davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

The following information XXXX XXXX is reporting on my credit report that is false and inaccurate. This is the third ( 3 ) letter requesting XXXX XXXX correct false information they are reporting to the Credit Reporting Agencies, ( CRA ). 

1. XXXX XXXX is reporting a NEW bankruptcy for me to the Credit Reporting Agencies on my Credit Report dated XX/XX/XXXX. This is absolutely false and must be deleted. 
2. XXXX XXXX is reporting the account Condition as Derogatory. This is not correct. The account condition is PAID. XXXX XXXX was paid-in-full {$14000.00} the claim XXXX XXXX asserted in my Chapter XXXX filing. 
3. XXXX XXXX is reporting the account Status as in a Payment Plan to all three CRA. This is not correct. This account was Paid-in-Full by the Bankruptcy Trustee. 
4. XXXX XXXX is reporting the account as Chapter XXXX : Wage Earner Plan Account. This is not correct. This account was properly included in Chapter XXXX filings and the Chapter XXXX Bankruptcy was Discharged on XX/XX/XXXX. 
5. This account is NOT in Chapter XXXX Bankruptcy. XXXX XXXX must only report the current condition of the account, ( elsewhere on my credit report my Bankruptcy is reported as a public record. It is not XXXX XXXX place to report a Bankruptcy on their portion of my credit report as my account with them is no longer in Bankruptcy. 
6. I sent letters to XXXX on XX/XX/XXXX and again on XX/XX/XXXX to correct the false information they are reporting to the CRA.
Consumer complaint received 2018-03-18
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: BMW Financial Services NA, LLC (FL)

XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX XXXX, XXXX XXXX, XXXX Re : Account Number XXXX To whom it may concern : I am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records I am unable to find any original contract documentations of any contractual relationship between name of company BMW Financial, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of original contract to substantiate your claim. Provide me with a certified copy of an original contract with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of original contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim against me. In the event you continue your collection without any proof of the original contract, i will file a complaint with The Attorney General and Federal Trade Commission and File a police report against you for harassment and invasion of privacy. You have 72 hours to provide strict proof of an original contract. In the event you can not provide strict proof of the original contract you must cease, dismissed, permanently remove any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to an attorney or sell it to another Creditor without providing proof of the original contract, it will be immediately reported to the state bar association and professional liability found for code of ethics violations. 

Sincerely XXXX XXXX
Consumer complaint received 2018-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

In a letter dated XX/XX/2018, I was informed by Capital One that they had changed my credit limit from {$20000.00} to {$10000.00}. The specific reasons for this change were : Current account not used enough for assigned credit limit and Balance on non-Capital One revolving trade are too low. I was not given a contact to reach to dispute what they had done, but I was informed that if I had any questions about the effect on my credit score they encouraged me to consult XXXX  at  capitalone.com I was totally unaware that I was required to use my credit card at any particular balance amount to keep my current limit or that I was required to carry debit balances of any particular amount with non-Capital one revolving trade to maintain my {$20000.00} credit limit. 

My XXXXedit score as of XX/XX/XXXX, was XXXX. I am fully aware that a 50 % drop in my credit limit will negatively impact my score. What other credit card company or lender will want my business with this kind of drop reported on my credit record? Am I now at the mercy of Capital One and this non-negotiable decision? 

Consumers are repeatedly told to stay well below the limit on their credit cards and to pay off balances monthly. I had no idea I would be penalized for doing this. Capital One, of course, did not mention a reduction in the current interest rate they are charging me-just a drop in the limit. Is there some finite amount that they draw from? Are they giving the {$10000.00} credit limit they took away from me to someone else? 

