davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-13
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank of America issued me a new credit card because my account number was compromised in a data breach. I received the new card and began using it around XX/XX/XXXX, authorizing payments from my checking account on time through the online bill pay feature on Bank of America 's website. In XX/XX/XXXX ( several months after I received the new card ) I went to the Bank of America website and authorized automatic payments from the same checking account for the full amount of each credit card bill since I was going to be traveling and did not want to miss a payment. For some reason Bank of America did not withdraw the funds to pay the bill in XX/XX/XXXX and XX/XX/XXXX as it should have with the automatic payment setup. Instead, Bank of American reported to the credit bureaus that I was overdue on on my payment, reduced the line of credit on the card significantly, and closed a separate credit card account. Upon later speaking to a Bank of America representative, it became clear that the bank had not updated its online bill pay system with the new card number that it had issued to me several months earlier. Apparently, because Bank of America associated the account with the inactive card number, it withdrew {$0.00} each month even though I had used the card. As of XX/XX/XXXX, the Bank of America bill pay system still reflected the old card number ( a screenshot of the bill pay website showing the old card number associated with the account is attached to this complaint ) even though it was inactive and the new card was active and being used. As a result of Bank of America 's error in not updating its online bill pay system to associate my account with the new card that it had issued to me because of a data breach, it reported that my card was not paid on time to the credit bureaus. Upon learning that the card was not paid via the automatic payment, I immediately made payment over the phone from my checking account. In acknowledging the error on its part, Bank of America refunded the interest charge it had put on the account. Unfortunately, Bank of America refuses to remove the derogatory credit marks on my credit report.
Consumer complaint received 2016-05-05
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL (CA)

Care Credit, which is owned by Synchrony bank, issued credit for dental some work performed on my daughter. It was a promotional no interest for 18 months. I have been paying on time with automatic payments and was not properly notified the no interest was coming to an end. No emails or phone calls. Now they have charged me 27 % interest on everything. I called them and offered to pay the remaining balance because the no interest ended only on XXXX/XXXX/2016 and today is XXXX/XXXX/2016 but they refused and still want to charged me the 27 %. This is extremely overboard. What can i do about this?
Consumer complaint received 2016-04-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LD Holdings Group, LLC (FL)

Mortgage abruptly changed to a new Servicer ( from Imortgage to XXXX Mortgage ). My payments are automatically sent every XXXX via my bank. With the late notice, I did not have time to change the payment to the new servicing company. I called the previous company ( Imortgage ) -- to explain and request the payment be transferred to the new Servicer XXXX XXXX XXXX. Problem is Imortgage is no longer taking live calls pertaining to my account. I just get an automated message telling me they are no longer servicing my loan. Then the call disconnects. What can I do? I recently received a statement from the new Servicer XXXX XXXX XXXX telling me that my loan payment is late. When I called them to explain, and complain that they did not give customers enough notice, they did not seem to care. They told me to call Immortgage to 'figure it out '. Well, clearly Imortgage doesn '' t want to be bothered either. The XXXX rep I spoke to claimed to have made notes on my account ... but really not sure about that. Should I call my bank and stop payment? Or do I just wait and hope it gets worked out? I am SO frustrated, and really could use the advice. Thank you!
Consumer complaint received 2016-07-26
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (NY)

Issue Unable to get my credit report or credit score : Problem getting my report or credit score Describe what happened so we can understand the issue ... 
I signed up to Credit Check Total about 2 years ago and have been paying monthly due for the services of getting my credit reports and scores, last time i retrieved my report was on XXXX XXXX 2016 and when i tried getting my report today, i was unable to log in and it asked me to call which i did, and the rep asked me some security questions and then informed me that the date of birth they have on record does not match with what i told her now, and she said not to worry and we can get this corrected on her end and she put me through multiple questions which i needed to pick XXXX or say none of the above, when this was done she said let me put you on a brief hold and came back after a minute stating that unfortunately the information i gave them does not match and they best they can do would be for me to wait 31 days and then they can update the system, this is not the first time i hear this XXXX from this company, I had same issue with my wife 's account and my brother had this issue as well, the red flag here is that if i was able to obtain my credit reports time and time over for about a year+ after successfully enrolling in their program by providing all my info, how come that now all of a sudden the system has my wrong date of birth, was their system hacked? is it really that easy to get into their database and mess with people 's identity? or was it that easy to sign up to begin and they dont verify date of birth but release credit reports? 
This needs an in-depth investigation, this is not why we consumers pay hefty monthly fees to deal with companies who are not competent Thank you
Consumer complaint received 2016-06-27
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE (VA)

Cancelled XXXX card ( Barclay Card ) Noticed 2 months later - charge / late notice Charge was made 6 weeks after account closure Charge was fraudulent - and somehow processed by Barclay Card AFTER the account was closed! ) Called each month - Fraud department confirmed charge fraudulent - yet charge/fees still in collections
Consumer complaint received 2022-02-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: IQOR US INC (TN)

This is XXXX XXXX and I am submitting this complaint myself.

