davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc. (TX)

I had an account with Conns home appliance Inc. they charged the debt off and closed the account I their system. They have continued to report it to my credit as an open account t and have violated the fair debt collection practices act by attempting to get me to pay a charged off account as well as stated no matter what they law is, the collections will not stop. They also said the government will not do anything about it so I should just get over it.
Consumer complaint received 2024-04-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Millsap & Singer, LLC (MO)

The XXXX XXXX XXXX, XXXX. was appointed successor trustee per the attached documents, to perform a foreclosure on my home. ( See CFPB Complaint # XXXX ). However, when the XXXX XXXX XXXX, XXXX, discovered that it's client, XXXX XXXX XXXX XXXX XXXX did not have legal standing to pursue foreclosure, because the Deed of Trust, c/o XXXX XXXX XXXX XXXX XXXX XXXX  XXXXhat undergirded the foreclosure was void ab initio in that the Deed of Trust contained what purported to be my signature, when I was not on the Promissory Note. As such, XXXX XXXX XXXX XXXX, XXXX, abandoned the foreclosure. Then, XXXX XXXX XXXX XXXX XXXX reinitiated a foreclosure on my home ; however, this time, with Millsap & Singer, P.C., as successor trustee, who commenced yet another foreclosure. Millsap & Singer, P.C., committed serious breaches of the law when it commenced a foreclosure when it knew or had reason to know that its client, XXXX XXXX XXXX XXXXXXXX did not have legal standing to pursue foreclosure because the Deed of Trust that undergirds the foreclosure was not valid, by containing my signature when the accompanying Promissory Note did not contain my signature. 

Please refer to the attached Index of Exhibits that provide the legal basis to support the allegations contained here.
Consumer complaint received 2024-04-12
Product: Credit card — Store credit 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: CITIBANK, N.A. (NJ)

I have my payment made with an in-store credit card amounting to {$79.00} on XX/XX/XXXX with a balance of {$370.00}, My payment doesnt reflect vis-a-vis in store credit because when i inquire my balance yesterday XX/XX/24, it remains the same at $ XXXX think this is not the first time.i have with me all the receipts.if they have done this to me, they might be doing this to others because its a big store with branches in all US states.
Consumer complaint received 2020-12-16
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: Onity Group Inc. (DC)

PHH Mortgage has reported 30 days late payment for XX/XX/2020, when this payment was received within the grace period of the loan. The problem was corrected in the company 's records but not updated at the credit bureaus ' reporting.
Consumer complaint received 2018-04-25
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America SUBPRIME Mortgage/Bank Fraud! Need Help! 
Today I was contacted by a Bank of America representative named XXXX XXXX. 
He told me he was calling to collect {$39000.00} PLUS 11 YEARS INTEREST on a Bank of America and Countrywide Subprime mortgage loan, which I am unfamiliar with, on a house I sold years ago. He told me that his company had bought a loan in XXXX from Countrywide Subprime mortgage and started accruing interest on it and now in XXXX, 11 years later, he says Bank of America is demanding I pay them {$39000.00} PLUS INTEREST back to XXXX through XXXX. ON A HOUSE I SOLD YEARS AGO. 
I have never taken a loan out with Bank of America or Countrywide subprime Mortgage. 
An attorney had recommended that I call Bank of America years ago when I sold my home to confirm that I did not have a loan with their bank. 
Bank of America representatives repeatedly told me that there was no loan under my name or social security in their Bank of America system. 
XXXX XXXX of BofA told me today to call the main BofA phone number for an exact payoff, of an amount XXXX XXXX & BofA say I owe them. 
However, once I called the number given the BofA representative could not give me an amount that I supposedly owe. 
This is a clear cut case of Mortgage/Bank fraud on Bank of America 's part. 
A TRILLION dollar bank saved during the recession is taking advantage of the " little guy '' consumer, me. Bank of America has been convicted and settled out of court for mortgage fraud. This is simply another case off the same. 
I am a XXXX Veteran and do not have the income or money to defend myself against this corruption, nor do I have money to pay Bank of America what they say I owe them. Please help me. 

