davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-10
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. (SC)

Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ISSUES : LATE PAYMENTS ARE NOT CORRECT AND NEEDS TO BE CORRECTED. 

Good morning, I have disputed the late payments for the account above with the financial institution, and they agreed with my comments and agree to delete the late payments they have posted it on my credit report. They sent me a letter in XXXX with he following statements XXXX XXXX  has finished to the credit reports agencies on the above reference account after their investigation an update on their records as to show no late payments. No agency has made a change to this account and still has this account showing late payment. 

please update this account immediately in order to not report false and inaccurate information.
Consumer complaint received 2024-04-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation (WA)

Applied for a credit card thru XXXX XXXX, with Aspire, back in XX/XX/2024. Was approved but still havent received a credit card, now they are billing me {$39.00}. I have called several times and get no results, was even hung up on once, and another time computer problems and would call back, havent gotten a call yet! 
Another company thru XXXX XXXX I was also approved for, XXXX, same situation, was approved and havent gotten a credit card, this also has been going on for several months.
Consumer complaint received 2019-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

XXXX XXXX # XXXX is reporting a late I do not owe. My account is on auto payment and I know it was paid that month. This late is added in error and is inaccurate and should not be there.
Consumer complaint received 2019-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (UT)

Wells Fargo # XXXX is reporting a late I do not owe. My account is on auto payment and I know it was paid that month. This late is added in error and is inaccurate and should not be there.
Consumer complaint received 2019-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO. (CA)

In XXXX of 2015 Chase Bank put a 30 and a 60 day late payment on my account. This was a business account that was supposed to be closed in XXXX but due to some charges after our business closing which should have been denied, the account got charged and became active again. We closed the account because we had closed the business, and since the business did not exist at the location anymore we did not receive any mail or bill so that we could pay this off on time. In XXXX when I went into the bank I was told that I had this negative balance on this card which is now closed due to non payment and I started to pay the balance back down. I have been a long time Chase customer and have never had any issues with any payment and would request that this late payment be taken off my history. This has been affecting my credit history and holding me back and has greatly affected my credit score.
Consumer complaint received 2024-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

Bank of America continues to deduct money for transactions already processed. When going over the statement it only shows the amount deducted once. In the app it shows the balance after said transactions, but when you go back in there is a lower balance with the same transaction history.
Consumer complaint received 2019-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: HUNTINGTON NATIONAL BANK, THE (OH)

OnXX/XX/2019 Huntington took {$180.00} and some change out of my account ; when I called to try and find out what happened they told me that they took it out from 2 years ago for {$12.00} and some change when I had a overdraft fee. When I told them they couldn't do that they said yes they could because it's the same bank they told me {$100.00} was for a fee and that the {$81.00} was for something I had no clue what it was. I asked if they could put it back but they told me that there was nothing that they could do so I closed my account around 4:50 p.m. that day. I believe these practices to be in violation of Unfair, Deceptive or Abusive Acts and Practices, Section 5 of the Federal Trade Commission Act ( FTC Act ), 15 USC 45 ( a ) ( 1 ) ( UDAP ), as I was only 18 at the time of the occurrence. I believe that the banks practices are predatory and deceptive for younger Americans. I want Huntington to refund the money taken out of my account and an apology issued. I will also be reached out to the Ohio Attorney General and the XXXX  in regards to this banks deceptive practices. I have reached out to Huntington to resolve my concerns and they have been less than helpful. Please assist in resolving this issue.
Consumer complaint received 2022-07-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (MI)

In XXXX of 2019 I was called by a collection company stating I owed {$320.00} for what was a XXXX XXXX bill. I had never received a bill from XXXX stating I owed any balance, and when I received the call from the collection company they were very rude and threating on the phone. I would've paid the bill if I had received one from XXXX but I never did. When I got the call from the collection company I had asked them to prove that I was the one who owed the debt. They refused to do so, saying they did not have to prove it and that I owed it. Anyways, I paid them that same day so I wouldn't have to deal with them any longer. Now I am trying to buy a home and this paid collection is hurting my scores.
Consumer complaint received 2019-07-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings (OH)

I had a payment get returned. I received a call from them to settle the matter. I told them I would pay them XX/XX/XXXX and figure out how to pay the past due. They keep calling me and my wife after giving them my answer.
Consumer complaint received 2019-07-02
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Revenue Corporation (TX)

2 parts. 

