davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (AZ)

In preparing an official complaint through the FTC and the CPSA, I took a look at the complete history of billing statements made available on your website. 
To an extent, I recant allegations that Bayview/Community failed to apply advance prepayments directly to principle as required by the original not, HOWEVER ( my complaint will go forward, though modified ) It seems Bayview/Community altered my payment without my approval to accommodate 12 months of payments across 26 bi-weekly payments, thereby circumventing the prepayment clause. THAT IS A DECEPTIVE PRACTICE AND IS INTENTIONAL THEFT. unfortunately, I have no recourse for that. 
HOWEVER, it does appear that XXXX indeed did fail to apply advance prepayments according to the terms of the original note. Thus it became incumbent upon Bayview/Community as assignee of the note, to apply all accumulated prepayments to the principle as Bayview/Community assumed control of this account. 
Therefore, I now implore Bayview/Community to adjust the opening balance of this note as assumed by the total of advance prepayment accumulated. 
I do not care if that involves the reissuance of 1099INT or 1098 's ; none of that is my concern. 
I am moving forward with a formal complaint with a copy of this text.
Consumer complaint received 2020-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The following account was created without my knowledge, and I have no contractual agreement with the creditor : XXXX XXXX XXXX XXXX XXXX {$1000.00} Charged Off XXXX XXXX XXXX XXXX XXXX, IA XXXX. I have spoken to XXXX XXXX XXXX XXXX, and explained to them that I discovered an erroneous account in my name on my credit report. They informed me that the onus was on me to prove that I did not create this debt myself. I am a XXXX individual, and I do not have the wherewithal to go head to head with a bank to prove my innocence. The fact is, that they can not produce a contract with my wet ink signature on it. They have done damage to my commercial person, preventing me from participating in commerce at the level and status to which I am entitled.
Consumer complaint received 2017-02-03
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (VA)

This company has reaged a debt that was from XXXX as XXXX it is being reported inaccurately also they never sent me notice of this debt and put it on my credit files. I want it removed from all XXXX beaures
Consumer complaint received 2015-05-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Bull City Financial Solutions, Inc (FL)

I had insurance coverage however for some reason they did not try to collect payment until a very later date and I have proved to them I was covered and they bill should be going to XXXX XXXX and XXXX XXXX of Florida. However they placed this on my credit and it is destroying me from moving forward in life with loans and etc.
Consumer complaint received 2021-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I received my credit report from you. It included the following incorrect information it will also be posted in the documents section. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  2 accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And several addresses and hard inquries, they will be all highlighted in the report in the documents as well. These addresses are unknown to me XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX  XXXX XXXX XXXX My child support and doctor bills are showing up unpaid I will be posting receipts that they have been paid in full, I am enclosing a copy of my credit report with the incorrect data highlighted.I just received a letter from that creditor verifying that this information on my credit report is inaccurate and should be removed from my credit file. I have enclosed a copy of the letter, because I am a victim of identity theft its also multiple social security numbers on my account and my ex wife who I have been divorced from for over XXXX info as well and it shouldn't be.
Consumer complaint received 2017-03-10
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (OR)

I applied for and got a loan for XXXX dollars. I was going to pay off the balance with my next social security check as they said I could pay off the loan early. When they finally posted the loan on their website and the early payoff amount, I discovered that to pay off the loan after 30 days I would owe XXXX. I 'm XXXX and XXXX is my only income. I ca n't afford XXXX dollar payments for the next 6 months. I expected to pay a reasonable amount of interest after 30 days, not almost XXXX dollars! What can I do? My first payment is due XX/XX/XXXX.
Consumer complaint received 2015-06-16
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Ballybunion Enterprises, Inc (NC)

I currently have an account with Freedom XXXX XXXX. I have been a customer with them for over 2 years now, from the beginning it has been stressful. I originally applied for financing for a flat screen television for a family member. I thought the pricing was good so I continued with the loan. I thought I would be done paying this off within a year but now I am still owing them over XXXX XXXX dollars. This company has been continuously harassing me about a payment that I try to make every month. Being in the military I can not fall delinquent in any payments because it was cause my security clearance to be breached and possible discharge from the XXXX XXXX. They have made multiple threats about contacting my XXXX regarding the account. I have asked them multiple times about offering me a settlement amount so that I could be completely done with them and they turned me down multiple times. This time is the last straw. I recently made a partial payment to them on XXXX XXXX XXXX. Usually they will call me and harass me with making another payment. But they only called me once on XXXX XXXX XXXX and left a voicemail. I could not answer because I was at work so I called them back as soon as I could. No XXXX answer and there is no way to leave a voicemail for them, the phone will hang up once it is ringing for too long. XXXX XXXX XXXX XXXX they took {$94.00} out of my account without me knowing. Also XXXX XXXX XXXX, they took {$190.00} out of my account without my consent. I have been trying to call them constantly and finally today I spoke with someone named XXXX, he was rude and talking over me, and even denied the transactions taking place. I even offered to send them a screenshot of my bank statement. XXXX told me that he would have his manager call me back. This is completely fraud and I do not understand why they would try to get over on young people in the military.
Consumer complaint received 2015-03-29
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PLAZA HOME MORTGAGE, INC. (MA)

