davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (ME)

I am writing about Discover Card. I had automatic payments set up to pay the full statement balance. My XXXX statement balance of {$1100.00} was scheduled to be withdrawn from my bank account on XX/XX/XXXX. On XX/XX/XXXX, I logged into my Discover Card account and paid the full balance that was showing on my account at that time of {$2000.00}, paying my statement balance in full. On XX/XX/XXXX, the {$2000.00} was withdrawn from my bank account. In addition, Discover Card withdrew an additional {$500.00} from my account on the same day. I had not set up my account to withdraw {$500.00}. On XX/XX/XXXX, I called customer service and asked why they withdrew more than what I owed them. I was told by the customer service rep that charges of {$230.00} had cleared the account since I made the payment, and that triggered an " automatic payment '' of {$500.00}, leaving my account overpaid by {$260.00}. I was told they can not take out the exact amount due, they can only take out {$500.00}. I had not set up my account to pay {$500.00} -- especially when it was not due. But somehow my " automatic payment '' set up had been switched from " pay statement balance '' to " pay {$500.00}. '' It took this bank no time at all to take funds out of my account, but they told me it would take 7-10 days to refund the {$260.00} they owed me. How is this fair? When I asked them to refund what they owed me and close my account, they did not. Instead they issued a refund check for {$500.00}, and left the balance of {$230.00} owed on the credit card and kept the account open.
Consumer complaint received 2022-08-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CREDIT ACCEPTANCE CORPORATION (FL)

XXXX XXXX XXXX XXXX mislead me to believe that I needed to help out XXXX XXXX, a friend that worked there, to secure a better rate on an auto. I went to the dealership and signed paperwork but was never shown the loan rate, mileage, cost of the add ons and the total price that I was financing. I trusted my friend and her boss XXXX XXXX. After signing paperwork on XX/XX/XXXX, I was not given copies. I called the dealership on Monday, XX/XX/XXXX to cancel the deal and they said they would try but I would lose my {$2000.00} down payment. On Wednesday, I went by dealership to check on progress and they wanted another {$750.00} to cancel the deal. At that time, I asked for copies of the paperwork and was given page 1 of the Retail Installment Contract. I have still not been given pages 2-5. I was also given the Bill of Sale. I also noticed that paperwork was dated XX/XX/XXXX and I signed XX/XX/XXXX. XXXX showed rate of 27.72 % with my XXXX credit score. The whole reason I went down there was to secure a better rate for my friend. Today, I will call the finance company Credit Acceptance and see if they will decline the loan because of the deceit and trickery used. I did not take possession of car and the dealership does not have trade in. Credit Acceptance said loan had not been processed. I asked rep to block loan but she was unable. I was going to pursue through usuary channels but found out the retail installment loan does not have same caps as usury laws in Florida. XXXX XXXX XXXX XXXX also told me they were purchasing car on Saturday evening through an auction site so it would have been impossible to know how much car was going to cost to input the figures into the contract. Basically after down payment and trade in the car should have been {$2500.00} but then the {$6400.00} of gap insurance and warranty increased sales price of car to {$8900.00} on bill of sale. The car was not {$8900.00}. The car was only {$5700.00}. So I am getting charged interest on all of the warranty and gap protection.
Consumer complaint received 2020-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My Name is XXXX XXXX XXXX living in XXXX XXXX XXXX XXXX, XXXX XXXX, CA. XXXX, my phone number is:XXXX. Today XX/XX/2020 Mr. XXXX XXXX did hack to my Bank Of America checking account to withdrawn amount of {$880000.00} USD. My bank customer fraud department called me on that time to confirm that Mr. XXXX XXXX try to get money out on chechecking account. She did question that to me and I did said I did not allow he to withdraw any money from my checking. I do not have much money on that checking. She did recommend me to close this account and open another account. This is Mr. XXXX XXXX information below : *- Driver License number : XXXX State of Florida , issued :XXXX expireres :XXXX. Address:XXXX  XXXX XXXX, XXXX , FL . XXXX. Tel : ( XXXX ) XXXX.US Passport number:XXXX. 
Please to help me to stop him did hacked to my account and another peoples. 
Thank you very much. Please let me know or have any question regarding above that.
Consumer complaint received 2018-07-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: William Lyon Mortgage LLC (CA)

Weve been in escrow with a new builder since about XXXX and are set to close next Friday and new builder is pulling out all the stops and putting ethics aside in order to steal this deal from under us. See below and attachment for events that occurred. What can we do on this one. 

This possible RESPA violation occurred with XXXX XXXX ( sales associate ) and XXXX XXXX ( lender ) at the William Lyons XXXX location. 

The background context is that XXXX did not have the knowledge to structure and approve this buyer for the purchase. We were using an outside broker and specialty program in order to do this loan. XXXX called me pretending he actually worked for the sales office and his company did not have confidence we could close the loan and I needed to explain to him the program and how we structured. After about a minute I realized this guy was a scam and actually the lender looking to copy our program/structure, but he had already obtained the information he needed to go back to the buyer and offer the same program. Frustrating, but I understand not everyone in this business operates with ethics. 

