davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-24
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of america N.A., violated my privacy and disclosed my information to a third party without my consent. They also called me numerous times on a delinquent loan even after it was transferred to another institution, same way they did with reporting it to the bureau, after it was long time settled. I was also not informed that it 's being transferred to another company, with no chance to work out a plan. They never reported the account as in dispute. This same company who is regulated by the FDIC and the OCC and has on their back thousands of FDCPA claims, they have a problem when an individual who is not regulated by this regulations, nicely calls up their executives who are responsible for the bank, and have an idea to call it harassment, absurd! They called me day and night, even after being advised to cease and desist and to stop. Furthermore, they claim they ca n't delete a trad line per the FCRA, and are stubborn nasty on that more than any other bank out there, even though it 's been very close to retention, they wo n't go above and beyond and will not comply with the good faith and fair dealing act. However, when they are afraid of a legal claim against them related to FDCPA, they were suddenly wiling to also violate FCRA rules, if I should 've sign a waiver of claims and an NDA, based on what I was clearly told by XXXX XXXX XXXX, bottom line this bank had to pay billions of dollars for all their mishandling mortgages, and other claims, and were balled out by the government, although it was their fault and negligence, but when it comes to someone else, they are nasty, rude, ignorant. As of today the account is differently being reported to each bureau.
Consumer complaint received 2022-08-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (GA)

It all Begin XX/XX/XXXX this year when my Mortgage company contacted me that Effective XX/XX/2022 my mortgage loan servicing will be transferred from XXXX XXXX XXXX XXXX XXXX to Fay Servicing , LLC. SO MY XXXX PAYMENT OF {$540.00} was the last payment to Community Loan Servicing. So I call Fay Servicing 1st to set up Auto pay because I were yet to receive my Welcome package with my direction, once received welcome package it instructed me what to do, I went on line and set up auto pay for upcoming draft XXXX XXXX. On XX/XX/XXXX I notice my auto draft of {$540.00} Pending from my checking account ALSO I saw another Pending of {$950.00} from Fay Servicing that I did NOT AUTHORIZE, I call my Bank XXXX and spoke with the Security Dept, they instructed me to call Fay Servicing I did, they told me they saw Nothing on my file of that {$950.00} Charge I went back and forth with My Bank and Fay Servicing.XXXX XXXX Fay Servicing XXXX Credit of {$95000.00} back to my account.Same thing Happen XX/XX/XXXX my account Debited {$950.00} un-authorize Transaction, Fay Servicing Reversa Credit back to my account of {$950.00} XX/XX/XXXX. On XXXX my account Debited {$950.00} and UN-AUTHORIZE TRANSACTION. I haven't been Credited YET.Its A MESS, and I'm Tired
Consumer complaint received 2020-04-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (CA)

Paid off my emergency room bill with XXXX XXXX XXXX Hospital in XX/XX/2020 was told it was taken care of and no balance due and that I paid on time. Come to XX/XX/2020, I check my credit and there is a collection agency RMP SERVICES LLC XXXX XXXX XXXX XXXX XXXX, TX XXXX trying to collect on the same account. Disputed the account with XXXX  but they did not remove it even though I have proof of payment. Tried to talk to XXXX XXXX Hospital today and spoke with XXXX who was very rude and argumentive and tried to ask for a supervisor to try to get some better assistance. She kept repeating I had a zero balance and there was nothing they could do, which was the whole point of the phone call. I told her that they sold it but I had already paid them in full and had proof and they needed to fix it as it was affecting my credit. They said call the collections but the collections will not help either because its the Hospitals responsibility to tell the collections it was paid and was not supposed to be sent in as a collections, I still have not heard back from the Hospital and am trying to dispute again but decided this is my best route. If this doesn't work I will seek an attorney because I am not paying twice.
Consumer complaint received 2017-07-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

I originally had loans with XXXX XXXX. I was never notified of my loans being sold to navient. Navient is not correctly reporting my loans to my credit bureau, nor did they explain to me repayment. I was under the impression all of my loans were in repayment plan, because when I signed up that 's what I was told. Apparently only 4 were in the program. I would have never only put some loans in repayment I wanted them all in repayment that was the purpose of repayment plan. Navient never discussed with me. I have been repaying for close to 4 years now and my credit is awful because I was n't aware that I was n't repaying everything. Navient does not have their info correct either when it comes to calling them for information. Student loans are crippling enough on their own, the company servicing themy should be helpful not a hinderence.
Consumer complaint received 2020-07-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ACIMA CREDIT, LLC (WA)

