davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company (NC)

My original home loan mortgage provider was XXXX. After 1 month, my mortgage was sold to Freedom mortgage who is presently my current home loan mortgage. I inquired as to paying my mortgage on a weekly basis and was told that I could do so with no pre-payment penalties. Later, I discovered that said weekly payments were placed in a suspense account until the total of my mortgage payment was received. After reaching out to Freedom mortgage to address this issue, I was then informed that they do not accept partial payments. In essence, Freedom mortgage is floating my money by not applying it directly to my mortgage as paid, hence indirectly preventing my ability to prepay my mortgage, make additional payments to principal, and indirectly penalizing me from making extra payments to principal or making additional extra payments to pay off my mortgage in a more timely fashion. 
A similar issue has also occurred while making an extra full payment on the anniversary of my mortgage to reduce my principal, and once again, this payment is applied as a extra payment in suspense and not applied directly to principal. 
Only after contacting my mortgage lender directly did they then apply the extra payment to principal. 
Keep in my mind that my monthly mortgage payments are noted as monthly payment and my additional, extra monthly payments are noted as apply to principal. 
Unfortunately, like clockwork, I have to reach out to Freedom Mortgage every month to ensure that my payments are correctly credited to premium and to principal despite being noted on my payment. 
In closing, despite my numerous requests, Freedom Mortgage is preventing me from making payments to principal, the ability to pay my premium on either a weekly or biweekly basis without those funds being placed in suspense as opposed to being applied directly to my account, yet again, preventing me from reducing the principal of my loan, the ability to pay off my mortgage early, and the possibility of reducing the term of my 30 Year Mortgage. 
I would like to add that I have in my possession, dates, documents, statements, phone conversation notes and additional written correspondence that lends credence to my complaint and is available upon request as I dont know what documentation you would deem necessary.
Consumer complaint received 2024-10-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

15 USC 1681 ( a ) ( b ) ( c ) According to this United States Code, all of these companies attempting to collect a debt that doesnt belong to me, and damaging my personal credit score, are in violation of this code. My information is confidential to only the entity I allow it to be shared with. My information was not to be shared with any other institution whatsoever therefore, remove every negative account on my credit report. I will be requesting 1099 forms from each of the original creditors to show proof of them charging my accounts off as a profit loss. If not removed, they will be fined. Thank you.
Consumer complaint received 2024-10-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PLS GROUP, INC (MA)

I have received a mail letter from XXXX XXXX XXXX XXXX XXXX XXXX trying to collect a debt that is owed to PLS FINANCIAL SERVICES. 
I do not have any account with this company, I do not know anything and have no information about this debt.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (FL)

I am writing to inform you that the referenced account was fraudulently opened in my name without my knowledge or authorization. This account appears on my credit report and is negatively affecting my credit. I believe this is a case of identity theft. 

Account Details : Account Name : JPMCB CARD Account Number : XXXX Account Type : Credit Card Date Opened : XX/XX/year> I did not open this account, nor did I authorize anyone else to do so on my behalf. Therefore, I request that you immediately close this account and cease all collection activities related to it. Additionally, I request that you remove any negative information related to this account from my credit report. 

This company - that I have XXXX knowledge or affiliation with was fraudulently operating with my information. I did not authorize any of this. I do not own a company or operate a company. I have never in my life walked into a Chase bank nor called nor applied anywhere for a card with Chase. This is ridiculous. I do not even have personal accounts with Chase. My credit and EVERY single one of MY accounts are in great standing and have always been. I have beautiful financial history and I have always protected my credit score. I do not know how this even happens and how I am responsible for paying a card I have never had or spent any money on. I do not have a physical card nor could I even tell you the card number. I do not know any of these " employees '' that Chase is saying I sent payments to. None of the payments made on this credit card where with accounts I own. This account is not my debt and this is incredibly unfair. I have never contacted Chase to open an account ever in my life. This needs to be thoroughly investigated.
Consumer complaint received 2016-05-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC (RI)

I received a notice from dbt solutions saying I owed on an old XXXX bill. I called them and they told me that I never returned XXXX equipment. I told them that my mother did bring package to XXXX and that she still had the proof. Thy told me to send the proof in. My mother faxed over the receipt and a letter telling them that she personally brought the package containing the equipment to XXXX for me and had gotten the receipt. she even wrote on the receipt when it was received by the company who handles the equipment for XXXX. It does not go back to XXXX but the company I guess who manufactures the equipment for XXXX. It was received on XX/XX/XXXX by a XXXX XXXX. In 2014 she had checked the tracking on line to make sure it was received. Good thing she kept the receipt. She also stated in the letter to dbt solutions that this should never even been put on my credit report in the first place. She told them I wanted it removed from the XXXX credit bureaus because it was XXXX error and this was cleared up 2 yrs. ago.. XXXX would not even talk to me about it because they said this was a old closed account and sold to dbt soultions. This was done over XXXX months ago. As of this date it is still showing up on my credit as XXXX balance but still showing as collection account. This had lowered my score by XXXX points and caused me to loose out on getting a mortgage at that time. I am still trying to get a mortgage to buy a house for my growing family as we are XXXX next month. I want this removed from my XXXX credit reports ASAP. They told me it would be but they never followed through. This has been a nightmare.
Consumer complaint received 2022-07-04
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2024-10-17
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IL)

XXXX  months ago, I applied for a credit card at XXXX XXXX XXXXXXXX. I was told there was an XXXX no-interest promotion. I was approved and made a purchase for {$7600.00}. I made monthly payments of {$250.00}, never missed a payment, and planned to pay off the full amount by the end of the year. 