The attachment shows how XXXX was violating RESPA in an attempt to force the buyer to close with William Lyon mortgage even after he let her know we were his lender of choice. It wasnt until after I mentioned XXXX and CFPB that she changed her tone and was willing to cooperate with the items we needed from her to do our job. 

Builder has now delayed items we needed for 3 days after multiple requests she has ignored. Due to this, she is now threatening buyer with 1 % penalty ( {$6300.00} ) but said if he uses her mortgage company she will waive penalty. She wasted time and cornered him into using her lender. COE date is XX/XX/27 and borrower is too scared to proceed with us because he doesn't want to pay this penalty.
Consumer complaint received 2020-12-08
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: Experian Information Solutions Inc. (CA)

Experian has been ignoring my calls for a investigations into fraudulent accounts. 
Each tome i call they hang up and or tell me they cant find the documents i have submitted. 

Each time i file a CFPB complaint they reply with " this is not you ''
Consumer complaint received 2019-05-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Colony Brands, Inc. (PA)

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX , WI XXXX ( XXXX ) XXXX XX/XX/XXXX Date Opened XX/XX/XXXX Date Closed Individual Account Revolving Account CHARGE ACCOUNT Balance : {$170.00} Company named above claims I have a unpaid balance charge off. 

Company above appear on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I owe them {$170.00} dollars in XX/XX/XXXX. 
This company has failed to show, what item or service I owe them for. How or what item or service was purchased and not paid for. Who purchased the item or service under what name, address, telephone number, social security number, how was the item or service purchased via credit or debit card, cash, money order etc. or any other form of payment. 
I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks beyond the statue of limitation ; 2. above company has reported and has continued to report such derogatory remarks without a license to collect or operate in my current home state, my current address ; 3. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items ; 4. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owed to another company or business/provider, without my consent ; 5. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owe as third party debt collection and is not the original company, buisness, provider of such item, service or product ; 6. above company has reported and has continued to report such derogatory remarks without notifying me at my address or by phone to make me aware of such debt. Thus failed to do so. 

It is respectfully submitted based on the above, that the above named company remove any and all derogatory remarks, comments, statements, reports, submissions to any reporting bureau or agency/company, and the credit reporting bureaus : XXXX ; XXXX and XXXX.
Consumer complaint received 2020-06-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

On or about XX/XX/XXXX, I filed two disputes with Equifax. Equifax failed to record one of them, despite a full length letter I had uploaded. In the meantime, my formerly excellent credit has been completely destroyed. All of this is in regards to fraudulent use of my SSN to open a credit card account, which should have been resolved by the furnisher six months ago.
Consumer complaint received 2020-07-16
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

To whom it may concern XX/XX/2020 I got hit with a hard inquiry from capital one. I did not apply for any card with them. This was never authorized by me. I didn't sign anything or sign up for anything. Just looking for this to be removed since it is inaccurate or fraud by someone trying to be me. I came here right away as soon as I was aware of situation. Thank you
Consumer complaint received 2020-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: NAVY FEDERAL CREDIT UNION (VA)

A debt validation letter was sent to NAVY FEDERAL CREDIT UNION with regard to a credit card debt in the amount of XXXX on XX/XX/2020 asking for documentation to validate the debt. What was sent to me was just a statement not a invoice of actual accounting, along with a statement stating that after there investigation that the debt was shown valid and that i needed to talk to the credit agencies about this matter. upon looking at my credit report it was observed a statement on this account that states " Account closed by credit grantor, account previously in dispute, now resolved by data furnisher ''. an investigation was not requested only the correct documentation with regard to this debt to prove that there is an actual contract and if full disclosure was granted to me upon signing of any credit agreement.
Consumer complaint received 2020-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX | XXXX never authorized these inquiries. 

XXXX XXXX XXXX XXXX XXXX | XXXX never authorized these inquiries. 

XXXX XXXX XXXX XXXX never authorized these inquiries. 

XXXX XXXX | XXXX never authorized these inquiries. 

XXXX XXXXXXXX XXXX  | XXXX never authorized these inquiries. 

XXXX XXXX | XXXX never authorized these inquiries. 

XXXX XXXX XXXX XXXX | XXXX never authorized these inquiries. 

XXXX XXXX XXXX XXXX XXXX never authorized these inquiries. 

XXXX | XX/XX/XXXX I never authorized these inquiries. 

XXXX | XX/XX/XXXX I never authorized these inquiries. 

XXXX XXXX XXXX XX/XX/XXXX I never authorized these inquiries. 

