davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (FL)

City bank / XXXX. From XXXX XXXX has been charged without any paper trail. XXXX they charged XXXX in interest. From XXXX till this day there has been 23 charges added to the account without any reason or paper work. I have a print out from XXXX of all purchases that I have made and a complete copy of all the statements from citi bank along with a CPA accounting and reconciliation of the two. I have been charged for things I do not have or bought via the card then charge interest of 50 % on them all of this I shall send you.
Consumer complaint received 2018-10-11
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN HONDA FINANCE CORP (NY)

Good day : I am behind on my car payments with Honda Financial Services. I made attempts to resolve this issue by coming up with a repayment plan. 

1 ) Honda did a hard inquiery on my credit report without my knowledge or consent. 

2 ) I have been receiving phone calls from a woman named " Investigator XXXX '' ( XXXX ) XXXX. The person has been calling non stop, on my cell as well as at work and also texting me. I am not allowed to receive personal calls at work as I work for a private college. " Investigator XXXX '' has been very " threatening '' me. I spoke to an attorney, XXXX XXXX, who tried to located her in order to send her a " Cease and Desist '' letter but was unable to locate her address. 

3 ) A woman named XXXX from Honda called MY secretary at work, on her personal cell phone asking her to have me call her. First, I have no idea how she got a hold of my secretary personal cell number, but second it is absolutely unnaceptable. ( XXXX XXXX ). 

4 ) The repo company, to which I have no idea who they are, and my attorney tried to locate them, again, to no avail, has been calling me non stop at work as well. 

I have never been so harrassed by a debt collector in my life. I am terrified by the calls - and I asked many times to NOT call me at work. 

I want to resolve this issue but no in fear. 

The fact that they called my secretary on her personal cell number is not ok.
Consumer complaint received 2018-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: FIRST NATIONAL BANK OF OMAHA (NY)

For 5 years with this Credit Card we always paid the full balance before the due date on-line. InXX/XX/2018 I called the reward department and was informed that a {$100.00} reward credit will be applied to our balance the same day I called, it was a few days before the due date. OnXX/XX/18, a day before the due date, I paid the full balance on-line, a {$100.00} less, relying on the reward credit, which was posted XX/XX/XXXX, a day later than the due date. It comes down to {$100.00} one day after the due date. To the XXXX charge a {$94.00} interest was added due XX/XX/XXXX. On XX/XX/XXXX I paid the full balance including the interest. Since this was a Business credit card and I was going to retire on XX/XX/XXXX I have closed the card which was associated with my position in the Company. 
Received a confirmation that the card was closed and cut it in pieces. However, an XXXX statement arrived with a charge of {$84.00}. I called the credit card they said it was another interest on the same {$100.00} in addition to the {$94.00} I have already paid. Their explanation was that even if the hole amount was paid before the due date but a dollar is paid even a day after, they care interest on the full balance and interest on the next month balance, regardless if it's being paid before the due date. Isn't this taking advantage of the consumer? I'm starting to think that the rewards department intentionally posted the {$100.00} reward a day after my due date while telling me that it will be posted a few days before it. I consider it very much unfair. 
The bank is : XXXX XXXX. Credit card address : XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX : XXXX
Consumer complaint received 2018-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Step 1 : XXXX XXXX XXXX added a delinquent payment into my credit report without EVER contacting me about this late payment. Their claim is that my number was on a " Do not call '' list ( which I definitely didn't request to be on ). I am a co-signer for my mothers account. I was unaware that she had missed a payment. XXXX has my number on record and failed to call me in order to charge this payment, because of their excuse I was on the do not call list. So Instead, they submitted this late payment into my credit report, which has subsequently greatly damaged my credit. 

Step 2 : I have since signed up for auto-pay with my bank information so that a late payment will never happen again ( and my mother is now paying me monthly ). I also wrote a letter to XXXX explaining the mishap and kindly asked to remove my late payment from my credit report. ( Especially since XXXX 's negligence has greatly impacted by ability to currently obtain a mortgage ). 

