davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XXXX XXXX, XXXX XXXX XXXX XXXX had put an inquiry on my credit report. I have no knowledge of this inquiry and would like for them to validate this account by providing a copy of my signed contract with them. If you can not provide this information I would appreciate if you remove it from my credit report from Transunion, XXXX and XXXX along with the inquiries too. According to the FTCA you have violated my rights and broken the law.
Consumer complaint received 2019-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC (CA)

I have a loan with XXXX XXXX  XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, and XXXX  XXXX XXXX with no successful resolution. XXXX, XXXX, and XXXX only reporting me 30 days late twice. There was definitely an error on their part. I was never two times 30 days late.
Consumer complaint received 2015-08-27
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Freedom Mortgage Company (TX)

Deceptive mortgage lending practices by Freedom Mortgage which included bait and switch, fradulent documentation, and predatory behaviour with goal in mind to obtain funds from consumer by pushing consumer to roll fradulent closing costs into loan that the consumer is not responsible for as per agreement. 

There is sufficient evidence that I have been completely misled through the refinance process and provided wrong and fradulent information ( i.e. Summary of Transaction ) by Freedom Mortgage that was misleading and deceptive. 

It was very clear from the offer I received from Freedom Mortgage which included many verbal communications and a Summary of Transaction that I can provide a copy of that Closing Costs were covered by lender. This was the agreement and mutual understanding throughout the process all the way up to being only a week or two out from actual closing at which time it was suddenly communicated to me via a random phone call ( not even in writing ) that the offer has changed and I as the consumer I would have to pay the closing costs now. All the detials, supporting documents, and dates can be provided. 

With all the respect, that is very deceptive and misleading business practice that is unfair to consumers and that is ultimately costing all of us participating in the mortgage business including the government a lot of money. I do not accept this and I ask you kindly to help with this case as I 'm sure there thousands of consumers that are falling vicitim to these kinds of predatory lending practices. 

In the supporting documents you can clearly see that the closing costs are covered by the lender.
Consumer complaint received 2018-10-03
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bronstein & Weiss Arbitration (TX)

XX/XX/2018 -Bronstein & Weiss contacted friend -Company said they were a law. They said they've been trying to get in touch with me about a pending lawsuit in XXXX County that's being filed by Friday. They left a phone number, case file number, and extension. 

XX/XX/2018 -I called Bronstein & Weiss -They claimed I owed {$680.00} and would accept debit card payment. They sent over a single page contract. 

XX/XX/2018 XXXX XXXX -Bronstein & Weiss contacted mother -Company left a voicemail claiming to be a law firm stating that I owed {$680.00} and was going to recieve a {$38.00} fine if I didn't pay by XXXX XXXX that day. 

XX/XX/2018 -I contacted Bronstein & Weiss -I  requested that they stop contacting others about my debt. They said they would talk with their head attorney. They gave me their address of XXXX XXXX XXXX once asked. They attempted to send a single page contract again that I never signed.
Consumer complaint received 2019-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

USAA has been incorrectly reporting the balance of a prior loan on my credit report. They have been reporting the incorrect amount owed. Plenty of notices have been sent to them to dispute this issue and they have still not corrected this. Reporting false information, which in this case is misrepresenting the amount owed on a loan, s a violation of FDCPA. Also, they translated that misinformation to a 1099-C. I have contacted them via phone several times but was placed on extended hold times and unable to reach a representative about correcting that issue.
Consumer complaint received 2017-07-19
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. (IA)

All Principle and Interest payments are {$940.00}. They reported the following $ ND XX/XX/XXXX {$1500.00} XX/XX/XXXX{$990.00} XX/XX/XXXX {$1100.00} XX/XX/XXXX Not reported XX/XX/XXXX Not reported XX/XX/XXXX {$1500.00} XX/XX/XXXX {$5300.00} XX/XX/XXXX Not reported XX/XX/XXXX Not reported XX/XX/XXXX Not reported XX/XX/XXXX Not reported XX/XX/XXXX Not reported XX/XX/XXXX {$2800.00} XX/XX/XXXX {$1200.00} XX/XX/XXXXNot reported XX/XX/XXXX {$1200.00} XX/XX/XXXX Check Cleared XX/XX/XXXX for XXXX, reported late XX/XX/XXXX forXX/XX/XXXX, reported late XX/XX/XXXXfor XXXX, not reported XX/XX/XXXX for XXXX, not reported XX/XX/XXXX for XXXX, not reported XX/XX/XXXX for XXXX, not reported XX/XX/XXXX for XXXX, not reported XX/XX/XXXX for XXXX, not reported XX/XX/XXXX for XXXX, not reported XX/XX/XXXX, for XXXX reported late XX/XX/XXXX for XXXX reported late XX/XX/XXXX for XXXX reported late XX/XX/XXXX for XXXX reported late XX/XX/XXXX for XXXX, reported late XX/XX/XXXX for XXXX not reported It is obvious the record is totally incorrect. I have submitted paper copies of checks with amortization schedules and uploaded an XXXX spread sheet. They deny even though I 've provided evidence from the bank.
Consumer complaint received 2015-05-12
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Neon Newco Corporation (FL)

