davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE (TX)

XXXX 2017. I applied for a Barclays American Airlines credit card and was declined due to having a previous closed account with Barclays. The previously closed account with Barclays was closed through a bankruptcy utilizing The Consumer Credit Protection Act. The Federal Equal Credit Opportunity Act states that Barclays ca n't discriminate based upon an any rights exercised in the Consumer Credit Protection Act. Barclays did n't even brother pulling a current credit report that shows no bankruptcies and a high credit score and taking into consideration my high annual income/ability to repay.
Consumer complaint received 2015-11-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Brookshaw Management, LLC (SC)

I received a call from a private number and a man by the name of XXXX XXXX left a message saying that he had my social and that he would be delivering me some type of mail on Wednesday. He said he had confirmation that I would be free all day Wednesday to receive the mail, which is untrue because I work full-time Monday-Friday. He left a reference number and number to call back, XXXX. So I called the number back and XXXX XXXX answered and took my reference number. He said that XXXX XXXX was the courier. He went on to explain that he is trying to collect a debt from 2013 and that what XXXX would be delivering would be their efforts to take some sort of legal action against me. I asked how much I owed and he told me. Then he said that there was still time to resolve the issues without taking any legal measures. I told him that of course I would want to keep it out of the courts and that I could make a payment XX/XX/XXXX, he said no that is not acceptable. I explained that right now I do n't have any expendable income and he said " Well we are all living paycheck to paycheck ''. He kept using my name in a derogatory manner. I just did not like how he was speaking to me. So I hung up the phone on him. Then I decided to call back to get the name of the company and when I called back he kept using my name to let me know that he knew who I was. I told him that I was happy that he had caller ID and I hung up.
Consumer complaint received 2022-05-12
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: EQUIFAX, INC. (TN)

In accordance with the Fair Credit Reporting act XXXX XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX account number XXXX, have violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-08-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MD)

Based on my research, My original Servicer was XXXX, which filed bankrupcty 2008, and later discover third party debt collector known as Ocwen loan servicing and XXXX shown as the lender/beneficiary. Based on my discovery I 've notice Respa violations, Truth n Lending, Preditory, Adjustable Rate Mortgage, the whole entire loan was in violated under the Underwriting Deceptive Practice Act. 
Third Party debt collector known as Ocwen Loan Servicing does not have a license/ or consent order in the state of Maryland with XXXX Commissioner Finance Office to as as a Servicer /Debt Collector/Lender based on updated research. Therefore they need to investigated. Also XXXX XXXX XXXX XXXX needs to  be investigated, never had a contract agreement or any fair dealings pertaining to the loan and the equity interest in the property.
Consumer complaint received 2023-12-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: TRUIST FINANCIAL CORPORATION (PA)

We sold a property that we had a mortgage through Truist bank, originally Suntrust prior to their merger, and as part of the sale we requested payoff information from Truist Bank, mortgage holder, thru the buyers closing agent which was received on or about XXXX. After closing, XXXX, we received the Truist payoff letter from the closing agent which included what we contend is an erroneous interest amount assigned by Truist, {$230.00} versus amount shown on Truist XXXX statement of {$58.00}. The amount in our escrow account on the XXXX statement is shown as {$990.00} however there are no XXXX funds listed as being " due '' on the XXXX XXXX XXXX letter from Truist. The Truist final statement dated XXXX shows the following : XX/XX/2023 - Actual Escrow balance of {$690.00} XX/XX/2023 - Actual Escrow Balance of {$1900.00} which includes our XX/XX/2023 payment and escrow amount of {$220.00}. 

We maintain the ACTUAL Escrow balance as of XX/XX/2023 should be as follows : XX/XX/2023 - Actual Escrow balance of {$690.00} XX/XX/2023 payment into Escrow of {$220.00} + {$690.00} = {$910.00}. 

We questioned Truist in our XX/XX/2023 letter where the escrow amount of {$990.00} listed on the XX/XX/2023 statement came from as this amount does not appear in the Truist XXXX XXXX letter they sent to the closing agent. We questioned Truist in our XX/XX/2023 letter where the {$58.00} interest shown on the XX/XX/2023 statement came from when the amount shown and paid by us on the XXXX XXXX XXXX letter listed interest due as {$230.00}. We further questioned Truist why the {$230.00} interest in their XXXX XXXX letter was NOT listed on the XX/XX/2023 final statement since is was part of the amont we paid to Truist via the closing agent. We questioned Truist regarding the ACTUAL date the XXXX of XXXX check was ACTUALLY mailed as it was not received by XXXX until XX/XX/2023. Conveniently there is no date stamp on the envelope but by virtue of the check being dated timely, Truist has met the time frame requirement to effectuate a refund on the escrow balance. Lastly we questioned why Truist did not include ANY explanation or statement with the Escrow Payment check for any of these amounts, financial items. 

Our QWR letter was mailed on XX/XX/2023 from XXXX XXXX Pennsylvania XXXX XXXX XXXX to the Truist Bank XXXX address listed in the Truist correspondence we received from Truist and as of today, Saturday XX/XX/2023 we have not received an acknowledgement of receipt nor a response.
Consumer complaint received 2022-05-12
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: Rent Recovery Solutions (NC)

This account does not belong to me. It was previously deleted from my credit report when found inaccurate, and has reappeared under a different collection name. This account is fraud. 

Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Account Status Unpaid Status date XXXX XXXX Name RENT RECOVERY SOLUTI Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX This account also does not belong to me and is fraudulent. This collection was also removed, but had reappeared. My profile has been frozen and fraud alert put on it. 

XXXX Account info Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Installment
Consumer complaint received 2022-05-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation (VA)

A consumer credit transaction agreement was created between One Main Financial and the consumer, XXXX XXXX. Afterwards, a payment was made. After the initial payment was made, a payoff inquiry was made on XX/XX/2020. Both the payoff inquiry and statement reflected a payoff amount of {$6300.00}. A registered security ( in the form of an international promissory note see UNCITRAL CONVENTION ) was tendered and sent to One Main Financial under notarial witness, in the amount of {$6300.00} as satisfaction for the consumer credit transaction. After receiving the full satisfaction, One Main Financial failed to offset the account balance, harassed the consumer with debt collection calls and colluded with others ( law firms, courts and credit reporting agencies ) to inaccurately misrepresent the character of the consumer. In addition to not returning the international promissory note ( and adding insult to injury ), One Main Financial has begun garnishing the consumer 's wages.
Consumer complaint received 2017-08-18
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 (TX)

I received a letter from XXXX XXXX XXXX on XXXX XXXX XXXX and my claim was denied for XXXX XXXX DUE me using my credit card ending XXXX in the amount of XXXX I did n't make this purchase my son too my card without my permission and made this purchase I do n't have this card anymore due to recent fraud been going on on this card I told the bank at the branch I did n't make this purchase and Bank of America will rebilled me on XXXX XXXX XXXX
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX : {$12000.00} ; XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2022-05-12
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-12
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (MS)

XX/XX/XXXX I opened an account on American Express ' website with American express gold XXXX  skymiles card. It offered XXXX welcome points once I spent {$2000.00} in qualifying purchases within the first 3 months. I spent {$3300.00} on XXXX flights that day. on XX/XX/XXXX I have chat history on the app confirming that Welcome bonus was correct. My first statement was XX/XX/XXXX, that was when I was told I should see the welcome points. I noticed I only received XXXX miles when it should have been XXXX, XXXX. I reached out to the company and spoke to 7 different customer service reps who all told me that my welcome offer was denied with little reason why. I was told I had to fill out a complaint and I did. I also provided them with the snap shot of the message history where on XX/XX/XXXX I confirmed the bonus program and I was eligible per the Customer rep on the chat.
Consumer complaint received 2022-05-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Bank of America Mortgage uses illegal mortgage lending practices, disregards regulatory requirements, and violates signed mortgage lending documents, in my opinion. In XXXX, 2021, a refinancing application was submitted. Based on a credit score over 800, loan to value ratio of 50 % and debt to income ratio under 30 %, Bank of America Mortgage provided a rate lock agreement and mortgage approval. All required supporting documentation was submitted, and accepted, well in advance of deadlines. All appraisal and other fees were paid and the application was forwarded to underwriting. There has been no communication from Bank of America Mortgage since that time. Despite repeated telephone, e-mail, and written requests, Bank of America refused to provide status of the loan or any other information. Complaints # XXXX and XXXX were submitted through CFPB. Bank of America Mortgage evidently responded to CFPB but not me. After 5 months there has been absolutely no communication from Bank of America Mortgage. It seems obvious to me that Bank of America is refusing to put anything in writing because of illegal actions on their part.
Consumer complaint received 2017-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (KY)

I applied for the Barclaycard XXXX XXXX card and Barclaycard Frontier Mastercard and was approved for both on XXXX XXXX, XXXX. I completed minimum spending requirements and annual fee requirement for the bonus offers on each card in XXXX. On XX/XX/XXXX at XXXX, I called Barclaycard as 1 ) I had not received my expected XXXX XX/XX/XXXX + XXXX XX/XX/XXXX miles for meeting the XXXX XXXX requirements. 2 ) I had not received my expected XXXX Frontier Bonus miles for meeting the Frontier card requirements. I was subsequently told that my cards were closed without my knowledge. I asked for my call to be escalated to a manager as I had not closed my cards The call was escalated to XXXX who is manager at Barclaycard. He apologized that he could not see why the cards were closed. I explained that I was very upset since my card were closed without my knowledge, I pay my bills on time with never a late payment and that I have not received my bonuses as indicated above. Furthermore, I explained that it seems that Barclaycard closed my accounts to claim that they were not legally required to pay the bonuses. This false advertising as I met the requirements 2 months ago for the bonuses. I appreciate the help. XXXX
Consumer complaint received 2015-05-27
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Very Arguementive, Recording without permission, have told several times to quit calling and have told to quit recording and they still do anyhow. they call about a bill that was supposedly quite a few years ago but just now getting ahold of me, Falsely making reports that they have talked to me before ( at times I was not home ) Representing companies that they are not. They call several times a day /week Tired of the attitudes
Consumer complaint received 2023-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXXXXXX 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 XXXXXXXX A very serious error is that these accounts are not mine, can you please delete them?
Consumer complaint received 2022-05-12
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CO)