I owed on a bed we had purchased from XXXX XXXX and ACIMA CREDIT  was the company that did all the financing. We were on our last two payments and my wife and I just said lets pay it off and be done. I called the company and told them I would like to pay off the bed. The lady on the other end told me that I could pay {$200.00}. She then started typing and came back and told me that the computer would not accept the full payment and I would have to wait to pay the other payment. I then asked to speak to a supervisor, whom then told me that I was not able to pay the full balance because the system would not allow full payment. I was speaking to them in front of two of my coworkers who asked how any company would not except payment. I then asked the lady if this was a recorded line and she said yes. I wanted to make sure it showed I tried to pay off the account and they told me no. My wife then went online a week later and paid the {$200.00} which it said would close the account. A few days later we received a call from ACIMA CREDIT saying we owed {$43.00} still. I told them I wasn't paying another dime for a bed we were told cost {$450.00} and ended paying close to {$1100.00}. This company continues to call us and ask for payment and I have told them to stop calling me or we would have our attorney get involved. They then put on my credit report that I owe them {$180.00}. The call I received yesterday said I owed {$93.00}. Obviously this company is only trying to collect interest on interest and nothing more. I added my last payment receipt with this complaint. The system told us that was the payment needed to close the account. Here we are months later from XXXX and they are still calling trying to collect money.
Consumer complaint received 2017-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: WELLS FARGO & COMPANY (WI)

My credit card issuer, Wells Fargo Bank, assessed with an APR interest rate hike beginning in my XXXX of 2016 from a 9.490 % to a 28.740 %. This rate hike was a direct result of their Call Center staff incorrectly setting up an auto-payment which was to continue for 3 months while I was traveling internationally. In working with my the local Wells Fargo Banking Representative, a member of their XXXX XXXX XXXX ( XXXX ) and a member of their Small Business Lending Operations staff they corrected problem with three additional, but unrelated, accounts. I 've attempted to follow up for several months ( and have supporting documentation to include statements and emails if necessary ) regarding the status of this specific account but never received any resolution or a complete response. In contacting them today to follow up with this issue they insisted that " they '' did, in fact, correct the issue but the account was delinquent. I informed them that I received no such notification and I then I proceeded to go through each invoice and read the interest rate and fee reversals to demonstrate the requests were incomplete. After that the representative informed me that they were not able to provide an alternative and advised me to contact the VP for the Small Business Lending Division ( XXXX XXXX ) but unfortunately I have yet to see any resolution.
Consumer complaint received 2024-05-22
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. (TX)

I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments.
Consumer complaint received 2021-09-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2020-04-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (GA)

On XX/XX/2020, I received a collection letter from XXXX XXXX  XXXX XXXX, d.b.a. Speedy Cash. I have never done business with a company of either name. That same day, I responded to them in writing disputing the debt. In my dispute letter, I explained I had never done business with them and requested evidence that I was the debtor. 

In response, I received a copy of an unsigned credit application. I did not receive any evidence that I was the borrower. The company claimed their investigation showed I was the borrower. It is exceedingly clear they failed to conduct as reasonable investigation as required by the Fair Credit Reporting Act, and that they have not met their legal obligation to provide evidence that I owe the debt they are attempting to collect. 

As the victim of identity theft, I am appalled by their callous disregard for the law. Based on my experience and their lack of evidence, I suspect this firm routinely violated anti-money laundering requirements to " Know Your Customer. ''
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 

I looked at my Equifax credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-07-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC (NC)

On XX/XX/XXXX I looked at my XXXX  credit report and noticed a collection account on there from Receivable Performance Management LLC. I sent them a debt validation letter because I thought it may have been a mistake since I didnt get a notice or a phone call. On XX/XX/XXXX, they sent me a notice and an offer to settle which I should have got before they reported to the credit bureau. I called them to settle the issue. All they tried to do is make the debt out to be mine. They were supposed to email me a fraud letter but I never got it.
Consumer complaint received 2020-09-11
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. (IL)

I am a victim of identity theft/XXXX. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2018-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc. (SC)

XX/XX/2018 my wife and I sent out debt validation letters to National Credit Systems , Inc. in regards to a debt listed on our credit. We received in return a copy of the lease and final bill ( which we never received ) and they stated the debt was valid. In XX/XX/2018 we called the company to make arrangements to pay the debt and were told the they don't have the debt but it is still showing on our credit from them. We were referred to another copy but National Credit Systems , Inc. but the copy is closed and number is disconnected.
Consumer complaint received 2018-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Sterling Infosystems Inc. (CA)

XXXX XXXX. broke the FCRA by not following the proper procedures regarding adverse information uncovered by an employment background screen According to the FCRA an employer must wait 10 days before taking an adverse action against and employee when a negative item such as an arrest is discovered via en amployment background check. In this scenario, I was deactivated and effectively fired at the same time as the negative information was shared with XXXX  by XXXX XXXX XXXX. I was barred from employment simultaneously upon receipt of the employment screen I had already been driving on the XXXX platform for a year and was not given a fair second chance to explain or dispute an arrest i had endured. The second XXXX learned of the arrest is the same second that i was firedl. No dispure grace period or any discussion whatsoever, just an abrupt termination.
Consumer complaint received 2018-02-23
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. (IL)

