davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-10
Product: Credit card — 
Issue: Payoff process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I went online to Bank of America ( BoA ) credit card website to payoff the full amount due. The website indicated that the full amount due was {$7100.00}. There was nothing on the website to inform a consumer that paying the full amount indicated would not fully pay off the account. I made the payment for the full amount and believed I now had a zero balance on this account. As I had closed the account a number of years ago, my intention was to no longer have to make any additional monthly payments. To my surprise, instead of the next account statement showing a XXXX balance - it showed that I owed and additional {$38.00} due no later than XXXX/XXXX/XXXX. 
On XXXX/XXXX/XXXX, I called BoA and spoke with a customer service representative, " XXXX. '' She transferred me to her supervisor, " XXXX XXXX, '' who identified himself when asked, as a " supervisor of the agent team. '' XXXX XXXX acknowledged that there is nothing on the website that explains to a consumer who wishes to pay the amount necessary to result in a zero balance on the account that the amount shown as due, on the day that the consumer signs onto the account, is NOT the actual amount that must be paid to XXXX out the account. 
XXXX XXXX explained that despite this failure to inform the consumer on the website, BoA refuses to credit the {$38.00} because somewhere in a revised terms of service, which he said was sent out in XX/XX/XXXX, it explains that if the consumer wished to pay off the full amount owed, the consumer must call BoA to find out the real account balance. 
I explained to XXXX XXXX that the failure to provide this information on the website -- in the " Pay This Card '' dialog box that pops up to allow the consumer to click on the " Make Payment '' button, and enter an amount to pay, is misleading. I asked that the {$38.00} be credited back to the account such that the next statement would show a XXXX balance, and he refused to do so, again restating the explanation in the paragraph above.
Consumer complaint received 2022-08-10
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: EQUIFAX, INC. (NC)

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, Equifax and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}, XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2019-02-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IN)

On XX/XX/2019 I contacted XXXX XXXX XXXX through their website XXXX ( which no longer exists. ) I verified that I would like to adopt two of their XXXX XXXX kittens ( 1 male and 1 female. ) We went over the details of pricing and agreed to {$930.00} to be sent over paypal, as the owner lives in Virginia. This price included shipping the animals on flight where I could pick them up at the airport immediately. On XX/XX/2019 I signed the contract for the kittens that was sent via email and the money was transferred to a XXXX. The owner stated she would need a few hours to get certified copies of their vaccinations and etc. We did not hear from her until the following morning after reaching out for an update. On XX/XX/2019 the owner, XXXX XXXX, stated that she would be shipping them and they would be coming in that night. On XX/XX/2019 the cats were never shipped but XXXX received the money. Myself and my husband reached out about a re-fund but XXXX has not been receptive and her website for adoption has been taken down.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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.

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 2017-02-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

The Company locked me out of my house again for the second time after letting them know I was in the middle of moving and the house was not vacant! I still have my personal belongings in the house! I called the company several times and they have still not gotten back to me. What kind of monsters are these people? I am a XXXX, single, XXXX woman in Bankruptcy XXXX and I was working with XXXX to modify the mortgage. Rushmore hired a company to break in and change my locks. When I finally got into my home, I discovered the company they hired stole my personal belongs that I had packed in 20 boxes ' They have a sale schedule on the XXXX of XXXX. This is illegal ' I have sent them my authorization letter for them to speak with my attorney to get into my house and my attorney sent them an authorization letter and Demand. They are refusing to speak with my attorney and will not take his calls. They said they have to wait 24- 48hrs. This is my house and they have caused me emotional stress and harm mentally ' They also have advertised to sell all my possessions in the sale ' XXXX either sold, owns, or is the servicer of the mortgage to XXXX/ XXXX / Rushmore address. I send a Qualified Written Request letter to all companies to find out who the real lender is. I am also challenging all the security deeds as they said that I and my ex-husband XXXX XXXX executed them and that XXXX is out Attorney in Fact. The property description and the deeds are fraudulent.
Consumer complaint received 2022-02-19
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$990.00} ; XXXX XXXX XXXX Balance : {$610.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$120.00} ; XXXX XXXX XX/XX/2020
Consumer complaint received 2018-03-20
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Avadyne Health Holdings, Inc (IA)

