davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

The credit card in question has a monthly billing period that ends on the XXXX of each month. For the bill ending XX/XX/2021, I underpaid the bill by XXXX due to my miscalculation. I always try to pay all credit card bills for purchased made up to the end of the month in which the billing period ends, and in this case, my spreadsheet had a summation error. 
The next billing period, ending XX/XX/2021, stated a New Balance total of XXXX. This total included the Previous Balance of the XX/XX/XXXX billing, the payment made for the bill ending XX/XX/XXXX, merchandize Purchases incurred from XX/XX/XXXX - XX/XX/2021, return credits of XXXX during that same period, and an interest charge of XXXX because of the unpaid balance from the XX/XX/2021 billing. I paid {$1800.00} against this bill on XX/XX/2021. I assumed that my payment of {$1800.00}, an overpayment to the New Balance of XXXX, would cover all obligations due Bank of America. After contacting their Customer Service, I found I was wrong. 
Interest continued to accrue until my {$1800.00} payment was posted on XX/XX/2021 Return credits of XXXX during that period were not applied against the underpayment amount from the last period The next billing period ending XX/XX/2021, has a New Balance total of XXXX. This includes the Previous Balance from the XX/XX/XXXX billing, my payment of XXXX, merchandize charges incurred from XX/XX/XXXX to XX/XX/2021, return credits of XXXX for that same period, and an Interest Charge of XXXX. This interest charge was calculated for the period XX/XX/2021 through XX/XX/2021, the date of last month 's billing period payment. 
Thus, the total interest charge for the XXXX underpayment I made for the period ending XX/XX/2021 incurred {$27.00} in interest charges by XX/XX/2021. $ XXXX days of accruing interest = {$0.00} interest charges per day charged to my credit card account. If I never paid enough against my account to eliminate the {$150.00} underpayment amount, or some portion thereof, by the end of one year I would have paid {$0.00} X 365 days = {$190.00} on a principle of {$150.00}. I declare four issues : 1. On no statement was it stated what discrete amount would incur how much interest charge per day unless paid off by a stated date.

2.. Merchandize return amounts do not reduce underpayment amounts for credit card purchases even if the merchandize return is done after the day of purchase.

3. This seems to be an advantageous non-transparency about interest charge liability to the consumer 4. The interest itself constitutes an unfair financial burden to the consumer.
Consumer complaint received 2017-04-17
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Nationwide Biweekly Administration, Inc. (PA)

I was sent information on a company called,  National wide biwee kly administration, inc to help me pay my mortgage faster and in 2 monthly payments instead of  one large one w hich never got to my  XXXX  housing finance mortgage company on time causing me late fees and when I complained they cut me off keeping  3 ful l work checks of mine saying that was there fee for do me that favor. So they stopped completely which I have the letters stating that they are in management changes but I can not get my fee back or other losses.   My account with them is #  XXXX  record number :  XXXX . I want  my 3  checks I paid for for this service which equals to at least {$5000.00} and then the penalties I had sustained for them not getting my mortgage in on time.  Rounded is  about another {$1000.00} not to mention the bad smear on my credit for being late on my mortgage it cost me. I could n't reocer for 1 year and have. It 's now that I 'm catching up. I had people coming out from mortgage company checking on my house and it 's a well kept house. I was very embarrassed. I want this company held accountable for doing this to a bunch of. I am willing to sue this company for pain and suffering a sell as all my lost for at least {$50000.00}. FHA is not the problem it 's  Nationwide biw eekly. I see on your government website that others have complained to case  XXXX   XXXX
Consumer complaint received 2023-03-31
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. (GA)

The credit reporting agencies keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) XXXX and Transunion said everything was complete and accurate and I asked them how if the balance is wrong? XXXX is reporting a balance of {$3400.00} and Transunion is reporting a balance of {$3400.00}. 

Also, XXXX is reporting the account as open when it is a collection account. Collection accounts from debt buyers can not be open. 

Then I asked them to provide me with a description of the investigation in accordance with 15 USC 1681i ( 7 ) and they never did. I have proof via the previous dispute that was filed through the CFPB to the credit reporting agency.

