davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-12
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK (IN)

Discover has been charging me 29.99 % interest for the past five years, because I made a late payment in XX/XX/XXXX. Since that time, I asked them to lower the interest, and they did for a brief, temporary period, but then they returned it to XXXX. They explained that they " had '' to raise it again because lowering it was just temporary. Since that time, my daughter was diagnosed with an XXXX, I lost my job, and I sustained XXXX. I was unemployed from XXXX to XXXX of this year ( I am XXXX ). When I explained to Discover that I was struggling to meet their very high interest payments because I 'd lost my job, they replied that if I 'd lost my job, I was a worse credit risk, which was all the more reason they should leave my interest rate at the highest level. I ca n't imagine that charging me this rate over this period of time is legitimate.
Consumer complaint received 2016-09-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: N.A.R., Inc. (TX)

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 

Thank you, XXXX
Consumer complaint received 2016-04-22
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Esser, James & Associates (FL)

Esser James and Associates, LLC is attempting to collect a credit card debt. This company has my current address and phone number. Despite having this information, they are contacting my mother, sister, and uncle and leaving messages " that I have pending legal matter '' and need my attorney to call them right away to resolve the complaint. 
When I contacted the collection agency, I was told by an agent and a supervisor that they had every right to call third parties. There are NUMEROUS complaints on the web about this company calling and leaving messages about " pending legal matters '' with family and friends. Esser James and Associates must be held accountable for violations of the FDCPA.
Consumer complaint received 2015-06-15
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (MN)

Apparently I was provided as a " reference '' for an auto loan for a friend. To my recollection I was never contacted for the reference. Now the person with the loan in behind on payments and this company called me XXXX to have him " contact them ''. The first time I thought it was because I was the reference and the loan was just being initiated. The XXXX time I found out that they must be behind on payments. I did n't sign up for anything and they should n't be calling me.
Consumer complaint received 2023-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (TX)

The American Express Marriott Bonvoy Brilliant credit card offered a {$300.00} credit per membership year for purchases made at Marriott hotels. On my statement with a closing date of XX/XX/2022, I received an " Important Notice '' from American Express that stated, " Effective XX/XX/2022, the {$300.00} Marriott Bonvoy statement credit benefit will no longer be available. It will be replaced with a new benefit of up to {$300.00} in statement credits per calendar year ( up to {$25.00} per month ) for eligible purchases at restaurants worldwide. You will have until XX/XX/2022 to use the {$300.00} Marriott Bonvoy statement credit benefit made available on your account opening date or last account renewal date. '' My account renewal date was XX/XX/2022. I made a Marriott Bonvoy purchase of {$310.00} on XX/XX/2022 at XXXX XXXX  EST, for which I have a receipt. Marriott  refused to give me a {$300.00} Marriott Bonvoy statement credit. When I called American Express, the representative refused to issue a credit, claiming that I " wasn't eligible for a credit between XXXX, '' which is in direct contradiction of the terms provided to me and cited above.
Consumer complaint received 2015-10-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (AZ)

I am new to XXXX and staying in phoenix. I reached XXXX on XXXX XXXX 2015 and I immediately opened an account with XXXX XXXX XXXX as well as applied for a credit card through them which I got after approximately 30 days. 2 weeks back I had applied for a car loan XXXX and approved my loan immediately but later on I was told there is some problem as the address which I have provided on my application does not match with that that on my credit report. I thought some problem will be there and they will come back to me which they did not. After which I applied for an auto loan with XXXX XXXX XXXX and got an approval from them immediately with APR of around 2.5 % and they also send a credit score of XXXX which for me was very high as I did not have any credit card or loan or any credit history but any ways I before going to dealer I just thought of checking the same with them once more and I got to know that there is a problem as again the address which I had provided does not match with XXXX my credit history. I went to XXXX XXXX XXXX and told them the problem. The banking associate XXXX called the loan department in front of me but they said they cant talk to him and insisted on talking to me and again they told me the same problem. They told me it is address of a place know as Surprise which near to phoenix. I never stayed in Surprise. I just did a random search on XXXX and found there is a person with the same name as mine staying there and I am sure his credit information is appearing on my credit history inspite of the fact that my SSN is being used for pulling out credit history. The dealer which I had visited also told me that it looks like there is a same person as you are in Surprise location. I am not attaching any documents as I am not able to pull my credit report as they say my SSN does not match with the address I have provided whereas XXXX XXXX XXXX, XXXX and my dealer could pull the credit history and could see there is a big mismatch.
Consumer complaint received 2023-08-21
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WV)

I have called every day for the past two weeks and I have gotten no straight answer. I have sent my social a cover letter my drivers license. Equifax is making it impossible to lift my fraud alert and Im trying to move forward to buy a house. At this point Im at a stand still. I sent a fax at least ten times. Starting on XX/XX/11. They say my file doesnt exist. That they cant verify my identity. I am beyond frustrated and every time I call they say something different.
Consumer complaint received 2017-03-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Community Health Investment Company, LLC. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, XXXX XXXX PROFESSIONAL ACCOUNT SERVICES Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PROFESSIONAL ACCOUNT SERVICES I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX , XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, XXXX XXXX
Consumer complaint received 2015-03-30
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: DRS Financial LLC (MD)