The wrong amount is and was tried to be collected. I was awarded charity for my medical bills. My hospital stays were discounted by 90 %. I never received bills by the original doctor office so that I could provide them the charity letter from the main hospital. 

The 2nd part is collections are not supposed to be on the credit report until after 180 days that it is delinquent. I was discharged from the hospital XX/XX/XXXX from my 1st XXXX. My credit was hit XX/XX/XXXX for the bills and at the incorrect and intimidating amounts. That was not 180 days. The 2nd acct says date opened XX/XX/XXXX, then first reported just a few months later. The 180 days would have been XX/XX/XXXX. I see this on my credit as of XX/XX/XXXX. I would like to have this removed as this is a ball of who shot john. Also remove all personal information from your databases.
Consumer complaint received 2023-02-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (NC)

I have a mortgage with Wells Fargo. I requested a modification on my loan due to medical hardship for my elderly dependent father. I requested this modification in XX/XX/XXXX, my documentation was lost several times, the shortage I paid for my escrow was not applied {$1600.00}, information was requested several times, I was asked the same question several times. XXXX XXXX in the Home Preservation Department couldn't answer any of my question, never answered her phone and when I did call, she could not provide answers she just repeatedly asked for the same information. I filed a complaint case still no resolve. As of today, I paid the storage escrow for my mortgage XXXX of XXXX, the modification amounts are still incorrectly Wells Fargo has calculated a higher monthly payment due to a storage paid in XXXX of XXXX. My numbers are incorrect, customer service is incompetent and I'm getting overcharged on my monthly mortgage. 

I have already spoken to XXXX XXXX, XXXX XXXX ( executive Office Case Manager ) Case number # XXXX, XXXX XXXX, and XXXX XXXX, I was assured that the escrow payment would be applied, I was also sent written confirmation of such and as of today, my escrow is still short, and the monthly payment is incorrect.
Consumer complaint received 2022-12-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (ND)

6 Months ago I relocated from XXXX XXXX XXXX XXXX XXXX. At that time, I notified Capital One Auto Finance where the car was and that was I going to need to do anything. They said no-we now recognize that your title is in ND. This was back in XXXX, XXXX  and I knew who I was speaking to was wrong. I any event, they made a huge mistake on my title by putting my ex-Husband on the Title. When I re-financed through Capital One 3 years ago, the loan is in my name only and Capital One knows that my ex-husband had nothing to do with this XXXX XXXX XXXX XXXX I have been trying to get the title transferred to XXXX XXXX  and for 6 months they have done nothing. Now they are telling me I have to get a court order to have my ex-husband 's name removed because of their mistake. I have tried everything with them and I need help somehow. My payments are on time. They will not respond to the XXXX XXXX XXXX XXXX XXXX I need a letter from them on their letterhead stating that the loan is in my name only. They've refused to give that to me. They are clearly breaking the law and some watchdog agency has got to stop them. This is their mistake, not mine. They have done nothing in 6 months except lie to me.
Consumer complaint received 2019-07-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (GA)

I HAVE BEEN MISS LED " BY NELNET WHO IS MANAGING ALL MY STUDENT LOANS, AND THE US DEPARTMENT OF EDUCATION ' ALL MY STUDENT LOANS ARE REPORTING ' DUPLICATE LOANS EVERY TIME I CALL NELNET AND THE DEPARTMENT OF EDUCATION, THEY HAVE LOANS THAT ARE NOT REPORTING ACCURATELY. THIS PRACTICE HAS RUIN MY CREDIT MY LIVELY HOOD AND ANY CHANCE FOR A JOB IN THE FIELDS THAT I WENT TO SCHOOL TO OBTAIN A PROFESSIONAL JOB.
Consumer complaint received 2019-07-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

All documents have been sent to PennyMac loss draft department to release insurance check to repair home! Company refuse to release funds so contractors can fix home. I have payed out of my pocket to repair some repairs. I'm not able to live in home! Theres no kitchen! Roof needs repaired! I have been sleeping on someone else sofa! My insurance company verified check has been cashed and cleared. The home is at 50 % repaired!
Consumer complaint received 2019-07-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: 2288984 Ontario Inc. (TX)

