davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-22
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have been trying to do a loan modification with Bank of America since XXXX 2014, I have submitted every document they have ever asked for. I even called the lady who was helping my case numerous times and emailed her and she never got back to me. We are a military family and we had to XXXX ( move ) to XXXX XXXX XXXX, we live XXXX and pay XXXX a month for housing and are house in XXXX was n't rented for some time and I was having health issues so I was unable to work and was going through the XXXX process. We fell behind in payments because we have XXXX kids that needed food and clothes and other items. So recently I got a third party involved in helping us with the house to do a Deed of Lieu, he has been having a hard time trying to get help with this. They told him that I did not send in any documents so I gave him all the paperwork and the letters that bank of America sent saying thanks for the documents we are reviewing them and will let you know the decision once the review is done. As the months went by and I never heard anything from Bank of America after I tried calling numerous times, and there were a few times I was on the phone for over 2 hours being transferred from one department to another and no one could help me. The agent that I have helping out with this now was told that a short sale was not necessary because of our hardship but when I called today they said the account was on hold for a short sale and they wo n't do anything with the Deed of Lieu until the short sale is done. So they are giving out incorrect information and not giving the agent or us any help what so ever. I have copies of every document and letter I have received from bank of America and even online XXXX has documents and letters from bank of America proving I submitted documents to them. With my health problems and my husband who has been in the XXXX for over 20 years has some serious health issues also we need this process to go quickly, we ca n't afford to keep the house and would lijke for Bank of America to at least help us out.
Consumer complaint received 2020-09-10
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings (TX)

Sent a communication to the AD ASTRA RECOVERY SERVICES company who purchased a debt that was paid in full to SPEEDY CASH ( the original creditor ). The company keep sending presentments and i'm not interested in contracting with that company. There was never a contract with this company they are harassing me like owe them.
Consumer complaint received 2015-08-09
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

RE : case # XXXXSo, in response to my complaint I get a scoulding from Capital One? Why and what do these groups think thier allowed to do? XXXX of all I am an adult. Next, I do not need to be incriminated as being irresponsible just because I am a female. Finally, my life and my finances are not for public viewing. Should we have each person who works for Capital One and other such credit lines place thier own finiances in public. Better yet, should any of these creditors place any part of thier personal doing into public eye including thier XXXX and phone conversations. Now does Capital One think they should have special privileges on anyone 's spending. Are they the federal reserve of which expenses and taxes flow? NoSo please view the Capital One response and tell me how I should grasp misconduct of the credit card companies bullying and bad medicine. Out with them. I am so upset and feel XXXX by this letter of suggestion that is not this Capital One or any other high interest rate XXXX is happening.
Consumer complaint received 2015-11-02
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One has been reporting a Charge Off current even though it was charge off since XX/XX/XXXX. I been trying since XX/XX/XXXX to have this debt validated in XX/XX/XXXX they send me a verification letter saying they no longer owe this debt that it was transfer to XXXX XXXX. 
It stated the account was sold and that their records indicate any balance that may be due was transferred in the sale. I never recall any such credit collection company being on my credit report. I currently initiated a dispute again with all 3 credit bureau Capital One is still showing this charge off from XX/XX/XXXX with a balance of {$2500.00} and a high balance of {$2400.00}. I got the result back and Capital One and collection agency verifies that they believe the account is being reported accurately. But what Capital One is doing to the credit reporting agencies a more recent status date, thereby extending the negative reporting of the charged-off account. This illegal practice will hurt your credit score. 

" Re-Aging '' a delinquent account is a serious violation of the FCRA. Once the original creditor reports the FCRA Compliance Date to the credit reporting agencies, it is set in stone. This date can not be changed or updated under any circumstance.
Consumer complaint received 2016-05-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CL Holdings LLC (TX)

Jefferson capital LLC changed the open date on this account. I canceled XXXX XX/XX/XXXX that was my last payment ever made. The clock for the 7 year rule should have started counting then. The Jefferson captial changed the date to XX/XX/XXXX on my credit report. They have failed to work with me to change the date. I agreed to pay the {$220.00} if they take it off my credit report cause it has been over 7 years. This debt will be on my credit report for over 12 years I feel that is not fair at all. Is it illegal for a collection to change an open date on an account from XX/XX/XXXX which the last payment was made? Thanks for your help.
Consumer complaint received 2015-12-03
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

I received a credit card statement from Kohl 's with XXXX transactions charged to the account totaling XXXX which I did not recognize. I called Kohl 's and it was discovered that these were fraudulent charges. I asked Kohl 's to remove the charges and close the account. I also followed up with a letter. To date, I have not received a response from Kohl 's and when i called again was told the matter was still being investigated.
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting Act this creditor : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy ( 15 USC 1681 section 604A section 2 ).

