davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2024, I attempted to increase the minimum payment on my credit card online. Since I first got this XXXX XXXX credit card through Bank of America, I was able to set the monthly amount to be transferred from my bank account. It was always higher than the minimum payment so that I could payoff the card as soon as possible. Bank of America no longer allows the card holder to set their own minimum payment amounts. They will only deduct the minimum payment or the total outstanding balance on the account. 
I have a loan for a specific amount, interest free as long as I pay it off within the agreed upon limit of one year. In order to pay the higher amount, I am not able to change the amount that I want deducted. However, they will take the payment to increase the payment to the amount I want to pay if I call in and pay it over the phone. 
In speaking to the Bank of America agent, I was told that some customer pay the minimum amount while continuing to charge purchases, thus creating a negative balance that is greater than their credit limit. In order to address that issue all customers, even those with an excellent record of paying their bill, are unable to set up automatic deduction plans that would payoff the outstanding balance within the mandated time frame.
Consumer complaint received 2020-10-04
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. (NC)

This COMPLAINT/DISPUTE response to an entry THERE ARE SERIOUS VIOLATION OF THE FDCPA. 1ST FAILURE OF NOTIFICATION. 2ND THREATS AND CONTINUED COLLECTIONS EFFORTS WITHOUT ANY VALIDATION WHATSOEVER. 3RD NO VERIFICATION OF ALLEGED VERIFIED ACCOUNTS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX. I HAVE FILED ALL THE REQUIRES PAPERWORK AND DOCUMENTS AND I HAVE YET TO RECEIVED ANYTHING IN RETURN.
Consumer complaint received 2016-05-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MD)

In XXXX XXXX I was approved for a 3 month trial modification on my mortgage. I completed ed my trial successfully and now my mortgage is 7 months in. Since my monthly payment was 50 % of my current income I had applied for a monthly mortgage reduction in XXXX XXXX and was granted starting on XXXX XXXX. XXXX. When I went to make my XXXX payment online thru there website the option was not available. I was told there site would be down approx. XXXX3 weeks, so they suggested to make the payment by phone. When I called the representative they had the old payment and not the new payment updated. They said they could not find the new notarized modification I mailed backed to them last month. Today I had it scanned and emailed this to them and they still are demanding I make the old monthly payment. I currently have XXXX neighborhood housing in MD trying to help with this but they are not getting anywhere with them. I have made XXXX on time payments and I do not want to go into default. I do n't know if this is a game there playing.
Consumer complaint received 2015-10-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo bank got A direct deposit from XXXX of {$730.00} of XXXX XXXX XXXX XXXX and the bank closed her account and refused to give XXXX XXXX her Money at XXXX of there banks on Thursday XXXX XXXX 2015 as far as we know they still have the Money. XXXX XXXX XXXX XXXX, XXXX -- XXXX -- XXXX
Consumer complaint received 2017-04-26
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: U.S. BANCORP (NJ)

US Bank has incorrectly calculated my excess mileage charge. I have written to them more then 6 times.
They have not fixed it.
They have damaged my credit score.     A full explanation is attached.
Consumer complaint received 2015-07-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Platinum Holdings Group, LLC (CA)

I have been contacted by Premium Assets regarding an account with XXXX. The person contacting me was XXXX XXXX and her supervisor XXXX, this man called my work repeatedly harassed me and screamed at me. I asked him to not call my work and he disregarded me. 
He spoke to my boss about my account. And threaten me about garnishing my wages.
Consumer complaint received 2016-09-21
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK (LA)

This company is still reporting a account on my file after i been notified that i have been a victim of identity theft and that i have all the necessary paperwork filed and police reports to support my claim. I 'm in the process of getting a mortgage and this account is hurting me and it is being listed as bankruptcy. I also have a fraudulent bankruptcy filing that I 'm working with the courts and the government to get that issue rectified. I have been dealing with this issue for years now with all my personal information being stolen such as social security number, address, DOB, phone numbers opened under my name and bank accounts opened under my name. I request this company remove my name and social from this account immediately and mark it as fraud so if i choose to do business with this company in the future this issue wo n't stop me. I have attached my police reports and FTC fraud identity theft affidavit which has a letter from the government showing that my identity was stolen in a cyber hack also.
Consumer complaint received 2015-07-27
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (IL)

