davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America signed me up for their Forbearance program even though I made monthly payments every month. I'm in the process of selling my home and working with a builder to have another home built and learned that while Bank of America was receiving my monthly payments they were noting received, applying payment and from there unapplied the funds. My credit report normally indicates " ok '' when payments are received within the 30 day window but recently started showing " unknown ''. I believe Bank of America is engaging in deceptive business practices and taking advantage of government " Co-vid '' aid all the while hurting the average consumer. I have all the required documentations to support where payments were submitted monthly, each and every month. In addition, I have reached out to Bank of America to try and resolve this and keep getting the " run around ''.
Consumer complaint received 2018-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

XXXX XXXX Credit card provided by Bank of America. 
I was charged a {$75.00} annual fee which I was not aware of until a month after it was assigned, as I had not used the card until this point. BoA had assessed an additional {$25.00} fee. I called customer service and spoke with a rep on XXXX. The rep assured me that they would remove the {$25.00} fee and the {$75.00} fee, then close the acct. Last week, I received notification that my account was past due and owed $ 75+. I called the customer service line. The first person said " no problem '' and cold transferred me to collections where the operator claimed that the {$75.00} dollar fee wasn't the annual fee but something else, and that interest charges were separate. Then tried to point to the amount due as from a purchase. I asked to speak with a supervisor. I was transferred to XXXX XXXX, Manager of Escalations with Bank of America. He was condescending and attempted to double speak his way through the conversation by correcting my word use re-branding his employees mistake by telling me that I was " misinformed. '' At no point did he deny that his employee had told me that the fee would be removed and that my account would be XXXX balanced. He told me that his employee had provided " mistaken '' information and that he was " sorry that I was misinformed. '' He stated that the annual fee was a " rule '' and could not be refunded, and that it would " destroy my credit. '' I informed him that his employee told me that the fee would be removed and the account closed. Now, BoA is insisting that I have to pay them {$78.00} ( {$75.00} XXXX ) or they will damage my credit. I informed him that this is extortion, which he shifted the blame onto me and said that the annual fee is non-refundable and the late fees have to be paid to bring the account current. I paid the fees rather than take the hit on my credit score. I monitor my score closely. It is in the high XXXX. I own a home and have purchased vehicles through financing. I am capable of meeting my financial needs and am not upset about the money. I am upset about the predatory and punitive assignment of fees, followed by extortion of further funds in order to close the acct
Consumer complaint received 2018-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

In XX/XX/XXXX, I made an accelerated principle payment on my mortgage (then serviced by XXXX) in the amount of $XXXX (proof attached in XX/XX/XXXX letter).  In XX/XX/XXXX, I made another accelerated principle payment on my mortgage (then serviced by XXXX) in the amount of $XXXX  (proof attached in XX/XX/XXXX letter). Total of accelerated payments = $XXXX.  SPS (Select Portfolio Servicing, Inc.) is my current loan service provider.  In the past year, I've tried multiple times via phone calls to SPS Customer Service to evaluate how these accelerated payments will affect my ultimate payoff date (not maturity date).  SPS not once acknowledged that these accelerated payments had been made, gave me no guidance, and simply stated that the maturity date remains XX/XX/XXXX.  Therefore, I wrote a formal letter on XX/XX/XXXX (attached) of this year asking for assistance with my situation.  SPS wrote back on XX/XX/XXXX (attached) saying in part, that they could not give an "exact" payoff date due to the Adjustable Rate on my loan.  Please note, I did not ask SPS for an exact date in my XX/XX/XXXX correspondence.  On XX/XX/XXXX, I again responded (attached) asking SPS to acknowledge the accelerated payments and account for them, as well.  In addition, I requested assistance in estimating a reasonable payoff date.  On XX/XX/XXXX and XX/XX/XXXX, SPS responded (attached) in part, saying that they had already addressed my issues and considered the matter closed.
Consumer complaint received 2018-10-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

Opened the platinum checking account on XXXX in branch. The banker assured me that once the requirement completed. I will receive the {$400.00} bonus. 
Received a direct deposit of $ XXXX within 60 days of account opening. Already contacted the customer service. The {$400.00} bonus has not been posted yet.
Consumer complaint received 2022-11-07
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. (PA)

According to my consumer report I received dated XX/XX/2022 and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or XX/XX/XXXX such authority.
Consumer complaint received 2021-11-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (UT)

My bank BBVA was recently bought out by PNC bank. I could not gain access to my money in the PNC system as I don't live near a branch and was not sent a debit card or account information in the mail. 