Thank you, XXXX XXXX
Consumer complaint received 2020-12-16
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. (FL)

I have disputed a child support account reporting on my XXXX and Experian reports for over a year and the credit bureaus keep reporting inaccurate information on my reports like payment history, amounts owed that has gotten me denied for credit applications numerous times.
Consumer complaint received 2018-12-18
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: Experian Information Solutions Inc. (WI)

I contacted all three credit bureaus about this account. It has been 30 days now with no response to my request for them to remove this hard inquiry off of my credit reports.This is causing me a great deal of hardship, I am trying to buy a home and this account has made my credit score go down drastically. I have XXXX children and I can't move into a bigger home with a low credit score. The credit bureaus did not follow the FCRA regulations in regard to this matter they were suppose to respond in a timely manner to my request I sent them certified letters through the United States postal service and still nothing!
Consumer complaint received 2018-12-18
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. (WI)

I contacted all three credit bureaus about this account. It has been 30 days now with no response to my request for them to remove this hard inquiry off of my credit reports.This is causing me a great deal of hardship, I am trying to buy a home and this account has made my credit score go down drastically. I have XXXX children and I can't move into a bigger home with a low credit score. The credit bureaus did not follow the FCRA regulations in regard to this matter they were suppose to respond in a timely manner to my request I sent them certified letters through the United States postal service and still nothing!
Consumer complaint received 2019-11-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JH Portfolio Debt Equities, LLC (MA)

I have no idea when Credit Control , LLC took over. I received no notice from the previous debt servicer that the loan had been sold to another debt service company. Months went by without communication from either company ( I cant for the life of me remember the name of the one prior ). When I finally received a notice from Credit Control , LLC it was an account statement that informed me I could now make payments on their website using my account number. When I called a very nice lady walked me through the process but to no avail. I made a mistake and got myself into debt when I was out of work. I spent too much money on a suit for a job interview that never netted me a job. Thats on me. However, in my opinion, its incumbent on the credit card companies and the debt service companies they sell to, to keep consumers - whether they have sterling credit or not so sterling credit - better informed. I may have just continued to send checks to a company that didnt have my debt, which was my fear when I couldnt log in to the website. I didnt, but you see the issue. My last communication with them was last week when we discovered my account number was invalid on the website. Ive called and emailed to ask at least for a letter showing chain of debt ownership and I have yet to get a response.
Consumer complaint received 2022-06-16
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 XXXX, Account # XXXX has violated my rights. 

15 US 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 an account without my written instructions.
Consumer complaint received 2022-03-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (GA)

Ally Auto continues to add extravagant late fees of {$71.00} to my auto account when it was not late. They have done this for previous months and still have not corrected the situation I have previously filed a complaint against them for this and they have lied and continued on. I looked at a recent statement and found out they added this {$71.00} dollar to my payoff fee that they can not explain. 

These lying XXXX XXXX XXXX XXXX XXXX crooks need to stop stealing money from customers in sly ways. This is not the end of this Ally. You continue to lie and change your method of theft.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2018-08-07
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. (CA)

On XX/XX/2018 I paid $ XXXX on my credit cards which paid 1 off. I paid XXXX on XXXX XXXX so may credit score may be improved when applying for a home mortgage. On XX/XX/2018 I phoned the creditors to ask them to make an out of cycle " billing cycle '' update to the 3 credit bureaus ( Transunion, XXXX & XXXX  ). All but XXXX XXXX would make the updates. Instead, XXXX XXXX sent me a letter outlining the $ XXXX payment and what the new balance was. I faxed this letter to all 3 credit bureaus. XXXX said they never got the fax although I had a confirmation page of the fax being successfully submitted. XXXX  made the update 7 days later so they in fact did get the fax. XXXX took the full 30 days to make the update although they said they would expedite the request. During phone conversations with XXXX  the representatives were inexperienced and unprofessional. On this occasion I asked to speak to a supervisor in the US and he could not find my credit file. 