My wife and I were looking to refinance our loan and chose to work with a local mortgage broker. We were given the choice on which company our loan would be sold to and decided to look at Chase because our other accounts are there. I called and spoke to a representative about the Chase Mortgage Cash Back program and asked several times if we would qualify if our loan originated with a mortgage broker and was then sold to Chase. I was assured that everything would be fine and we would be eligible. We went ahead with the refinance and our loan was sold to Chase. When I tried to sign up for the Chase Mortgage Cash Back program, I was not able to. After talking to several different representatives, I was told that we do not qualify for the program and there is nothing else that I can do about it even if I was misinformed and mislead. Since we chose to use Chase at a higher rate with the understanding that the program would reduce the cost, we will now have to pay over {$4000.00} over the life of the loan without this resolution.
Consumer complaint received 2016-08-03
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Rent Recovery Solutions (FL)

I get a collection on my credit report for {$81.00} that I do not recognize and what no award of. I never received any communication about this bills and I want this account to be closed and removed from my credit report immediately. I do n't like that anyone can access my credit information and report bills that I do n't even recognize.
Consumer complaint received 2024-02-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Paid mortgage online to Bank Of America on XX/XX/24. Their system had a glitch and withdrew 2 payments in error. When contacting BOA ( XXXX from TX ), he tried to insulate that we paid twice in error and our bank ( XXXX XXXX ) can confirm. I asked him to review our account history and confirm that we have NEVER paid twice. He said to contact our bank to confirm and they will determine who is right. Called XXXX  and they said the same thing as they wouldnt know BOA system had a glitch and said they see their system pulled 1 payment correctly and the 2nd payment is in Pending status and the funds are unable to use. Said this was an unauthorized charge, but XXXX policy is if its over {$500.00}, its gon na be up to 30 days to stop and reissue, but they said to sit back and Wait & See if BOA takes their 2nd payment claim back. Called BOA back and the lady filed a claim for a refund as she said XXXX entered notes saying we made 2 payments in error. She advised itll take up to 10 days to refund back IF they took the payment. This is IMPOSSIBLE to get our money back and will be getting slammed on fees now!
Consumer complaint received 2019-02-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I sent, via certified mail, Equifax a Method of Verification Request for a collections and a closed account, XXXX XXXX XXXX XXXX and XXXX XXXX, respectively. 

Equifax received and signed for the requests on XX/XX/XXXX. By federal law, Equifax has 15 days to provide me with the description of the methods used to verify the accounts. After having not been provided with the requested information, on XX/XX/XXXX I sent Equifax an Intent To Sue letter for violation of the Fair Credit Reporting Act. 

As of the filing of this complaint, Equifax has yet to satisfy my request. I do not wish to file a lawsuit so I am making this last ditch effort in an attempt to get Equifax to comply with the Fair Credit Reporting Act : Provide me with the description used to verify the XXXX XXXX XXXX XXXX and XXXX XXXX accounts, or delete the accounts from my credit profile.
Consumer complaint received 2022-08-09
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: EQUIFAX, INC. (NJ)

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 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 se
ction 2 : It also states a consumer reporting agency can not furnish an 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 1681 s-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. 


XXXX XXXX XXXX- Account number- XXXX
Consumer complaint received 2017-02-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (SC)

In XXXX received a notification that a new collection had be added to my credit report. The collection is from ERC Account # XXXX in the account of {$800.00} with a collection date of XXXX for XXXX. The have added this to all reports XXXX and XXXX ). This collection was previously deleted from my credit report on XX/XX/XXXX because it was not my debt to begin with. Since then this collection has been readded to my credit report a total of 4 times each time being deleted. The are also each time placing it on my report with a new collection date like the collection is new and reporting as late. They keep selling a deleted closed collection that has been deleted since XX/XX/XXXX bus to the statue of limitations.
Consumer complaint received 2015-08-21
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dyck-O'Neal, Inc. (FL)