On XX/XX/2014, I paid a bill over the phone for my daughter. The card company XXXX card issued by XXXX bank deducted funds from my account immediately. Apparently three days later when the gas company attempted to complete the trsnsaction nd collect the funds, it had been resended by the card company. I was told that it took too many days. My daughter had to pay by other means along with a late charge in XXXX. Since then I disputed the charge, provided proof it was payed another way nd the card company is still refusing to refund my funds.
Consumer complaint received 2019-02-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc (TX)

XXXX XXXXXXXX XXXX XXXX  incorrectly sent my {$240.00} account balance for collection to XXXX. After contacting XXXX XXXXXXXX XXXX XXXX they agreed that the account was incorrectly sent to XXXX and XXXX out my balance ; and also informed XXXX of the same. XXXX XXXX XXXX XXXX  who was the original creditor has agreed to REMOVE and DELETE the collection account. I paid XXXX XXXXXXXX XXXX  directly and at no point have I made any payments to XXXX. XXXX has XXXX out my account but has not removed or deleted from my credit report it causing damages to my credit. Each time I call XXXX   customer service, I get completely differing answers from each representative causing me to go around in circles. I am unaware of the validity of this account.
Consumer complaint received 2016-09-19
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: AMERICAN EXPRESS COMPANY (GA)

I purchased gas in the amount of XXXX on my American Express Serve card. They put an additional hold of XXXX to verify my balance. I felt that this was an extreme amount of money. When I called to complain, they first told me that it would be 8 days before the money would be returned to my card. When I asked for a supervisor, that person told me that they would need to transfer me to Technical support to see about getting the hold removed. I was on hold for 1 hour and 41 minutes, and then the call dropped. I have since tried to call back and had no luck. This has caused my account to be in the negative by XXXX. They have taken all of my money for the week and I will not be paid again until XX/XX/XXXX. I have a screenshot of the on hold time with this company. They have offered me no type of resolution to my issue. I even verified that they had my number on file in case we were disconnected, which they assured me they did, and I have yet to receive a call back from them. I have used the card for gas plenty of times, and never had a hold like that. I purchased from the same XXXX a week ago and no hold was placed. This is just them keeping extra of my money for a week and it 's unjust and unfair.
Consumer complaint received 2017-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have 2 Capital One credit cards. I had 3 at one point, that were all used and paid on time. Earlier this year my card were restricted. I contacted Capital one numerous times only to be told that there was an investigation ongoing. After 2 months they eventually told me that the card was approved in error and it must be closed, but that I could keep the other 2 cards. Since that time I have continued to use those cards and pay on time and even received a credit limit increase. Today XX/XX/17 one of those cards was again restricted. I contacted Capital One again and after 2 hours was told my card was under investigation and that it may be closed but that I would have to wait days for an investigator to contact me.
Consumer complaint received 2015-09-15
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (DE)

Macy 's withdrew $ XXXX from my Bank account without authorization. While they refunded the money, I want them to refund associated interest for as many days to all impacted cardmembers. 
Also, they debited my credit card on XXXX for {$430.00} ... WHY? First you take a payment on XXXX on a zero balance and then DEBIT my card on XXXX again!! Why should I pay criminals like XXXX and Macy 's for what did not need any payment??? Refund me all such debited amounts back to the card as well as credit my Bank back on any unauthorized, criminal withdrawals. 
Macys and Citi also changed the credit card site SO MUCH that I can not even download my statement or even see my account details properly, they also undid all my autopay so that they could have me go late!!! I had called the customer reps who also could n't be too much help. Shameful, ignorant and simply criminal!
Consumer complaint received 2017-02-28
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: MOHELA (OK)

