me back within 24 hrs. I never received a call from the supervisor. When i called on XXXX, I discussed another issue I have with a XXXX account. They took out extra amount from my escrow. Also, the XXXX they sent me has an incorrect Mortgage Insurance premiums section. They will have to resend that to the IRS.
Consumer complaint received 2017-02-07
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: WELLS FARGO & COMPANY (CA)

I 'm Filing This Complaint Against Wells Fargo AFTER Being Denied A Third Time, I REPEAT A Third Time For A C.L.I. On A Card I 've Had For 3 Years. I 've Been A WF Customer For OVER 4 Years, My Card Began As A Secured Card, And I Was Told That When It Became UN-Secured, I Would Receive A Limit Increase, because My Payments Were Automated ; And It NEVER Happened. My Card Has Now Been UN-Secured For OVER A Year Now, And In The Time Since, I 've Gotten XXXX OTHER Cards, XXXX With TWICE The Limit Of My WF Card, XXXX Of Which Has A Limit 7x The Limit Of My WF Card. The Other Of Which Has Received XXXX Limit Increases AND Is Currently OVER THREE TIMES The Limit Of My WF Card. ONLY XXXX Of The Cards Has A Utilization Of More Than 30 %, And My WF Card Has Carried A XXXX Balance For Approximately 3 Months & Counted. I Also Purchased A Car with NO MONEY Down, NO INTEREST, NO PAYMENT For 60 Days AT 5 % APR. My Take Home In 2016 Exceeded My Expenses by Over {$1100.00} Monthly, And I 've NEVER Missed A Single Payment, On ANY Of My Accounts. Wells Fargo DOES NOT CARE ABOUT THEIR CUSTOMERS AT ALL. They Have ZERO INTEREST IN HELPING THEIR CUSTOMERS DEVELOP A FINANCIAL FOUNDATION, Retaining Current Customers OR Gaining Future Business. I Had EVERY Intention On Opening A Business Account With WF, But That Is NO MORE. I ONLY Bank w/ Wells Fargo Out Of SHEER Convenience, because Both Of My Little Sisters Have Accounts, And It 's Easy To Transfer Funds. However, AS SOON AS I Restructure My Business, We Will ALL Be Moving Over To XXXX BANK. WF Has THE WORST Customer Service I 've EVER Experienced, And Some Of The MOST ill-advised People I 've Ever Had The Dis-Pleasure Of Speaking With Inside Their Branches. I CAN NOT Wait To Change Banks.
Consumer complaint received 2017-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

Get OCC involved. Needs to be placed on US treasury DO NOT PAY LIST. 

scam artists who- lie to me do not enter my data correctly have multiple computer failures have XXXX issues -retaliate against veterans and XXXX veterans -seize asset wo US GOVT permission refuse to allow customers to wire money to another account refuses account access to check funds -are in TEXAS and repeatedly CON other veterans refuse to open credit lines when thousands available for the line bc they " cant put you as a citizen '' in the computer
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

XXXX did n't use proper security in order to protect my credit information from being stolen. I now have to spend {$10.00} dollars at every credit reporting agency to freeze my credit and because of my states laws {$12.00} dollars every time I unfreeze my credit report. I 've lost Time + Income due to this malfeasance, this is something I have no power over.
Consumer complaint received 2016-08-08
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (TX)

CITI wo n't provide a paper statement on my account and only emails my statement. It is an XXXX account with a {$50.00} annual fee. I never received the statement, have not used the account all year and when I noticed my mobile app had a message, I looked and I had the {$50.00} annual fee due ... I paid it online and it was 3 days late. They assessed a {$25.00} late fee and interest. When I called, they would n't waive late fee or interest charges, so I said close the account and refund my annual fee. They would n't do that. This is pure and simple stealing! I asked to speak to a supervisor ... None were available, but I was assured a SUP would call me within 24 hours ... That was a lie! I never heard back ... Just got a XXXX email saying late fee will remain and to pay my bill!!
Consumer complaint received 2017-09-14
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NJ)

Macy 's has been charging a " minimum interest charge '' of {$2.00} per month. This happens when I have paid the account in full as of the due date but have made a new charge which has n't become due yet. 

I know this practice was common many years ago and then it stopped. When it stopped, I assumed it had been outlawed. Either it was never outlawed or the laws have changed. 

None of my other credit cards do this. 