-I called PNC bank to cancel the account and was told that I had to remove my money from my account first. 

-They sent me my money in cashiers checks. 

- I then called PNC bank, spoke to a human who told me the account would be closed. 

- I was then notified that my accound had not ben closed and had been overdrawn. 

- I called them back, payed the ammount I owed and told them a second time to close my account. It has still not been closed. 

I Just called them again and the same problem persists. They transfer you from agent to agent, I've spent hours on the phone and cant close my account. Its criminal.
Consumer complaint received 2020-01-25
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (IL)

This company which I hold no contract with nor have received services from reported a collection account against my SSN in the amount of {$1300.00} with XXXX  XXXX  & XXXX  credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof. I am not obligated to pay for the alleged debt.
Consumer complaint received 2019-09-28
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. (FL)

I have filed numerous complaints to Experian to delete information that is not mine. These accounts have been opened without my consent. i have never opened any accounts with 1. ( XXXX XXXX XXXX XXXX ) 2. ( XXXX XXXX XXXX XXXX ) 3. ( XXXX BANK XXXX ) 4. ( XXXX XXXX XXXX XXXX ) They have no record of me opening anything with these companies but keep saying it was verified but i did not open those accounts. My information was stolen and they refuse to delete these accounts off of my report. That is very illegal. This bureau wants to keep incorrect information on my report because they make money from from punishing bad things on my record
Consumer complaint received 2018-02-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICAN HONDA FINANCE CORP (DC)

This problem began when I paid off my car loan and needed to receive my title in an expedited manner.

There are too many problems to address in one complaint about the difficulties I have faced with multiple Honda Financial Services agents to list it all out in this complaint.

It can be summed up with the fact that over the course of more than a week, Honda Financial Services has led me to believe I could receive the title by a specific date with certainty going as far as instructing me to set up a XXXX account to receive the title in time. However, in each instance of their instruction, the agents turned out to be wrong and I am only given repeated excuses by agents and their manager. 

I have XXXX  from the XXXX XXXX XXXX to depart for an XXXX XXXX  on XX/XX/XXXX, almost 3 weeks after having begun this process to get my title. Honda Financial Services ' failure to properly handle my request has made it so that I may not be able to sell my car prior to my departure date. I have no idea where my title is and I needed the title this week. The XXXX   DMV ( whom Honda Financial Services mistakenly told me could help once I had a lien ) made it clear there was nothing they could do, that Honda had given me false information, and that my only option is to wait it out for Honda Financial Services. 

I have had to spend numerous hours already on the phone over 7 days trying to get this issue resolved. These are hours lost of productivity in my job and time that I should have been using to prepare for my upcoming assignment.
Consumer complaint received 2024-05-23
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: First Financial Resources, Inc. (MA)

I received a voicemail from a debt collector. I called back because I have no debt and they told me they were calling about someone else 's debt. The representative 's name was " XXXX '', and she said the person with the debt was probably my mother or sister ( it was not ) and asked me to contact them. I explained there is no one in my household by that name and asked where they got my number. This is completely inappropriate and a violation of that person 's privacy. The rep hung up on me. I called back and asked again what the purpose of calling me was and how they got my number, and she hung up on me again.
Consumer complaint received 2020-10-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CT)

XXXX  XXXX XXXX sold my mortgage to Specialized Loan Servicing without my consent with this company or other choices. I deferred my yearly taxes to the town, and Specialized has been insisting on adding escrow on my account, ,I sent in documentation showing the taxes have been deferred, but Specialized is still adding escrow to my account., and is now saying that I am past due plus stating my credit could be in jeopardy.. 

I have timely paid every month on this 4.2 % mortgage, but can not get them to understand that their charges for escrow is unwarranted. 

I feel like I am being harassed by this company, and betrayed by XXXX  XXXX XXXX. 

