davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NJ)

This is the response I received from LoanCare my mortgage company when I asked them why are they charging me a fee on my payment. This loan was transferred from a previous mortgage to Loan care with the contractual agreement that I had a 15 day grace to make my payment without any fees and now it seems they found a way to circumvent the system and charge me a processing fee because I making a payment online. I think this is predatory and blatant wrong the part of this company. I feel they are trying to squeeze every penny they can from their clients. Where is the consumer protection? 

Dear Valued Customer, Thank you for contacting us. 

We have received your recent inquiry regarding your mortgage account. Your mortgage payment is due on the XXXX of each month and you are provided with a 15 day grace period. Over the website the processing fees starts at {$5.00} after the XXXX of the month and then {$10.00} dollars after the XXXX of the month. If you want to avoid processing fees please make payment before the XXXX of the month or you can look into setting the account up on auto draft. For further assists please contact Customer service at XXXX Please DO NOT REPLY to this email. Your request has been marked resolved and this ticket has been CLOSED. Replies to this resolved ticket will not be monitored. If you need further assistance or have additional questions, please submit a new request by visiting our website and logging into your account. 

Sincerely, Customer Support XXXX XXXX XXXX XXXX   XXXX, VA XXXX
Consumer complaint received 2019-09-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

I reported on the telephone that I was a victim of a scam and that my card has been used without my permission. I explained that my credit limit was at XXXX and it was raised to XXXX without me knowing. The address email and telephone numbers had been changed. The initial lady was understanding she said this is fraud, she closed the account and issued a new account and set up a fraud complaint. 

On XX/XX/2019 got a letter confirming that a fraud case was opened and they were working on it. 

On XX/XX/2019 got a letter saying that they determined that I am responsible for charges because I did not identify specifically the disputed transactions. 


On XX/XX/XXXX I sent a detailed account and spreadsheet of what happened and what was being disputed. I sent this registered and it was signed for by a Best Buy representative on XX/XX/XXXX the day of delivery. Looks like the name is XXXX. XXXX I will attached a copy of the packet I sent in next section. 

I have received nothing from Best Buy and my attempts to get information by phone have failed. 

Since my letter in XXXX I have continued to make the minimum payment because I know that I am responsible for SOME of the balance. Best Buy continues to add interest on items that are disputed. Since XXXX they have added XXXX in interest charges and doubled my minimum payment to XXXX from XXXX. 

I had a account with a XXXX credit limit and now have an account with a XXXX credit limit and a balance of XXXX. 

How could Best Buy let this happen? At the most I might have a balance of XXXX my original credit limit. I never asked for an increase or charged this much. 

I need help with resolution.
Consumer complaint received 2019-05-02
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 attempting to collect on a debt I do not owe. I directly made a payment through the original creditor XXXX XXXX XXXX online and paid the balance in full. I should not have any balances or any collections for this account. I had no idea, I received no notifications or phone calls about this debt. And I did not get my 30 day right to dispute, which is a violation.
Consumer complaint received 2019-05-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

On XX/XX/2018, my Bank OF America credit card # XXXX was unilaterally cancelled by BOA. At the time of cancel, I had accumulated XXXX reward points with a cash value of {$2100.00}. This amount was available to me at any time as a cash refund, or as a credit on future purchases, or as a payment on the current balance. 

Bank of America has refused to give me my {$2100.00} in cash, credit, or any other way. By phone, they said once the card was cancelled, the points disappeared and were no longer available to me. 

This is theft without recourse.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2019-09-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AR)

Please see if you can follow what has happened and why we are so upset with LoanCare LLC. 
Our payment should have been corrected in XXXX of 2019 by escrow department to {$2200.00}. XXXX but has not. 

With a actual needed mortgage payment of {$2200.00} and a requested mortgage payment they are showing in their website is {$2900.00}, they are inferring a {$7900.00} shortage. 

That is bizarre. 

XXXX and Loancare were expecting to pay insurance of {$15000.00} in XXXX of 2019 but the real insurance amount paid is {$7900.00}. We changed companies to get a better rate. New insurance came into effect XXXX XXXX and was paid XX/XX/2019. 

If they paid incorrect amount to prior insurance company, that would have been refunded to them and would be there to pay new insurance company. Actually, there should be an overage in escrow accounts. 
So there would be no shortage in escrow accounts. There is no shortage in escrow accounts absent theft or mismanagement. 



So looking at the escrow account amounts shown LoanCares website, they are now showing proper amount for taxes and insurance but you have not changed the payment to reflect that. 
If you add {$1000.00} x12 which equals {$12000.00} needed for mortgage payment to principal and interest. Add to that property taxes of $ XXXX+XXXX+ homeowners insurance of {$7900.00} you get a total annual outlay of {$27000.00} When you divide that amount by 12 you get the monthly mortgage payment needed of {$2200.00}.

