davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: TOWNE MORTGAGE COMPANY (IN)

The mortgage statement only lists one mortgage company ( AmeriCu Mortgage ) -  there are two mortgage companies affiliated with our mortgage loan ( AmeriCu Mortgage and Towne Mortgage ). 

XX/XX/XXXX - contacted AmeriCu today - they sent a statement two days ago stating we owed late fees of {$61.00} as listed on the statement. Upon reviewing our account online and speaking with the representative I was informed we are late because we make payments bi-weekly online. But, the Towne Mortgage and AmeriCu Mortgage ( they use the same online system ) allows for biweekly payments and I have been paying in this manner for years. The representative further stated that I ' can not ' make biweekly payments and that is why I owe them additional money, and that the XX/XX/XXXX had not been paid. Further review of my payments ( via their online system ) indicated they have been applying my mortgage payments to PRINCIPLE which makes it appear I am not payment the mortgage. The issue ; they online payment system breaks the payment up and allows for additional allocation to principal, which I tend to make payments towards principal each month ( from {$10.00} - {$50.00} ) but, never for hundreds of dollars. When I asked why the mortgage payments were NOT applied as I indicated on the payment system, the representative did not have a valid response and basically stated, again, that it was my fault for making biweekly payments - I asked to speak with a supervisor - the rep stated the supervisor was not in until XXXX XXXX. 
As stated on the call today, our payments are paid one month in advance ( in biweekly payments ). We are NOT late on our mortgage. 

My husband is a XXXX veteran. It is my opinion this mortgage company is attempting to take advantage of our funds and this VA mortgage. 

Representative name : XXXX Supervisor name provided : XXXX
Consumer complaint received 2019-11-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX I signed up for a citibank account with a XXXX XXXX XXXX mile bonus for meeting qualifying activity ( XXXX in debit card charges+1 qualifying bill payment ). I met this activity but did not recieve the bonus. 

I've chatted with several times in the past, where each one they told me to just " continue waiting '' and it would post. I finally grew frustrated with this and escalated for an investigation. The investigation team told me the offer never attached to my account. 

This is wrong on two levels : Representatives have been confirming the offer multiple time in chat. Citi should have a record of our chat logs. 
I applied through a targeted email link I received from Citi, I am attaching a pdf of the email.
Consumer complaint received 2019-11-25
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: Experian Information Solutions Inc. (GA)

I am a 30 year veteran of the XXXX XXXX. I am XXXX XXXX XXXX and the lack of respect and lack of assistance have taken its toll on me mentally and physically! I was a victim of identity theft from 2017 XXXX  breach, DoD Email Breach,  XXXX XXXX hotels breach. I have reached out to all 3 bureaus and submitted police report ( s ). I have also paid for each credit monitoring service. There have been numerous inquiries and actual theft of my debit and visa cards that I have been dealing with over the last 2 1/2 years! I have placed fraud alerts and frozen my accounts. However, I am in the process of buying a home and my accounts have been unfrozen. I am appalled at the Treatment of US Veterans!  BLUF the bureaus have refused to follow the Law!
Consumer complaint received 2019-11-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a 30 year veteran of the XXXX XXXX. I am XXXX XXXX XXXX and the lack of respect and lack of assistance have taken its toll on me mentally and physically! I was a victim of identity theft from 2017 XXXX  breach, DoD Email Breach, XXXX XXXX hotels breach. I have reached out to all 3 bureaus and submitted police report ( s ). I have also paid for each credit monitoring service. There have been numerous inquiries and actual theft of my debit and visa cards that I have been dealing with over the last 2 1/2 years! I have placed fraud alerts and frozen my accounts. However, I am in the process of buying a home and my accounts have been unfrozen. I am appalled at the Treatment of US Veterans!  BLUF the bureaus have refused to follow the Law!
Consumer complaint received 2023-06-07
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 (NY)

I purchase some items on XXXX with my Capitial one credit card for a a couple of hundred dollars, did 2 separate orders for the first order the seller send me a package with a 1 dollar junk item just to get tracking, for the second order I never received anything, treid deputing with capital one but they refused, Shame on them that they fall for this scammer seller on XXXX
Consumer complaint received 2018-07-30
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. (NY)

Please these accounts don't belong to me. Please help Im not smart enough to talk to these people they scare me. 
XXXX XXXX Reported : XX/XX/XXXX + {$950.00} Closed XXXX/XXXX Reported : XX/XX/XXXX + {$0.00} Closed OTHER LOANS XXXX/XXXX Reported : XX/XX/XXXX + {$0.00} Closed XXXX/XXXX Reported : XX/XX/XXXX + {$0.00} Closed STUDENT LOANS XXXX XXXX XXXX   Reported : XX/XX/XXXX + {$1800.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/XXXX + {$1800.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/XXXX + {$1800.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/XXXX + {$0.00} Closed XXXX XXXX XXXX  Reported : XX/XX/XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX + {$0.00} Closed Hide closed ( 4 ) Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your XXXX   report.