Allied Interstate LLC is a debt collector and is trying to collect {$120.00} from me.

I do not have a contract with Allied Interstate LLC.

I do not know how Allied Interstate LLC obtained my location information to send anything relating to an alleged debt.

This is a violation of my consumer rights and want this matter to be looked into further please.
Consumer complaint received 2016-05-06
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XXXX XXXX, 2016 I recieved a notification from Bank of America that my checking account balance had dropped to {$25.00}. The following day ( XXXX XXXX ) I found that my bank charged me a {$12.00} overdraft protection fee whereupon they transferred roughly {$34.00} from my savings account over to my checking account, and tacked on a {$12.00} fee for this action. My checking account did not drop to a balance of {$0.00}, nor did Bank of America notify me of any additional charges that would cause my account to drop further below {$25.00}. Today, I contacted my bank and reqeusted that they refund the {$12.00} fee as my checking account did not drop to {$0.00} and did not require a transfer. The {$25.00} balance in my account was sufficient. I was informed by XXXX XXXX XXXX, Bank of America representative, that she was unable to refund the {$12.00} overdraft fee. I asked her to transfer me to a manager and I waited on the line and no manager was found. After spending a duration of XXXX minutes to resolve this issue without any resolution, I reqeusted that a manager from Bank of America call me back. No one from Bank of America has called me back and I have not recieved a resolution. I would like the {$12.00} fee that Bank of America charged me to be returned to my account. 

Thank you
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2015-05-08
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I made a mobile CHECK DEPOSIT on Saturday, XXXX XXXX, 2015 & my bank released {$200.00} the following business day. However, the remaining funds are supposed to be available on the 5th business day which would be XXXX XXXX, 2015 and still a hold is on the funds in my account. I contacted my bank and asked them to release the hold and they said the hold will not be released until XXXX XXXX, 2015. The check I had mobile deposited actually cleared on XXXX XXXX, 2015 ... ... .it is now XXXX XXXX, 2015 and they will not release the hold until Monday, XXXX XXXX, 2015. I even asked if they could release {$200.00} for the XXXX weekend and still I received no help in resolving my issue/problem. This is the third time this has happened regarding a mobile deposit. XXXX out of XXXX I was able to get a supervisor to release the hold so I know that they are able to do this and its not like I am being dishonest here. I will attach a copy of the cleared check as well. My employer gave me a copy of the check clearing on XXXX XXXX, 2015.
Consumer complaint received 2017-01-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Diversified Consultants, Inc. (TX)

I was a victim of identity theft and noticed a collection from DIVERSIFIED CONSULTANT I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against DIVERSIFIED CONSULTANT in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
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: EQUIFAX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 2015-11-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

I have contacted Capital One Auto Finance, several times since XX/XX/XXXX, as well as contacting the credit agencies to inform them that there are duplicate credit inquiries on my credit report. I have asked both to remove the duplicate entry. It was reported on my credit report as of XX/XX/XXXX. All I am asking is for the duplication to be removed ; however, the lending agency has ignored my previous requests.
Consumer complaint received 2015-07-10
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have been making {$1300.00} payments on my loan for over a year now. my monthly payment is {$610.00} the additional money is supposed to be applied to the principal balance. This month they have changed that and they are making my payment for 2 months and are leaving {$66.00} in a partial payment acct. Now they are saying I do n't have a payment due till XXXX. This creative application of my payment is costing me double interest. if my payment was applied as it normally is my balance right now would be {$43000.00} with my next payment being due on XXXX XXXX instead my balance is XXXX XXXX a partial payment of {$66.00} and my next payment being due on XXXX XXXX. This is a {$440.00} in the banks favor, and if it continues it will be adding months of payments to the back of my loan.
Consumer complaint received 2022-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Transunion is in violation of 15 USC 1681b, permissible purpose of consumer reports. I did not give written instructions for these items to be reported to my consumer reports. Also, a fraudulent account was opened in my name with XXXX XXXX XXXX and it can not be verified as valid or my obligation.
Consumer complaint received 2015-08-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (OH)

Latest issue is not the first timetime. PHH mortgage reports severely late payments to the credit bureau when they were paid on time. When I call they claim no record of late payments on their end. They state they will correct the situation but do nothing. PHH mortgage has also XXXX some yrs ago modified my loan after I get hurt at work, accept the modified amt over a year XXXX times, then claim it was temporary, but because their system was behind, I would have to pay over XXXX to get acct current, and is adding it onto the loan. They have even reported that I was in foreclosure back in 2010, when I was not even behind on payments, causing a very high interest vehicle loan, they denied reporting that also, so the have ruined my credit, and are getting XXXX XXXX more for my house note. They have kept me from getting a loan, from inaccurate reports to credit bureau, cost me a high interest vehicle loan that I just paid off, and ruined my credit. Please help me! I will mail copies of many documents for proof!
Consumer complaint received 2016-05-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: The CBE Group, Inc. (NY)