I have no way of predicting the future, but I did not ask them to drop my credit limit by 50 %. What negative impact does my having this limit have on their business? It gave me piece of mind to know that it was there should I need it. After 20+ years of having a Capital One card to be treated in this manner seems totally arbitrary. I have no idea if such a practice is legal ; that is why I am coming to you. I do know the public needs to be told in a straight-forward manner that staying below their limit and paying off balances in a timely manner will negatively impact their credit score.
Consumer complaint received 2018-03-18
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ad Astra Recovery Services Inc (CA)

AS Astra sent documentation affirming debt of XXXX however failed. ( 1 ) They failed to validate acquisition price paid and incurred expenses ( my new liability to AD Astra as a debt buyer ) to justify continued collection attempts. This is my right. Otherwise, ( 2 ) this is an active attempt to collect usurious interest as defined by the RICO statue by pursuing of collection posted to all my credit reports impacting my credit score ( 3 ) and Failing to consistently report the same data to all bureaus, date of debt varies as reported to 2 agencies. My new liability is estimated to be less than 50.00. Unreportable in this circumstance.
Consumer complaint received 2018-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX : The XXXX reported as past due is an error on XXXX XXXX part. All excess liability was paid for by my GAP insurance coverage purchased from XXXX XXXX, as confirmed by a document received by them in XX/XX/XXXX. ( 1 ) This has resulted in continued threatening action and misrepresenting the status of the debt which was paid in full in late XX/XX/XXXX. Reported as active collections on both XXXX and XXXX for a total of XXXX and as a revolving account to Experian, with a past due payment of XXXX. ( 2 ) XXXX XXXX misrepresented the type of debt, causing the most harm to my report and score. This represents a lack of good faith effort to ( 3 ) Consistently report the same data to all bureaus ( 4 ) Affirms there was no review of my file in validating my debt to bureaus, disputed multiple times since XX/XX/XXXX ( 5 ) With the outcome of a detrimental mark on my credit report for years as a result of their error when my account was paid and closed in good standing over 4 years ago.
Consumer complaint received 2018-10-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (MD)

Cashnet USA keeps changing the settlement offer. I have copies if you need to see them. 
They keep changing the amount of the payment due and the loan repayment date. 

Whenever I call in to make a payment they tell me that I owe them more money,. ' XXXX XXXX
Consumer complaint received 2018-10-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (TX)

I have been fighting identity theft since XX/XX/2016. My credit score is all messed up. Accounts are being opened under me fraudulently. And I have a lot of medical bills ... been sick for many years. I am not able to work right now and I have no money to pay the hospital bills .... and bc of all the collections, I am suffering sooooo bad STILL and Im only XXXX. 

I have never lived in the apartments your company is collecting for. So please work this me! Yall are trying to collect {$8000.00}. I dont have a single dollar to my name right now and I cant even get a small loan to pay a bill because your company is trying to COLLECT {$8000.00} FOR SOMETHING I AM NOT RESPONSIBLE FOR
Consumer complaint received 2018-10-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (GA)

On XX/XX/2017, my daughter XXXX 's boyfriend at the time bought her a new car so that she would have transportation to find a decent job. Because he was very young and never had credit he was told that a good way to establish credit was to sign on with Santander bank because that was the only bank who would finance the car. XXXX XXXX then told them that once they made the payments on time for a year, XXXX XXXX would get the initial payments lowered to a more manageable level. The initial payments were set at {$570.00} per month for a XXXX   XXXX priced at {$20000.00} approximately. My daughter agreed to make all the payments and did, on time, for the year. They went back to XXXX XXXX expecting them to honor their word. They didn't. She contacted Santander representatives to see if she could get the payments lowered ... they said no. Meanwhile XXXX is working hard to make these payments on time only to find out that most of the payment was going to interest and not principle. I did some research on Santander bank and found that they had numerous complaints against them, bad reviews, and law suits against them for essentially operating as loan sharks. They need to be stopped so that they don't trap anymore consumers who are desperate.
Consumer complaint received 2018-10-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (TX)

On XX/XX/2018, I received an American Express BlueBird prepaid card in the mail. I did not apply or in anyway want this card. They had some of my information with this attempted account. I called customer service and they were less than helpful with their service and the Account Protection people  were worse. I had to repeatedly explain over and over that i did not apply for this card nor would I want a card like this. They said that the account was cancelled or closed but refused to provide me with any confirmation via mail that it was closed and resolved. I talked to a " XXXX '' and his supervisor " XXXX '' from the " account protection '' department. It sure seems really fishy to me. They wanted me to confirm via an email they sent before they would send me an email as well rather than a letter. I refused to click or give anymore information than they had already. I would like them to send me a confirmation letter that this was taken care of. This is ridiculous and if this is any indication of how American Express works I would not want to do any business with them.
Consumer complaint received 2018-03-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