Thanks for your help.
Consumer complaint received 2017-09-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

We refinanced our Mortgage with Bank of America, using the HARP program, from a 30 year fixed to a 15 year fixed in XXXX of XXXX. The age of our loan is now 4 years and 10 months ( XXXX XX/XX/XXXX). Our original loan amount on the 15 year fixed mortgage was {$290000.00}. Our current principal loan amount is {$210000.00}. We have PMI on our loan and would like to get the PMI removed. On XX/XX/XXXX, I called Bank of America 's PMI Deletion department to get details on how to formally begin the process of removing PMI. I was told a phone call was sufficient - no written letter required to get the process moving. We received a letter on XXXX XXXX from Bank of America stating that a new appraisal had to be ordered so they could determine if we met the " 75 % LTV '' rule. We can only use their XXXX XXXX XXXX appraisal service - writing a {$480.00} check to Bank of America. The Homeowners Protection Act of XXXX states that, depending on the loan, a homeowner must meet the " 80 % LTV '' rule or the " 78 % LTV '' rule to get the PMI removed from their mortgage. There is no mention of having to meet a " 75 % LTV '' rule. Bank of America states " the loan to value ratio of your loan, which is based on the original sales price or appraisal value of your property ( whichever is less ), has n't met the established LTV requirement to submit a request to cancel PMI. Based on this, as well as the type and age of your loan, the requirements to cancel PMI on your loan are : 1. No 30-day delinquencies over the past 12 months and no 60-day delinquencies over the past 24 months AND 2. current property value has n't decreased from original sales price or appraisal value ( whichever is less ) and the loan to value ratio based on your current property value is less than or equal to 75 % OR 3. current property value has decreased from the original sales price or appraisal value ( whichever is less ) and the loan to value ratio based on your current property value is less than or equal to 75 %. '' Then they want a new appraisal for {$480.00} to determine if our loan meets the 75 % LTV rules. I want to know where Bank of America is using 75 % LTV when the Homeowners Protection Act of XXXX says either 78 % or 80 %. How is that legal? I want to know how they are using an appraisal from the refinance of the mortgage 4 years and 10 months ago - since this is a HARP loan and did n't require an appraisal. We never received any notice of this appraisal. I want to know exactly when we can expect to have the PMI removed. What are the exact steps to get the PMI removed? When is the loan at 80 % and when is the loan at 78 %? When will be PMI automatically be removed ( if we did nothing )?
Consumer complaint received 2017-09-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (PA)

Our mortgage just recently got sold to Selene Finance from XXXX XXXX XXXX, when confronted with XXXX XXXX XXXX told us we have no say in the matter, that nothing will change on our contract on our modification when Selene takes it over, well here we are the second month they have sent us and our PMI insurance went from XXXX to now XXXX. When you call them you can not get connected to speak to anyone. Can you tell us what to do now, since we have been contacting you about this issue for the past 4 to 5 months.
Consumer complaint received 2017-09-14
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. (WI)

I was behind on my payments to XXXX XXXX XXXX because I broke my back back the in Summer of XXXX. The lender was unwilling to do a deferment on my account and told me to just make payments when I can, so that is what I did since I was unable to work during that time. I started getting threatening and rude phone calls every hour on the hour from XXXX XXXX until XXXX XXXX every day. I asked on many occasions to speak with someone higher up but was told there was no one every time. They threatened to repo my car even though I was caught up on my payments. I was fully caught up in XXXX of this year then they tried to take me to court, I hired an attorney and made an agreement to make my payments on time and have not missed a payment since. My account shows up as closed and as a charge off and no payment history giving me bad credit. Shows a higher amount owed then what I owe at this time. I would like to have my payments showing up on my credit report and my account as open or at least let me put a statement on my credit report as to why I was behind on my payments. This company is unwilling to work with anyone no matter the circumstances. My interest is outrageous on this account too. I highly recommend that no one use XXXX XXXX XXXX for any type of loan or banking needs.
Consumer complaint received 2016-05-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

In a letter dated XXXX XXXX, XXXX, XXXX XXXX XXXX, attorney for Beneficial states, " I have confirmed with Beneficial that its pre-Petition arrears claim was paid in full, and that the debtors are up to date with respect to remittance of their post-Petition mortgage payments. '' This letter was addressed to XXXX XXXX XXXX, XXXX, Chapter XXXX Bankruptcy Trustee regarding the Notice of Final Cure Payment and Completion of Plan Payments. 
In a letter dated XXXX XXXX, XXXX from XXXX XXXX XXXX by XXXX XXXX of HSBC they stated to the NYS XXXX : " An audit has been completed. '' " We have completed reconciliation ... .and can confirm that the account status is accurate. '' " Account is current. The next payment is due on XXXX XXXX, XXXX in the amount of {$1000.00}. '' Instead the next payments were applied to XXXX XXXX that should have been applied to XXXX XXXX per their letter to XXXX XXXX XXXX of the NYS XXXX. This starts the cascade of accounting errors. 
On XXXX XXXX, XXXX they notified us that our home loan was sold to XXXX XXXX XXXX Participation Fund XXXX. XXXX XXXX Loans would begin servicing our mortgage effective XXXX/XXXX/XXXX. 
They sent letters dated XXXX XXXX, XXXX stating that we could lose our home because it was 30 days in default. They sent individual letters to both of us by regular mail and certified mail. 
They stated in these letters : " You can cure this default by making the payment of {$2200.00} dollars by XXXX/XXXX/XXXX. '' This is 15 days after they have sold the loan to XXXX. Clearly this is an bogus debt and an illegal collection. 
HSBC/Beneficial sold our loan to XXXX XXXX as a distressed mortgage. This was not the case as we were up to date and even ahead in payments. 
In a letter dated XXXX/XXXX/XXXX XXXX XXXX of HSBC included records of our account that show the XXXX/XXXX/XXXX payment was made on XXXX/XXXX/XXXX. 
In a letter dated XXXX/XXXX/XXXX XXXX XXXX included a copy of a letter dated XXXX XXXX, XXXX that states " There was a reconciliation completed on your account on XXXX/XXXX/XXXX. After the reconciliation was completed, your account was due for the XXXX/XXXX/XXXX payment and the remaining amount needed to complete this payment was {$1600.00}. The full payment for the XXXX/XXXX/XXXX due date was not received until XXXX/XXXX/XXXX. '' This is in direct conflict with the XXXX XXXX reconciliation, and the XXXX XXXX records referenced above that were sent post " XXXX XXXX reconciliation audit. '' In summary Beneficial confirmed that we were up to date through reconciliations and audits completed in XXXX, XXXX and XXXX XXXX. However that was not the information they sent to XXXX. We have experienced ongoing problems due to Beneficial 's inability to inform XXXX of their gross error.
Consumer complaint received 2019-02-13
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