We received a tax abatement and our escrow payment and balance is not realistic for what needs to be paid. The company will not review the escrow until sometime XXXX which is not fair. This is frustrating because we pay on time and pay extra each month to reduce the principal.
Consumer complaint received 2016-08-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Global Credit & Collection Corporation (CA)

I made a good faith attempt to pay this debit, but they deliberately black list me, so now I am homeless and have to depend on living with relatives because I can not rent a place of my own. The debit keeps increasing, the ownership has changed hands and I am still a XXXX XXXX XXXX XXXX woman without my own place to live because the information sharing of this company. The XXXX XXXX owners kept my security deposit as well, so this debit is truly not owed.
Consumer complaint received 2016-03-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (IL)

Refusing to delete account info from my credit report. XXXX has willingly deleted all the info from my report and notified XXXX credit agencies. Equifax has not and would not delete the information. I have disputed twice with them already. The only thing that they do is they " verify that the information is correct ''
Consumer complaint received 2022-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (MD)

This complaint concerns my TD Bank credit card. I have not used this card at all this year. In XXXX a fraudulent charge of {$1.00} was posted to my account. I reported this after receiving a letter in the mail telling me my account was past due. That was in XXXX. I reported the fraudulent charge and was told an investigation would take place. My card was cancelled and I was sent a new card. In XXXX I got another letter saying my account was past due and that I owed {$75.00} - all stemming from the {$1.00} charge. I was reported to the credit bureau because of this. I believe this was improper because I reported the fraud and all fees, charges, etc. should have been placed on hold. What a mess and terrible way to treat a customer over a {$1.00} charge. A simple XXXX search would show that the company that posted the {$1.00} XXXX is well known for this scam.
Consumer complaint received 2015-07-28
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

My Capital One account credited my credit card on the XXXX of XXXX for a payment made on the XXXX from XXXX. The payment was returned for NSF on the XXXX of XXXX, but I have been assured by XXXX that the payment went through. On the XXXX of XXXX I noticed the discrepancy. I contacted both banks and was told to wait a few more business days before the credit showed up to my account. I waited until the XXXX and nothing had been returned. I spoke with representatives from XXXX banks including Capital One 's payment investigation department. I was informed by capital one that I needed to send proof that the payment had gone through that was made from XXXX on the XXXX over fax to XXXX. That fax was sent on the XXXX. Capital one stated to me today that they had not yet received the fax. I called XXXX and had them fax the statement again and I 've been getting the run around from Capital One all day on the phone. We even had XXXX 's bank representative on a three party call and the representative confirmed that the payment made on the XXXX had been taken out of my account, but was never returned.
Consumer complaint received 2015-09-01
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Specialized Loan Servicing Holdings LLC (ID)

I had a loan that was sold to a different mortgage company that had derogatory remarks on my credit report I have a XXXX balance with them. I would like to get this taken of my credit score can you please help me out on what steps i need to take, to have it removed.
Consumer complaint received 2022-02-09
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)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Consumer complaint received 2023-03-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

My card was put on file for a XXXX subscription and the company automatically charged me one of the highest subscriptions with no warnings. I did not put my card on file as far as my knowledge so this charge caused my account to go negative and I need it reversed.
Consumer complaint received 2020-10-17
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Cottonwood Financial Ltd. (MN)

On Thursday XX/XX/2020 I received a call from my mother in law because she had received several calls from a number looking to locate me and the lady on the phone said she was a processor and is looking for me to service me for a debt I owed but she refused to give her name or company she was with so my mother in law hung up and immediately called me thinking this was my ex husbands mother who I have a 50 year order for protection on my ex husband trying to locate me. I asked for the number the lady called from which was XXXX and I tried calling the number which just rang did not go to a debt collection company so I then thought test my ex husband is trying to find me again and immediately thought me safety was in jeopardy. About two hours later that same number called my work phone twice but I could not answer because I was with a customer and then then called again and I answered and it was the lady that had called my mother in law several times she started saying shes been trying to get in contact with me thats shes a processor and trying to service me and she would have my address verified in two hours and I can call XXXX to discuss the debt and she will call back when my address is verified to come to my home. I immediately called XXXX and a guy name XXXX got on the phone and said that I defrauded Cash Store and I will be taken to court unless I take care of whats owed right now. I explained I never defrauded Cash Store I explained I was paying the loan and I fell into financial difficulties and especially now because of COVID-19 he said well I need to pay something today and how am I surviving if I dont have money to pay the debt I kept saying I dont have any money right now and then he said well see you in court and good luck in court. I then looked at the letter I received from Cash Store just a week prior and it states my debt was sold to XXXX XXXX XXXX XXXX XXXX so then I really started thinking my safety is I. Jeopardy and my ex is looking for me again. The processor lady then called my work number twice and then my cell phone but I was still working so I couldnt answer but then again she called my work number I answer and she said did you talk to XXXX I said yes and explained that the company was extremely rude she giggled and said how so I said well to ask me how I am surviving and cant pay a debt is completely out of pocket she again laughed and said well I will be proceeding with the court action and do I still work for XXXX XXXX XXXX when I said no I have to worry about XXXX XXXX for my children so I am not working she said yea we all know you have a lot of children and then she said shes contacting HR and that she will be to me home in 1-2 hours to serve me. I felt threatened as I have extreme safety concerns from a past XXXX  relationship where the man was sent to prison for many years and I have a 50 year order for protection on him so I immediately told my kids get inside and locked all my doors.
Consumer complaint received 2015-11-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (MA)

