davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC (MI)

XXXX XXXX sent me a letter dated XX/XX/XXXX claiming that I ( XXXX XXXX ) have done and/or you ( XXXX XXXX ) the following : -Neglected to pay promptly my obligations -Failed send money as a payment -Failed to use the opportunity to contact XXXX XXXXthat XXXX XXXX has offered -Billed me repeatedly ( inferring that I have ignored your statements sent to my residence ) -Owing a lump sum of {$8200.00} for XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX claims are in error ( blatantly wrong ) because : -I sent a resolution letter stating what I can on a monthly basis on XX/XX/XXXX - {$5.00} per month sent out by the XX/XX/XXXX of each month as a payment - {$5.00} payment was enclosed in the resolution letter for XX/XX/XXXX payment There are three ( 3 ) different debts that I owe from XXXX that I sent three ( 3 ) separate resolution letters for, which are : -Account # XXXX -Account # XXXX -Account # XXXX Each month, three ( 3 ) seperate letters are sent with {$5.00} payments all to XXXX XXXX at XXXX. XXXX XXXX, XXXX, MI XXXX I have only received one ( 1 ) letter each for each of the three ( 3 ) different debts and never repeated billing of each of the three ( 3 ) different debts and/or phone calls. 


Therefore, XXXX XXXX letter comes off as predatory and intended to scare me into your terms and conditions of payment. In the resolution letter, XXXX XXXX has had the opportunity to communicate with me via postal mail. By postal mail, it is most effective to keep documentation of what is discussed between us ( XXXX XXXX and myself ). Instead, XXXX XXXX sent me a predatory letter with erroneous claims. Plus, when did XXXX XXXX and Iagree to combine accounts into a lump sum amount to pay towards?
Consumer complaint received 2022-03-30
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. (FL)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

We were victims of check fraud. A criminal ring in XXXX Texas somehow accessed our checking information and forged our checks. They started writing checks with forged signatures on our account. The checks did not follow our standard check use pattern, the signatures are clearly forged and more importantly the checks had duplicate numbers. That is, the forged checks had numbers that were duplicates of real checks we were using. We never had checks with the duplicate numbers. Bank of America did NOT notice the forged checks. We eventually did when the criminals became more comfortable and started writing daily checks on the account. We reported the problem, did everything Bank of America asked of us, and were told the problem was handled. This was after we spent hours on the phone with Bank of America. We were reimbursed the amounts fraudulently taken from our account, so we assumed the problem was resolved. Now, 60 days after we discovered the fact, Bank of America is telling us that we are responsible for not detecting the fraud and that we are liable for the entire amount that was stolen from our account. They are denying 80 % of the claim -- even though their fraud system failed to notice that the forged checks had account numbers that were duplicates of our own valid checks. We have attempted to contact Bank of America to dispute this but are in " consumer '' department XXXX being transferred to agents who can't help or offer options.
Consumer complaint received 2019-08-18
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 (FL)

About 3 years ago I was hospitalized In could not pay you need bills and I was living with my parents for a month after for recovery. I had 2 capital one cards,  That were marked 3 months late payments and my account was restricted and shutdown. When I finally got the opportunity I called them and they promised if I paid the full balance that day they would correct the late payments due to the situation and "unrestrict" my cards. I agreed paid both in full right there and requested 1 be cancelled and I would just keep the 1 card in total.  So they took my payments reassuring me they would be marked on time for the time I was in the hospital. Canceled the 1 card due to my request.  3 years later the other card is still restricted And they never marked either one paid on time like they had agreed . I have disputed this probably 10 to 15 times over the last 3 years I have called them multiple times over and over asking for supervisors writing letters and no one is holding up What I was told. I feel like I was taken advantage of by someone who wanted to get credit for taking a payment on a  Restricted accounts.  Today I called and they told me it's impossible for anyone to fix anything. I just want them to mark my payments on time like they promised on both cards.
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX account XXXX is inaccurately reporting information to the credit bureaus. A letter was sent to the 3 major credit bureaus requesting that that verify the tradeline XXXX XXXX XXXX was reporting. The investigation came back as accurate. I have no idea how this is possible. 

1st. The high balance is different on every report. XXXX  is reporting a high balance of {$460.00}, while XXXX & Experian isnt reporting a high balance at all. How can the tradeline be valid if its not reporting the same with every bureau. 

