davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

I have a total of 4 accounts with XXXX XXXX XXXX XXXX Equifax is only reporting 1 of the 4 accounts I have from XXXX XXXX I also have a XXXX XXXX credit card that is not being reported as well. all 4 XXXX XXXX accounts along with the XXXX XXXXXXXX credit account is reported on XXXX and XXXX, Equifax is only reporting 1 account out of the 6 open accounts...
Consumer complaint received 2015-10-31
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: TD BANK US HOLDING COMPANY (TX)

I have had a Target Visa Red Card since XX/XX/XXXX.I never had a late payment and by XX/XX/XXXX I had a credit limit of {$5000.00} with a cash limitof {$2100.00}. In the beginning of XX/XX/XXXX Target lowered my credit limit to {$3500.00} and cash limit to {$0.00} with no warning, no letter, and no explanation. I called, the first rep was not helpful, saying they always send a letter, did not want to give me a supervisor or credit ananlyst, saying they would say the same things he did. I finally got transferred to a supervisor.She could give me no reason for the decrease, and she saw there had been no letter sent with notification or explanation. She noted I had recently updated my income. After lookin over my history she told me she could not reinstate the limit manually but it would be reinstated in the upcoming review. She indicated the review was soon. As of today XX/XX/XXXX my limit has not been reinstated. This is not the first time I 've had a credit supervisor in a company not keep their word about approvals, imcreases, etc. I did nothing to cause the decrease and was given no explanation or a letter before or after.
Consumer complaint received 2016-06-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AFNI INC. (CT)

collection agency -afni -amount XXXX -this goes back to 2015 -the company is XXXX -i cancelled them in XXXX 2015 -owing them nothing -in XXXX 2015 i recieved a letter stating, that they terminating my service due to none payment -this the XXXX collection agency -all i wanted is an itemized biil -which no one can prvide me -if they did and i felt i owe this, id have pad this by know -but instead they chose to report me to the credit reporting agencies - this time its XXXX - maybe you can forward tis to themm, and advise of further actions i can take against afni - thank you XXXX XXXX
Consumer complaint received 2015-09-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (IL)

On XX/XX/XXXX I wrote to Ocwen Loan Servicing , LLC about the discrepancies with my mortgage billing statements. I De-Estrowed my property taxes from my mortgage XX/XX/XXXX so I 've been paying my property taxes myself and my taxes are paid current but, from XX/XX/XXXX through XX/XX/XXXX the problem is what I do n't understand why I have been billed for Escrow in the of $ XXXX cents and past due fees/other charges for {$5.00} dollars per month also, negative Escrow amounts $ XXXX dollars for XX/XX/XXXX, and XX/XX/XXXX a negative $ XXXX dollars, and {$35.00} dollars for XXXX months. I just reviewed my statement for XX/XX/XXXX there is that {$35.00} Escrow charge to my account. I 've sent them copies of my paid property tax statements. According to the letter they forwarded me dated XX/XX/XXXX they said that the information I provided does not indicate that I have a refund due. I think they owe me a refund. I ca n't seem to get these Representative at Ocwen do n't seem to understand what I 'm telling them it 's very frustrating I need someone to help me resolve this situation.
Consumer complaint received 2021-10-04
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc. (DE)

Based on settlement letter sand the settlement amount on their website, I accepted a settlement to pay the collection and have it removed from the bureaus. I paid the amount due. Now the balance is still showing and has been reported to the bureau as a payment instead of deleting the tradeline as promised.
Consumer complaint received 2018-01-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc. (NY)

For the past month I have been in constant contact with XXXX from XXXX XXXX XXXX. I explained to XXXX as well as two of his managers that this debt was incorrect due to me paying it off. XXXX then proceeded to tell me I owed over {$2000.00}. I again explained that this debt was incorrect. I also told XXXX to stop calling me as well as sent a cease and desist letter to his company. He then threatened me with legal actions stating that their law department wouldn't be as nice as he was. 