XXXX/XXXX  Inquiry : XX/XX/XXXX + National Credit Card Cos.  
( XXXX ) XXXX XXXX  Inquiry : XX/XX/XXXX + Telephone Companies ( XXXX  ) XXXX  Collections If you've fallen behind on payments, your account could be sent to a collections agency. This can have a big impact on your credit score.

XXXX XXXX XXXX   Reported : XX/XX/XXXX + {$1000.00} Needs Attention XXXX XXXX XXXX XXXX  Reported : XX/XX/XXXX + {$1500.00} Needs Attention XXXX XXXX Reported : XX/XX/XXXX + {$860.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/XXXX + {$100.00} Needs Attention XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX + {$190.00} Needs Attention XXXX XXXX XXXX   Reported : XX/XX/XXXX + {$440.00} Needs Attention XXXX XXXX XXXX   XXXX {$1800.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX XXXX {$1800.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX XXXX   {$1800.00} - - Installment Negative XX/XX/XXXX You have 5 Closed Accounts Account Name Balance Credit Limit Usage Type Status Opened On XXXX/XXXX/XXXX  XXXX   {$950.00} {$600.00} 158 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX XXXX - - - Installment Paid XX/XX/XXXX XXXX XXXX XXXX XXXX - - - Installment Paid XX/XX/XXXX XXXX/XXXX  XXXX  {$0.00} {$400.00} 0 % Revolving Negative XX/XX/XXXX XXXX/XXXX XXXX   XXXX - - - Installment Paid XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BBVA FINANCIAL CORPORATION (FL)

Bbva compass closed my account. I received no notification it was just closed and then when i contacted them in regards to when i will recieve my funds I was given no direct response. I then tried to reach back out XX/XX/2018 and the company blocked my number providing me with a busy signal XXXX everytime I called. I had to call from another number this indicated that the company purposely blocked my number. I will like for bbva compass to return my funds and give me a direct response on when i can expect to recieve it.
Consumer complaint received 2022-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am seeking assistance in the matter of a dispute between all major bureaus and a XXXX XXXX XXXX XXXX XXXXXXXX XXXX payments were sent to XXXX XXXX in the XXXX of XX/XX/XXXX these payments were sent to cover my monthly installment payments on an auto loan. Not only did they receive and confirm receipt of these XXXX payments in XXXX, but a payment large enough to cover XXXX XXXX were also made in the XXXX of XX/XX/XXXX. 
NOTE : XX/XX/XXXX payment was never late. I filed a dispute with the lender directly after several attempts to resolve this countless phone calls, emails, letters, and even copies of my bank statements well enough is enough. 
This is an internal problem with the staff and management of this lender they need to be investigated and possibly sued for damages. Onward I was reported XXXX XXXX late on XX/XX/XXXX after filing my initial dispute they updated the reporting to XXXX XXXX, Well this is still incorrect so I initiated another dispute with all XXXX  bureaus each time the lender has creatively updating my file but never removed or correcting the XXXX XXXX late XXXX notice it showed updated but nothing changed, Transunion noticed the XXXX was changed to XXXX XXXX, XXXX was up dated added how much I paid on my loan each XXXX because I always pay more than my amount due. A XXXX dispute was requested now XXXX is refusing to reinvestigate. I have sent supporting documents showing this is their error. 

Recently they updated my credit report adding a late payment for XX/XX/XXXX XXXX in XXXX causing my fico score to drop further. My account and credit file clearly state for the XXXX  XXXX, I made XXXX on-time payments another error. 
XXXX, Transunion XXXX XXXX have a responsibility to the consumer public to do their due diligence, and that's making sure that information is accurately reported otherwise disputes are properly investigated. 
The terms of my installment loan grants a XXXX grace period therefore I have until the XXXX XXXX  of the following XXXX to make my payments before payment is considered late and a late fee is XXXX, not a bureau reporting. I provided proof these payments weren't late not even to get a fee XXXX This XXXX XXXX XXXX XXXX XXXX XXXX here I am the victim, the victim of XXXX XXXX. As a result of this reporting error and how my dispute has been handled, I am forced to seek further action in this matter and will continue to dispute this account until the reporting is satisfactory. 