Since I didnt receive the card right away at the store, nobody provided me with the terms and conditions of the credit card. By the end of the XXXX  months ( XX/XX/year> ), my balance was around {$3200.00}. However, my current balance shows {$6400.00}, which seems very unfair considering I made regular payments. 

I tried to resolve the issue myself, but it didnt go well. XXXXXXXX XXXX XXXX works with a third-party company, Comenity Bank , and they refused to help me with this problem. I would also like to mention that XXXX is not my native language, so I may not have fully understood some of the information.
Consumer complaint received 2016-03-29
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (NY)

In XXXX XXXX, I signed up for a Gold Delta SkyMiles credit card due to the promotional offer of XXXX Delta miles when spending {$1000.00} within 3 months. At some point in XXXX ( approximately XXXX ), when activating the card, I called and spoke with an agent who verified with me that I was in fact eligible for this bonus. The bonus was the reason I activated and used the card. If I were told there would be no bonus, I would never have used the card. Around XXXX XXXX, upon completing the minimum spend, I spoke with an agent who said that I had completed the requirements for the XXXX miles and stated it may take up to 6 weeks to receive the miles. Around XXXX XXXX, I had still not received the miles, so I again called and spoke with an agent, who again reiterated that I had earned the miles and that processing them may take some time. On or around XXXX/XXXX/XXXX, I did a chat on American Express 's website with XXXX, a supervisor, who told me that I was not actually eligible for the promotion ( despite what XXXX employees had previously told me ) but that they would conduct an investigation ( case XXXX ). I did not hear anything so in XXXX I did another online chat with an American Express agent, who said the case was still pending. I have still not heard back from American Express and the XXXX miles have not been deposited into my Delta frequent flyer account. 

The only reason I signed up for this card was to receive the bonus, and I was told I would receive the bonus by American Express employees - three times, no less - including before ever using the card. It 's time for American Express to live up to its promises and give me the XXXX miles.
Consumer complaint received 2016-02-20
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: ENCORE CAPITAL GROUP INC. (ND)

They call often, at least 4 times a week, including on weekends, and ask for my name, by first, middle, and last name, and if I confirm that it is me, they tell me to hold while they transfer me. They will not identify the company they work for, who the debt is from, how much it is ... Only one time did they actually say that it was an attempt to collect a debt. NO other information was given and they put me on hold even if I ask them for more information. I waited on the line for at least 30 minutes before I hung up. 

The calls always come from XXXX and it is always someone with a heavy, unintelligible foreign accent. I am beginning to think they are a scam and not a true debt collector.
Consumer complaint received 2019-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation (MD)

I had a credit card account with XXXX Credit Card company which I paid in full on XX/XX/2019 and sent a certified letter to them on XX/XX/2019 asking them to close my account. On XX/XX/2019 I returned camera equipment to XXXX, XXXX and even though my XXXX account was paid in full and I had requested in closed they issued a credit to the credit card anyone as that it was I used for the original purchase. This credit was issued to XXXX   by XXXX on XX/XX/2019. This left me with a credit balance on a closed XXXX Credit Card of {$3400.00}. 

I mailed a certified letter to XXXX, per their requirements, on XX/XX/2019 requested a refund check be mailed to me as soon as possible. As I had not heard from them I called them Saturday, XX/XX/XXXX and was told by Customer Service that they had requested the check be printed and it should be printed by XX/XX/2019. I waited until XX/XX/2019 and as I had still not received a check I called again. This time I was told the check had been mailed on XX/XX/XXXX and it should be delivered by the end of day on XX/XX/XXXX. When I had not received it in the mail on XX/XX/2019 I called again and was told that if I had not received it by XX/XX/2019 I should call them on XX/XX/2019 and request another check be sent. 

At this point I do not believe they have made an effort to refund this money. They are in Georgia and I am in Maryland and even with today 's mail service it does not take that long for a check to be sent through the mail. 