Equifax and this company name, according to Equifax is " XXXX XXXX/XXXX '' both are reporting a negative account on my credit report as result of identity theft. I don't have any contractual relationship with " XXXX XXXX/XXXX '', that makes Equifax and " XXXX XXXX/XXXX '' entitled to enforce inaccurate credit information on my credit file. I tried resolving the issue recently again with Equifax on XX/XX/18, and directly through " XXXX XXXX/XXXX '' but has not had any resolution.
Consumer complaint received 2023-02-07
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: Westlake Services, LLC (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Westlake Financial : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-06-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (FL)

I applied for a refinance in XX/XX/2018. Started the process with a gentleman name XXXX XXXX. After several calls and days, XXXX calls me and said he needs to collect {$240.00} from me. I asked why and he said it was a good faith to make sure I was serious about moving forward and that I would get the money back at closing. I said that will be fine. 
About a week or so later an appraisal was done. The appraisal came in real low and was incorrect. Because of this XXXX XXXX from Quicken Loan said the original refinance agreement could not be met and I had to come out of pocket a lot of money in order to refinance. I told XXXX the appraisal was incorrect but he said they couldnt do anything about it. I told him that I wanted my money back since they could not proceed with what was agreed. XXXX XXXX told me he couldnt refund the money as that was used toward the appraisal and that XXXX XXXX was supposed to have collected {$500.00} from me as that was the cost of the appraisal. I told XXXX that XXXX told me that money was a good faith payment to make sure I was serious in proceeding but XXXX said that was incorrect. 
I have since gone to three other banks for the refinance. Two of the banks paid for the appraisal and told me that if the loan goes through I would pay it back at closing. 
Quicken Loan appraisal came in at {$110000.00} XXXX appraisal came in at {$130000.00} XXXX XXXX XXXX came in at {$140000.00} XXXX XXXX XXXX notified me up front that I would need to pay {$480.00} for the appraisal before proceeding. 
I should have been told by Quicken Loan that I needed to pay for the appraisal up front. If this was for the appraisal then I should have been told to pay {$500.00}. I dont understand why XXXX collected {$240.00} and said it was in good faith if it wasnt. The amounts do not equal up. I shouldnt be responsible to pay for an appraisal that was done incorrectly. After the fact I looked at the XXXX XXXX XXXX  ( XXXX ) and noticed many complaints for the same exact reason. They were told that the money was in good faith and then they kept it. This is a sneaky way of taking peoples money and Quicken Loan being such a huge mortgage company should not be treating potential customers like this. 
I have since refinanced my home with another bank that treated me great with no money out of pocket. If anything, I received money from my refinance. I am looking to collect my {$240.00} back from Quicken Loans.
Consumer complaint received 2020-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (FL)

Discover card member since XXXX. 

On Wednesday, XX/XX/XXXX I received an email from Discover informing me they had closed my account which was in perfect standing with a XXXX  balance. They provided three reasons which included : Inactivity on your account ( s ) % of balances to credit limits is too high on revolving accounts Proportion of loan balances to loan amounts is too high I believe they closed the account due to inactivity since I haven't used the card after paying off a balance transfer last year of approx. {$7000.00}. However, regardless of the reason, I find it completely inhumane that a company would do something like this during these unprecedented times. I shared that when I called the company on Thursday, XX/XX/XXXX to discuss my options. I expressed I found it extremely disturbing they would do such a thing during this pandemic. I also shared that I believed they closed my account to minimize their risk because of the pandemic. What if I needed this lifeline during these times for me or my child? Not to mention how it will impact my credit in the event I need to pursue other options. 

The lady I spoke to was apologetic and said there was nothing the company could do. Their agreement states they can close an account at any time. She suggested I apply again to Discover. I didn't understand this reasoning since they just closed my account. I realized I wasn't going to get a resolution from the call, so thanked her and hung up. That's when I looked up how to file a complaint against Discover.

I want to close by saying that I find it utterly appalling that Discover would treat their customers this way during these times when so many other companies are sending emails to ask how they can help. Is Discover helping other customers? If so, am I being discriminated against?
Consumer complaint received 2018-06-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC (PA)

I have never had an account with XXXX. I attempted to reach out to Debt Recovery Solutions and which I asked for them to verify the account. They sent a bill and at that time I called and explained to them at that time I had another provider and there was no need for me to have them. I have continuously disputed this account because it does not belong to me. There was no identification shown or nothing to verify on legal paper I authorized this account