{$2900.00} x12 = {$35000.00} That is {$7900.00} more than they need to pay for everything associated with our loan. That is a huge shortage they are asserting. 

After our XXXX letter to the escrow department we determined they were not going to change the payment amount so we started paying in {$2200.00} as the correct amounts of mortgage payment. 

Now the collection department is asserting missed payments. 
And is threatening late fees etc. 

Regards, XXXX XXXX
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of XXXX XXXX data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful. 
I hereby notify you to ensure the accuracy of all your claims, as mandated by the XXXX XXXX reporting standard. 

Listed below are the Accounts that are being challenged 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX continues to misapply payments made in each month to my loans with the company. The most recent representative called me to say I did not make a payment in XXXX of XXXX, when I made a payment this month. Also, the representative before her told me I didnt make a payment in XXXX of XXXX, when I made a payment to XXXX XXXX in that month as well. Moreover, a XXXX XXXX representative called in XXXX of XXXX to place me into a forbearance program as long as I initiate automatic payments out of my account. I agreed and preceded the contractual agreement over the phone. After the forbearance period, there was not a payment automatically pulled from the account. I had to call XXXX XXXX and inquire about the missed auto-debit when I was informed that I never qualified for the program to begin with and therefore I was liable for the forbearance period. I spoke to a manager in the call center who promised a call back, but never called back. This has resulted in late payment reporting on my credit report and interest charges due to payments being considered late.
Consumer complaint received 2019-09-24
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: CITIBANK, N.A. (IL)

Merchant charged my card without authorization. I contacted merchant, but merchant did not resolve. I contacted card issuer. Card issuer failed to provide credit for unauthorized charge, even though I provided documentation proving that charge was not authorized and that I had contacted merchant.
Consumer complaint received 2024-03-07
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: EQUIFAX, INC. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that the account is 100 percent true, accurate, and correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct this account immediately : XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-24
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. (CA)

I am unable to call and speak with any of the three Credit Reporting Companies also known as XXXX XXXX, XXXX   and Experian. 

I want my current Consumer Statement removed from all of my Credit Report. I do not want any Consumer Statement on my Credit Report. 

I want the phone numbers to XXXX XXXX, XXXX and Experian so that I and other Citizens can call them directly to speak to them when I/ We discover a problem with my/ our Credit Report.
Consumer complaint received 2019-09-24
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. (CA)

I am unable to call and speak with any of the three Credit Reporting Companies also known as XXXX XXXX, Equifax and XXXX 

I want my current Consumer Statement removed from all of my Credit Report. I do not want any Consumer Statement on  my Credit Report. 

I want the phone numbers to XXXX XXXX, Equifax and XXXX  so that I and other Citizens can call them directly to speak to them when I/ We discover a problem with my/ our Credit Report.
Consumer complaint received 2019-09-24
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ad Astra Recovery Services Inc (NV)

AD ASTRA representing XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debts for two pay day loans of {$660.00} and {$1200.00} on XX/XX/2013. When I requested by law that they send me identifying documents to show that I owe this debt such as ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I cosigned for my daughter for a vehicle on XX/XX/XXXX through XXXX XXXX. Vehicle was XXXX XXXX XXXX ( used, ) when vehicle was paid off we received all documentation stating that it is paid in full they released the title we have all documentation from the company that provide those statements. However it continued to be reported to the credit bureaus on my account as well as my daughters account when I went to dispute it through the credit bureaus, XXXX XXXX sent a document stating they needed more proof in regards to this matter which therefore I submitted copies of the statements received stating accountants paid in full receiving title account is closed, after that I then received from the company a letter indicating that that is correct and they will remove it from the credit bureaus which they have and then put it back on and keep on reporting it till this current date have reached out numerous of times it is not being resolved my daughter is trying to get her account cleared through XXXX XXXX  we have submitted a complaint to the attorney general but may have to seek for a debt attorney do not know how to get this removed when they are constantly changing information to the credit bureaus in regards to this manner. Has impacted both credit scores tremendously
Consumer complaint received 2019-10-01
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

Sent 1 of 3 packages, ASSUMPTION, MODIFICATION, LOAN PACKAGE, letter said COMPLETE packages foreclosure on hold????? Never get a call or anything, WHY! what is status why foreclosure if all 3 packages sent!
Consumer complaint received 2019-09-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TX)

I sent certified mail to National Credit Systems on XX/XX/2019 to send proof of this debt and where was it acquired from what was the original amount, proof of my signature, etc. They have yet to provide to me any of the information I have asked and our now in violation of FCRA and FDCPA.
Consumer complaint received 2023-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2019-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I owned my CapitalOne credit card since XX/XX/XXXX ( 100 % payments, never late ). In XX/XX/XXXX I have changed my name, which I have informed CapitalOne and they send me a new card with my new name ( not sure if it's relevant, but that was the last time when capital one stopped reporting on XXXX XXXX ). 