Step 3 : XXXX responded with a letter stating " we have researched our records and have determined that the information reflected in our records is correct and are reporting your account to the credit reporting agencies '' Step 4 : XXXX XXXX XXXX never offered me a chance to make this payment. They never called, emailed, or wrote me a letter about this payment, yet they still reported me to the credit agency. 

I would like XXXX XXXX XXXX to fix what was wrongly done. 

Companies Involved : TransUnion Corporation, XXXX  XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX XXXX.
Consumer complaint received 2018-04-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CA)

To whom it may concern : XXXX XXXX has attempted to collect a debt from me that is not my responsibility. They have utilized 3 collections agencies over the past 4 years to harass me. I have disputed each attempt with evidence, and then the case is pawned off on another agency. I have attached a copy of my written dispute. In short, I was charged for electricity I did not use. I was living in another state at the time.
Consumer complaint received 2018-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (NJ)

Im having a big problem with American Express platinum card. I made a purchase on paying it off I was in the hospital and theyre giving me a hard time and the cut off to my credit cards. I told him Ive been in the hospital on my deathbed and this is the way they treat their customers. Im off have a balance of reward and I cant use it towards my purchases. Theyre a bunch of con artists. The sad thing is they approve me for the American Express XXXX are activated it today and they blocked my card. They can not do that. I want whats the title to me I cant help that I was in the hospital. And the in-laws pick me up today because they put me through XXXX and I ended up having another XXXX. They are not responsible for mine condition. 
i will be giving them my hospital bill ffrom today.
Consumer complaint received 2018-04-18
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. (OH)

I have submitted a previous complaint thru your portal in XXXX with complaint ID XXXX, do to Inaccurate accounts showing on my credit report. I received a response from the company stating that the accounts has been verified that they belong to me which is not accurate.
Consumer complaint received 2018-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have tried over 10 times to get my annual credit report for Transunion. I keep getting an error when it sends me to Transunion 's page to try again later or call ( XXXX ) XXXX. I call and request my report and still nothing its been over two weeks, I want to speak to a live person at XXXX but that seems to be impossible. I call Transunion for the online department and the tell me they can not verify my identity because they can't pull a report that i have to check with the dispute center because it seems that i have a split file. I then call the dispute center and they tell me that i do not have a split file and my name, address, social and dob match perfectly. They then tell me to call the Transunion online department which then tell me to call the dispute center and its a big circle of nothing. I want to be able log into the the transunion dispute center at dispute.transunion.com but it again  tells me to call ( XXXX ) XXXX. I already have a username and password created. I have spoken to supervisors all over Transunion and nobody seems to know what they are doing.
Consumer complaint received 2018-09-20
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Bryant Bryant & Associates LLC (MO)

I and people I know were approached by a " investigating officer '' pretending to be XXXX XXXX from Bryant & Bryant & Associates pretending to represent XXXX XXXX XXXX with fake case number and claimed to need to make payment arrangements under penalty of Law. After setting up 75 biweekly payment got a call from a family member that it was a scam. I went to My representative at local XXXX XXXX XXXX location who verified it was a scam and cancel my debit card immediately. the scammer phone XXXX registered from XXXX Tx.
Consumer complaint received 2018-09-20
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: HCFS Healthcare Financial Services of TeamHealth (FL)

XX/XX/2018-I submitted two letters to XXXX regarding an account that recently showed up on my report in which I am disputing. I have no knowledge of this account and asked that the physically/manually verify this account information. The results of their investigation are simply, " verified '' however, i have asked that multiple items of this debt be verified because it does not belong to me. I have also found that the accounts in question XXXX XXXX, based in Utah and XXXX, with an address in Ohio and Florid may not be licensed to collect in the state of Florida. I am in the process of submitting a complaint to the FTC Department. 


XX/XX/2018-I received results of the investigation simply stating the following, " the company that reported the information has certified to XXXX/XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. "  XX/XX/2018-I sent a certified/return receipt letter to XXXX formally asking that they provide actual EVIDENCE that I have a legal obligation to pay and ask that they provide detals of the monies they say I owe as well as provide me with a copy of the judgment they received, to identify the original creditor, copy of an agreement, as well as a copy of their license to collect in my state. I received noticed from them XX/XX/2018 simply providing a list of accounts with balances and no further details of what I had originally requested. 