TransUnion had deleted the XXXX XXXX account which lowered my credit score. It took multiple phone calls to get this information corrected. When working with TransUnion and XXXX it was difficult to understand the representatives from another country. They too had a difficult time understanding me and my request. I made a total of 15 calls to get one small issue resolved.
Consumer complaint received 2019-11-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (FL)

I have existing Checking / Savings Accounts with Wells Fargo Bank. Approximately 30 days ago I received a Rollover Roth IRA from a former employer and brought the required paperwork to a Personal Banker in the Wells Fargo XXXX in XXXX XXXX, California. It was apparent that he was inexperienced because he sent the wrong paperwork to XXXX XXXX, holder of the funds to be rolled over and a week later I had to resend the paperwork myself. After another two weeks of chaos and confusion on the part of Wells Fargo, I finally received the rollover check in the amount of {$810.00}. I contacted Wells Fargo Bank and was advised to " overnight '' the check to the XXXX, NC address Attn : IRA Processing. I XXXX Priority Mail " overnighted '' the check to Wells Fargo on Thursday XX/XX/XXXX. I checked the track and confirmed that delivery was attempted on Friday XX/XX/XXXX, Saturday XX/XX/XXXX and then the check was delivered and signed for by XXXX at Wells Fargo at the NC address on Monday XX/XX/XXXX. Today, Wednesday XX/XX/XXXX, I contacted Wells Fargo Bank and inquired the status of the check and was advised that the delivery was not in the system. Another " ticket '' was generated and Wells Fargo advised that I should call back at the end of the week.
Consumer complaint received 2019-11-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (IL)

I had XXXX XXXX account. I would notify of frauds-bank would never process FRAUDS OR credit Frauds and XXXX XXXX closed my account by messenger at XXXX XXXX AT NIGHT.
Consumer complaint received 2022-03-07
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP (OR)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX I signed a leasing contract to get a new XXXX  XXXX from this dealership. I was in the State for work and was in need to get a vehicle. I came to the dealer because I saw their advertisement of leasing with {$3000.00} down payment and XXXX XXXX monthly payment. I was told the advertised price didn't include the tax. They said if I put down only {$3000.00}, my monthly payment would at a higher range of $ XXXX. After going back and forth for several hours, I got really tired and said that I wanted to put {$7000.00} down payment to lower my monthly payment. I asked if I can keep the car after 2 year contract ends. They replied : " yes ''. So I sent them {$7000.00} to get the car. About 2 months later, I went to XXXX XXXX Dealership in XXXX, Florida asking to trade for a new XXXX  because I wanted a bigger car. I was told by this XXXX dealership that they would buy the XXXX XXXX back. They said that they " would help me get rid of the car with no problem :, and I can start paying for the new XXXX from the beginning which was around $ XXXX at no down payment. I asked what had happened to the {$7000.00} I put down 2 months prior. They said none of that money went to the XXXX  total price. I asked my colleagues and found out that {$7000.00} only applied to dealer fees and what called " market adjustment '' that XXXX XXXX decided themselves due to " the shortage of the market ''.
Consumer complaint received 2018-12-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BB&T CORPORATION (KY)