XXXX XXXX Hospital in Iowa sent a medical bill to XXXX XXXX XXXX XXXX, XXXX Illinois, for an unpaid medical debt for our son. The hospital sent the debt in my ex husbands name only since he is the insurance carrier, legally responsible for all medical debt for our children after XX/XX/XXXX in divorce decree and the grantor on the medical bill account. In prior years when we were married, we had accounts together through XXXX XXXX XXXX XXXX. When XXXX XXXX Hospital sent the account through to XXXX XXXX XXXX, the automatically attached my name to the account in collections. I never received a bill from XXXX in this account and never received a bill through XXXX XXXX XXXX on this account. I found that XXXX XXXX XXXX had done this when I checked my credit. When I spoke to XXXX XXXX XXXX XXXX they said they couldnt bill me because they didnt have my address or number but had tried communicating with the ex husband whom was sent to collections in the first place with no response. XXXX XXXX XXXX XXXX representative threatened to take me to court, said they did not want a copy of the divorce decree, talked over me in a hollaring voice, belittled me. The original creditor, XXXX XXXX Hospital did not send me to collections, never billed me for the services on XX/XX/XXXX but sent it to collections on XX/XX/XXXX due to a nonpayment on a bill my ex husband is legally responsible for paying. XXXX XXXX XXXX XXXX took it upon themselves to add my name to this collection account and put a derogatory mark on my credit when this account was not in my name in the first place when XXXX XXXX Hospital sent the account to them. XXXX XXXX XXXX XXXX has put a derogatory mark on my credit for an account that is not mine, threatened me, would not allow me to send evidence that the account was not mine, has not submitted proof that I owe the bill because the do not have my address and should not have my address since XXXX Hospital submitted the account on my ex husband and all of his information. We have been divorced since XX/XX/XXXX. XXXX Hospital is also working to remover my name from XXXX XXXX XXXX XXXX since they did not send my name on this account.
Consumer complaint received 2015-05-19
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: SQUARETWO FINANCIAL CORPORATION (GA)

XXXX XXXX is reporting that they bought my XXXX account in XX/XX/XXXX. The XXXX Account was opened in XX/XX/XXXX and has been closed for a very longtime. I have written all the credit reporting agencies in an effort to remove this inaccurate credit information ( Exhibit # XXXX ). The XXXX Account ( ACCT # XXXX ) was listed on my Chapter XXXX Bankruptcy filing dated-XX/XX/XXXX ( Exhibit # XXXX ) and was discharged.
Consumer complaint received 2020-09-11
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

Experian 's fico score is XXXX which is 40 points lower than XXXX   XXXX and XXXX XXXX. I recently filled out this form and they increased my fico by 2 points. I contacted Experian again and this is part of the response : Our memberships utilize the XXXX XXXX scoring model, which is a score used for many lending decisions. Additionally, credit scores can vary based on the credit reporting agency that supplied the report. The score is based on the report and creditors are not required to report to all credit bureaus. The three major credit reporting agencies in the U.S. are Experian, XXXX, and XXXX. 
There's an important distinction to be aware of, Experian and the other reporting agencies do not calculate credit scores themselves. The reporting agencies solely provide the credit report and then the lender or creditor may use XXXX, XXXX, or even a custom scoring model to calculate your credit score. 
What they are telling me is that the reporting agencies would use one method of reporting to XXXX  and XXXX  and a different method for Experian. If they were 10 points away from the other I could understand what they are saying, that may be possible. This is just Experian not doing what they are suppose to do as a credit reporting agency. A person should not have to do so much to get them to correct their error.
Consumer complaint received 2015-05-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America Home Loans, As per our telephone communications on Thursday XX/XX/XXXX. I beg to differ with your resolution concerning BOA or XXXX XXXX XXXX having the authority to add a XXXX mortgage to my XXXX mortgage -- -then holding my XXXX mortgage hostage from being refinance by another bank or mortgage company. There is no Florida Statue that states that you can do this. When my XXXX mortgage was transferred from Country Wide Home Loans to Bank of America loans in XX/XX/XXXX It was only a XXXX mortgage. I had paid off the XXXX mortgage with Country Wide. However, there is a Florida Statue XLI, of Frauds, Fraudulent Transfer chapter 725-727. Thus, BOA and XXXX XXXX are not only breaking a Florida Statue. You are committing a Federal Crime by trying to extort {$93000.00} from me across State lines.
Consumer complaint received 2015-05-21
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: NAVY FEDERAL CREDIT UNION (MD)

I refinanced my car loan with navy fedral. I signed all the required docments that was sent to me. my car payment went from XXXX to about XXXX. I was XXXX the military. but then some how my payment went from XXXX to XXXX i did n't notice the change becuse i was XXXX. when i got back i noticed it and i asked why my payment went up. they told me i was surpose to add Navy fedral to my tile which i did. i was told they will change my payment back to what it was before and i would get my retro back pay the three years that i was XXXX. but it never happened.
Consumer complaint received 2023-07-18
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-02-19
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Union Home Mortgage Corp (MI)

Under the CARES Act and due to loss of income related to COVID, we were given a forbearance period of 18 months as advised by our mortgage company under the impression we would be offered loan modification at the end of forbearance. Instead, the lender has denied a modification and is demanding the full amount accrued during the forbearance, approximately {$45000.00}.
Consumer complaint received 2020-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

i had my credit card payment for capital one on auto pay. it was scheduled to auto draft on the XXXX of each month. upon reviewing my credit report, XX/XX/XXXX and XX/XX/XXXX show late payments, i always check to see the draft take place inside my bank account. it did at that time. money said it was pending. then i looked at report and it showed a late payment. i called capital one and they said auto pay didn't draft and they failed to let me know both times. capital one said there is nothing they can do about it and are unwilling to take fault for auto pay not working correctly. i believe this is extremely unfair because it is damaging my credit report and im trying to purchase a home for my family. im unable becuase of these negative remarks.
Consumer complaint received 2016-03-08
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (PA)

