davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (CA)

XXXX-Balance transf {$6600.00} XX/XX/XXXX. Trans fee {$200.00} XX/XX/XXXX int charge {$46.00} XXXX called AMEX..was a blance transf with no interest. They will take care of it. 
Rec letter dated XXXXthey are working on it. 
XX/XX/XXXX Int charge {$81.00} XXXX called and spoke to XXXX. She sees I called before. They are still working on it. 
XX/XX/XXXX Int charge {$82.00} XX/XX/XXXX called and spoke to XXXX. Put on hold. She spoke to supervisor and got authorization to process adjustment of {$200.00} Didnt see the adjustment so on XX/XX/XXXX called and spoke to XXXX.he told me they are working on it. I asked to speak to a supervisor. I talked to XXXX and again explained it should be an easy fix. My statement shows the {$6600.00} as a purchase not a balance transfer. She said management is aware of the problem. I asked to speak to management. She put me on hold and came back and said they werent available but could call me back. After a 27 minute call with no results, I said no thanks. 
XX/XX/XXXX Int charge {$73.00}
Consumer complaint received 2018-03-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BALANCED HEALTHCARE RECEIVABLES, LLC (NY)

I went into XXXX XXXX XXXX  XXXX XXXX during XXXX, 2015, after a XXXX XXXX on my hand. At the time I was in College and used my school health insurance, and paid a small co-pay for my visit. The doctor had thought that I might need XXXX but I healed without it. I have been billed for {$510.00} on XX/XX/2015 and XXXX on XX/XX/2015 totalling the amount of {$820.00} for 2 separate appointments, I only went to XXXX XXXX XXXX 1 time for my injury. I did NOT get XXXX on my hand.
Consumer complaint received 2018-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE (VA)

I deposited a check on XX/XX/XXXX via mobile deposit with XXXX XXXX XXXX. The check was from XXXX. I was not told when it would be available. I contacted the institution on XX/XX/XXXX and was told that the funds would be available on XX/XX/XXXX, but that I could reduce that by a day by linking an account. I did so. I called on XX/XX/XXXX and was told that the funds would be available on XX/XX/XXXX, and that linking the account made no difference. On XX/XX/XXXX the funds were still not available. I called and was told that since it was a new account, funds would actually not be available until XX/XX/XXXX. After I pointed out that the depository agreement did not state this, I was told that the problem was actually that they were unable to verify the funds on a XXXX check ( from the financial institution ), and that the funds would not be available until XX/XX/XXXX. I have been given multiple reasons why a check from a different bank can not be credited to my account, and a multitude of dates as to when it will be available. I want this money credited to my account.
Consumer complaint received 2018-03-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants and Medical Credit Corporation, Inc. (CA)

Merchants & Medical Credit Corporation ( " Merchants '' ) is attempting to collect {$310.00} for an invalid medical debt. Merchants is the debt collector for XXXX XXXX XXXX XXXX XXXX ( "  XXXX XXXX '' ) who provided emergency ambulance services to me on XX/XX/XXXX. My health insurance reimbursed XXXX XXXX {$690.00} pursuant to my medical insurance policy and the insurance 's reimbursement process. I was never notified by XXXX XXXX or anyone else that further money was needed until a negative collection report was reported on my credit report by Merchants. 

On XX/XX/XXXX, I sent a letter to Merchants by certified mail ( acknowledged and signed for by a Merchants representative ). Merchants has not responded. In my letter ( see attached ), I made several points : 1 ) The {$310.00} was invalid because Merchants was engaging in balance billing, a practice prohibited by California law ( XXXX XXXX XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX XXXX ; 2 ) Merchants likely violated my due process rights by violating the Fair Debt Collections Practices Act Section 809 ( a ) s requirements for written notices ; and 3 )  Merchants changed billing statements from the incorrect city ( XXXX XXXX ) to the correct city ( XXXX ), presumably to create the appearance that they had provided adequate notice. 