2. The date of last activity is different on every report. XXXX  has a XX/XX/XXXX date of last activity. Experian has a XX/XX/XXXX date of last activity & XXXX  has a XX/XX/XXXX date of last activity. Again, how can XXXX be reporting accurately if its not reporting the same with all 3 bureaus.

3. The payment history is different with every bureau. Experian shows that the account was charged off in XX/XX/XXXX but then shows payments from XXXX but then shows charge offs XX/XX/XXXX & XX/XX/XXXX. How is this even possible?? If the account charged off in XX/XX/XXXX how are payments able to be made in XX/XX/XXXX all the way to XXXX of XXXX? Makes no sense. XXXX  doesnt even have a charge off reporting and XXXX  doesnt have any payments reporting at all. 

Theres no way XXXX XXXX XXXX can truly say they are we reporting accurately when EVERYTHING is different on each credit bureaus. Im demanding that the entire tradeline be deleted!
Consumer complaint received 2018-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NY)

In response to complaint XXXX, I have provided this information over 30 calendar days ago, and provided it again today. I have enclosed copies of the correspondence. Equifax 's breach is obviously more serious than originally reported, I would suggest a full investigation. I have not been able to access my credit report in fiscal 2018 and have good reason to believe that it is tainted with incorrect information due to the data breach. This is my last step prior to litigation.
Consumer complaint received 2021-03-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (CA)

MACY 'S / DSNB is stating on my credit report that I owe them {$3000.00}. This debit is part of a Federal Debt Relief Program and my account is in good standing. I am enclosing the statement on my Credit Report and a Letter in Good Standing. The total amount due is under {$300.00} and the derogatory statement should come off my credit report and the balance should reflect the actual amount due.
Consumer complaint received 2020-09-07
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Minto Financial dba Minto Money (FL)

I took out a payday loan of {$370.00}. On their website, it was advertised as a 7 % interest rate. Looking at my checking account, I'm wondering why I've been paying {$100.00} every two weeks on a {$370.00} loan. I called the company in which then I was told it was an interest rate of 721 %! That is not what it was advertised as. Also, in the state of Florida, a lender can not legally use an interest rate over 304 %. So what this company has done to me is illegal. They have charged me {$100.00} on XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, and XX/XX/20. This is way over my loan and almost over the legal interest rate in my state. This company deliberately advertises their interest rates lower then sneakily bumps it up once you sign. When I signed, it was 7.2 % interest. Not 721 %.
Consumer complaint received 2020-09-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NC)

My mortgage company LoanCare LLc, will not allow me to have online access to my monthly mortgage statements. They say they have been sending them to my bankruptcy attorney, since filling a chapterXXXX, in 2015. 
Also while under the bankruptcy I am not allowed to have access to my account nor receive statements. 

Thank you.
Consumer complaint received 2022-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 ; It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/XXXX I was billed an annual fee of {$29.00} on my Capital One XXXX credit card. This card was originally opened in XX/XX/XXXX as a starter card to build up my credit. Within the last year, Capital One upgraded me to the new version of the same XXXX credit card. I called Capital One to question why I am still getting charged an annual fee of {$29.00} when it clearly states on their website that this card has no annual fee. I was told that the annual fee is dependent on the credit rating. I stated that can not be true because in the credit card lending statement it nowhere states that credit rating can affect and change the annual fee. They retracted and said that is correct but my annual fee has been carried over from my original terms. I spoke to a XXXX and they stated that they can not permanently remove the annual fee from this card even though if I were to apply for this same exact card right now, it would have no annual fee. I explained to them that is unfair to a consumer. I get a credit card with their company to build my credit. I do exactly what the card is designed to do which is to build my credit. I have had this card for 9 years and built my credit up to XXXX but Capital One can not honor what it states on the terms for this credit card. The XXXX credited me the annual fee for this year but told me the only options that I have is the cancel the card or apply for a new one. I asked if they could upgrade me to a card with no annual fee. They stated that they have no cards that I can be upgraded to without a fee. In conclusion, Capital One has only left me the option to cancel my credit card and lose 9 years of good credit history or run my credit for a new card with them to a new card because I can not be upgraded. Doing both these options will lower my XXXX XXXX. So if I want my credit not to be affected I have to pay an annual fee on a card that no longer has an annual fee.
Consumer complaint received 2019-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (IL)