In 2002, while I was XXXX a bank that is now known as Wells Fargo issued a home equity loan to a third party and used my property as collateral. This third party showed no ownership of this property located at XXXX XXXX XXXX XXXX in XXXX, XXXX Wells Fargo is now foreclosing on this loan. I tried to address this situation through their fraud department with no success. They ruled against me and totally overlooked the facts that i could n't have signed for a loan because of my whereabouts at the time. They have n't allowed me to negotiate a fair outcome because the loan isnt in my name.
Consumer complaint received 2017-02-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (MO)

I have auto-pay set up with Navient for monthly withdrawal from my checking account. However, they did not withdraw money on the month of XX/XX/XXXX and XX/XX/XXXX. I called Navient and they stated that the money did not get withdrew due to the holidays. Now I am paying an increase of {$6.00} and I believe it is not longer a 120 months pay schedule.
Consumer complaint received 2016-07-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MA)

Hello, I have submitted letters as well as online disputes with documentation to all XXXX credit reporting agencies. This is court documentation proving the account ( XXXX ) they are reporting on my credit is not mine and it was dismissed in a court of law in the state of Massachusetts ( in 2013 ). They have yet to remove this from my credit reports. I am attempting to purchase a home and the credit bureaus are making this an impossibility for me. I do not know what to do from here. I 'm applaud that they are ignoring legal documentation ( which is readily available to the public on the court website ). 
I thank you for caring, XXXX
Consumer complaint received 2016-01-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: National Credit Systems,Inc. (TX)

NCS agreed to remove a debt listed on my credit report in XX/XX/2014 but when I recently reviewed my credit report NCS has once again started reporting the debt that is NOT mine. This will be my last attempt to placate the matter before involving the Federal Trade Commission and Attorney Generals Office. I will be forwarding all correspondence to my attorney for review. Please help.
Consumer complaint received 2017-07-25
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (NJ)

On XX/XX/XXXX and XX/XX/XXXX, I was offered an opportunity to be enrolled in 60 month pay off program. Due to hardship on XX/XX/XXXX I contacted the Customer Solution Team/Advocate at XXXX XXXX XXXX. After speaking to an associate, it was determined that I only qualified for the 12 months hardship program. I would be paying {$80.00}, the account would be suspended for the 12 months, I would n't accrue interest for the 12 months, I would not be charged interest for the 12 months, and it would n't affect my credit. On XX/XX/XXXX, after checking my credit, it turns out that I had loss 110 credit point because someone at XXXX XXXX XXXX  decided to report my account as late pass due 30-59 days even though I was in the hardship program. I was promised by 2 supervisors that my credit would not be affect in any way. I called XXXX XXXX XXXX to have an associate to help resolve me issue but all they wanted was for me to pay the pass due regardless of my being in the hardship program. I requested to speak with a supervisor, but they just continued to pass me off to an associate. The sixth associate XXXX XXXX XXXX ( ID # XXXX ) claim to be an acting supervisor for the day told me that I was no long on the Hardship program because XXXX . XXXX XXXX ( ID # XXXX ) another associate, decided to terminate my hardship account based on his review of my account. He felt that its better for me to continue paying off my account as it was before my enrollment into the hardship program, because I would be paying less interest. But I was never informed or given the opportunity to make that decision. The associate that enrolled me in the hardship program was XXXX XXXX XXXX ( ID # XXXX ). On XX/XX/XXXX and XX/XX/XXXX a  payment into the program were made of {$80.00} ea.
Consumer complaint received 2017-07-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (MA)

I have been trying to resolve a loan with Peoples United regarding a past due loan. I sent in payments but they will not reinstate, apply the payment, or accept a settlement. loan officers name is XXXX XXXX XXXX Peoples united XXXX XXXX XXXX XXXX ma. I had a very good interest only loan program around 4 % that they would not renew. I dont know why i had a great repayment history. Then they forced me to take a higher fixed term loan at 7.5 %.. I fell behind on the payments, and they would not work with me.
Consumer complaint received 2018-03-21
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

on XX/XX/2018 I received ( 3 ) missed calls from XXXX. All calls were back to back at XXXXXXXX XXXX cst. The phone rang 1 time each call then hung up before I could answer which resulted in ( 3 ) different missed calls. I have taken a screen shot on my phone to verify the incident. I contact the number back immediately. The lady stated she was from Wakefield and Associates. I advised the lady that I just received ( 3 ) missed calls back to back from this number and that it was a violation of the FDCPA and CFPB. I asked if my number was on a automatic dialer system and she said no and didn't know why I would have been contacted ( 3 ) times back to back. She then went on to verify me and to tell me that I had a medical debit in the office and requested repayment to the client.