On XX/XX/XXXX I contacted Dyck-O'Neal in regards to their account # XXXX. In the letter, I explained that the note was a modification of an existing mortgage loan, not a new financial instrument. Further more, I supplied a XXXX clearly showing that the entire balance was charged off and that a Satisfaction of Mortgage was filed on XX/XX/XXXX after the date that Dyck-O'neal states this account was opened. Since my communication to Dyck-O'neal, no satisfactory explanation of how their account is a valid debt has been provided to me. Communication from them has been sporadic at best, with no communication during recent periods of a year or more. Recently, I disputed this account with XXXX credit reporting agencies since Dyck-O'neal decided to start reporting this account as late. The disputes resulted in still no details of why this debt is valid. 

In a nutshell, this debt was 100 % charged off by XXXX XXXX during a Deed-in-lieu of foreclosure and Dyck-O'neal has no right to attempt to collect on this.
Consumer complaint received 2020-08-29
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. (ID)

I have submitted letters in writing, over the internet and through apps to have inaccurate and false information removed from my records. Some have been removed, others have failed to reply, some information is still showing despite being proven invalid.
Consumer complaint received 2021-01-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (FL)

Escrow issues with the Money Source mortgage. 

XXXX county taxes were due XX/XX/2020. Called in Mid XXXX to ensure they have the plan to pay before XX/XX/XXXX. There was a county tax disbursement on XX/XX/XXXX. County did not get the payment. Followed up multiple times with The Money Source, and finally they made another disbursement on XX/XX/XXXX for the same amount. Eventually County records got updated by XX/XX/XXXX, but my Mortgage balance was showing {$4700.00} as escrow advance as the tax amount was deducted 2 times. I was going through a refinance and was getting an incorrect payoff amount from the money source. After multiple followup, they still do not have the double disbursement settled and my refinance ended up with a higher loan amount. My monthly payment is higher by XXXX $ due to this and overall i will end up paying XXXX $ in interest plus the tax amount {$4700.00} overall loss to me not to mention the emotional turmoil of endless calls and the refinance stress.
Consumer complaint received 2023-03-30
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. (OH)

I filed a dispute with Experian for a bankruptcy that was reported on my credit report and was notified by Experian that this dispute was received and opened on XX/XX/2023. There were also 2 additional disputes that were opened for accounts that were listed as included in this bankruptcy which was XXXX XXXX XXXX acct # XXXX and XXXX XXXX XXXX. 

The bankruptcy was removed from my report on XX/XX/2023 and the credit acceptance account was removed as well. The possible finance account should have been removed as well as the credit acceptance account. 

If the account is showing that it was included in bankruptcy and the bankruptcy has been removed then this account is reporting inaccurately, and illegally and needs to be removed immediately. 

I demand that this account be removed from my credit report immediately due to was reporting in bankruptcy and the bankruptcy was removed.
Consumer complaint received 2016-09-17
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc. (NH)

On XX/XX/2015, I went to XXXX in order to get a loan to re-finance my car loan with GM Financial. I was assisted by member representative, XXXX XXXX, who contacted GM Financial and obtained a loan pay off amount of {$13000.00} for my Loan # XXXX. GM Financial said that the payoff was valid up to XX/XX/2015. On XX/XX/2015, XXXX send a Treasurer 's Check in that amount to GM Financial and also requested that the title of the vehicle be mailed to them immediately ( see attached ). 
On XX/XX/2015, I received a statement from GM Financial showing a {$0.00} amount due ( see attached ). 
On or about XX/XX/2015, I received a payment reminder email from GM Financial. I reply back indicating that my account was paid off XX/XX/XXXX and I also asked whether I 'd received this email in error, but I received no response ( see attached ). 
XX/XX/2015, I received a phone call from XXXX asking whether GM Financial had mailed the car title directly to me. I contacted GM Financial and they told me they had not because they were waiting for the full payment on the car. I contacted XXXX again who confirmed that they had paid off the car ( see attached ). 
I visited a XXXX branch on XX/XX/XXXX and was assisted with the assistant branch manager, XXXX XXXX ( see attached ), who contacted GM Financial herself. It was only at this time that we learned that the original payoff XX/XX/2015 was in correct and that there was still a balance of {$330.00} due on the account. 
When this became known to me, I immediately made the payment to GM Financial ; and the company sent me a satisfied pay off letter on XX/XX/2015 ( see attached ). 
I was surprised to learn though that although I had paid off the account in full on XX/XX/2015, GM reported this as being 30 days late ( see attached ). 
As a result of this delinquent reporting, my credit score has dropped significantly and I have been unable to obtain credit from any financial institutions.
Consumer complaint received 2015-06-04
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CHECK INTO CASH INC. (CO)