XX/XX/XXXX. XXXX.The check was written for mobile deposit. And said oh its blurry and its deactivated and were going to send you a letter. When the check was actually on hold, it was sent back. All of the sudden, Im not able to use citizens bank anymore.
Consumer complaint received 2018-10-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

Today, I went online to make my monthly mortgage payment at Ocwen and I was surprised to find that Ocwen had instituted new policies with regard to how a payment can be made, without having received any of this information by mail, in advance. 

The issue revolves around a {$7.00} service fee that they have decided to charge customers to make online payments. Not much, but I felt taken advantage of because I was not informed of the changes by mail, email or any other method, in advance. 

The website claims that if I were to enroll in " paperless statements, '' that the {$7.00} fee would be waived. 

I called and spoke to an Ocwen representative who informed me that they, in fact, had NOT sent out any information about these changes, but were in " the process '' of doing so. 

To me, this seems completely unfair and wholly inadequate. In my humble opinion, they should be REQUIRED to inform customers of any changes IN ADVANCE of making such changes. 

The representative I spoke with suggested that the changes had been noted on their website previously. I asked if it was then necessary for me to monitor their website frequently to " catch '' such changes. She had no answer. 

Kindly look into this deceptive and unfair practices being made to squeeze {$7.00} out of each of their customers. 

Thank you, in advance, for your consideration. 

XXXX XXXX
Consumer complaint received 2018-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (MD)

A few weeks ago, I called Citibank to complain that I was mistakenly enrolled in paperless statements, which caused me to be late twice making payments on the card. I asked that they refund the late fees they charged, due to my long and perfect credit history with Citibank. Citibank said they fixed the paperless statement issue, although I have yet to see a paper statement from them, but they refused to refund my late fees. I told them I planned to write a complaint letter. A few days later, I received a letter from Citibank saying that the credit limit on both of my Ciribank cards was decreased. They said I owe debts, which is true of most Americans. I have an impeccable history paying Citibank and any other debts I owe. I have no late payments showing on my credit files.

I am very upset that my credit file was checked and my credit limits decreased on my Citibank credit cards for no reason other than I asked to receive printed statements rather than paperless and asked that my late charges be refunded. My credit limits were decreased thousands of dollars for no reason. I have had one of the Citibank credit cards for over a decade, in my maiden name, XXXX XXXX XXXX, with thousands in credit limits available to me, which I never abused. Please look into this matter for me and find out why Citibank punishes their longstanding customers when they complain. Thank you.
Consumer complaint received 2018-05-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

Our mortgage got behind XX/XX/XXXX because of my mother XXXX XXXX. 
I applied for a mortgage modification with our mortgage company Select Port Folio. They processed my request and on XX/XX/XXXX I received Trial Modification Retraction from Select Port Folio after I had made 2 Trial payments of the 3 payments that is required per the Trial modification I received.

I have recently resent request for mortgage modification with financials to them again.

I do want to keep my home. Please help me with this modification request.
Consumer complaint received 2018-10-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DISCOVER BANK (CA)

Our first mortgage is privately held. It is recorded properly, all documents on file in the public record. We receive a XXXX, and have proof of all payments. We applied for a home equity loan with XXXX XXXX XXXX XXXX and was denied - " Ineligible first lien financing ''. When I asked what the issue was - I was told that they don't lend behind a private mortgage. I do not believe a lender can discriminate based on who holds our first loan if we can show all of the same documentation that could be found on a bank issued loan. Also - the definition of " private '' loan does not appear in any lending laws I see - what is a bank vs private? The term is vague and I do not think we can be denied if our loan is paid just as a bank issued loan is.
Consumer complaint received 2018-10-14
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)