Problem : In XX/XX/XXXX I have been informed on XXXX that my credit score dropped 50 points ( just made my 100 % payment before the due date, no other changes were made to my accounts at that time ). When I studied closely my credit report on XXXX, I have found that CapitalOne payment was reported from XXXX, and also myXXXX XXXX card reported ( only on XXXX ) debt over my credit limit. However, my financial aid ( latest  from summer XXXX ) was reported correctly and other XXXX XXXX was also recorded correctly. The XXXX website mentioned that thay have pulled the information from XXXX  credit report company. I have immediately checked my XXXX account, where everything was correct. I have also pulled my credit reports from XXXX, XXXX and XXXX where everything was also correct. 

To sum up, everything was completely correct, beside XXXX XXXX report of my Capital One account ( not reporting from XX/XX/XXXX ), and the amount ( even over my credit limit ) of my XXXX XXXX which I haven't used for over a year. 

So, I have been advised to send a letter explaining this problem to CapitalOne, which I did. Nothing happened until XX/XX/XXXX, when I have try to use my credit card, which was declined. I immediately called Capital One. I have called them 3 times more to Capital One. They told me that my account was closed, so they can't tell me anything. I have even been promised by manager to call me about this problem. Later, I have received a letter that they find my claim FRAUDULENT (? ) and they will close my account. 

I have tried contact Capital One again after I have received the letter, and I have been told : " We have been advised to not to tell you anything ''. 

I understand that credit card companies can close an account without a reason, but I want to know WHAT WAS FRAUDULENT? As my credit score dropped 100 points, I want to know what actually happened?
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In Accordance with the Fair Credit Reporting Act. The three credit bureaus below has violated my rights. XXXX, XXXX and Transunion. 

this is the correct info that should appear on my credit reports. 

Name : XXXX XXXX XXXX Date of Birth : XXXX Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX
Consumer complaint received 2023-04-05
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

I signed up for a store Credit Card with Amazon through Synchrony Bank in 2018. I put it on automatic payments. I should of been close to paying it off. A credit report showed me I still owed for than more I purchased on it. So I logged in to check my account. Apparently I was being charged a Security fee on top of Interest. So the minimum payment would not cover it. I was charged a security fee for almost 5 years for about XXXX dollars a month. I never agreed to the security fee. They opted me in but won't tell me how I agreed to it. I was able to cancel it, but they will only refund me for one year.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2019-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (NH)

WE have 2 checking accounts with the bank. One day my wife is on her way to work and started to receive tons of messages on her phone. She gets to work and logs onto the account and it stats that we had made a " XXXX '' transfer to someone that we do not know for {$1000.00} & {$900.00} So she calls the bank. She tried a request your money back with XXXX but was only able to do it with the {$1000.00} as it was the only account showing on her end. The bank stated she was online when it happened so she must have helped them. Then they stated she gave personal information away. None of this is true! WE NEVER gave personal information regarding our online banking account. Citizens OFFERS XXXX in their online banking APP and online. They should be protecting us! That is why we use a large bank like CITIZENS as we would expect them to protect our money! Modo : Ensuring the safety of your customer information is as important to us as it is to you. To prevent fraud and shield your critical financial information, Citizens Bank uses a number of powerful security measures to protect you online. We encourage you to learn more about the steps we take to secure your confidential information.
Consumer complaint received 2019-09-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRANSWORLD SYSTEMS INC (FL)

On XX/XX/2019, NCC Business Services charged my account {$440.00}. I did not authorize this, nor have I ever had an account with them. I called to speak with them today, they informed me there was no way to look up the charge since they were unable to locate an account in my name & then hung up on me.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

these items, and that the inaccurate items be deleted from my record. 
These accounts are showing on TransUnion ; XXXX and XXXX Item Number Company Name Account Number Comments 1. XXXX XXXX XXXX Charge Off 2. XXXX XXXX XXXX Charge Off 3. XXXX XXXX XXXX XXXX Charge Off 4. XXXX XXXX XXXX XXXX Charge Off 5. XXXX XXXX XXXX XXXX Charge Off 6. XXXX XXXX XXXX XXXX Charge Off 7. XXXX XXXX XXXX XXXX XXXX