To date, Merchants has not responded to my letter. Merchants removed the collection account from my credit report but started reporting the collection account again on XX/XX/XXXX. I filed a dispute with XXXX on XX/XX/XXXX and did not receive a satisfactory dispute response.
Consumer complaint received 2018-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (DC)

On XX/XX/18, I received a letter stating that a new address was posted to my equifax credit file. The new address has an extra 2 digits after the first address line, this making it inaccurate. I called XXXX which was the number listed to call with a dispute or questions on XX/XX/18. I spoke with 5 different customer service reps who refused to fix their error until I supplied utility bills, etc. It is absolutely unacceptable to require me to provide documents to correct their error. I refused and they offered me nothing more than 40 minutes of wasted time. Incidentally, I know this is an error on their system and not in my lender 's data because every piece of correspondence from my new lender had my address listed correctly. My rights as a consumer should not be to correct their errors. As a data holder, they have the responsibility to correct their own mistake.
Consumer complaint received 2018-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (CT)

My Student Loan is now current, however its still says delinquent and its affecting my credit score. My wife and I have been saving to buy our first home and my score is reflecting the delinquents. Please make it current so that I can move forward with providing a home for my family.
Consumer complaint received 2018-02-28
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: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX  all are reporting that I paid my XXXX XXXX mortgage late. I did a Home Modification with XXXX XXXX. I even have a letter from XXXX XXXX that I have submitted to all three credit bureaus stating the negative information on my account is incorrect. It is still being reported as late on all my credit report. XXXX XXXX stated it would be deleted. I have disputed with all three credit bureaus who have yet to correct it. I have never paid late! 

There's also two XXXX XXXX XXXX accounts on my report. I have never had any other mortgage. I have only had one. They gave me a new account number when XXXX was bought by XXXX XXXX but that doesn't change that fact that I've one had one account ( it isn't a new account ) and that I have never been late.
Consumer complaint received 2018-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CORELOGIC INC (TX)

What Compliant? 
CoreLogic RunDate XX/XX/XXXX What type of Problem? 
XXXX XXXX Test Account XXXX, VA XXXX What Happened? 
Fraud Court Record Judgement on File* ( XXXX ) XXXX File Date is ( XXXX ) or more Years Old without Removal* XXXX What Company? 
CoreLogic_XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX Who is Involved? 
CoreLogic XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Denotes Identity Theft in the Collecting and Selling of Information for the use in Credit Determination as well as ' Unfair or Deceptive Business Practices.
Consumer complaint received 2018-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: AMERICAN HONDA FINANCE CORP (CA)

XXXX is reporting my current auto loan from Honda as derogatory and included in my bankruptcy and it wasn't. As you can see on XXXX it is current and I owe {$6300.00} on rest of loan. 

See attached screenshot of my credit report.
Consumer complaint received 2018-02-28
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: EQUIFAX, INC. (FL)

I wrote to XXXX, Equifax and XXXX asking them to explain why my credit score was lower than it should be. Specifically, i explained that I have perfect credit, no delinquencies, no derogatoriness, exceptionally low credit use to credit available, all credit paid in full monthly, all property owned free and clear, over {>= $1,000,000}. in liquid assets, XXXX debt and in over 50 years never a charge off or any credit issue. Considering all of this I asked why I am not a perfect 850 score. I asked that they either increase my score to 850 or explain how they calculated my score, about 790-815. It seems to change monthly. They send form letters stating that your score is calculated using four main factors. Delinquencies, derogatory comments, debt outstanding to credit available and total debt, which can be to high or to low. When you call to speak to a credit representative to ask them to explain it they basically say that is just what it is. I ask that if everything is perfect then why is my score not perfect or why will they not explain where and why I lose points. My latest letter was sent on XX/XX/18. All of this is verifiable. Their own reports corroborate what i am saying. i can verify the asset numbers and can verify income, which i told them i would do if they would agree to change my score to 850 if I did.
Consumer complaint received 2018-03-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (WA)

A. On XX/XX/XXXX was told by Ocwen via equator message that the net was short around {$3000.00} and to submit a higher offer. 
B. Higher offer was submitted on XX/XX/XXXX which increase the offer to {$260000.00} the net by {$2500.00} ( which is around $ XXXX ) C. Escalation dept confirmed receive of document XX/XX/XXXX yet underwriting did not not the file as complete until TWO WEEKS later despite my follow ups. 
D. File was at a standstill until XX/XX/XXXX despite weekly follow ups we should not be penalized for underwriting taking much longer than they should have. 
E. XX/XX/XXXX I increased the net even more to {$230000.00} which it is over {$3000.00} higher in net then the original hud submitted I do not understand why the short sale is not pending approval with the above considered
Consumer complaint received 2018-03-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NC)