I would appreciate help in getting my refund as soon as possible.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P. (NC)

This debt collector ( LVNV FUNDING LLC ) engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2016-02-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (AP)

On XXXX XXXX XXXX I was at the attorney general office in a conference with XXXX XXXX and the agent for the attorney general said that they could not proceed until the motions of lawsuit against XXXX XXXX was over. 
I am suing my ex-wife do to harming my credit and going to the attorney general and having the attorney general filing for back pay child support. When we had an agreement since XXXX XXXX, XXXX that I would not owe her a dime due to me being dead to her both children. My attorney contacted the office of the attorney general and by state law they are not to harm my credit until the lawsuit is over with.
Consumer complaint received 2016-12-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Our Mortgage is a modified loan through Bank of America. We have already live the nightmare of almost losing our home because Bank of America had our loan being serviced by XXXX. We saved our home thanks to you ( CFPB ) and all the paperwork I was able to supply my complaint against their failure to follow through with modification process and improper handling of our records. 
ONCE AGAIN Bank of America is transferring our loan servicing to XXXX. A company that has a 98 % negative review, not customer friendly, a company from XXXX and is n't even a XXXX. How can Bank of America continue to work with a company that has this kind of reputation? Please I feel that based on my history with Bank of America that they could and should keep servicing my loan or at least that they find a better servicing company that carries a better reputation and isnt a company just waiting to complicate a family 's mortgage records so that they can start charging fees upon fees and then create a crisis as to make a homeowner default and they make their money off the top for every home they foreclose on. 
I want nothing to do with XXXX. We saved our home, we worked very hard, lost sleep, got sick and hospitalized because of all the misplaced paperwork and stress XXXX caused us. Please review the documents I am uploading and I beg that you see how you can assist us with remaining with BOA as our servicer or find us some other reputable servicer that isnt XXXX.
Consumer complaint received 2023-01-19
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. (TN)

Closed accounts This account was closed on XX/XX/XXXX XXXX XXXX - XXXX Last reported XX/XX/XXXX {$230.00} Reported balance Highest balance {$230.00} You've paid off 0 % of this loan OVERVIEW Highest balance $ 236 Monthly payment {$0.00} Opened XX/XX/XXXX ( 1 yrs, 7 mos ) Term 0 month PAYMENT HISTORY Last payment -- Payment status -- Worst payment status No Info ACCOUNT DETAILS Account status Closed Type Telecommuncations/cellular Responsibility Individual Remarks Collection Account Account information disputed by consumer, meets FCRA requirements XXXX XX/XX/XXXX days late XXXX Closed XX/XX/XXXX CONTACT INFO XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX ( XXXX ) XXXX See a mistake? 
You have a right to fix it If the account 's not yours or the info 's wrong, we'll help you dispute it with XXXX. It won't hurt your score. 

Dispute in a few clicks Today Credit Cards Loans Money Closed accounts This account was closed on XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance Highest balance {$1600.00} Nice! You've paid off 100 % of this loan OVERVIEW Highest balance {$1600.00} Monthly payment {$0.00} Opened XX/XX/XXXX ( 7 mos ) Term 12 months ( 1 year ) PAYMENT HISTORY You've made 67 % of payments on time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current red_status Not current Last payment XX/XX/XXXX Payment status 30-59 days late Worst payment status 30-59 days late ACCOUNT DETAILS Account status Closed Type Secured loan Responsibility Individual Remarks Closed Times 30/60/90 days late XXXX Closed XX/XX/XXXX CONTACT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX See XXXX mistake? 
You have a right to fix it If the account 's not yours or the info 's wrong, we'll help you dispute it with XXXX. It won't hurt your score. 

Dispute in a few clicks Today Credit Cards Loans Money Closed accounts This account was closed on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Last reported XX/XX/XXXX {$0.00} Reported balance Highest balance {$0.00} Information not available OVERVIEW Highest balance $ 0 Monthly payment {$0.00} Opened XX/XX/XXXX ( 3 yrs, 8 mos ) Term 0 month PAYMENT HISTORY Last payment -- Payment status -- Worst payment status No Info ACCOUNT DETAILS Account status Closed Type Utility company XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX days late XXXX Closed XX/XX/XXXX CONTACT INFO XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX XXXX ( XXXX ) XXXX See a mistake? 
You have a right to fix it If the account 's not yours or the info 's wrong, we'll help you dispute it with XXXX. It won't hurt your score. 

Dispute in a few clicks XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

i noticed there was a transaction on the capital one card i owned at the time i am currently unable to retrieve any information cause they disabled my online services i called multiple times and they keep telling me ironically that there is not enough proof that i DIDNT make the purchase and now they have recently served me because of this same balance
Consumer complaint received 2023-01-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation (NJ)

To whom it XXXX concern : i am writing to you because you are reporting inquiries on my report that i do not recall. Please see items listed below. 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX please forward me any documentation providing proof i applied for credit with this creditor. if you can not provide such documentation, then please remove this inquiry from my credit file immediately.
Consumer complaint received 2024-10-17
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (MT)

I paid this card off last week ( XX/XX/year> ). I requested information a few days after about closing this account as its no longer needed. I dont have an end date listed for the account. They instead gave me information on late fees. I requested again information to close it. They havent responded and charged me interest on a paid off account.
Consumer complaint received 2023-01-19
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. (TX)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


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