XXXX hired a collection agency for equipment that was not promptly returned after service was terminated by me. I sent XXXX the equipment back using their return arrangement with XXXX XXXX XXXX about a year ago. The collection agency stopped contacting me, and now it has started again. I do not owe XXXX. They have their equipment. The amount in dispute is {$370.00}
Consumer complaint received 2021-05-06
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. (OH)

XXXX XXXX XXXX account XXXX is inaccurately reporting information to the credit bureaus. A letter was sent to the 3 major credit bureaus requesting that that verify the tradeline XXXX XXXX XXXX was reporting. The investigation came back as accurate. I have no idea how this is possible. 

1st. The high balance is different on every report. XXXX  is reporting a high balance of {$460.00}, while Equifax & XXXX  isnt reporting a high balance at all. How can the tradeline be valid if its not reporting the same with every bureau. 

2. The date of last activity is different on every report. XXXX  has a XX/XX/XXXX date of last activity. XXXX  has a XX/XX/XXXX date of last activity & Equifax has a XX/XX/XXXX date of last activity. Again, how can XXXX be reporting accurately if its not reporting the same with all 3 bureaus.

3. The payment history is different with every bureau. XXXX  shows that the account was charged off in XX/XX/XXXX but then shows payments from XXXX but then shows charge offs XX/XX/XXXX & XX/XX/XXXX. How is this even possible?? If the account charged off in XX/XX/XXXX how are payments able to be made in XX/XX/XXXX all the way to XXXX of XXXX? Makes no sense. Equifax doesnt even have a charge off reporting and XXXX  doesnt have any payments reporting at all. 

Theres no way XXXX XXXX XXXX can truly say they are we reporting accurately when EVERYTHING is different on each credit bureaus. Im demanding that the entire tradeline be deleted!
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX  XXXX XXXX  account XXXX is inaccurately reporting information to the credit bureaus. A letter was sent to the 3 major credit bureaus requesting that that verify the tradeline XXXX XXXX XXXX  was reporting. The investigation came back as accurate. I have no idea how this is possible. 

1st. The high balance is different on every report. TransUnion is reporting a high balance of {$460.00}, while XXXX  & XXXX isnt reporting a high balance at all. How can the tradeline be valid if its not reporting the same with every bureau. 

2. The date of last activity is different on every report. TransUnion has a XX/XX/XXXX date of last activity. XXXX  has a XX/XX/XXXX date of last activity & XXXX  has a XX/XX/XXXX date of last activity. Again, how can XXXX be reporting accurately if its not reporting the same with all 3 bureaus. 

3. The payment history is different with every bureau. XXXX  shows that the account was charged off in XX/XX/XXXX but then shows payments from XXXX but then shows charge offs XX/XX/XXXX & XX/XX/XXXX. How is this even possible?? If the account charged off in XX/XX/XXXX how are payments able to be made in XX/XX/XXXX all the way to XXXX of XXXX? Makes no sense. XXXX  doesnt even have a charge off reporting and TransUnion doesnt have any payments reporting at all. 

Theres no way XXXX XXXX XXXX can truly say they are we reporting accurately when EVERYTHING is different on each credit bureaus. Im demanding that the entire tradeline be deleted!
Consumer complaint received 2021-12-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CITIBANK, N.A. (WA)

I bought a brand new XXXX motorcycle from a XXXX dealership in XXXX, WA, in XXXX of XXXX. The dealership encouraged me to finance the vehicle through their financing company CitiBank. 

I told the dealership I wanted a " same as cash, no prepayment penalty '' financing, with zero interest because I pay off my loans very early. They agreed to carry the {$16000.00} loan until XX/XX/XXXX with no interest and no prepayment penalty. My XXXX XXXX CitiBank loan account number is ending in XXXX. 

I paid off the loan on XX/XX/XXXX more than 4 months early. 