XX/XX/2018-XX/XX/2018 and XX/XX/2018 I have also sent a re investigation request into the accounts that XXXX/XXXX/XXXX  claim that they have verified via certified mail. 

XX/XX/2018-I sent a letter to the collection agency XXXX XXXX asking that they provide me with the full details of what they claim I owe, license information, original creditor information, payment history, proof they are licensed to collect in my State which I have found they aren't, as well as a cease and desist letter since they have attempted to contact me at my place of work as well as social media platforms on XX/XX/2018 and XX/XX/2018. I provided they with my findings and a copy of the Florida Statute they are in violation of. 

XX/XX/2017-XXXX sent notice that the accounts in question had been removed due to unable to verify, however, XXXX is refusing to comply. 

I have been disputing the debt with XXXX since last year and XXXX is the only company refusing to comply and be in line with the other companies that have already deleted this information that could not be verified. In turn they are repeatedly sending me basic information as to how they verified with the third party these debt belonging to be which is a clear violation of my rights.
Consumer complaint received 2018-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Equitable Acceptance Corp (SC)

I wanted to consolidate my students loans in XXXX, which i believed to be free. This company called XXXX XXXX XXXX XXXX or Equitable acceptance called me mid of XX/XX/XXXX and told me i could have my loans consolidated never mentioning any fees until the end of our conversations. So i give them my financial information and personal info. thinking everything would be free, which i found out recently that it is free to receive help consolidating my student loans. So they told me for them financing my consolidation my charge would be XXXX and i needed to pay XXXX dollars then as a down payment and i would pay XXXX a month starting XXXX XXXX. They told me it would help my credit and so i thought it was ok. But now i know i have been paying for something that is free. My student loans were consolidated XX/XX/XXXX. I have been paying since XX/XX/XXXX - XX/XX/XXXX. I am now paying my student loan payment on top of this payment.
Consumer complaint received 2018-09-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (TX)

On XX/XX/XXXX I received a call from PHH Mortgage Servicing that I had not made my XXXX payment, and demanding payment plus a late fee immediately over the phone. I knew my payment had been sent via ACH on XX/XX/XXXX. the agent verified they received the funds on XX/XX/XXXX, but stated they had applied them to my principle, and again demanded payment. I explained again, she claimed I failed to make the full payment, so they applied it to my principle. She refused to provide a Supervisor when I asked for one repeatedly. The claimed my payment had gone up due to my escrow, even though my escrow was refunded for an overage. So, once again, they have messed up my escrow and raised my monthly payment without notice, or reason, since my taxes and insurance premiums have NOT increased! I am beginning to believe they are putting these extra payments in THEIR pockets, since they can not or will not explain WHY my payment increased by {$60.00} per month. Their Tax Dept confirmed they have the wrong tax amount XXXX it's too high ) but only by about {$100.00} annually. Their tax dept is researching, but can not explain the higher payment either.
Consumer complaint received 2018-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

As of today, XX/XX/18, Experian refuses to remove incorrect personal address with apt . deleted, as my correct address includes MY apt #. XXXX XXXX reported incorrect address with omitted apt # FOUR times. Now " cautious address reported as fraud '' is on my report, causing defamation. I've lived at correct address 25 yrs., & Experian sent report to correct address. Other creditor reports correct address. Experian is either incompent or complicit to take XXXX XXXX 's side. Please investigate possible credit protection sales as motive.
Consumer complaint received 2018-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

My wife & I both became victims of identity theft in XX/XX/2018. A person or persons cancelled our Capital One credit cards without our knowledge. They requested new credit cards in our names & had them sent to XXXX, Fl. We live in Ohio. In just a few weeks they fraudulently charged several thousand dollars & at this time these new cards have a balance of {$6500.00}. I have tried repeatedly to get this problem resolved but with no success. My latest communication from Capital One 's Executive Offices was mailed to me on XX/XX/2018 & only asked me to identify myself. I replied to XXXX XXXX but haven't gotten any response.
Consumer complaint received 2018-09-19
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. (NY)