American Education Services of XXXX, PA had been servicing my private student loan until I paid it off in full in XXXX of 2015. This loan was paid off many years ahead of schedule, I never missed a payment, nor was I ever late with a payment throughout the entire history of this loan. I know this as fact since I am in the military and my payments were made through my financial institution before the loan was paid and closed out. I have monthly bank statements to prove all of my payments were made in full and on time. After producing a payoff amount of over {$62000.00} which is over twice the amount of the original loan, I noticed the loan was never reported as paid in full to the XXXX major credit bureaus ; however, a missed payment of 30 days was showing on XXXX credit bureau files, and a 30 - 60 days past due payment was showing on the third file crippling my personal credit rating. Needless to say, the impact this has had on my credit, and my ability to obtain a mortgage has been devastating. To make matters worse, every attempt I have made to contact AES and discuss this issue with them they refuse to acknowledge the error, nor would they correct their mistake after I submitted supporting documentation. With no other alternative, I contacted all three major credit bureaus : XXXX, XXXX, and XXXX. Each bureau contacted American Education Services on my behalf and attempted to resolve this issue, none of the agencies were able to gain any cooperation from AES. Each credit reporting agency told me they were powerless unless American Education Services directed them to make a change to my credit file which AES stubbornly would not do. AES would not speak with me and the credit reporting agencies on a conference call. AES stated it was against their policy to go on the record regarding such matters. ( I have spent my entire life protecting their 's, yet they think nothing of ruining mine and my financial records due to negligence ) XXXX reported the account as late right along, ( which is false ) then after it was paid off they reported it as open and current, then AES came back to them and instructed them to change the status to closed BUT was 60 not 30 days past due! Although this information is completely false and all after the fact XXXX did exactly what AES had instructed them to do. ( probably because AES pays them a fee ) I have not been able to right this wrong through the channels I have followed thus far. The credit agencies XXXX and XXXX also refuse to change the status of this account as paid in full without delinquincies because American Education Services is calling the shots since they are the paying customer regardless of the consumer 's rights under the law. I am hoping the CFPB will work with me to cause AES, and all XXXX major credit reporting agencies XXXX, XXXX and XXXX to enforce the law and protect my rights as a consumer. Thank you.
Consumer complaint received 2017-02-01
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I was contacted by an employee of Capital One on XXXX XXXX, the employee made a threatening voicemail stating " call me back or come back with a XXXX ''. 
After reviewing the voicemail I contacted Capital One to file a complaint and was told that upon review of their recording the agent was n't aware that he was leaving a voicemail and was having a personal conversation. I was told that he stated that there was a quarterback that XXXX however, my voicemail states something completely different. I reviewed the voicemail again and sent the recording to XXXX XXXX via email and was never contacted again. I am extremely upset that I received such a threatening voicemail and the issue has not been resolved and has been completely ignored by management.
Consumer complaint received 2015-06-11
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am being charged {$45.00} -XXXX per month in interest, after 0 %, on my credit card. When I called asking them to lower the 22.99 % interest rate, I was told that " there are no provisions for lowering the rate at present, you can check back at a later date " I have had my income drastically lowered & can not afford these exorbitant charges, is there something that can be done to help me? I have been unfailing in my repayments- always on time, ergo this company has denied even speaking with me about trying to find a way to help!
Consumer complaint received 2024-03-08
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NJ)

I am trying to use my American Express XXXX card to make purchases on XXXX but they continue to block the charges rendering the card essentially worthless. It took me XXXX attempts to get a XXXX transaction to go through before I was blocked from using the remaining XXXX on my card.
Consumer complaint received 2020-06-01
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. (TX)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX {$2200.00} XXXX XXXX {$100.00} XXXX XXXX XXXX {$14000.00} XXXX  XXXX {$1600.00} XXXX XXXX XXXX {$2100.00} XXXX  XXXX {$0.00} XXXX  XXXX {$1600.00} XXXX XXXX  XXXX {$180.00} XXXX XXXX XXXX {$26000.00} XXXX  XXXX {$2100.00} XXXX XXXX XXXX {$20000.00}