The terms of my installment loan grants a XXXX grace period therefore I have until the XXXX day of the following month to make my payments before a late fee is XXXX, not a bureau reporting The balance of this loan is XXXX, not XXXX.
Consumer complaint received 2018-07-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I am beyond exhausted trying to have this problem solved with this company called XXXX XXXX XXXX in connection to XXXX XXXX XXXX. XXXX XXXX XXXX has been calling me threatening me and harassing me regarding a debt I had no knowledge of. After doing extensive research with the hospital I discovered that this debt that they are oppressive about and verbally abusing me for is an account for my underage daughter. ( Under XXXX years old ) This debt that they are claiming that I owe I had insurance that covered that medical visit. XXXX XXXX XXXX has called my workplace, my child 's School Camp, my neighbors and references that were listed on our medical sheet!!! They have called everyone who we'd known at this point except our family pet dog. At this hospital visit I sign a HIPAA form Privacy Act document. XXXX XXXX XXXX has violated our family rights in so many ways that we're ready to sue. At this point this is my last attempt to have this resolved and closed and removed off of my credit reports. I need XXXX XXXX XXXX to provide me the coordination of benefits sheets that provides all the procedure codes and the XXXX code sheet with an original signed document from me the parent of an under-aged child method of verification for this debt. I have currently opened disputes with all the credit bureaus regarding this collection that they have reported falsely on my credit report. I have filed complaints with the FTC and the Better Business Bureau about this and openly willing to share this experience with the media regarding this false reporting. I've called them on several occasions to resolve this and all they have done is yelled at me and oppressed me. I requested that they cease and desist the phone calls and letters they've been sending uncontrollably and they have violated my rights by continuing to communicate with me and this has made my child miserable!! Should they not remove this off of my credit reports I will sue for defamation, Financial injury, and willful injury under the FCRA section 623. I have supporting documents and proof where they violated my rights which I can sue under the fdcpa section 805 ( C ) regarding my cease-and-desist letter. XXXX XXXX XXXX   needs to immediately delete and remove this collection account off of my credit reports otherwise I will move forward with taking legal action against them. XXXX XXXX XXXX also doesn't own this debt and have also violated under the credit laws which were updated XX/XX/2018 regarding Medical collections under the HIPAA Privacy Act. XXXX XXXX
Consumer complaint received 2018-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

STATEMENT On or about XX/XX/XXXX, I used XXXX search to contact the XXXX, Nebraska County Treasurers Office to check on the current status on property taxes my wife and I own therein. I was connected with to the Treasurers Office but it was the section that dealt with automobile taxes. I returned to XXXX   and added real estate to the search specifications and was connected to a official looking web site that requested the address of the property I was interested in obtaining information about, I entered the address and was informed there was a {$1.00} charge to obtain the information. The charge was not unusual, I had paid a small charge to download a property deed previously. I agreed to the charge and gave them my USAA XXXX card number. This is the only charge I agreed to.

After about 2 or 3 minutes, which seemed too long to me, the site presented a summary of the information they obtained. It contained facts about the house- rooms, square footage, etc., some of which were wrong ( I have owned the property for 42 years ) but had no current information on the XX/XX/XXXX taxes due in XX/XX/XXXX. This made me suspicious. The site encouraged me to download more information, including a picture of the house, but I declined. the site then wanted to know if I wanted to view other property or be interested in investing in other property. Now I was sure this was not getting me the data I needed and I closed the site. Unfortunately, I did not think to record the site URL.

I was suspicious enough to contact USAA a day later to check on my XXXX card charges but the {$1.00} charge I had agreed to was not posted. I regret I did not check again before I received my credit card billing showing a charge of {$1.00} made by XXXX on XX/XX/XXXX and also a charge of {$18.00} by the same the same entity on the same date. I complained to the credit card company, USAA-XXXX  thru USAA Savings Bank, and they advised me to fill out a Transaction Dispute Form and mail it in. I did so on XX/XX/XXXX, I also filed Transaction Dispute Forms for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I cancelled my XXXX card because of the inaction of USAA Savings Bank. The bank has mailed me a new card but I have refused to Activate it because the bank is carrying over the fraudulent charges of XXXX to the new card.