XXXX then proceeded to call me three more times since then. On the third time,XX/XX/XXXX, I asked them to provide information that showed that this was my account, mainly a signature or some type of agreement. They lied and said they had that documentation and it was my account because they had everything. They proceeded to send me multiple bills all with my name along with the WRONG address. They never sent me the documents I requested and never did their due diligence of proving that they were indeed contacting the right person. I explained that this was not my address and I have not lived there in over 8 years so it was impossible for me to have opened that account ( this account was opened 3 years ago ). 

I continuously stood my ground while they took turns asking me questions like " why did you stop paying? '' " Did you lose your job? '' " Did you have a baby? '' Each time I explained that this was not my debt and that was not my address. They then asked me why I didn't update my account so they bank could get in contact with me. I'm not sure what was going on on their end but I have never been harassed so much by a company in my life. If the information is incorrect and I can show documentation of my address which will show that this is not my account, why not due research to see if maybe there was an error or maybe even identity theft? Either way this line of questioning continued for 30 minutes and it resulted in the manager threatening me with legal actions over an account thats not mine! Unbelievable!
Consumer complaint received 2015-11-17
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CITIZENS FINANCIAL GROUP, INC. (TN)

We paid off our loan and the bank says that they mailed our title to and old address. The bank stated that we did not update the new address information in time to get the title mailed to the correct address. We did receive a letter congratulating us that we had paid off our loan to the correct address. I mailed the payoff check to the bank 2 days before we checked to make sure the address was right. So obviously the postal service runs really fast or Citizens Bank 's systems do n't work as well as they should. We have called several times with no single person having any real knowledge of what 's going on. We have had the worst customer service I 've ever had. I seriously believe that Citizen 's Bank hires the people that the cable company would n't hire for customer service. I contacted the person that now lives at the old address and they have not received anything from Citizens Bank.
Consumer complaint received 2022-09-09
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: Experian Information Solutions Inc. (CA)

I went to try and purchase a vehicle and they pulled my credit report they said they were only going to pull my credit report one time and they ended up pulling my report multiple times with other lenders. 

XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX  XXXX XXXX XXXX XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX XXXX XXXXXXXX XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XX/XX/202XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX  XXXX XXXX XX/XX/2021
Consumer complaint received 2024-02-23
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. (AZ)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX Delete this account. 

3. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

4. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 

9. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

10. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Please remove it from my credit report. 

11. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXXXXXX XXXX Account Number : XXXX Delete this account. 

12. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX Account Number : XXXX Delete this account. 

13. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

15. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Consumer complaint received 2018-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Paid on time each month the minimum payment as part of a balance transfer promotion. 

On the statement datedXX/XX/XXXX, the balance on the card of {$4200.00}, XXXX was under a promotional rate. It did not provide any notification that this transfer rate would be expiring. 

On the statement dated XX/XX/XXXX, the promotional rate disappeared but the interest breakdown showed XXXX balance on any lines charging interest. No notification was provided on the statement that a promotional balance was expiring or that any balance was being transferred to a different interest rate category. 

On the statement dated XX/XX/XXXX, the full remaining promotional balance was subject to 23.9 % APR. Upon receiving the statement I paid the balance in full including interest to clear out any balance. 

On the statement dated XX/XX/XXXX I was charged another {$53.00} for interest charges on the interest charges and additional interest from the time the XX/XX/XXXX statement was issued and I paid in full.
Consumer complaint received 2016-05-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (CO)

I work for a title company. We ordered a payoff from Round Point Mortgage. We got the payoff, which was good through XXXX/XXXX/16. On XXXX XXXX, 2016 we wired the funds to Round Point per their wire instructions to payoff the loan in full. We have full confirmation that the wire was sent and I have verified the wire information given to me by Round Point. Round Point has not credited the account with the payoff, they are continuing to collect payments and charge interest on the loan. The Borrower and I have spent over 8 hours on the phone with them just to be put on hold and then cut off. They are not helping to resolve this issue. Even though we have given them copies of the wire confirmation, the payoff statement, our bank account statement they are still saying that they did not receive the payment. I have also spoken to a supervisor and he is at least a little more helpful, but not solving the problem. The borrow refinanced this loan, and has his first payment coming due on XXXX XXXX, and because Round Point will not resolve this issue in a timely fashion, he does not have the funds to make the first payment
Consumer complaint received 2019-03-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