I contacted Money Key regarding my account number is XXXX. I explained that my main bank checking account listed with Money Key was hacked by ID thieves. I was informed by law enforcement to file a report with the Police, Texas  Attorney General office, and Consumer Finance Protection Board. I have no way to make my final payment right now pending this investigation and reestablishing my direct deposit from my XXXX pension fund. Is there any way that Money Key could give me an extension on this final payment without reporting it as a negative entry to my already decimated credit profile? If you need me to compete an affidavit please send me the link or document via email, XXXX. Here are the report numbers for verification and to place a collections suppression order on this account *XXXX Police Department 's Economic Crimes Unit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   *OAG/Federal Trade Commission Affidavit , # XXXX *Consumer Financial Protection Bureau , # XXXX
Consumer complaint received 2019-07-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (TX)

I am paying extra principal and on an every two week payment plan, and I am trying to get a written amortization schedule. I sent my request in writing only to be told via e-mail on XX/XX/XXXX that I must call. 

I called today and spoke with someone in Customer service. She told me to go online and there was a calculator there that I could use, so I kept her on the phone so that she could help me, only to discover that the calculator could not compute this for my situation. I asked to speak to a manager, and received XXXX ( who can not give out her last name ), Escalation Specialist, # XXXX, who also could not assist. 

All I want is a written amortization schedule showing how this loan will be paid off over time by making my every other week payment and extra principal. I was told that they could not give me this in writing because it would be an estimate. That makes absolutley no sense since this is a fixed loan, paying it a fixed way, with a fixed interest rate and a fixed amount of extra principal. 

Is something being hidden by Flagstar that they can not show? It is very odd. 

I will appreciate your assistance.
Consumer complaint received 2019-07-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MS)

I'd like to add that since I first submitted a complaint to FedLoan, I  heard a news story on XXXX about how many people are having the same issues I've had. The PSLF program is in disarray, and dealing with FedLoan Servicing is very difficult. I handled congressional inquiries for a U.S. Senator, and just yesterday, I received a call from a constituent who is having the same problem I am - as are many.
Consumer complaint received 2019-07-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCC Business Services, Inc. (CA)

I am writing to dispute a collections account on my credit report. The account is under NCC Business Services with original creditor being XXXX XXXX XXXX. 
This item is inaccurate because we did not receive an itemized statement of deductions and receipt from vendors within 21 days ( CA Civil Code 1950.5 ). The leasing agency issued us the necessary documents on XX/XX/2018 via USPS mail then immediately sent us to collections the next day ( XX/XX/2018 ). I am not disputing the amount owed, as once we received the itemized statement, we agreed and just recently paid the bill in full, but I am disputing the collections agency reporting. I have called both NCC Business services and filed disputes with all 3 credit bureaus with no success. I am attaching email documentation that shows the original leasing company did not send the itemized statement to the correct address as we provided upon move out. I am also attaching the dispute letters I sent to the 3 credit bureaus.
Consumer complaint received 2019-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: HW Holding, Inc (TX)

I COULDN'T BELIEVE WHAT WAS ON MY CREDIT REPORT ABOUT OWEING PAST RENT FROM THE TWO DIFFERENT AGENCIES. IN A DIFFRENT STATE.. never lived there in my life. Called tryed to explain aske auestions for over 3 weeks will not listen. Nothing is adds up to me or my last name. Dob. S.s.n. very rude they will not take it off. I have lived in XXXX.tx all my life.
Consumer complaint received 2021-02-16
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I have been trying to get my name change for months now and nothing i have proof my name is XXXX XXXX NOT XXXX or XXXX. I have also been to get XXXX XXXX off my report it over 7 years old and need off now
Consumer complaint received 2019-07-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USI Solutions Inc. (CA)