It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2017-02-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I applied for a loan modification with Bank of America in XXXX XXXX. My modification was approved by Bank of America XXXX XXXX, XXXX. The modification required that I make 3 payments at a different amounts from the payment amount prior to the modification. The payments were to be at the modification amount XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. I made the first loan modification payment on XXXX XXXX, XXXX with the memo saying XXXX modification XXXX. I received a call today XXXX/XXXX/XXXX from XXXX XXXX from Bank of America asking me if I made the payment and I told her yes. I made the payment on XXXX XXXX. XXXX XXXX told me that because I made the payment early it may not count toward my modification. XXXX XXXX my loan manager asked me in XXXX if I wanted to pay my first pay early to get started.
Consumer complaint received 2016-06-01
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (GA)

My stepson used my ss # to obtain XXXX different loans. He lives in XXXX, I 'm in XXXX. He originally asked me if I would Co-sign for a {$1400.00} Loan and had my ss #. Then I found out it was for a {$4000.00} loan. He asked me again for my ss # for a second loan and I refused. He used it anyway and now is not repaying. This happened around 7 years ago. I filled out a fraud report and filed a police report and told the loan person I would follow through. They investigated and refused to take me off the loan. I never signed anything. I think he did this loan over the internet, but not sure. The loan company has never sent me anything with my signature. I had very good credit, not it 's ruined because of this irresponisble sneaky XXXX year old who lies constantly. He has blocked me and his father so I ca n't communicate with him.My husband does n't work ( XXXX ) and I only make {$36000.00} per year. My husband has XXXX per month retirement. I ca n't make the loan payments and now my credit is ruined. Please help me. The loan company, when I spoke with him on the phone was rude and said it was my word against his.. Can I get this removed from my credit report? I believe the total bill is around {$11000.00} for both loans he took out. I have been dealing with this for so long and would n't turn him into the police as long as he paid. But he wo n't pay any longer so I had to turn him in. I do n't know what to do anymore. This is not right. Please help me. Thank you so much!!
Consumer complaint received 2015-10-04
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My first is XXXX, Last name : XXXX XXXX last XXXX digit of my social XXXX XXXX, XXXX XXXX am residing at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX.This address is commonly known as XXXX XXXX XXXX XXXX XXXX, NY XXXX address was wrongfully reported by capitalone as XXXX XXXX XXXX XXXX XXXX, NY XXXX which does n't match with what XXXX, XXXX , XXXX have on file.In order to fix the issues I spoke to capitalone supervisors, unfortunately they could n't help me to update my real address.I spoke to XXXX XXXX XXXX XXXX is capitalone supervisor.Currently there is fraud alert placed on my equifax, XXXX, XXXX credit report.I 've been victim of identity theft XXXX in less than six months.Capitalone customer service was helpless.I am US citizen, it should n't be some citizens with half rights.Best regards.
Consumer complaint received 2015-08-31
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

CapitalOne sent a credit card offer addressed to a person at my business that has never been associated with either my business or address. Not only have I been here XXXX years, I also knew the people that lived here before who lived here over XXXX years. When I called their Fraud Dept, it took well over an hour to get to someone who could finally get me an answer. They said they had gotten that name from public record. When I researched the local, state, and national public records, it became abundantly clear they had willfully and intentionally lied to me about it. I can only assume this was in an attempt to cover up their continued and unchecked proliferation of identity theft. A little harsh? Perhaps not as credit card companies are by far the primary reason identity theft has become such a huge problem worldwide that has destroyed XXXX and XXXX and XXXX of lives.
Consumer complaint received 2015-09-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MS)

I have disputed a judgement that appears on my credit report from the XXXX. I have contacted the court, and they told me that they do not have a judgement in their docket, and could not give me any pertinent information about this. They even told me that if someone was to come into the office and search the Judgement dockets, they would be unable to find information on this alleged case. After this, I disputed this with Equifax, and in only one day, Equifax closed the case ( the investigation started on XXXX/XXXX/2015 and ended the same day ) and they refused to change the information.
Consumer complaint received 2016-06-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (WA)

I submitted my normal mortgage payment to US Bank, and discovered that they are now charging a {$5.00} fee ( NOT a late fee ) if you pay online after the XXXX, but before the late date of the XXXX. I usually pay before the XXXX so never noticed it, but this was on the XXXX or so. I wrote and asked them why there was a fee. I received a message back that this started after XXXX possibly, was NOT a late fee, and would be charged to online payments if you do not pay on or before the XXXX of the month. This seems very strange to me and punitive. I always pay extra on my loan and am now donating {$5.00} of that to US Bank for no reason, which is unsettling.
Consumer complaint received 2016-10-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PLANET HOME LENDING, LLC (FL)

Planet Home Lending purchased my loan and send me a letter saying we do not have insurance but we do. I try to call the number they listed to give them the information and the number never works XXXX, I call their main customer service number and they can not get a hold of their insurance department either. They say they will call back but never do. I am entitled to equal servicing of my loan and I am not getting that service. They now sent a letter with force place fire on my home at a very high rate. Please help, no one at PlanetHome Lending can get me in touch with their insurance department and now I ha
Consumer complaint received 2015-03-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc. (GA)

XXXX XXXX turned me over to a collection agency to collect for an insurance policy that I never purchased. The policy that I asked for a quote was for a house that I never closed on. I am receiving collection mail and phone calls stating that I owe them {$230.00} for this policy. I never purchase the house or the policy., I had asked them for a quote. A company called Credit Collection Services. Phone # XXXX, person name is XXXX.
Consumer complaint received 2024-05-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Lendmark Financial Services (NC)

We financed a XXXX XXXX XXXX XXXX  with LendMark Financial. They hurried through the loan documents, claiming they were leaving early, or fixing to close.