Santander Bank stating that they want to help and they do not. They stretched time to bring loan up for thousands in interest and late fees plus attorney fees and make it harder for us to negotiate. We put a lot of money to recover the house after water pipe break accident and rain water flood that was not at our fault. Everybody take an advantage of us and nobody helps. Insurance company, XXXX XXXX, and management all used us and gained own benefits and got something using us and leave us to put more and more money into that house. We have been robbed by all those listed authorities, but no one was charged and we were supposed to buy all new electrical equipment. Also, initially, Santander representative calculated amount of monthly payment higher than it supposed to be. We got deceived approximately paying at least {$300.00} a month more. When straggled with unemployment and accident in the house, Santander stretched the time for modification and denied it totally four times. Now they want to get more in interest rate fees and on daily basis {$18.00} every day in the during of all time we are in foreclosure. We are XXXX people of XXXX and XXXX years old and nobody helps.
Consumer complaint received 2016-07-19
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Professional Finance Company, Inc. (CO)

I work for a company regulated by the FCRA and know that the statute seeks to not unduly burden the consumer, which is not atypical with laws that protect consumers. The collection agency that contacted me provided very limited information about the debt they were collecting. I have medical insurance and each time my insurance card was used. I have not received anything from a medical provider indicating that there is a balance outstanding. I requested more information from the collection agency and was told I had to submit the request via US Mail. This seems unduly burdensome particularly given the fact that they went through more than sufficient steps to validate me via telephone. They simply did not want to be bothered to send the information. I went ahead and paid it for fear of my credit being impacted and will now research it to try to ascertain its viability. When I paid it, I asked if I could receive something in writing confirming that the matter was resolved and was told that I could make that request in writing. I am in absolute disbelief.
Consumer complaint received 2021-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX is showing a delinquency of 120 days in XXXX, 60 days in XXXX and no delinquency in XXXX however in XXXX to shows 30 days past due. This reporting is incorrect. For example two payments were made on XXXX XXXX totaling XXXX drafted from my checking. My monthly payment is no more than XXXX to XXXX. Request research be done and the payment history will in fact show this payment being paid.
Consumer complaint received 2021-01-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: MARINER FINANCE, LLC (IL)

I have mariner fianc company which use to personal finance company instalment loan which went to collections. but they are still reporting it and are reporting the balances in correctly. there should not be 3 different balances on 3 different credit reports
Consumer complaint received 2015-07-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Stephens and Michaels Associates, Inc. (VA)

Collection Company Name : Stephens Michaels & Assoc. 

Representative did not give her name until I asked, rep. never notified me call was attempt to collect debt, rep. never told me call was being recorded, rep. also claimed that there was supposed to be a pre-recorded message verifying all of those things before our call was connected ( implying auto-dialer ) but recording never happened.
Consumer complaint received 2018-01-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have complained 4 times regarding Bank of America, since my complaints I have resolved my payment problem, however they did not resolve it but I did. I applied for the Home Saver Program with the State of NJ and pursued that option until I finally got the money to bring my mortgage up to date. I am now trying to do a modiffication since my account is current but the bank will not give you that unless you are delinquent. This is a no win situation you are damd if you do and damd if you dont. I will never recommend BOA to anyone that is looking for a mortgage, they do not care about their clients. I want this agency to change their practices and help people instead of degrading them.
Consumer complaint received 2016-11-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (MO)

XX/XX/2016 Letter says my last draft did n't clear. My credit union shows it cleared on XX/XX/2016. 
After years of hassle-free service from XXXX, I 'm constantly complaining about Bayview. Apparently, my only chance for peace of mind would be to refinance but I might get stuck with them again.
Consumer complaint received 2018-06-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: KEYCORP (OR)