As you will see on the attached documentation, I have requested on 3 occasions the documentation to verify the accuracy of the debt that they are requesting me to pay for. The services were cancelled as of XXXX/XXXX/16. However, the statement received has billing showing XX/XX/2016.-XX/XX/2016. It does not state anything but a prior balance and a statement balance. Requesting to verify a debt means that the debt must be verified with accurate backup details, providing statements is not providing satisfactory documentation. I have escalated this issue to the parent organization, as well as the attorney generals office due to the neglectful actions and response received from the CBE Group thus far.
Consumer complaint received 2016-08-20
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Complaint Against Bank of America There were fraudulent charges of a little over {$1200.00} on my debit card. Received temporary credit. Then the credit was reversed, ostensibly because Bank of America 's Faud office stated this was not fraud. 
The withdrawals occurred in quick succession, at an unknown location far from us, while the card was in our possession. 
The withdrawals do not fit any previous pattern ( evidenced by bank statements for the past 2 years ) of withdrawal and no withdrawal has ever been made at those locations.
Consumer complaint received 2017-02-01
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I applied for and was approved for XXXX credit cards with usaa on the same day, XXXX Visa and XXXX XXXX. Usaa opened a second Visa account without my approval the very next day. I did not apply for this card and usaa has no record of the application. When I brought it to their attention they seemed to push me into just keeping the account which seemed odd. After I made it clear I did n't want the card they pushed closing the card. I was explicitly clear that I did not want the account closed because it would hurt my credit report. I wanted them to get rid of the card without it hurting me. Fast forward and they flagged the account for fraud and close it without my consent. Their was no fraud, they know it was n't fraud, and I believe they either made a mistake in opening the account or they purposely opened a new account without my consent. Me, I 've been saying all along that this feels very XXXX XXXX. Now I 'm locked out online for at least 48 hours. At least. With usaa that is a big deal because there are no physical branches. I need a resolution to this because I 'm the XXXX hurting for there actions.
Consumer complaint received 2015-05-02
Product: Credit card — 
Issue: Advertising and marketing — 
Company: DISCOVER BANK (AR)

I opened a Discover credit card. Note that Discover has been running NUMEROUS adds touting that it has a XXXX time late payment forgiveness feature. My credit limit with Discover was {$1900.00}, I had used approximately {$1000.00} of my available credit. I was 5 days late with my payment in XXXX 2015, and although Discover waived a late fee ... .they then lowered my credit limit from {$1900.00} to the outstanding balance at that time which was approximately {$1000.00}. 
As a result, due to the actions of Discover card, worse than merely charging me a {$30.00} late fee, they cut my spending power in half, thereby knowingly and intentionally reducing my credit score by falsely and fraudulently manipulating my available credit to balance ratio as well as violating their advertised late payment forgiveness. 
The multiple advertisements on national television stated that there was NO PENALTY, not that Discover would, without any recourse, knowingly and intentionally manipulate your credit score was never revealed. I believe it is a false and deceptive practice, not only to penalize someone for making a late payment when you are specifically touting your no penalty policy, but to nefariously manipulate credit scores and penalize me nearly {$900.00} is malicious and intolerable.
Consumer complaint received 2017-02-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

Re : Cheat on interest calculation I paid down my mortgage principal XXXX/XXXX/17 and they continue to charge me the same interest amount from XXXX to XXXX without the deduction of XXXX. I called them and find out they do this for all their customers and they did this for years. This practice needs to be corrected.
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. (VA)

in accordance with the fair credit reporting act XXXX account numbers XXXX and XXXX XXXX has violated my rights. 15 u.s.c 1681 section 602 A. states i have the right to privacy. 15 u.s.c 1681 section 604 A section 2. states a consumer reporting agency can not furnish a account without my written instructions This company states that accounts are not on my file but i check i see them there, so i need it removed asap
Consumer complaint received 2020-09-10
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: Experian Information Solutions Inc. (FL)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of  the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2017-02-16
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I applied the wiretransfer by XXXX from US to another proper account in XXXX, but the destination bank refuse to accept the transfer because I did just state my first name ony but not first and second name. 
I was trying to call the wiretransfer of the bank and also the branch I have the account but just long time waiting. I had tried so many times but just waiting on the commuter. 
Now I am traveling in another country so I can not go to the branch personally. 
The amount is already debt in my origin acc but I cant receive it by the destination bank. 
I need to amend the beneficiarys name or ask to refund the amount to my acc. asap.
Consumer complaint received 2015-05-30
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

I was told that this old account was re-aged and sold to Portfolio Recovery. I contacted Portfolio Recovery and worked aggressively to pay this off within months by making doubled payments and large debit amounts as agreed by payment plan with myself and Portfolio Recovery. I made the final payment before the plan was up because the rep and Account Manager told me the file would be closed and removed from my credit files. I have never received correspondence from them as paid in full or it removed from my credit files. I have sent them numerous goodwill letters and they have never responded. I would have never paid them in full and before the payment plan was up if they never agreed to remove this from my credit files.