ever since ditech took over my loan I have had nothing but headaches with this company. I was sent an escrow surplus check on XXXX for XXXX. I e-mailed ditech in XXXX to apply the check to my escrow. It is now XX/XX/XXXX and they still have not done so. Then I get my mortgage bill and ditech said I was short XXXX and raised my house payment. I keep getting form letters in the mail but no one is fixing the problem. 2nd complaint in XXXX they took my taxes out in the middle of the year, I filed a complaint with y'all they told you they had fixed the problem well they lied they never fixed it and turned around and did it again in XXXX ditech says on their web site they collect taxes 20 days before due date. The due date for taxes in XXXX NC is XX/XX/XXXX. They sent me an e-mail in XXXX saying they had paid my taxes so I went to the tax office my taxes had not been paid. And ditech proceeds to tell me that I was short. Well duh! If they had taken my taxes out like they were supposed to I would not be  short. The ditech check was a XXXX XXXX  XXXX check. ditech is a predatory lender. They also gave false information on my XXXX form. They say they have had my loan since XXXX, which is false.They tell me they have paid out my taxes and insurance when in fact they have not they change the dates to reflect something else. They sent me an e-mail that taxes were paid in XXXX and then I get an escrow statement that says they were paid XX/XX/XXXX which is not true. They do this in order to make looke like I was short and to raise my house note. Where I come from that is called stealing. Something needs to be done about this company they are crooks and commit mortgage fraud on a daily basis then lie and say they have fixed the problem which they never do. There are so many RESPA laws being brokenand no one is holding ditech responsible. If call them on the phone they talk in circles which I thought they were supposed to fix the last time the attorney generals office took them to court. They are not abiding by any of the mortgage laws. Now I pay my house payment on time every month. I DO MY PART make them responsible for their part and just because they tell you they have fixed the problem they really haven't and your office needs to check up on them to make sure they have followed through NEVER take ditech 's word for anything.
Consumer complaint received 2018-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX XXXX XXXX XXXXXXXX Haas issued me a credit card with XXXX limited. I was going on vacation has only XXXX available. I had made some small purchases.to assure room on the card for my hotel and rental car I paid XXXX on XX/XX/XXXX. Then XXXX on XX/XX/XXXX then XXXX on XX/XX/XXXX which wasn't total balance. My payment was verified by capital one twice. And cleared and collected by them in the XX/XX/. However they placed a 4 day hold on my account after they verified payments. This was not delivering a service level promise of hassle free timely accounting. I pay a XXXX dollar annual fee and additional fees in interest rate for my service..these fees should be refunded if there not going to issue me the credit promised in exchange for said fees.
Consumer complaint received 2018-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SUNTRUST BANKS, INC. (TX)

SunTrust Mortgage reported my XX/XX/2018 payment late to credit bureaus. The payment was late because XXXX XXXX XXXX had put a freeze on our checking account that resulted in automatic cancellations of all bill payments. We did not know about this freeze as, apparently, the bank had sent a physical letter to our old address requiring some documents. Since we never received this letter, we could not provide them the document they needed. SunTrust had the address wrong when they initially tried to contact us. They never called us to alert that the payment was late. We had never been late on our mortgage payment before. Now when I tried contacting SunTrust mortgage, they required a letter from XXXX XXXX  XXXX that the account was frozen by bank and it was not us who cancelled the XXXX payment. We have provided them whatever information is available to us to prove that it is not our mistake that XXXX XXXXXXXX XXXX cancelled our payment without our knowledge. When we first talked to XXXX XXXX at SunTrusts credit dispute department, he confirmed that he will remove this late reporting because it was not our fault. Apparently, XXXX never reported to have this late note removed. We have talked to several representatives at SunTrust to no avail. I am attaching the document that was sent to SunTrust in explaining that late payment was not our fault. SunTrust refused to accept that bill payments were cancelled by XXXX XXXXXXXX XXXX without our consent. I have talked to several representatives at SunTrust including XXXX XXXX, XXXX, XXXX and others with no help.
Consumer complaint received 2018-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AR)

XXXX XXXX, XXXX, and Experien keep reporting XXXX on Credit, XXXX XXXX XXXX XXXX and XXXX XXXX as bad marks on my credit files. I dipute all of these in the past and they were removed. They just change the name of the debt collectors and re report it.
Consumer complaint received 2018-02-28
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NC)

XX/XX/XXXX I received a letter from XXXX County informing that my property taxes were overdue. I contacted Freedom immediately to inform them of this situation and then emailed a copy of the original bill and overdue bill with interest. Since this was a Saturday, I followed up with Freedom during the work week to ensure information was received. I was informed that your tax department has 30 days to take care of this matter completion date of XX/XX/XXXX. 