There was two of my accounts that got shutdown by Key Bank my hassle free savings account and my XXXX XXXX account. The first one is information from my laptop, as I have saved screenshots of the transactions that I took this morning on XX/XX/XXXX. 
On XX/XX/XXXX they had deposited {$4000.00} from a check that my friend XXXX XXXX has sent me in the mail that went into the hassle free account. Her son XXXX XXXX had tried to send me {$8000.00} on XX/XX/XXXX but they never went through, as he got his money back just recently. In the XXXX XXXX checking account the other checks that XXXX XXXX sent me was deposited on XX/XX/XXXX as the total amount on the checks that went into that account was for {$3200.00}. Recently XXXX XXXX has notified me that on her side from her XXXX XXXX bank that the transactions went through without any issues and so there is someone at the Key Bank Corporate Office that has placed a block on my account and has not returned the funds back to XXXX XXXX? Last night I read about the 408 complaints that Key Bank has, as they are mostly from older people and poor people like myself. Right now I want to see about starting some kind of investigation against the people working in the corporate office, as most of those 408 people have lost money from Key Bank. Plus I would like to file charges and take Key Bank to court for the actions for what they did to me, as I have evidence in pictures and those screenshots of the accounts.
Consumer complaint received 2017-02-04
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (MO)

I HAVE RECEIVED A LETTER FROM WELLSFARGO DATEDXX/XX/2016 SUBJECT A CREDIT TO YOUR MORTAGE ACCOUNT LOAN NUMBER XXXX @ XXXX XXXX XXXX, XXXX , MO XXXX. IT SAYS. WE ARE WRITING TO LET YOU KNOW THAT A MORTAGE ACCOUNT REFENCED ABOVE WAS IMPACTED BY THE SETTLEMENT AGREEMENT, WHICH PROMPTED US TO PERFORM A REVIEW OF THIS ACCOUNT. DURING THE REVIEW WE DETERMINED THAT IS MORTAE ACCOUNT IS DUE A CREDIT. WE APOLOGIZE FOR THE INCONVENICE AND HAR CREDIT YOUR ACCOUNT.IT GOES ON A SAYS. DURING OUR REVIEW WE DETERMINED THAT THE ACCOUNT IS DUE A CREDIT OF {$330.00} AS A RESULT OF AN ESCROW ACCOUNT PROCESSING DELAY. WE HAVE CRDITED YOUR ACCOUNT FOR THIS AMOUND AND YOU WILL SEE THE REFLECTED ON YOUR BILLING STATEMENT. I DO NEED A THE MONEY APPLIED TO MY ACCOUNT, BECAUSE I AM IN BACKRUPCY. MY ACCOUNT IS NOW BALANCED OUT. IF NEED FOR THEM TO SEND ME MY XXXX. ( FROM GREEN CASE PENDING BEFORE THE US BANKRUPCY COURT FOR THE DISTRICT OF MARYLAND CASE # XXXX ) THIS WAS FROM CLASS ACTION SUITE . I NEED FOR WELLS FARGO TO DO THE RIGHT THING AND SEND ME MY {$330.00} MY ACCOUNT UNDER BANKRUPCY CASE IS PAID THRU THE COURTS AND DO NEED A CREDIT AT THIS POINT.
Consumer complaint received 2015-04-26
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (MI)

I called bayview to ask why they were charging me late fees on my mortgage, when I send my payments two weeks ahead of time.I can send my payments on the first of the month and by the XXXX. off the month and they will tell me they have not recieve my payment and will charge me a late fee, I have until the XXXX of each month before my payments are late.When I called bayview loan servicing on XXXX XXXX, 2015 an ask when will they send my XXXX to file my taxes, they said that it will be mailing them out on a saturday XXXX. I waited until the end of XXXX and I still did not recieve a form. I called bayview back and they said oh we sent them out and if it do n't come go online an get a copy on their web site. I went on their web site an could not find it When I called them back and asked about my XXXX, they did'nt want to talk about the form an kept asking me why they have'nt recieve my payment. I called back in XXXX and asked them to send out a XXXX again, an all they wantrd to talk about was my payments being late. All along its seem like l am getting the run around, I 'm still waiting for XXXX.