XXXX | XX/XX/XXXX I never authorized these inquiries. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon.
Consumer complaint received 2020-10-25
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: Experian Information Solutions Inc. (OH)

T

his is my third attempt and the accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you f ail to comply. I am a litigious consumer and fully intend on pursuing
litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : US DEPT OF EDUCATION 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 2019-05-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (IL)

I have requested the details for the mortgage amount we owe. Bayview Financial sent me a computer generated mortgage payoff letter. Bayview did not provide the detail I requested but sent me a canned letter which is inaccurate. Bayview did not provide the detail for the ( Escrow / Impound Account. ) There is no way of knowing what makes up this amount. In addition Bayview does not provide the detail for the ( Escrow Shortage Account ) in the payoff letter. The only amounts in escrow for our mortgage should be my property insurance and property taxes. Bayview will not provide any detail so I can not determine if their amounts and calculation for these accounts are accurate. 

Bayview has not verified these amounts and the amount of payoff in their letter is incorrect. After reviewing my property tax records the records show that Bayview has made a serious error and double paid the property taxes which has contributed to the incorrect amounts in the ( Escrow / Impound and Escrow Shortage Accounts ). Bayview has raised my monthly payment substantially with no explanation based on this false and incorrect information resulting from their mistake. It is likely this was also the case with XXXX XXXX which preceded Bayview as the loan servicer of our mortgage.. 

I feel strongly that Bayview is ignoring us and treating us unfairly because we are seniors and a minority.
Consumer complaint received 2020-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Birchwood Credit Services, Inc. (ME)

Birchwood company had ran my credit to where there is a hard inquiry on my credit report & I did not give permission to them or the company XXXX saving that goes through Birchwood to run my credit I have sent letters to them & have contacted both places & I am getting no place this happened back in XX/XX/2020 & I have been fighting to have it removed from my credit reports since then. This is my credit reports that is been being messed with & I want that inquiry removed ASAP thank you very much.
Consumer complaint received 2019-05-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (AR)

I understand the XX/XX/XXXX payment for XXXX was returned, because it was not a payment, On XX/XX/XXXX i talked to a rep at CHASE bank he keep asking do you want me to run this payment i said no, this payment is posted for next month not today he could not get it in his head so i talked to case manager her name is Miss XXXX and she said it was canceled but it wasn't. but i did make a payment in XX/XX/XXXX. so the payment for XX/XX/XXXX that was removed should have never been removed because i made a payment in XX/XX/XXXX if i could download my payment history i show it was made. At one point XXXX XXXX said i owed for XX/XX/2018 after several bank statements i think she got it. Every payment was made but XX/XX/XXXX and XX/XX/XXXX, each payment falls behind one so i was behind XX/XX/XXXX and XX/XX/2018 yes they was a return of XXXX in XX/XX/2018. i understand that, this is my payment break down and i can furnish more documents and bank statements and CHASE can go to phone conversation onXX/XX/XXXX and see i canceled that payment for the following month because the rep could not get it right. in XX/XX/2018 i made two payments XXXX and XXXX that went to XX/XX/XXXX  payment, then XX/XX/XXXX payment got returned to me because of change in banking information. then i made a payment in XX/XX/XXXX that went XX/XX/XXXX then i made payment in XX/XX/XXXX that went to XX/XX/XXXX, then i made a two payments in XX/XX/XXXXl that went to XX/XX/XXXX and XX/XX/XXXX, then in XX/XX/XXXX i made payment that went to XX/XX/XXXX with money in suspense to cover parcel payment in XX/XX/XXXX i talked to rep on XX/XX/XXXX at CHASE bank he said i owed as to date XXXX but i had some more in suspense that has not been added. i don't see the problem, the problem i can see the payment being removed from XX/XX/2018 over a mistake a rep from Chase made not me, but a payment was made in XX/XX/XXXX and should be replaced for XX/XX/XXXX,, Chase can talk to Miss XXXX case worker and listen to phone recording and the one in XX/XX/XXXX i don't understand the reason this is not being correctly made to my account, the month i owe for is parcel payment is XX/XX/XXXX i like FHA to look my account over
Consumer complaint received 2021-09-21
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: EQUIFAX, INC. (FL)

on XX/XX/XXXX a charge-off & closed account has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is XXXX XXXX XXXX FOR {$14000.00}. to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX XXXX opened XX/XX/XXXX for {$14000.00} XXXXBY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt. XXXX XXXX XXXX HAS NOT VERIFIED THIS DEBT WITH MY SIGNATURE OR ANY INFORMATION VERIFYING THIS DEBT BELONGS TO ME.
Consumer complaint received 2019-05-30
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Late payment reported ( {$16.00} ) to my credit report that caused my credit score to decrease greatly. I made the payment and just want the late payment taken off my report. As my credit report shows it has 100 % payment history prior to this late payment. I hope CAPTITAL ONE can over look this one time mistake and erase the late payment. 

Credit card company : capital one Credit card : capital one savor rewards card Payment made : XX/XX/19
Consumer complaint received 2021-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN HONDA FINANCE CORP (MA)

This company XXXX ... they send a balance to collection which it was paid off and they resist of taking this information of my credit report which they are still reporting to all 3 bureaus that the account its charge off as well as bad credit. which this account was paid off by me. XXXX Original creditor : - Balance updated XX/XX/XXXX Account Info Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney they are reporting and i have complaint to them. and they said they will not stop reporting for 7 years beacuse they are a major corporation and i can do nothing about.