Also, according to 15 USC 1681 s-2 A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

This is violation after violation. This is causing me stress because I have no hope in this credit reporting system. 
Failure to comply will force me to pursue actual damages against the credit reporting agencies. I have proof of these damages and will seek legal counsel if necessary.
Consumer complaint received 2021-07-11
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: HYUNDAI CAPITAL AMERICA (NC)

XXXX  credit report is showing a Hyundai motor finance negative account on my credit report as active because the Hyundai motor finance posed as me Fraudulently to make a payment on my behalf to reactivate an old account that was closed XX/XX/XXXX, my XXXX credit report shows Kia Motors finance which got sold to Hyundai in XXXX, Kia Motors shows deleted on XX/XX/XXXX from my XXXX paper copy that got sent to me on XX/XX/XXXX This negative account needs to be immediately deleted from all credit reports because this is a violation of the fair credit reporting Act showing Duplicate accounts under the same company under different names, addresses.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2021-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (OH)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

According to the laws, 15 us code 1681 ( b ) ( 2 ) 15 usc 1681 ( a ) ( 1 ) 15 us Code 1681 ( c-2 ) 15 Us code 1681 ( a ) ( 2 ) ( a ) ( i ) These accounts should not be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I recently checked my personal credit report and found the credit bureau reporting the following addresses that does not belong to me. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX
Consumer complaint received 2021-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I recently checked my personal credit report and found the credit bureau reporting the following addresses that does not belong to me. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX
Consumer complaint received 2018-06-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TAYLOR MORRISON HOME FUNDING, INC. (NC)

We signed a contract to build a home with Taylor Morrison Home Builders on XX/XX/XXXX We chose to use their financing and trust their inspectors. They showed us several lots within the development that we liked and we chose a lot that was larger and listed for {$10000.00}. This lot is included in the contract. We went through a disastrous design and build process ( see letter attached in Step 3 ). Our questions during the process were met with total indifference and/or contempt. When it came time to appraise, the appraisal came in {$25000.00} below our purchase price. Taylor Morrison refused to acknowledge a problem. We met with their mortgage team, the sales department heads, among several others that did not acknowledge any issue and put the burden on us to make up the difference. They eventually gave us roughly {$2500.00} back in the purchase price but failed to explain how they made the difference of that amount up given we did not bring any more to closing, and our monthly payment did not change. At the final walk through of the home, I was asked to sign a paper saying that I acknowledge receipt of the landscaping and lawn in good order and they were not responsible for any dying grass or shrubs, etc. I asked to see the yard before signing. As we were walking the property our construction Superintendent ( XXXX XXXX ) left siting childcare issues. I never signed any document nor did we finish our final walk through as the house had to be locked. Once we moved in, I noticed immediately during the first rain that the yard did not drain properly ( see attached images ). The plan calls for water to move off the property however it ponds and does not move from the back. This has caused the grass to die, and hazardous conditions for our pets and selves. Mosquitos, fungus, bad odors all inhabit the yard. Taylor Morrison claims that the grass is not warranted, and there is nothing they can do about the yard holding water. They claim it is per the plan and refuse to determine why the water ponds. XXXX XXXX stated that our property was a " swale '' and that water ponding for 72 was totally acceptable. In all of our conversations with any representatives of Taylor Morrison, no one mentioned a swale, we did not acknowledge that our property is a swale, and it is inconceivable to me that they will not acknowledge the problem. During the entire process, we feel misled. There were serious misrepresentations that took place and the warranty program is a continuation of this pattern. They claim to be " the most trusted builder '' however our experience is much different.
Consumer complaint received 2021-07-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (IN)

I have been a XXXX XXXXXXXX in Indiana for XXXX years. I have been making payments on my loans with FedLoan Servicing ( www.myfedloan.org ) for most of that time, with some period of time deferred because I went to complete a XXXX XXXX XXXX so it can assist me with my profession and improve services to the public. 

After completing my XXXX XXXX program, my deferment period was misrepresented to me by the servicer which resulted in damages to my credit. Additionally when I began to inquire about how many payments I have made towards my XXXX  ( XXXX XXXX XXXX XXXX ) program, the agent laughed at me stating I still had another 10 years of payments to make. He stated that I was either in the wrong repayment plan, or some other convoluted explanation. I spoke with several reps even after they damaged my credit for non-payment during what I assumed was a grace period because I had an extra semester of classes to complete. Since I wasn't " Full time '' they tell me after-the-fact that this occurred and I was penalized for non-payment when I assumed it was deferred since I was still in classes for my master 's program. I disputed it with the credit bureaus and it took them ( fed loan ) nearly 12 months to respond, and the end result was the same and the damage to my credit remained for 7 years. It has finally dropped off my history and I have excellent credit again, but it was 7 years of XXXX. On top of being lied to, laughed at, and now looking at my repayment plan, I now see that I still have MANY YEARS of repayment left on my loans to qualify for forgiveness. When you figure in their deceptive " capitalized interest during forbearance '' practices or the fact that my repayment plan allocates the whole payment towards interest, my principal balance remains relatively unchanged in 16 years. 