On XXXX I received a copy of my EXPERIAN credit report and have noticed the following inaccuracies : Wrong Address : XXXX XXXX XXXX XXXX, AZ XXXX - delete this item Inquiry over 2 years old : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, PA XXXX -delete this item
Consumer complaint received 2018-05-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

I have Problems with the manager of the Branch of XXXX New Jersey of Bank of America, where they sold me two machines for my new business for one price and one small monthly fee and they started charging me fees and prices which I do not agreed I complaint because a guy named XXXX XXXX the one who provides Merchant 's services for BoA offer me loans all together with the husband of XXXX XXXX who is the one in charged of the XXXX branch, but they told me I have to keep it secret from the bank, the deal was for the merchant services i will pay XXXX dlls for two machines and a monthly payment for their services of XXXX so far They have charged me over XXXX dlls for this services and they also offer me an extra machine that i never get. i refused the loans from this guy XXXX XXXX and the husband of XXXX XXXX. and then I moved to XXXX XXXX XXXX. I tried to report this events to the manager of BoA in XXXX XXXX XXXX and XXXX his name is XXXX XXXX but he is XXXX and told me cut your XXXX little XXXX in XXXX and made me go back and forth for almost one month and a half XXXX   promise me he will help me with this fraudulent charges and told me he will investigaste all this people. What happened next they have cause me a lot of loss to my 2 business and personal accounts because they arbitrary cancel my 2 business accounts and personal account and they told me it was a business decision and they never investigate this people who have called me XXXX, even tough I am a XXXX guy I do not deserve this by anyone. I want my 3 accounts open back to normal and all of their fraudulent fees back and apologize from XXXX XXXX and XXXX and their bosses whom I spoke with them over the phone and they lie to me and laugh at me.
Consumer complaint received 2018-10-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (KS)

Have been on a payment plan with Wells Fargo since XX/XX/2018 that is to go through XX/XX/2018. Have made payments for the months of XXXX and XXXX for the arrangement. Worked out with Wells Fargo Home Mortgage Representative XXXX. That since the payment plan monthly amount was for {$710.00} and there was no way could pay that amount up front, said that on every payday would break each payment into partial payments of {$170.00} and {$170.00}. Well, she said that was fine and that we had until the end of each month for the payment to be made. XXXX is a bad month for us because our car tags come due on all our vehicles and we are playing catch up with other bills. I only make {$14.00} an hour at my job and my wife is without work right now. She has been actively looking with no luck yet. We explained all of this to Wells Fargo and had a wonderful representative the first time with XXXX XXXX, who explained with the first one that we  had until the end of each payment month to make the payment. Our first one was almost complete when our account got hacked. We spoke with XXXX and tried to make that final payment back in XXXX or XXXX but Wells would not hear of it and made us go on another plan. Only this time we got a new representative XXXX, who will not leave a message or send an email to us so we know there is a possible problem. The only time she ever responded is when I send a bit of a XXXX email to her. Once again explaining our situation and making sure we still had till the end of each month to get the full payment made. Her response was yes. Well, we got a credit notification from our monitoring service that Wells Fargo zapped my Credit report due to a partial payment not being made but yet the branch took the recent payment made on XX/XX/18 with no problem. I can not take personal calls during my work hours and have asked several times to please leave me a message if Wells Fargo did call. I had been getting calls during work my work hours but never got any voicemail messages. I did not recognize the XXXX # that was on my phone. It was not id on my caller ID to even know who it was calling. I have been plagued with so many scam calls on XXXX # that I am weary of answering them even when I can. Explained this to our representative XXXX but she refuses to make other contact with us. Our payment is for {$710.00} and half of the month of XXXX 's payment has been made all ready and still have two weeks before the end of the month to make the last two payments needed to complete the full payment. Wells should not have dinged my credit report because the full payment has not been received and they took my partial payment on the XX/XX/XXXX. I have all my receipts and will gladly supply them to you all for your records. It is not right for Wells to leave no messages and no emails or formal letters and put this on my credit report. Want it removed from my credit report.