davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: AMERICA FIRST FEDERAL CREDIT UNION (NV)

I have a HELOC with America First Credit Union. I typically go on line to make payments. during the first XXXX months of XXXX I made a payment higher than the minimum amount due. I did not make a payment in XXXX because when I wen online the account reflected I did not make a payment until XXXX of XXXX. As it was the holidays and was traveling, I did not make a payment in XXXX. My logic was that since i had made a larger payment for the first 11 months of the year, I had paid ahead on interest which is why no payment was due in XXXX. Same thing for the XX/XX/XXXX payment, the online account reflected no payment was due until XXXX and i again took advantage of that. I made payments in XXXX and in XXXX of XXXX again for an amount over the minimum amount due. XXXX is when the issue showed up, I noticed on my statement online that after my XXXX, XXXX, and XXXX payments that the entire payment was applied to interest only. I called the XXXX and they explained that I had not paid ahead on the interest charge in the first XXXX  months of XXXX, the interest was till accruing XXXX months I did not make payments. I asked them why they did not require a payment from me in XXXX and XXXX and they sais they do it as a courtesy. I feel the online account they show us is deceiving. When you dont make a payment, the balance does not go up or down it remains the same from the last month a payment was made. What they DO NOT show you is that the daily interest due, is accruing and we dont know how much interest has accrued. When I made the payment after the month of not making a payment, the entire next payment was applied to the accrued interest because as they said " interest get paid first ''. So far I have made three payments this year and principal has not gone down. they should have a separate column showing accrued interest, but they dont want to do that because they dont want customers to know what is happening. If I had known any of this, I never would have skipped the payment that they offered me the ability to skip. At this rate, I will pay significantly more in interest in XXXX than the amount of interest that would be due with the stated interest rate on the loan. This practice if allowing customers to skip payments, and NOT showing us the accrued interest when these payments are skipped completely deceitful. They should show us what happened if we skip the payment they offer us ti skip, and in addition, I do not think they are being honest with their Truth in Lending practices because my interest rate will end up being significantly higher than what is stated on my account statement.
Consumer complaint received 2023-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My quicksilver card ending in XXXX has an XXXX XXXX membership as a free benefit. The terms state I am to charge the membership to the card, and it will automatically be credited. I set this up but have been charged 5 times and only received credit for 4. I am owed an additional {$9.00} that Capital One needs to credit.
Consumer complaint received 2019-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a checking account with BanK of America. I deposited a check on the second week of XXXX, and by XXXX or XXXX of XXXX, it showed the amount being deposited and in the bank app, it shows that this money has come to my account. 
They guy who gave me the check asked for the money to be sent to someone else, so I transferred the money using XXXX XXXX. 
2 days later, this check bounced so I asked the bank to stop the XXXX transfer immediately and credit the money back. I narrated the whole incident to their call center exec. I placed this call on XXXX or XXXX of XXXX. 
10 days later ie about XXXX XXXX, they sent a message saying that the transfer was legit and everything was good with XXXX transfer. I lost {$1900.00} to the fraud. 
Fraudster involved with the case had this XXXX id ie XXXX ie XXXX. His phone is XXXX XXXX XXXX, other id 's used by him were XXXX and XXXX. 
Why does the bank show credit after 2 days, and reverse after 2 days. Why dont they credit only after the check money is received after 3 or 4 days? Why did they conclude that the XXXX XXXX was legit?
Consumer complaint received 2023-02-10
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (AL)

We had a second mortgage loan through XXXX where we had automated monthly payments of {$270.00} deducted from our bank account. Our loan was sold to Bayview Loan Servicing without our knowledge. We noticed that our payments had stopped being deducted from our account, and we contacted XXXX. XXXX then told us that our loan had been sold, but we were not given any details. We found out that Bayview now had our loan because we saw it listed on our credit reports. We have been in contact with Bayview regularly via phone over the last 2 years, and our account has been passed around to several different people within the company with no resolution. We were told that Bayview did not usually handle loans like ours, and they were going to try to sell it. Meanwhile, they would not accept payments on the loan, yet they have been reporting to the credit agencies that we have missed 23 monthly payments in the last 2 years. We have no contract, no letters, no statements, and no email correspondence. We have tried to dispute this through the credit report a couple of times, but nothing has been resolved or corrected. Bayview reports that all information is accurate.
Consumer complaint received 2018-02-25
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: Bread Financial Holdings, Inc. (KY)

XXXX unauthorized credit inquires on the report. 
My information was compromised from XXXX  data hack my information was compromised and used my identity. 