Most Sincerely
Consumer complaint received 2020-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (SC)

On XX/XX/XXXX I referred a friend from my American Express gold card, there was a promotion for 3x additional points on all spend for 3 months when you refer a friend and they are approved by XX/XX/XXXX. I referred a friend and they were approved on XX/XX/XXXX. 

I have either messaged or called every day to confirm the promotion was active and nobody knows what Im talking about. It is prominently displayed on their website. 

They told me they would investigate but it would take 6-8 weeks. The promotional period would almost be over by then, so that is not acceptable.
Consumer complaint received 2022-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (NJ)

I am using wells Fargo credit card, and setup automatic payment for every month ( statement balance ). past 2 months payment not went through reason email from XXXX ( schduled payment higher than actual payment ) nothing wrong on my side but wells fargo charged me interest & late fee etc., agent not ready to help me
Consumer complaint received 2022-03-30
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

Hello my name is XXXX XXXX I have made a complaint regarding my insurance back in XXXX I got a response back telling me that my insurance is canceled but I see now in my statement it shows its already paid but its not so I called my insurance to check if its paid and they told me that my insurance is apparently cancel but in my statement it apparently shows me that they made the payment on XX/XX/XXXX and now they returned my payment on XX/XX/XXXX but it has never been paid because I called my insurance and they inform that they never sent the payment to them also in my escrow disbursement history shows that they put {$2800.00} in my escrow disbursement history but it doesnt exist but in my statement they are adding my {$2800.00} to my loan so now I dont have enough money to pay any insurance because they are adding my money the {$2800.00} to my loan
Consumer complaint received 2019-11-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

My FICO score dropped by 29 point and the credit bureau can not give me specific information as to why and will not let me know what calculations they used to determine my score. My score also dropped and keeps dropping with XXXX and XXXXI used the score simulator offered by experian and paid down my card, paid off my auto loan and a few of my creditors actually increased my credit limits but my score still dropped. The credit reporting agencies keep giving me the run around and can not explain or show any real proof as to why me score dropped. Please help me get " factual data '' as to why my score dropped when i am doing the right thing. I need someone to help us consumers whose lives are being ruined by these credit bureaus w/o any explanation. I disputed anything that was potentially incorrect or negative on my reports but " There is no option to dispute my actual credit score or changes to my credit score '' with any of the major credit bureaus. 
I believe the credit bureaus are intentionally lowering scores to " force '' individuals to take out consolidation loans or open new accounts thinking it will increase their credit while the credit bureaus are getting some form of kickbacks. I get emails/ alerts everyday to open new account or sign up for services such as experian Boost and believe I am being penalized for not taking the action they want.
Consumer complaint received 2020-01-25
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX  CONTINUES TO ALLOW XXXX XXXX XXXX XXXX FORMALLY XXXX XXXX TO ILLEGALLY AND INACCURATELY REPORT FALSE INFORMATION THAT IS SEVERELY DAMAGING MY CREDIT AND BUSINESS. XXXX  XXXX  CONTINUES TO REPORT FALSE OPEN DATES, AND CHARGE OFF DATES IN ORDER TO CIRCUMVENT THE STATUTE OF LIMITATIONS. THEY RECENTLY UPDATED MY CREDIT FILE TO STATE THAT THE ACCOUNT WAS CHARGED OFF ON XXXX XXXX WHICH IS 7 YEARS PAST THE ORIGINAL DATE. XXXX REFUSES TO MAKE THE CORRECTION AND HAVE BEEN XXXX AND CONDESCENDING TOWARDS ME WHEN I ASK FOR EXPLANATION. 



XXXX STATES THE ANY INACCURATELY REPORTING IS GROUNDS FOR IMMEDIATE DELETION. A REPRESENTATIVE OF XXXX  WAS ON A CONFERENCE CALL WHEN XXXX XXXX WHO IS THE COLLECTIONS MANAGER AT XXXX XXXX ADMITTED TO REPORTING FALSE INFORMATION YET XXXX  DID NOTHING ABOUG IT
Consumer complaint received 2019-09-28
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. (WV)