Collection Agency Abuse of Powers. 
Capital Collections has reported XXXX collection of medical co-payment and both the payments were made in full on XX/XX/XXXX, immediately when I was notified. ( Account # XXXX and XXXX ) Recently, ( XX/XX/XXXX ) I had contacted Capital Collections requesting to delete the collections from the report since, this something that happened due to my unawareness and payment was made immediately when we were notified. I am in the process of buying a home and I spoke to Manager, XXXX XXXX at Capital Collection, he was intimidating and refuses to delete an account that is paid in full 5 years back. This was minor amount my medical co-payments. XXXX XXXX was rude, intimidating and threatening in his tone and cuts telephone during conversations. I have attempted to speak with him several occasions. This is absolutely abusive of power. We have many agencies that are deleting minor accounts that has less amounts and are paid in full. XXXX XXXX representing Capital Collections did not exhibit any behaviors in line with federal Fair Debt Collection Practices Act. I need help and hence reporting. 
Sincerely, XXXX
Consumer complaint received 2015-06-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX for ( XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX ( formerly XXXX XXXX ) are listing my accounts as Charge Offs when these should have been discharged in Chapter XXXX Bankruptcy on XXXX/XXXX/2015. They need to correct all XXXX CRAS.
Consumer complaint received 2016-11-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Card Receivables Fund Incorporated (NY)

To my recollection XX/XX/XXXX Unifund CCR Partners seized money that I had in XXXX. I never received any notice or certified mail regarding any type of court dates. The debt was not owed to them directly. They bought the debt from XXXX. Then XX/XX/XXXX they garnished wages from my employer. To date they 've taken over {$3000.00}. I was recently contacted and notified that I was part of a class action lawsuit against Unifund CCR Partners because of their illegal and unethical business practices. Which is exactly the case with me. I won a very small amount because of the number of claimants. But nevertheless, I won the case against them.
Consumer complaint received 2016-03-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANKUNITED, NATIONAL ASSOCIATION (FL)

1. I believe the bank is knowingly sending out mortgage statements late. Last month it came on XXXX XXXX for Payment XXXX XXXX XXXX. ( was told 3rd party does mailing ) 2. Is assessing late charges for bank error. 
3. Is deliberately dismissing complaints by making it impossible to get assistance by phone through their Customer Care line. Must write for assistance. 
4. Sending out form letters denying customer issues without looking into the situation. 
5. Takes no responsibility for even the possibility of a bank mistake 6. Has a policy of " stonewalling '' the customer so they can not resolve an issue 7. Does not call customer when requested to do so 8. Has no one available at the branch to advocate for client - local banks have no mortgage information and can only contact Customer Care on client 's behalf. 
9. Claims they post payments on the day they are received ( I hand delivered a payment on XX/XX/XXXX to the branch - but the payment was not posted until 5 days later. )
Consumer complaint received 2016-01-02
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc. (NC)

In XXXX of 2014, the Consumer Finance Protection Bureau implemented rules for mortgage servicers that state that : " Periodic payments must be promptly credited as of the day of receipt. A periodic payment consists of the amount necessary to cover principal, interest, and escrow. '' My monthly mortgage payment according to my contract is {$610.00}. On XXXX XXXX, through XXXX I sent a payment of {$800.00} that was accepted by Dovenmuehle but never posted to my account. On XXXX XXXX, through XXXX I sent a payment of {$700.00} that was accepted by Dovenmuehle but never posted to my account. On XXXX XXXX, through XXXX I sent a payment of {$710.00} that was accepted by Dovenmuehle but never posted to my account. So for three months I made payments that were more than my required periodic payment amount but Dovenmuehle intentionally did not post them to my account in accordance with CFPB policy. 

Also, in the XXXX 2014 rules posted by the CFPB, it states : " You can not make the first notice or filing for any judicial or non-judicial foreclosure process until the consumer is more than 120 days delinquent. '' If Dovenmuehle had properly complied with the CFPB rules and credited my account, they would find that I am not, nor have I ever been 120 days delinquent. As a matter of fact, at the time I made my XXXX XXXX payment of {$710.00} that placed me roughly {$200.00} behind in payments plus some late fees. Not even a full periodic payment as stated in my contract. 