XX/XX/XXXX I received a letter from XXXX County informing me of a collection notice. I contacted Freedom and informed by ID : XXXX legal action would be taken on Freedom Mortgage, not myself. I was reassured Freedom was the responsible party and the county would not take action against me and that payment would be submitted by XX/XX/XXXX. 

XX/XX/XXXX I contacted the XXXX County who informed me civil action has been taken against me and they have contacted my employer to garnish my wages. I spent over 2 hours on the phone with Freedom Mortgage attempting to get this resolved ( throughout the course of 4 phone calls ). I also had to take the morning off to go to the county tax office. I informed Freedom at XXXX eastern the severity of the situation and that I was now being financially punished for their failure to pay my property tax bill. I was assured it would be handled and paid by XXXX eastern. At XXXX I followed up still no payment. I was escalated ( above general supervisors ) to ID : XXXX and told she would be escalating to her supervisor and I would receive a callback at XXXX on XX/XX/XXXX. 

XX/XX/XXXX I reached out to Freedom at XXXX after not receiving a call-back and payment has yet to be handled. I am yet again being escalated above the supervisor level and awaiting a callback from supervisor of ID : XXXX, no known ID but her name is XXXX.
Consumer complaint received 2018-02-28
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 am puzzled as to why your company continues to report errors on my report. 90 days ago I sent in an FTC Report showing my claims along with several documents. I called back to follow up and was told that maybe my documents have gotten misplaced. This is how credit breaches are formed and just recently I found out that my information was leaked in a past breach. This current dispute is being sent to you as an internal dispute and as well as an affidavit. Well this isnt the first time that this has happened to me. Well Im hoping that this is reviewed by a supervisor and not some careless person or robotic computer. I have attached a few documents down below.
Consumer complaint received 2018-02-28
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: EQUIFAX, INC. (FL)

I am puzzled as to why your company continues to report errors on my report. 90 days ago I sent in an FTC Report showing my claims along with several documents. I called back to follow up and was told that maybe my documents have gotten misplaced. This is how credit breaches are formed and just recently I found out that my information was leaked in a past breach. This current dispute is being sent to you as an internal dispute and as well as an affidavit. Well this isnt the first time that this has happened to me. Well Im hoping that this is reviewed by a supervisor and not some careless person or robotic computer. I have attached a few documents down below.
Consumer complaint received 2018-02-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MD)

I was transferring {$160.00} to a colleague in XXXX on XX/XX/XXXX using Moneygram 's online platform. Since Moneygram states that inclusion of the middle name is optional. I did not include the recipient 's name when sending the money. When the recipient went to receive the money, their agents refused to give her the money on the pretext that her ID had a middle name which was not indicated in the transfer. 

The recipient requested me to speak to Moneygram 's customer service personnel to get this rectified. When I called them, I spelled the middle name several times as XXXX, but their employee entered XXXX. 

When my colleague went back to receive the money, they refused to give it to her on the basis of the spelling mistake made by their own stuff. Upon learning this, I called them once again. This time they refused to rectify it because an earlier amendment was done. They told me that the only recourse was to cancel it. I pleaded with them to pay it as it was because I did not have any more money to send, but they declined to offer any solution to that effect. 

I went ahead and canceled the transaction on XX/XX/XXXX. However, 9 days later today, they still haven't refunded me the money. I have called them several times but they insist I have to wait up to 12 days. Surely, a company that involved in money transfer should not hold on to someone's refund for more than 24 hours. 

My recipient also made me aware that their agents were using this confusion to force her into opening a checking account with them. This is deceitful marketing.
Consumer complaint received 2018-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have tried working with the company to resole the issue however they are not willing to resolve this issue. I have a few hard inquiries from XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.