They had us to review the documents by way of an XXXX which was hard to see.

And they rushed us through the signing process. They also put that XXXX income

is more than what she actually gets per month, I guess so they could get the loan to go through, They claimed we could refinance the loan with another company at a lower interest rate. Or that they could refinance at a lower rate. They knew that nobody would refinance this truck because it's
more than XXXX old. 
This is predatory lending at it's best, they send us a check for {$5000.00}, I had to pay {$1600.00} out of pocket because LendMark wouldn't loan more than {$5300.00} They also failed to tell us our first payment would be more for whatever reason. And they failed to tell us they would be charging a {$2.00} junk fee per month just to make a payment. Another issue the interest rate is 29.72 % but when I log into my account on the dashboard it states 29.29 %.? A while back they told us oh we can refinance your truck and get cash back, then they called and said
Corp said you must be a customer for at least XXXX before refinancing. 

Then they called back and said we can refinance without cash back, we said ok, then they called back and said no Corp said you must be a customer for at least XXXX. 

And the several months they didn't add any of my loan payment toward principle just to interest only
Consumer complaint received 2022-08-30
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

Back in XX/XX/2022 I received a bill which I called in to make payment ( At the point of call it was officially late ). I paid the bill over the phone in full and moved on. In XXXX I received a bill again stating I was late. I found that odd since I had paid in full over the phone. So I reached out to XXXX  on XX/XX/XXXX and spoke with XXXX a supervisor at XXXX I requested for me to completely pay off account, remove a late fee and close out the account. I specifically asked if there will be any additional fees the supervisor advised there would not be. I remember specifically asked numerous times and yet I again received a bill for {$4.00} I want this fee to be removed to close out my account officially and stop marking my credit report as late
Consumer complaint received 2020-10-18
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account.
Consumer complaint received 2020-09-10
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: DISCOVER BANK (CA)

I have unauthorized hard inquiries from XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, and Discover bank XX/XX/XXXX these inquires were not made by me and need to be removed
Consumer complaint received 2016-04-06
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: U.S. BANCORP (OH)

On XXXX XXXX, 2016 my wife and I received an auto loan for a private party purchase of a vehicle. The seller went to the branch with us to sign the paperwork. After 3 weeks of not receiving a copy of the lien title needed for registration I contacted the bank. They said the lien had not been released by the previous owner 's bank. They had not communicated to me that there were any problems. I asked them to contact the bank that had the seller 's lien but the said they could not. I contacted the seller, she had the lien released on XXXX/XXXX/16. She went back to her bank and obtained the title and a letter releasing the lien. I took it to my local US bank branch the following day on XXXX/XXXX/16. I was told they had to " send it to the loan department for processing, it will take 10 business days at the most. '' I asked them to please expedite the process and they agreed to " try. '' After not receiving the title, not being contacted I emailed US bank yesterday XXXX/XXXX/16 and they replied today stating " Good Morning XXXX, I called our Loan Department for a status on this. A notification was sent to the branch needing the seller to sign a one in the same affidavit since she had a name change and the names are not recognized by the county. Once this is complete, it will be sent to the county after 10 business days. I apologize for any inconvenience. '' They should have recognized this when we bought the vehicle and more importantly they should have communicated the problems prior to today. My local branch has not contacted us or the seller either. Now we have to wait a minimum of another 10 business days before we can register the vehicle. We have already made our first payment on the loan but do not have the vehicle legally in our name.
Consumer complaint received 2015-06-11
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My Capital One bill was due XXXX XXXX, 2015. I noticed it was due XXXX XXXX in the morning and when I logged on to pay I was already charged a {$19.00} late fee.. It had n't even been XXXX hours. They do this to me all the time and I do n't think it is fair.
Consumer complaint received 2024-02-17
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I XXXX filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-09-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: VW Credit, Inc (DC)

Volkswagen Credit will not transfer the original certificate of title to XXXX XXXX in order to register my vehicle. They are requiring XXXX XXXX to go against their policy and directly request the original certificate of title. 

Due to this, I have tried to refinance the vehicle, but I can not get Volkswagen Credit to send the required documents ( namely, the certificate of title ) to my new desired lender. 

This company has effectively removed my ability to 1. Register my vehicle in the District of Columbia 2. Refinance the vehicle with another lender.
Consumer complaint received 2017-02-20
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Debt was paid off and debt was resulted from identity theft and fraud embezzelment. 

As you know I have reported my identity was compromised. 
Po ; oce re [ port and Identity Theft Victim 's Affidavit had been mailed to you and to the bank institution. 
I asked that the charges be taken out of my billing. 
Please respond within the next 30 days that the charges are removed.