I have recently received an e-mail from USAA Savings Bank that they are giving me Temporary Credit for the {$18.00} charge on my XX/XX/XXXX statement but warn that the problem is not yet resolved.

I recently checked on the account and found that the posting of the latest {$18.00} charge the changed posting date from XX/XX/XXXX to XX/XX/XXXX so that it would be included in any new billing. Looks like the bank is aiding the fraudulent claimant.
Consumer complaint received 2018-07-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (IL)

I received an email stating an account was added to my credit report from XXXX XXXX XXXX XXXX, original creditor XXXX XXXX XXXX for the amount of {$880.00}. It was opened XX/XX/2018 and states it's a joint account. I called them and asked for the information pertaining the account and was told it was fraud for a rental property in the state of Texas. They advised me to get a police report. When I looked at the account again on XXXX XXXX the remarks stated " account information disputed by consumer, meets FCRA requirements '' meaning they verified it belongs to me. Which it does not.
Consumer complaint received 2018-07-29
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: Experian Information Solutions Inc. (TX)

Good afternoon. I am currently reviewing my credit report and there are several Inquiries ( 34 ), I do not agree with. There are a few duplicates and several I did not authorize. I attempted to dispute the items online, but the site advises customers to contact Experian at their XXXX number. I contacted them directly XX/XX/18 @ XXXX and was advised I could not dispute the information because they do not have access to dispute inquires.
Consumer complaint received 2018-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

On my most recent statement ( XX/XX/2018 ), I was charged a " minimum interest charge '' of {$1.00} even though my balance subject to interest rate was {$0.00}. I tried to contact Bank of America to dispute this but was unable to find contact information except for a phone number which had a long wait.
Consumer complaint received 2018-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

on XX/XX/2018 i deposited roughly XXXX into an atm on XXXX XXXX XXXX, XXXX, NY XXXX the machine gave back about XXXX then told me to take my card. i then deposited XXXX into the next atm but it didnt show an initial deposit. i talked to the bank and they are saying its going to take 10-45 business days to get my money back. that is too long. I need the funds today this is not fair to me.
Consumer complaint received 2018-07-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK (AZ)

Discover Personal loans placed my loan in a collection account rather than lowering payments due financial hardship. Since it has been in collections the loan has negatively impacted my credit and prevented me from getting an apartment, job and stable means of obtaining work to pay off the debt. 
If possible I would like the collection account removed from the credit score so I can gain stable employment and obtain a place to live. I am also open to other options at the lenders discretion in order to get employment and a place to live.
Consumer complaint received 2018-07-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PMAB,LLC (FL)

PMAB , LLC has submitted false information on my credit report since XX/XX/XXXX. They claim that I owe them {$3200.00}. I'm not, nor do I know the individual whose name is on that bill. I mailed them a certified letter requesting validation of the debt. They received the letter on XX/XX/XXXX but I have not heard anything back from they regarding this issue. They are in violation of my rights as a consumer under the FCRA.
Consumer complaint received 2018-07-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation (FL)

XX/XX/2018 - sent letter to car dealer and loan provider asking them to verify i accurate reporting on my credit file. 

XX/XX/XXXX- sent letters to XXXX , XXXX , and XXXX asking them to remove this from my credit file since i have recieved no reponse. 
after no reponse from loan holder i sent second letter demanding loan holder to provide me with valid documemtaion that they are reporting accurate information on my credit report. 

XXXX XXXX- lender sent me copy of original sales contract and title registeration, but didnt supply me with proof they followed law after repossession is what i requested of them! 


A lender must follow these rules after a vehicle repossession. 
1. A written notice of Sale within 10 days before propossed sale of car.

2. After a car is sold a lender is then required to send a second notice stating the amount that lender credited you from resale as well as a cancellation notice of the original sales contract.

I demanded proof that the repossession was legal in accordance with the UCC : 9-506 Effect of Errors or Omissions 9-611.Notification Before Disposition of Collateral 9-612 Timeliness of Notification Before Dispostion of Collateral 9-613 Contents and Form Of Notification Before Disposition of Collateral
Consumer complaint received 2021-01-06
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. (MS)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!