I sent 2 letters disputing what was on my reports. The first response from them only stated that they verified the accounts but they did not show how they verified the accounts. I sent letters to the creditors as well who did not show any information as to how I owe them. The first letter was received on XX/XX/2018 By all 3 bureaus and the second letter was received on XX/XX/XXXX by all 3 Bureaus. The letters were sent through certified mail. The items in dispute are XXXX XXXX for XXXX, XXXX XXXX for XXXX, XXXX XXXX for XXXX, and XXXX XXXX  for XXXX. It has now been over 60 days since I started to try and get this handled with no results. The Bureaus are not following the laws that state that each account must be 100 % verified to be placed on my reports. They also are not sending the information in which I requested which is my right. The letters will show what I asked for. This is hurting my credit and my ability to do business. The letters I sent to the creditors also did not show any evidence as to how I owe them. So how can the reporting agencies say that they verified the accounts to 100 % accuracy if the creditors can not do that?
Consumer complaint received 2018-09-19
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (CA)

I have been extremely frustrated at the handling of my account with GM Financial. They are penalizing me for an error they caused. 


Early in 2018 they notified me in writing of a payment posting error that caused a payment to be applied to my account multiple times. This made the subsequent billing statements be incorrect, and have an incorrect amount due on the invoice. 

I received a billing statement, and the balance it stated was due was paid on time. 


In XXXX, I received a letter dated XX/XX/2018 that stated the error from months before led to incorrect billing statements, and it encouraged me to contact them to make sure everything is current and correct. I immediately called GM Financial and spoke with a gal that updated me on my account. We went over the total amount due to make the account current, because apparently it was behind due to their incorrect billing statements. It was almost 3 payments past due, so I was given the date of XX/XX/2018 to bring the account current and was assured that no late fees would be applied, and was assured that no derogatory or late payments would be reported to my credit reports. As of XX/XX/2018, I paid the remaining amount ( 8 days early ) and thought this ordeal was over. 


Well it was not. They are incorrectly reporting me late. They are reporting me 60 days late as of XX/XX/2018 and 30 days late as of XX/XX/2018. Please see attached. 


I have tried to call on numerous occasions and spoke with several different GM Financial reps and they all either do not seem to understand this is their fault, or are unable to explain correctly how this is even remotely fair. I am beyond upset and disappointed that I have to spend this massive amount of man hours trying to clear up my good name and excellent payment history. I am being damaged tremendously and have received several adverse action notices from new creditors due to this GM financial error.
Consumer complaint received 2018-10-11
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (LA)

We were switched over to Shellpoint in XX/XX/2018. I had currently filled out a packet because we flooded here in XXXX, LA and got behind on the mortgage. They told me I was approved and if I made 3 payments of XXXX dollars, then they would add what I was behind on, to the end of my mortgage. I paid all 3 of them and now I get a certified letter saying Notice of Default and Intent to Accelerate. I googled this company and they have really bad reviews. They have been turned in to the XXXX multiple times. The amount owed is {$7800.00}. They did not keep their word! I cant talk to anyone when I call. No one answers half the time. I get no answers. I can't lose my house! I did exactly what they told me, and I'm still going to get my house taken away. Please help!
Consumer complaint received 2018-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I have been trying since XX/XX/2017 to contact XXXX XXXX XXXX XXXX to take care of a collections account for a payday loan I got with XXXX XXXX. The phone number on the credit report is listed as XXXX. When I called that number, it was a scam that claimed to be XXXX XXXX that said they would take my credit card after I agreed to receive a {$100.00} gift card. They said they were going take $ XXXX/month something, I still don't understand. I felt something was wrong, so I decided not to make any of those payments. I tried the number again recently and they tried to give me a free cruise and said they were XXXX XXXX. When I turned down the free cruise, they hung up on me. 

I tried again today using the number above ( which is showing on my XXXX and TransUnion credit report ) and after it was suggested that I put a '1 ' in front of the phone number above, I did, and I got through to XXXX   XXXX. Because it has taken me so long to finally get in contact with this debt collector, my balance has increased and I haven't been able to address it. This has prevented me from paying this in a timely manner, which is a barrier to being able to get housing.