on or about XX/XX/XXXX I received a letter from XXXX XXXX indicating that I owe {$15000.00} to the current creditor listed as USI Solutions. ( original creditor XXXX XXXX XXXX ) debt was incurred between the years of XXXX and XXXX. 
original account number : XXXX CS number : XXXX the letter states that unless I dispute all or part of the amount the creditor will assume the debt to be valid. the letter also states that upon written request the office will provide verification of the debt or forward a copy of judgement. 
on or about XX/XX/XXXX I contacted XXXX XXXX and spoke to a CSR before requesting to be transferred to a supervisor. I informed a Mr. XXXX XXXX that I would be requesting written verrification as outlined in the letter AND filing complaints with all appropriate organizations. 
on or about XX/XX/XXXX I submitted a request for written verification. 
on or about XX/XX/XXXX I called XXXX XXXX to request status. I was informed that the case was returned to USI Solutions and no futher action would be taken CONTRARY TO STATEMENTS in the letter received on XX/XX/XXXX. I was referred to USI Solutions. 
XX/XX/XXXX I spoke to XXXX XXXX re : the above and was referred to XXXX XXXX. 
XX/XX/XXXX ANOTHER call to XXXX XXXX and I am informed that the case was returned to USI Solutions. 
as of XX/XX/XXXX I have received nothing further. 
I was never a customer of XXXX XXXX XXXX until XXXX purchased XX/XX/XXXXXXXX. I am still a XXXX customer and there are no outstanding issues with my account. 
a search of the XXXX XXXX XXXX files for USI Solutions indicates that this scam has been perpetrated on others.
Consumer complaint received 2021-03-09
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. (OR)

Hello, First of I would like to thank everyone attending this matter that is very important to myself. With that being said, I regret to inform that I believe that unfair and incorrect information is being reported on my credit profile. I disputed with XXXX, XXXX, and Experian and the investigation to me, was not resourceful to correct my credit profile. Various unfair Inquiries were reported on my profile, I disputed such actions, I personally took the time to talk to each creditor who appears on my profile and not a single one had paperwork or proof of such Inquiry. I feel cheated by such thing that is why I have decided to dispute this with CFPB. The false inquiries reported are the following, along with the reporting credit bureau. 

XXXX : XXXX XXXX XXXX, XXXX. XX/XX/2019, XXXX  XXXX XX/XX/2019, XXXX XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XX/XX/2019. 

XXXX : XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XXXX Via XXXX XXXX XX/XX/2019 EXPERIAN : XXXX CREDIT/XXXX XXXX XXXX XX/XX/2019, XXXX XXXX  XX/XX/2019, XXXX XXXX XXXX Finance XX/XX/2019 The previously listed Inquiries Were NOT approved or Authorized by me and I would greatly appreciated if the CFPB would help me out, This is my last resort to disputing false information being reported on my credit report.
Consumer complaint received 2016-06-21
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (CA)

I applied to Chase Mortgage to finance a house I am trying to buy. Chase approved my mortgage, issued a commitment letter, and gave me final Closing Disclosures on XXXX/XXXX/2016 just before escrow close. Since the loan was ready to go, I released the loan contingency on escrow. 

On the day I was to sign the close, Chase then told me that the terms of the loan need to change. The Closing Disclosures clearly indicate that I am to receive a sellers credit of {$7000.00} and a lenders credit of {$4900.00} ( {$11000.00} total ) with a cash-to-close of {$110000.00}. Now I am being told that of the {$11000.00} total credit, they can only apply {$5700.00} against the closing fees. They are now asking me to just " buy down the loan '' to apply the balance of my credit. The cash-to-close would thus be higher. They also told me that I could renegotiate a reduction in price. 

I exchanged multiple emails with the Chase Mortgage Banker, XXXX XXXX ( XXXX ID XXXX ), asking him if I would get full credit for both the seller and lender credits and he expressly stated that I would. This is in fact what was reflected in the Closing Disclosures that Chase subsequently provided. 

I need to speak to these guys to discuss options. They have not responded to my emails or my phone calls since this morning. We need to close escrow and the lender is not present. The Lending Manager at Chase, XXXX XXXX XXXX ( XXXX ID XXXX ), was copied on this issue and he has not responded either. He does not respond to telephone calls either. 

Are these bankers in violation of any regulations against misleading borrowers? Is this behavior a violation of the Truth in Lending Act and Secure and Fair Enforcement Act? Can you please help me sort this out with Chase?