Company was notified by mail but refuses to remove them from XXXX credit report. 
XXXX  refuses to remove them also
Consumer complaint received 2016-10-22
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

In XXXX XXXX I received a copy of my credit report. My credit report is stating that I have XXXX separate accounts, with collection balances, each with a different account number and a different amount owed to Portfolio Recovery. The account numbers and balances owed are as follows : Acct # XXXX for {$630.00}, Acct # XXXX for {$500.00}, Acct # XXXX for {$450.00}, and Acct # XXXX for {$740.00}. All XXXX accounts appear to be opened on or about early XXXX. I have never had an account with Portfolio Recovery nor do I owe monies to Portfolio Recovery. I have sent XXXX separate letters, over a 49 day period, asking for validation of said debts. I have not gotten a single response, for the alleged debts, from Portfolio Recovery. My credit report was marked " disputed by consumer '' but I did not receive any information from the collection agency. I am not aware of any debts incurred with Portfolio Recovery. I was separated from my estranged husband in XXXX and divorced in XXXX and I do n't know if these alleged accounts were obtained under false pretense.
Consumer complaint received 2023-03-21
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

After verifying my identification through XXXX and notifying me of my eligibility, the California XXXX enrolled me into the XXXX extended federal unemployment benefits program and the funds were loaded onto a Bank of America issued prepaid debit card until the extension ended XX/XX/2021. The XXXX notified Bank of America that my Unemployment Claim was exhausted thereby closing my account. As a result, the remaining balance on the debit card can not be accessed. Allegedly either the bank or the XXXX closed my account for fraud on XX/XX/2021, well past the time Bank of America told me my account was frozen on XX/XX/2021. There is no valid reason to restrict access to the funds which I'd been determined eligible before this confusion.The XXXX has contacted Bank of America on my behalf and the issue remains unresolved.
Consumer complaint received 2019-07-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (CA)

I filed a complaint last year regarding American Express Serve, they claimed my account was over drawn by {XXXX}. I provided statement records showing that they never added a refund from a return from XXXX. I kept getting the run around and they never could show when and where the money was ever returned to my account which resulted in a very rare overdraft of {XXXX} on a XXXX account. Regardless I was tired of dealing with it and they would not let me close the account so I figured I would deal with it later. I continued to receive monthly emails informing me that my account was XXXX} overdrawn until XX/XX/XXXX when I received this email : During a recent review of your American Express Serve Account we noticed activity that was in violation of the Serve Member Agreement, section : XXXX. 
Due to the violation your Account has been locked and your Account privileges have been suspended. 
If you have any questions, please call XXXX XXXX XXXX at XXXX. 

I hadn't used the account for months and when I tried calling I get a message informing me that I can only write the address they will provide and that I can NOT speak to any on the phone regarding any of activity they are referring to. Odiously something happened on XX/XX/XXXX because on XX/XX/XXXX I received an email showing my account had a credit of {XXXX}. I tried to get some information but my account was now suspended, I had been blocked from speaking to any one and I had no access to my money or information as to how I went from owing them {XXXX} to now having a credit of {XXXX} that I can't access. Finally I decided to order something from XXXX for around {XXXX}. I quickly received this email : During our recent review of your American Express Serve Account, we identified Account activity that we believe violates the terms of the Serve Consumer User Agreement. 
As a result of such activity, and pursuant to Section 15 ( d ) of the Serve Consumer User Agreement, your Account and your Account privileges have been permanently suspended. 
Any remaining funds on your Account will be returned to you in a refund check mailed to the address currently on file for the Account. 
If you have any questions or would like to inquire further, you may write to us at the following address : Serve Customer Care XXXX. XXXX XXXX XXXX, GA XXXX I hadn't done anything to violate any terms, my account has been suspended with a negative balance for months and only as of XX/XX/XXXX did I have a credit for an account I cant access. These people are dirty and I want to see my statement and what happened that made my account go positive. I think i have every right to know why I had an account I could not access or even close. Thank You
Consumer complaint received 2019-07-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ENOVA INTERNATIONAL, INC. (SC)

Netcredit.com would not delete my personal information including name, email address, bank information, etc. The customer service rep said by Federal Law they could not delete my information. I believe that is incorrect. I want all my information deleted from all their records.
Consumer complaint received 2019-07-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (MD)

I canceled my cell phone bill with XXXX XXXX on XX/XX/XXXX, my last payment was for {$150.00}. I utilize a credit tracking service, which is how I was notified ofan outstanding bill of {$700.00} for the phone. I never received any notification from XXXX. When I called in they directed me to IC systems, the collection agency. A gentleman stated {$700.00} was due and showed an incorrect address of : XXXX XXXX XXXX XXXX XXXX  md XXXX. Unfortunately that is the address of my deceased grandmother and I have not lived at that location for over 2 years. XXXX has never emailed me, after failing to get in touch with me, and they have confirmed the email on file is correct. Despite no one reaching out to me, I called XX/XX/XXXX and paid the bill in full. The confirmation number for that payment is XXXX. 