I waited the customary 10 days to receive the title but nothing arrived. I waited another 2 weeks and nothing arrived. I contacted XXXX XXXX Citibank on XX/XX/XXXX and demanded they send the Title without further delay. I chatted online with " XXXX XXXXXXXX XXXX. '' He claimed they " did not have '' my mailing address -- despite financing my loan and receiving all personal information including mailing and residence address during the application process -- not to mention XXXX, XXXX and paycheck information, work and profession info, ... etc. So I gave them the address again that I know they had, or should have had, being the financing entity. 

On XX/XX/XXXX, I chatted with " XXXX XXXXXXXX XXXX '' who claimed the title was " sent back '' to the bank because they did not have my XXXX XXXX XXXX -- but she could not explain why it was sent back if it went to my residence? There is no reason for it to go back! I gave the bank the benefit of the doubt and I waited another 10 days they said it would take, and nothing arrived at my home or XXXX XXXX XXXX. 

On XX/XX/XXXX I got a note from CitiBank and they said I will have to call the toll free number XXXX because they can not resolve the release of the Title -- for no reasons stated. 

I am convinced that CitiBank is intentionally detaining my Title in retaliation for the early payment and because I did not default by failing to pay off the loan, so the bank can make interest payment ( profits ) off my account. There is absolutely no reason to withhold the Title, for what is now Forty-eight ( 48 ) days, if the balance has been paid in full. This is intentional and deliberate harassment, as well as retaliation against customers who pay off loans early, or on time. I am demanding they return the title to me.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (WA)

Last summer we received a registered letter from our mortgagor, Mr. Cooper, stating that we were in trouble with our mortgage and if we needed help paying our mortgage call the number on the letter. We immediately called Mr. Cooper asking what the letter was regarding as we had never made a late payment ( my husband and I are both seniors and widowed ) and I personally had perfect credit and no money issues, neither does my husband, XXXX XXXX. They told us our payment ( I believe for XX/XX/XXXX ), was short because our escrow account had a shortage. They said they sent an email to both of us but neither of us receivedthe email so we both went back and looked for this notification via email that our Homeowners with XXXX ( our XXXX insurance at the time ) had increased. The payment we made that month was more than the monthly amount as we pay extra toward our principal each month but still short by a small amount ( under XXXX dollars as I recall ). XXXX never sent notification of an increase for our XXXX either. We paid the shortage on the call with Mr. Cooper with our card the day we received the registered letter. After they reported our account delinquent and my credit score has decreased by XXXX points!!! I am XXXX and have never paid late, never had a delinquent account and pride myself on my credit worthiness. The mortgage I had on my home that I sold in XXXX was never late and paid ahead of the 30 year mortgage I carried on XXXX XXXX XXXX XXXX XXXXXXXX WA XXXX. 
I understand that new lack of regulations allows creditors to report someone " late '' for just one time event even though there was no proof provided that they sent us notification of an increase occurring. Since then I sent a letter to Mr. Cooper via their website complaining of this practice and how unfair it is. I have received no response.
Consumer complaint received 2021-05-06
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (MI)

I have been trying to get this loan paid off for weeks through XXXX XXXX and now loan was sold to BSI who has no record of this loan. I am refinancing and running out of time. I need this loan paid off and lien on title released.
Consumer complaint received 2019-08-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (KS)

My nephew found out last week he was being referred to XXXX XXXX on an emergency basis and was to be there on XXXX XXXX, 2019.  Our family immediately started collecting donations to help him and his mother with the expenses for his trip to XXXX XXXX as my sister is on XXXX  and he is going through the XXXX process they struggle financially day to day anyway. We collected XXXX  and put XXXX of it one XXXX XXXX XXXX Visa purchased from XXXX XXXX XXXX XXXX in XXXX KS. On Friday XXXX XXXX, my sister went to use the card and it declined, she then went back to the hospital and got on a computer to go to the website and look up the card account details, frustrated because she hadn’t used it yet, she then noticed there was a charge for XXXX to a company out of XXXX, Michigan- it was then she called me in a panic as well as try calling the number on the card for help. After going through a series of questions, she was then transferred to another phone number that answered as an addiction specialist, my sister then hung up. We have been researching and calling different numbers for assistance with no success.  I have reached out to the company where the purchase was made, XXXX XXXX  out of XXXX and have yet to hear back- my sister has only less than XXXX  to her name and will be with my nephew at XXXX XXXX   for some time while he undergoes multiple surgeries.  We are begging for assistance to resolve this issue!