I had a private student loan through Mohela back in XXXX-XXXX. In XXXX I reached out to Mohela to discuss payment options. I was having my first daughter and had to put her in daycare so my wife and I could work. I needed to lower my student loan payment to pay for daycare for my daughter. I could not get MOhela to budge. There was no offer of assistance programs, or any discussing on the issue. They needed xx amount of money a month and that was it. I had to default on my loan because I had no other option with my student loan company and they were not willing to help me. I was willing to pay, I just needed to pay a lower amount. Fast forward to XXXX. This loan was taken through the court system and my checks are being garnished every paycheck because of a loan that I tried to pay but could not afford to pay and could not receive any help from the lender. Years later, when they reached out to me when the loan went into final default I still could not get them to budge or provide any payment assistance. This garnishment has affected my family greatly. This loan has affected my family greatly.
Consumer complaint received 2016-05-31
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affiliated Management Services (MO)

I contacted the collection agency in regards to my credit report over 30-days ago. I told them this account should be included in my bankruptcy. However they have not updated the information accurately. The are still reporting the account as OPEN which is should not be reporting as an OPEN COLLECTION ACCOUNT. This information is not accurate AT ALL.
Consumer complaint received 2015-05-21
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Kross, Lieberman & Stone, Inc. (NC)

Debt was paid by XXXX XXXX ( primary ) and XXXX ( XXXX ) when billed. Then payment was retracted because I went on XXXX during this period and advised the doctors office of the change, but they failed to make changes in their records that my primary insurance switched to XXXX and XXXX was XXXX. The doctors office submitted the claims after XXXX year of the dated service and the insurance companies refused payment. This was the doctors office fault, not mine. they sold the account to KLS collection agency. 
When I informed Kross, Liebrman and Stone that I refuse to pay a debt that was over three years old according to NC general statute about debts not collectable they viciously set out to ruin my credit and cause me great financial greef because they new I was right and this was there way getting even with me.
Consumer complaint received 2017-02-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Both XXXX and XXXX have several inaccuracies in their reports -- they are either still showing accounts that have been fully paid off or accounts that have considerably lower balances that what is reflected in their reports. The accounts that I am disputing are : Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-09-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION (WV)

I have a mortgage loan with Fifth Third Bank. I have had this loan for several years. Initially inhad XXXX properties and XXXX loans with Fifth Third Bank but due to their sloppy recordkeeping, I had a four year battle with them over escrow payments for each of the XXXX accounts which they misappled or put into the wrong account. They never once took the time to straighten out the accounting of these accounts. The statements they sent were difficult to read and understand. After additional negotiation and what was an attempt to resolve the issue, they sent me XXXX " revised '' loan agreements. XXXX they left on original terms ( XXXX XXXX property ) and the other ( XXXX XXXX property ) they attached an additional {$15000.00} to the debt without any accounting verification or an appraisal of the property. They then renigged on their agreement of the XXXX property and said I would have to reapply for a new loan. When I objected they took the property through foreclosure. They stated that I owed over {$8000.00} on the loan when the actual amount was substantially less than that. 
The XXXX XXXX property agreement payments, due to the increase in debt of {$15000.00}, went forward. In the XX/XX/2014 they threatened foreclosure again stating that exaggerated payments were due on the account. It took weeks to try to work it out with the final result being that their original claim of unpaid funds was NOT correct. They never gave a comlete accounting of why there were differences in the payments shown and due. They also charged me attorney fees for the foreclosure even though therecwas issues with their accounting. 
Now once again they have not correctly accounted for payments. However, they threaten to foreclose on the property even though there isca dispute as to what is owed. This bank does not provide very good records andvit takes time to descipher what they have or have not posted. I have to go back to the various banks and see if all the checks were cashed, etc. They give me two weeks to try to verify all psyments and in this case I know they have not correctly posted all payments. However they are determined to take this property just as they did previously with the XXXX property without correct or complete accounting of the payments. I could not attach all documents but will be sending them by separate mail. Sorry but there are too mant documents to send forward. My current account number XXXX XXXX. 
Unfortunately I dont have a specific bank contact at Fifth Third Bank, XXXX. XXXX XXXX, XXXX, OH. XXXX. The attorney handling the account for the bank on each of these occasions is XXXX, XXXX, XXXX & XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, WV. XXXX, ( XXXX ) XXXX. 
All I am trying to do is correct their accounting. I do not thinkmitvis fair that they can constantly threaten to forclose when their accounting is INCORRECT!!!!! Your assistance would be greatly appreciated.
Consumer complaint received 2016-09-27
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: AMERICAN EXPRESS COMPANY (VA)