I have continued to reach out to XXXX and their representatives, advising them of their violations of CFPB rules but they insist on moving forward with foreclosure without properly posting my payments to my account and despite me not being 120 days delinquent.
Consumer complaint received 2016-11-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

I am filling this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.
Consumer complaint received 2015-10-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (FL)

This is on all XXXX credit bureaus. On XXXX XXXX I traded in a Subaru for a Mitsubishi. Some reports have that I have XXXX car loans, I have XXXX. Under each of the reports inquires they have listed XXXX XXXX XX/XX/XXXX14- XXXX XXXX XXXX XX/XX/XXXX/14- XXXX XX/XX/XXXX/14-XXXX XX/XX/XXXX/14-all XXXX XX/XX/XXXX14-XX/XX/XXXX XXXX XXXX/XXXX/14 Where I purchased the car XXXX XXXX/XXXX/14 Which is my loan company XXXX XXXX/XXXX/14 It is my understanding that there should only be one loan inquiry for this purchase. This greatly effects my credit and my score
Consumer complaint received 2016-03-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Vermont Student Assistance Corporation (CO)

I have a student loan debt with Vermont Student Assistance Corporation ( VSAC ) and have been increasing my number of payments from monthly to weekly for several months as well as paying more than the monthly minimum payment. I worked with VSAC to set this up and they have allowed any extra payment over minimum per month to be applied to principal on my highest interest consolidated loan. This has been working very well and I am able to make more of an impact on paying the loans off. I received a call last week for a VSAC employee informing me I would no longer be able to do this because it puts an administrative burden on them to process payments this way ( ie, they do not want to process weekly payments instead of monthly with extra going to principal ) AND I would have to now make a phone call to them each month to have the extra applied to principal on the highest interest consolidated loan. I believe this goes against their stated policy that " You may prepay all or a portion of your loan ( s ) at any time, without penalty. '' Bottom line, by not being able to have weekly payments applied the way I have been, I believe they are preventing me from paying my loans faster.
Consumer complaint received 2016-05-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Atlanticus Services Corporation (MI)

Fortiva financial is claiming i owe them over {$500.00} i went for a consultant at XXXX but never had the XXXX. The total cost for this was over {$2000.00}. Fortiva understood and credited the account all but {$580.00}
Consumer complaint received 2016-02-12
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Resurgent Capital Services L.P. (RI)

I received a letter stating I owed a debt. I sent a debt validation letter back and did n't receive validation but did receive another letter for debt payment. I clearly stated in my validation letter not to contact me or continue to try and collect without validating the debt.
Consumer complaint received 2016-05-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION (CA)

I purchased my house using a conventional loan in XXXX XXXX and decided to refinance it with XXXX XXXX bank. The broker at the time offered me an adjustable loan with the options of paying the minimal, interest only, or the full amount ; however, during our discussion he was less than transparent when I accepted the adjustable loan and did not inform me of the consequences of just paying the minimal, interest-only or the full amount when making my mortgage payment : to my dismay, {$1000.00} was attached to my principal balance each month when I paid anything accept the full amount with an interest rate of 8.75 percent. 
To my shock and disbelief, I was devastated to find this out! My mortgage loan went from {$240.00} and accumulated to {$260.00}. That was an increase of {$20000.00} dollars attached to my principal balance, better known as negative amortization. In XXXX at the beginning of the recession XXXX XXXX sold my loan to IndyMac. I applied for a loan modification and worked with IndyMac for more than a year to modify my loan to a more affordable rate. However, IndyMac consistently delayed the process over and over again stating that I did not file the necessary documents in spite of me sending them the same documents they requested over and over again. Eventually, I just gave up trying. 
Subsequently, I tried to short-sale my home and IndyMac also denied a short-sale. While losing my job IndyMac still refuse to work with me in granting a solution to enable me to keep my home. I also tried XXXX XXXX, and all other advocates to help me keep my home to no avail. 
Because my home is not under XXXX or XXXX XXXX, no financial institution was willing to work with me to refinance my mortgage. Therefore, the only option that is left will eventually lead to foreclosure of my home that I lived in for over 11 years. As a veteran, who served his country for XXXX years, I am simply appalled how these financial institutions " thank me for my service '' by using unethical and predatory lending practices to cheat and fill their pockets of veterans ( and citizens ) with hope that the borrower will foreclose on his/her property to collect the insurance benefits and resell the home at market value to increase their profits XXXX folds.
Consumer complaint received 2015-09-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BROKER SOLUTIONS, INC. (CA)

We refinanced through the HARP program into a 30-year fixed rate mortgage. After a history of paying our mortgage in a timely manner, the company decided to accept payment itself rather than have another company collect payments. When claims of late payment came starting in XXXX, I called and supplied proof that all payments due were made in a timely manner, and received. Nevertheless, they continued to harass us with late payment notices and fees. We allowed them to do automatic deduction from our account to make future payments trouble free while we clarify the history. Though we made the XXXX 2015 payment in XXXX, they took another payment on XXXX XXXX for the XXXX payment. And even though we supplied information again to prove we had paid, they refuse to refund the {$2000.00}. 
Also, I had paid off the year 's insurance and asked them to reduce the monthly amount due because our escrow account need not provide for insurance. Instead, they increased the monthly payment due. I am not sure if we were taken advantage of in this respect.
Consumer complaint received 2016-05-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (CA)

I cancelled XXXX service after 2-year commitment period, but XXXX wrongly charged me an " early '' termination fee ( approx. {$85.00} ), which I disputed. 
XXXX and AFNI reported the " debt '' to credit agencies, including XXXX, and has lowered my ( previously ) excellent credit score.