I then called XXXX and spoke to XXXX in the collections department, she confirmed the wrong address on file and no additional addresses. After using XXXX for TV and internet, and having all my bills sent to the correct address, it is puzzling that it would be incorrect in the collections department and then incorrectly sent to the collections agency. 

Upon my request to cancel service, I was NOT informed the final bill would be mailed, nor did the agent confirm the correct mailing address. I have been emailed all other bills for this cellphone line by XXXX, and my XXXX TV and internet bills were mailed to the correct mailing address. I am saying this to say, XXXX as a company has the correct address associated with me somewhere in their system, they just didnt look hard enough. I have more than upheld my end as the customer, by paying all of my bills, but the service I have received from XXXX has been unacceptable.
Consumer complaint received 2022-12-29
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. (MN)

To whom it may concern I have did a little bit more research and investigation into account XXXX XXXX XXXX I had filed many complaints and disputes against your bank regarding credit reporting and I do believe that you are in full violation of the FCRA on multiple violations and I am writing to put your office and organization on full legal notice as well as all three of the major credit reporting agencies that will be attached to this particular and my final dispute to you before taking legal action. I asked you to review on your Company letterhead dated XX/XX/XXXX in which you stated that you would notify each credit reporting agency have an update in which the law requires you to if you review the credit report the required notice of dispute is missing there was no update you fail to notify the credit bureau that the consumer dispute and you have 30 days to do so if you review the credit report Equifax shows no dispute remarks at all 2 ) if you review experience credit report you will see the last dispute was conducted and on XX/XX/XXXX XXXX as well show the last update XX/XX/XXXX based on factual information that Im providing to you today shows that you did not notify the bureaus of any investigation that I dispute it with you the law requires you to notify the bureaus within 30 days of your investigation and as you can see you fail to do so which puts you in violation of the FCRA and I order in demand you to delete this account immediately or face consequences this is not a threat this is a promise remove this immediately have the bureau send me an updated credit report showing the deletion I think you for your full cooperation but XXXX XXXX the law is clear and Im a law Biden citizen and I will continue with legal action thats why the credit bureaus has been notified on this same complaint/dispute that you are receiving right now I want it removed now I asked you to review yours full statement in your letter thats uploaded I asked that you review both credit reports dates that you failed to do your job and most importantly you failed to follow the law And please be advised that you have an active dispute that youre working on is also a violation of the FCRA and I will come after you for {$1000.00} on that one as well if the account is not moved enough is enough remove it I think you for your full cooperation and look forward for the deletion! 
The credit report date is at the very bottom of the page and please Acknowledge you see XXXX XXXX
Consumer complaint received 2019-07-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (OH)

we had a tornado damage our house and after fighting with the insurance company they finally released the checks to the mortgage company listed, i have been fighting with them since XX/XX/XXXX about releasing the checks in a timely fashion to avoid further water damage to the property, we do have tarps but they only do so much and with the amount of rain we have been receiving we are afraid that we are incurring further damages, i have explained this to the mortgage company i called them on the XXXX of  XXXX they said they were pulling the checks and they would be sent overnight ( i paid for that ) on Friday XX/XX/XXXX, we didn't receive them today in the mail so i called and they were never shipped and had to actually create yet another shipping label for them to be sent overnight again to be delivered tomorrow XX/XX/XXXX. there are several reviews regarding the same issues with this company and im doing everything in my power to finally stop it so that they dont victimize anymore people.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (CA)

Per 31 U.S. Code 3104 Certificates of indebtedness and Treasury bills ( b ) Notwithstanding section 3121 ( a ) ( 5 ) of this title, the payment date of certificates of indebtedness and Treasury bills may not be more than one year after the date of issue. Which stipulates 31 U.S. Code 3121 Procedure : ( a ) In issuing obligations under sections 31023104 of this title, the Secretary of the Treasury may prescribe ( 1 ) whether an obligation is to be issued on an interest-bearing basis, a discount basis, or an interest-bearing and discount basis ; ( 2 ) regulations on the conditions under which the obligation will be offered for sale, including whether it will be offered for sale on a competitive or other basis ; on the basis of this the company did not report accurately in fact is in violation of 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' They did not get my written, verbal or electronic authorization to conduct or report to any which also puts them in violation of 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. With this all being inaccurately reported is in fact a violation of the Privacy Act of 1974. This account is an adverse item they are reporting again without my permission which is against the law.
Consumer complaint received 2019-07-08
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. (NY)

I have been trying to get these accounts removed from my report because these accounts are were closed because they dont belong to me and they were never late. 

I have contacted the XXXX XXXX XXXX, XXXX, XXXX and Equifax and all I have received from the credit bureaus on behalf of the Bank was excuses such as We cant find your file or send us more information at doesnt exist in short these excuses continue unchecked by the Govt and have been irreparably harmed.