American Express has called my sister and disclosed that I am behind on my debt. I 've already submitted a complaint for that. They 've also called my former roommate twice, XXXX XXXX. The first time he asked that they do not call him. They 've called twice so far. I am in a debt settlement program with XXXX. They told me they can only call once, and that it is illegal to call more than once.
Consumer complaint received 2015-09-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BMO Bank, N.A. (IL)

I am seeking your help because my mortgage company is refusing to help me avoid foreclosure, it is now over 9 months since I was laid off and bmo Harris bank told me that they were going to help me modify my loan. 

Now after several months under review working XXXX, they just told me that they are not going to help me avoid foreclosure because it is not on the best interest of the investor to help me or my familyPlease help!!!!!!! 


XXXX XXXX
Consumer complaint received 2015-05-19
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: ENOVA INTERNATIONAL, INC. (DC)

I was sent emails about a debt that they claim I owed to XXXX.com. I responded back that I am willing to clear this debt if I can make installment payments. They said if I could make a payment ASAP they would settle for XXXX of what is owe. The issue I had was that I asked for official documentation stating the original amount of the loan and how much is owed. They could n't give me the information until after the amount settled for is paid. And another thing they wanted me to send money my XXXX to an " employee '' instead of to the company,
Consumer complaint received 2023-04-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings (SD)

I am disputing the validity of the past due debt imposed by XXXX at XXXX XXXX on my credit report. Despite a settlement agreement, the debt is invalid as myself and the other tenant left fully paid up and without any wrongdoing. We possess evidence to support our claim, the condition of the unit upon exit, and we were not formally contacted as required by law. 

Furthermore, XXXX at XXXX XXXX has engaged in retaliatory actions against me, including harassment and intimidation tactics. These tactics from them are in response to a documented incident involving a partner of XXXX which brandished a firearm and put myself and my families life in imminent danger. This behavior is unacceptable and must cease immediately. 

We demand that XXXX at XXXX XXXX remove the past due debt from my credit report and return our security deposit as required by law and as per terms of our settlement agreement. A fair resolution to this matter is expected.
Consumer complaint received 2017-07-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (NC)

As the client 's XXXX XXXX I have been trying to obtain the Promissory Note for the client since XX/XX/XXXX in order to apply for Hardest Hit Funds in NC. The client has called several times, as the XXXX XXXX XXXX I submitted a new Third Party Authorization on XX/XX/XXXX according to their requested specific  guidelines that the agency name and phone number had to be on the same page as the clients signature. When I called back today XX/XX/XXXX Citi Mortgage then informs me that the client has to be present for them to provide me with the document. At no other time have they relayed this information to me. Then when I told the agent that the client has also called several times and requested the Promissory Note but it has never been received there was not answer for this.
Consumer complaint received 2019-02-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: STATE FARM BANK, FSB (MN)

in XX/XX/XXXX we refinanced our morgage from the 22years we would have had left of a 30 year morgage to a 15 year morgage and we went from 8.5 % interest to 5.5 % interest. the payoff or maturity date was XX/XX/XXXX to be paid off. this morgage is through state farm bank. XXXX XXXX  XXXX XXXX   , nj,XXXX  there phone number isXXXX XXXX XXXX XXXX. In XX/XX/XXXX we filled out an application for a loan modification but when we got the papers we decided we didnt want to mess with our morgage so we never sign them or had them notorized. I still have all the paper work they sent us not signed. but state farm went ahead and did something that added 2 years to the end of our loan. now there saying the maturity date is XX/XX/XXXX, so the added 2 years to the turm of my loan which is going to cost us almost {$30000.00} dollars. we never got any money from them for nothing. in XX/XX/XXXX we got a 2nd morgage through XXXX XXXX for XXXX to do stuff to house. i keep writing and calling and faxing with state farm and they never give me what im asking for. like i wanted our payment history going back too XX/XX/XXXX and they send me it from XX/XX/XXXX. XX/XX/XXXX they sent me a letter saying there not fixing it. a statefarm bank lady told me to go to my county taxes and get a copy of deed and if its not on there it didnt happen.well i have the deed paperwork and theres no loan mod in XX/XX/XXXX on it anywhere. please help me with this or guide me to someone that can help us.