on XX/XX/2022, I sent Commonwealth a certified letter to validate a debt they reported. I received no response so I followed up with another certified letter on XX/XX/2022 which they also received ( Ive attached the signed return receipt ). Still no response. I then sent a letter to XXXX, Experian and XXXX requesting they verify this validity of the account as well as informing them this was a HIPAA violation. 
Furthermore, XXXX is reporting this an an OPEN account, it is a violation of FCRA to report a " COLLECTION " account as an open account. Eperian and XXXX have both noted in comments that the account was disputed, however, I have received no investigation results or proof this alleged account is mine, and XXXX is still reporting it open. XXXX has simply not investigated nor removed the account. Ive included all letters, return receipt and copy of the credit report as reference.
Consumer complaint received 2022-05-12
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. (NY)

New and updated information. I XXXX XXXX am submitting this complaint without any influence of a third party. Experian is knowingly and willfully illegally furnishing accounts on my consumer report without my consent. Pursuant to 15 U.S.C 1681b ( a ) ( 2 ) a consumer reporting agency may furnish to a consumer report in accordance with written instructions from the consumer. I did not give Experian consent to furnish anything to my consumer report. No consent is Identity Theft. An FTC report was sent to Experian on XX/XX/2022 and Experian stated that they are unable to honor the request because they did not receive identification. However, they removed 3 inquiries that was listed on the report. They did in fact receive identification and are not complying with federal law. Pursuant to 15 U.S.C 1681c-2 a consumer reporting agency has 4 days to block the information listed on the FTC report . Unless Experian can provide written documentation that I gave them consent to furnish to my consumer report they are fraudulently acting on my behalf. Please see attached documents as it contains my full complaint.
Consumer complaint received 2017-08-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Harley Davidson Financial Services Inc (NJ)

On XXXX XXXX, XXXX I sent a letter to Harley Davidson requesting an explanation of a {$400.00} expense I noticed on my invoice. Having not received a response, I sent another letter to HD asking for the same information and also asking why {$100.00} of my payment was applied to interest only and not principal. Again receiving no response, I sent another letter on XXXX XXXX, asking the same questions. The question about why my entire payment was attributed to interest rather than principal was responded to. It was convoluted and I still do n't agree with how they applied my payment, but I did n't know enough to fight about it. The answer I received for the {$400.00} was it was for repossession efforts by a third party. Since I had not been contacted by any third party, I asked for HD to provide an accounting or itemized billing for this {$400.00}. No one other than HD contacted me or sent a letter, so I wanted to know what this {$400.00} charge was for. I was provided with an invoice simply saying {$400.00} but nothing showing what equated to {$400.00} worth of expenses they wanted me to pay for. I again sent a letter on XXXX XXXX, XXXX asking for an itemization of the {$400.00} of expenses that HD had now taken from me. They applied a payment meant for principal and interest to this {$400.00} and then told me my payment was late. To this present date, XXXX XXXX, XXXX, I have not received an accounting of this {$400.00} expense. I was told by a gentleman in the HD financial services department on XXXX XXXX, XXXX during a 20 minute phone call that HD was not going to provide this to me, they were not required to per his supervisor, XXXX XXXX. I was told sorry, but too bad you 're not getting an itemization of this expense. I did explain to HD I had not been contacted by any third parties, I had not received any correspondence from any third parties so this is a scam and it 's okay if they do n't want to follow up on it, but I should not be left paying for services that were never performed. Can you please help me to have HD apply the {$400.00} they have already taken from me and apply it to my principal. As mentioned, I am not too sure about the way they apply payments to principal and interest and if you could ensure I am being charged properly for interest, I would deeply appreciate it.
Consumer complaint received 2017-08-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST GUARANTY MORTGAGE CORP (NJ)

I began a refinance process for my home mortgage the first week in XX/XX/XXXX. At that time, I sent every piece of documentation to GoodMortgage.com within 12 hours of their request. They charged me {$600.00} for an appraisal and they hired the appraisal company. The appraisal came back with a list of inaccuracies. I contacted GoodMortgage right away. Their solution was that I pay for another appraisal. I argued this was not my responsibility that the company they hired failed to deliver the proper service. On XX/XX/XXXX, GoodMortgage called me at XXXX stating they would pay for another appraisal. At that time, my mortgage was paid. I complied to their rushed appraisal on Sunday, XX/XX/XXXX. I heard nothing from the company for more than a week. Then, Friday, XX/XX/XXXX, I was told we were cleared to close and would close either Saturday or Monday. Monday came and went. There was a couple more documents that were requested and I sent them within 15 minutes. I received word on Wednesday, XX/XX/XXXX that we were cleared. Now, they are not closing on the loan and are refusing to communicate with me. I have lost {$600.00} in fees from GoodMortgage and accrued two late payments, totaling {$200.00}, due to their failed delivery of their promises. I have multiple emails, voicemails, and texts as proof. I will now need to start over, incurring more costs.