XXXX & Experian is reporting inaccurate Information from XXXX, XXXX XXXX. This company is not registered or licensed to collect debt in the amount of {$2700.00} in my state of Massachusetts.
Consumer complaint received 2017-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been sending correspondence to TransUnion since XXXX XXXX, 2017 to have them validate and verify some of the accounts on my credit report. I sent them 3 different letters, each one month apart giving them the chance to resolve the issues. It is my understanding that in order for them to report accounts on my credit reports, they must be able to verify and validate those accounts. They never sent me anything on how the account was validated or verified even after I asked them on several occasions to do so. It has been over four months and there are items that are still on my credit report that I asked for verification on my first letter on XXXX XXXX, 2017. I would like all of those items off of my credit report since they have been unable to verify that those accounts actually belong to me. I am aware that they have 30 days, plus an additional 15 days to do so and they have failed that time frame. The accounts are on the letters I will attach. They sent me reports over and over saying the accounts were verified and remain on my account but never gave me proof of verification, like I requested.
Consumer complaint received 2015-07-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland funding was XXXX company to buy bad debt, there legal agreement purchase was signed on XX/XX/XXXX13.There paper has many dates on it looks like a roto copy but no signature until XXXX/XXXX/13 Midland turned me into the credit bureau on XXXX/XXXX/13. They did not wait to send me a notice or to verify the account was mine. They also filed a judgement against me and I was never notify they where going to sue me until i was served
Consumer complaint received 2015-10-25
Product: Debt collection — I do not know
Issue: Communication tactics — Called outside of 8am-9pm
Company: ENCORE CAPITAL GROUP INC. (DE)

I believe in the State of Delaware Sunday collection calls are prohibited on Sunday 's. I received a call this morning at XXXX which according to your website is legal to call after XXXX although it is Sunday morning and I was having breakfast with my family and when I answered they hung up. I googled the number and it was Midland Credit they called from XXXX. Not sure who or why they were calling but it is Sunday morning have some respect for consumers and their families.
Consumer complaint received 2015-08-18
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (CA)

I have filed previous complaints here on this issue, and I amrequesting these be taken seriously. This is not a repeatcomplaint, but an effort to show cone Consumer ProtectionFinance board how companies, and this company does notcomply or care about complying with the various consumerprotection laws, nor does it even take complaints made hereseriously as they continue business as usual. All I have beentrying to do is get a line by line reconciliation of this account, and all American Express does is state it is correct, and weare wring, in spite of the fact we have sent them actual spreadsheets to prove we are correct and they are wrong, We havebeen trying to get this resolved since XXXX, 2013, AND allthat happens is every sixty days, our dispute is removed andwe must reinstate it. And now it is happening every thirty days and we are threatened with bad credit reporting, told we arein breach of contract and the issues are never addressed at all, except to say they are right and we are wrong ; and therefore, the issues are resolved, which they are not!
Consumer complaint received 2020-12-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report from XX/XX/XXXX, and Transunion. To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. I am also trying to get my credit in order because I want to buy a house and move away from my current living condition.
Consumer complaint received 2017-09-14
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. (IL)

I submitted information to all 3 bureaus about bankruptcys on my report and transunion and XXXX have not followed suit abd XXXX removed 2 and then readded the last one without a written notification again which i did not recieve! I have proof that these bankruptcys are not verfied by the courts and should be deleted along with all accounts included! Also XXXX has continued to update and afe accounts that were closed! Like XXXX XXXX which was included in a chapter XXXX but us now reporting in a chapter XXXX!! Also all student loan accounts and all XXXX XXXX  car6d and XXXX XXXX