XXXX 


These companies have evolved into financial GIANTS for a reason. It wasn't because of their honest practices. Now I am just making XXXX  payments to corporate executives. We all are. 


Please help.
Consumer complaint received 2018-03-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Vargo & Janson PC (CO)

My identity was stolen years ago including credit card numbers. Some company who bought this debt, even though I told them that it was the result of identity theft, has been threatening to have me arrested. I have filled out all information to the best of my knowledge and returned to the courts. I am XXXX XXXX   so it is hard for me to maintain a job to either file bankruptcy or hire a lawyer.
Consumer complaint received 2021-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2021-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Results Unlimited, Inc. (GA)

Moved out in XXXX. Received bill in XXXX. Made numerous attempts to contact via email and phone regrading discrepancy Im receiving bill. Filed XXXX  complaint. Spoke with XXXX XXXX at corporate who was supposed to look into having removed and contact me back. She never did. Collection agency is now harassing me and threatening legal action for debt that is not owed.
Consumer complaint received 2021-06-23
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. (NC)

Please remove all fraudulent credit inquiries as I have no knowledge of any of these inquires due to the Equifax data breach/identity theft all is being investigated by the FTC. According to FCRA 605B This information must be blocked immediately until the investigation is over.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within XXXX  days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over XXXX days old.
Consumer complaint received 2021-07-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Federal Adjustment Bureau, Inc. (OH)

I was charged from a apartment complex because I broke the lease. The maintenance man was XXXX/ coming in the apartment on my wife. My wife paid Fabco off in late XXXX early 2016 they never gave us a receipt for anything. Now it is on my credit saying we owe {$290.00} but when my wife called they said we owe {$190.00} and said we never paid this debt off. They were horrible to work with to pay it off in the first place. The amounts showing on my credit are not correct and not the same as they say we even owed total. They are saying my wife called in in 2016 and said we were not paying them anymore, which is not true. What we are being told over the phone is incorrect and nothing matches up. Also was told I could not talk to anyone else because every single person was on vacation. Debt on credit says {$790.00}, over the phone they said it was around {$600.00} and we paid {$500.00}. Credit states we owe {$290.00} but Fabco says we owe $ XXXX.This debt has been paid and needs to be removed for my credit.
Consumer complaint received 2021-07-10
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TD BANK US HOLDING COMPANY (MN)

2004 I cosigned in a vehicle and and the other signer I took to court to have him take full responsibility and I was no longer a buyer on this agreement and now almost 18 years latter and after a court dismissal on my behalf and the XXXX letter i sent asking to not contact me as I'm not on the lease agreement and I spoke and left message bro 7TD Auto finance LLC / XXXX XXXX I have seek legal action on harassment charges if I'm contacting again .. Do Not harass me again about this matter no letter 's or call are I will fill a report! No w I have received a other collection later and looking to get a lawyer about this harassment from this company
Consumer complaint received 2021-07-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2021-07-10
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: EQUIFAX, INC. (SC)

Ive been seeking validation for derogatory items reported to my credit report since the XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.
Consumer complaint received 2021-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (TX)

I have made every single one of my payments on time. Ally misapplied one of my payments on my lease and hit my credit with a late. I called them & it showed as corrected on my account. Then it just happened again last week, despite every payment being made on time. It also shows on my account that I owe a double payment, but that payment isn't due until XXXX, which makes no sense at all. They acknowledge it's wrong, but it has devastated my XXXX  & XXXX  credit score which hasn't been corrected.
Consumer complaint received 2021-07-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MRS BPO, LLC (VA)

I purchased a American XXXX from a pet store in XXXX at the very start of what would become the COVID pandemic and was told that I could get a loan with no interest on the dog. I was guided through the application and signing at the desk with a staff member who did not show me any paperwork, said everything to me word of mouth and instructed me to sign documents that were not viewable until after everything was done. They completely lied about how the entire operation worked. My plan was to get the puppy and then use my tax return to pay off the sale amount around a month later. When I called XXXX to pay off the dog they told me that I had to pay well over XXXX dollars with a XXXX sale price. I tried to return the dog because I couldnt afford it but they told me that I will still be responsible for the entire amount and that I was leasing the animal. I HAD NO IDEA this was never shown to me or instructed until after my paperwork was sent after the sale was done. 

Fast forward until now, Leasing animals in Virginia is illegal ( i was not aware ) they have sold my account to collections, MrsBpo llc for a amount owed of XXXX. This is absolutely frivolous and new to me against the law. The contract I viewed clearly states I am leasing which is clearly illegal. I am terrified this will go on my credit or I will continue to be harassed with letters after I told them I was taken advantage of at the store and could not afford that amount.