Over the five years since my bankruptcy, this debt collection company has called my place of employment telling co-workers and bosses that may wages will be garnished, and i will be served. I provide them with my lawyers name and number, but they never call. 

Today they called and left a message on the main number stating " this is XXXX XXXX and there has been a complaint filed against you. Please you or your attorney contact the age at XXXX. '' When I called they said a judgement was granted against me and they were going to garnish my wages now that they were able to verify my employment.
Consumer complaint received 2016-05-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

Since several month ago Rushmore Loan Management Services ( RLMS ), Collection department, is sending me monthly letters, dated the XXXX day of the month, saying that I did not pay my monthly payment. Accord the NOTE I have until the day XXXX of each month to do my monthly payment, and they also put at the monthly billing statement of XXXX, XXXX ( attached copy ) that I did not pay them and I did it. I always send my payment the XXXX day of each month, so they receive the payment in 3-5 days. This is happening since they cut the Monthly billing Statement on the day XXXX of each month, and it showed as I did not pay them, and I did it, so my monthly billing statements should show the payment I done : my concern is that if the payment is not reflected in the Statement, means they can put me in foreclosure eventually. I really did not wish to be in that position since is very stressful, and I did not like it because I am paying them every month according with the NOTE. 
Also they put a clause that mentioned that {$73000.00} as a deferred balance that I suppose to pay at the end of the loan, that also worry me since I am a XXXX, and in XXXX years I should pay them a balloon payment of {$73000.00} at the end of the loan ; for me is a treat to lose my home after several decades of paying it. They also mentioned al the addendum that I have 2 years to refinance my home, and that if I do " probably '' they will eliminate the {$73000.00}. I visited several companies in the refinance marketing, and after they review the documents done for RLMS and they told me that they can not refinance my loan, and that the only one who can do it is RLMS. I sent a letter to them asking for the refinance process.RLMS received {$25000.00} in XXXX and then $ XXXX XXXX, from Keep Your Home CA with the porpoise of maintain the families in their home, and stabilizing the house market, means the government did it their part and effort, I am paying them every month, so I am expecting them doing their part also : refinance the loan and eliminate the {$73.00}, XXXX described at the Loan Modification agreement paragraph XXXX, page XXXX and paragraph XXXX page XXXX, page XXXX Balloon Addendum ( attached ).
Consumer complaint received 2019-02-25
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My credit reports state I have a Serious Delinquency on my XXXX Mortgage. XXXX is reporting that was 120 days late and that is incorrect. I was in a disaster area ( Hurricane Harvey XX/XX/XXXX ) and on a mortgage forbearance program sponsored by XXXX From XX/XX/XXXX until XX/XX/XXXX - no mortgage payments were required. In XX/XX/XXXX, I entered into a loan modification program where I made trial payments from XXXX through XXXX. My loan was modified and I started making payments according to the new schedule. At no time was I considered late. In XXXX of XXXX, my credit report was impacted by XXXX reporting that I had a late payment history with the worst payment being over 120 day late. I disputed this with the credit reporting agencies several times. I called XXXX in XXXX and they said that although no payments were required during the forbearance period, none were received (???? ). Basically saying that even though you weren't required to make a payment, you are technically late because a payment was not received. I received a letter from XXXX in XX/XX/XXXX stating that my account has been reported correctly to the agencies. After continued disputes I called XXXX in XXXX and spoke with the Credit Reporting Department. They agreed with me that I should not have been marked late and that the reporting was done in error. However, they have not guaranteed that this will be corrected. 
This false and inaccurate reporting has had a serious impacted the credit scores for my wife and I for over a year ; dropping our scores below 600 and denying us access to loans and competitive interest rates.