My I have several address that do not belong to me on my credit report, I do not live at these addresses please delete them from my file they are not accurate : XXXX XXXX XXXX XXXX, XXXX, WV XXXX XXXX XXXX, XXXX, WV XXXX XXXX XXXX XXXX, XXXX, WV XXXX XXXX XXXX, XXXX, WV XXXX XXXX XXXX XXXX, XXXX, WV XXXX This is my 609,623 FCRA dispute Pursuant of U.C.C. - ARTICLE 3 -3-501 ( b ) 2 ( 1 ), I am entitled to demand presentation of the negotiable instrument. That demand is hereby ordered. I demand that you present for my visual inspection MY ORIGINAL WET INK SIGNATURE PROMISSORY NOTE and allonge in XXXX county. This is required to establish your right of enforcement as Holder in Due Course via a chain of assignment as evidenced by the Note or Allonge. Claiming to be the the holder in due course as a statement is insufficient proof of status and is/will be rejected. A photocopy of the documents is insufficient proof as it does not answer the question of who CURRENTLY is the rightful and lawful holder in Due Course. 
Please delete the following accounts : XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX
Consumer complaint received 2020-10-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I XXXX XXXX hereby attaches a copy of a collection letter I received from Portfolio Recovery Associates. I will agree in lieu of filing any protest against the collection to pay a reasonable settlement immediately, as long as it's in the area of {$350.00}. I will need this letter of settlement sent to my email address, and a contact number to call in the settlement amount, or an address where to mail it by XXXX XXXX. Thank you for the opportunity to negotiate this matter. XXXX XXXX
Consumer complaint received 2021-06-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

While trying to extend my forbearance on my loan with Fifth Third Bank, which I have had a 12 month, and a 3 month extension for a total of 15 months, I was told that there were no extensions beyond the 15 months. I have researched the CARES Act, and the allowance of 2 extensions, or a total of 18 months. Are they not aware of the laws put in place to support those affected by the COVID-19 pandemic?
Consumer complaint received 2018-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I submitted complaints to have items that I did not authorize removed from my credit profile and I didn't get any response to my letters. This is against the law and I demand these negative items be removed because they are keeping me from obtaining new credit.
Consumer complaint received 2023-02-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: HYUNDAI CAPITAL AMERICA (GA)

I HAVE REACHED OUT TO THE DEALERSHIP ABOUT THIS ISSUE.I JUST FOUND OUT THAT I AM BEING CHARGED A PER DIEM RATE IN THE AMOUNT OF 9.22 % IN ADDITION TO THE 8.25 % APR. ALSO I ASKED FOR AN EARLY PAYOUT QUOTE. THE QUOTE WAS FOR THE TOTAL DUE AS IF IT WAS FOR THE FULL TERM. WHICH INCLUDES INTEREST RATE. I MADE AN EFFORT TO SPEAK WITH THEM TODAY AND THEY REFUSED TO SPEAK TO ME BECAUSE I AM ONE DAY LATE MAKING MY MONTHLY PAYMENT. 

A PAYOUT QUOTE SHOULD NOT BE THE SAME AMOUNT FOR 75 MONTHS IF I HAVE ONLY HAD THE CAR SINCE XX/XX/2022.
Consumer complaint received 2022-01-12
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. (VA)

I the natural person XXXX XXXX have been effected by the false reporting on my consumer report. I've already disputed these accounts ( XXXX XXXX XXXX XXXX XXXX - DATE OPEND : XX/XX/XXXX ) ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX - DATE OPENED : XX/XX/XXXX ) for fraudulent and unauthorized charges. Experian did an " investigation '' and concluded that the charges were authorized, but failed to provide and/or request a " burden of proof '' which is required by FEDERAL LAW in [ U.S.C 1643 section ( b ) ]
Consumer complaint received 2021-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

We have attempted to contact the bureaus regarding my previous addresses and erroneous names. I currently have reporting through XXXX my name under Also Known as : XXXX XXXX XXXX XXXX which is erroneous. They are also reporting XXXX XXXX XXXX, XXXX FL XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX that needs to be removed. XXXX is reporting erroneous previous addresses under XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2018. As for XXXX, they are reporting erroneous addresses under, XXXX XXXX XXXX, XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX
Consumer complaint received 2021-06-07
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: LEXISNEXIS (MS)

Lexis Nexis is reporting an inaccurate bankruptcy on my credit report. I have reached out to the court house where the alleged bankruptcy was filed and they have assured me that they do not furnish this information.