On XX/XX/XXXX I seen in my online account that there were multiple charges on my account that I didn't authorize. 1 charge was for {$1.00}, it was credited back to my account and then another charge for {$4.00} that's was also credited back to my account. There was another charge to XXXX XXXX for {$50.00}. So at XXXX when the XXXX number stated the customer service would be in I called. I was told by the over the phone person that there wasn't anything they could do until the payment posted. Which makes absolutely no sense to me, but they did give me the phone number for XXXX XXXX to try to get the charges stopped. She also stopped my bank card and stated they would send me a new card. I then called XXXX XXXX and they told me there was nothing they could do for me, that my bank would have to help me. Something about it being against the law to look for my card number in their system. 
Then on XX/XX/XXXX I checked my account online to find that the {$50.00} transaction did go through my account and I was also charged {$5.00} for a new card. I took off work to go to the bank, but not before calling other banks in my area to find out if this is how this should work. Other banks stated they would leave the amount pending until they had a chance to investigate the situation and wouldn't charge me for a new card for something that wasn't my fault. I went into my local BB & T branch where I was told I had to fill out an affidavit and it could 72 hours or more for my account to be credited back, and also that my charges didnt look like fraud to them. Mind you I live at least 9 hours or more from XXXX! Only when I said it's going to be rough not having access to my account did XXXX even offer to give me temporary card. So now I still have another {$1.00} charge on my account, and wondering if more fraudulent charges are going to come through my account and mess up my XXXX!
Consumer complaint received 2018-12-18
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: COAST PROFESSIONAL INC (PA)

XXXX,XXXXXXXX I contacted Coast Professionals about my student loans that are currently in collections. I spoke with XXXX XXXX and explained that I plan to file bankruptcy XX/XX/2018 however, my student loans would not be included. I asked what my options were at this time to which we discussed loan rehabilitation. I questioned if I needed to wait until after my bankruptcy but I was told it would be best to start the process now. So I paid {$5.00} to get started and called back at XXXXXXXX and spoke with XXXX to fill out the forms and fax them over with my financial information. I was told I also would need to call in today, XX/XX/2018, to make another payment by doing so I would be 2 months already into the program. I called today, XX/XX/2018 at XXXXXXXX and spoke with a woman to make the {$5.00} payment. After I made the payment and asked questions about the status of consolidated loans and individual loans, the woman explained to me that when I fail bankruptcy all the collection activity would stop. I asked her I I had to instead call in to make a payment and she told me that I could not do that while in bankruptcy which would mean I would fail the loan rehabilitation program and would not be able to reapply. I explained to her that I explained my intentions and bankruptcy XX/XX/2018 so why would they tell me it was best to do everything knowing I would fail. Very misleading and dishonest behavior when someone is attempting to fix their financial situation.
Consumer complaint received 2018-05-08
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (GA)

I have attempted to apply for mortgage assistance with Chase several times since my Ch XXXX bankruptcy and each time I applied they gave me the only option to short sale the property or complete a deed in lieu of foreclosure. They had a realtor come look and take pics of the property in preparation of a short sale. I have been in this process since XX/XX/XXXX. I had an offer right away was almost at closing when Chase closed my file reopened the file only for the potential buyer to walk away. We had to start the process all over again with a new potential buyer willing to give fair market asking price of {$85000.00}. Chase continued to have my realtor sign papers and had the documents forwarded to the buyer all the way up until XX/XX/XXXX. Chase failed to request a postponement of the foreclosure date. When I called ChaseXX/XX/XXXXthey informed me the House was now in active foreclosure and that they tried to request a postponement with XXXX XXXX the investor and their attorney office but they denied the short sale which doesnt make sense to keep asking for documents for the short sale up until XX/XX/XXXX. I contacted XXXX XXXX Attorneys office and they informed me that Chase did not reach out to them for postponement. Im very upset because I complied with everything Chase was asking of me and to allow my home to be foreclosed on, the potential buyer who was so patient in this drawn out process now has no deal to close on. From the very beginning Chase nor the Investor XXXX XXXX has not been helpful in this matter at all.
Consumer complaint received 2018-12-18
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. (WI)

I contacted all three credit bureaus through certified letters via the United States postal service over 30 days ago to have them investigate and remove this hard inquiry off of my credit reports. They have not responded this XXXX XXXX XXXX hit my credit report on XX/XX/18. I have not heard from the bureaus about my dispute request which violates the FCRA law, the credit bureaus has a responsibility to report accurate information and to respond to consumers in a timely manner.