davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc. (CA)

I have visited XXXX XXXX XXXX XXXX XXXX for an illness in 2016 and there was a bill of amount total {$3600.00}. At that time I was experiencing financial hardship and did not have any income from work and was in the middle of the marriage crisis and divorce. The low income government health insurance plan did not qualify me later until I had the divorce paperwork finalized. And I had been unstable with my living address and changed my cell phone number several times to avoid my ex-spouse harassment. I am not aware that I have an unpaid medical bill until now and the payment had been sent to CMRE FINANCIAL SERVICES located at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, CA XXXX. I had never received any collection letter or phone call from CMRE that I need to pay for this specific medical bill. The collection account had been opened since XX/XX/2016 for 2 years, 8 months. I hope that XXXX XXXX XXXX medical center can dispute my medical bill due to my financial crisis at that time.
Consumer complaint received 2019-05-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc. (NY)

Not mine. Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove. Section 623 states that the creditor can not continue to report it when disputed, unless they have proof to the contrary
Consumer complaint received 2019-05-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (MD)

Caliber Home Mortgage will not rewind to loan modification request and also paperwork that was turned in on XX/XX/2018 and again on XX/XX/XXXX. They have refused our calls and payments. We had a XXXX loan and they advised us to terminate the fist contractor because he abandoned the job. He filed a lawsuit against me and the bank. I retained a lawyer @ {$10000.00} in cost to me, at which time Caliber refused any of our calls or payments. They have sent us foreclosure paperwork. I have no where to go and only want to back payments to be placed in the back of the loan. Also I as told that they received XXXX XXXX in TARP and only used XXXX XXXX. They have not tried to help us at all. Nor take responsibility for th contractors lawsuit causing us to retain a lawyer which I no longer can afford. The past few years, this hardship has cause a separation, XXXX, leav f absence from work. Can you help us keep the house
Consumer complaint received 2019-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VT)

I took out a promotional 0 % interest on my Bank of America card in XX/XX/XXXX that expires in XX/XX/XXXX. I then took out a second promotion of a 1.99 % rate ( {$1800.00} ) through next year ( XX/XX/XXXX ). As my XX/XX/XXXX balance is coming due, I called BOA to ask how to pay off the 0 % promotional balance and was told any payments made would go directly to payoff that 0 % balance. At the advice of the BOA representative, I made an {$800.00} payment on XX/XX/XXXX, then called today, XX/XX/XXXX, to get the payoff for the remainder only to find out that the {$800.00} went to my second promotion because there is a law in place that says it has to payoff any balance with interest FIRST ( even though the 1.99 % rate is benefiting me as a consumer for another year ). So now, if I don't pay the FULL balance to the tune of {$3600.00} ( which I do not have by the way ), I will be charged 30 % interest on {$2400.00} ( $ XXXX/m ) going forward. Please tell me how that helps me as a consumer in not being able to specify where I want my funds allocated for the payment of the promotional balance. Also, tell me where BOA 's responsibility lies in telling their consumers misinformation, and to educate people from falling victim to this scheme.
Consumer complaint received 2019-05-06
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: EQUIFAX, INC. (MI)

I AM FILING A COMPLAINT TODAY AGAINST THE CREDIT BUREAU EQUIFAX. I RECENTLY FILED A DISPUTE WITH THIS CREDIT BUREAU REGARING A CREDIT CARD THAT WAS OPENED DUE TO IDENTITY THEFT. I FILED AN IDENTITY THEFT REPORT WITH THE FEDERAL TRADE COMMISSION AND SEND THIS INFORMATION TO EQUIFAX INCLUDING A COPY OF MY DRIVERS LICENSE, SOCIAL SECURITY CARD, PHONE BILL, AND A LETTER ASKING EQUIFAX TO BLOCK THIS INFORMATION FROM MY CREDIT REPORT UNDER THE LAWS OF SECTION 605B OF THE FCRA. TODAY I CONTACTED EQUIFAX TO FOLLOW UP ON MY DISPUTE AND WAS TOLD THAT MY DISPUTE WAS REJECTED AND THAT EQUIFAX DOES NOT BLOCK FRAUDULENT ITEMS FROM CREDIT REPORTS. I AM NOT SURE WHY EQUIFAX IS NOT ABIDING BY SECTION 605B OF THE FCRA BUT THIS IS CAUSING ME SERIOUS FINANCIAL HARDSHIP BECAUSE I AM TRYING TO CLOSE ON MY HOME MORTGAGE. EQUIFAX IS IN VIOLATIONS OF THE FCRA AND I AM EXPECTING A RESOLUTION.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Fraudulent information is linked to my identity. Accounts and transactions were wrongly attributed to me without consent, causing distress. I'm an identity theft victim and have reported this. This urgent issue is harming my finances and reputation. Remove all fraudulent information from my credit report quickly and investigate thoroughly. I'll provide evidence and may take legal action if needed.
Consumer complaint received 2019-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

Temporary lifted security freeze at all 3 credit reporting agencies. XX/XX/2019 to XX/XX/2019. Made my new car purchase on XX/XX/2019. Contacted all 3 companies to reinstate freeze, but Experian made it impossible. Other two companies EXCELLENT in process. But when you try to contact a human at Experian, it is next to impossible at both XXXX or XXXX pushing the old 00000 got you no where and saying " representative '' didnt work either. Once human contact was made, was advised I had to honor the dates requested leaving me wide open for fraud. Refused to assist or give me supervisor and eventually hung up. NO COMPANY SHOULD HAVE THIS POWER WITHOUT RESTRICTIONS!
Consumer complaint received 2019-05-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

As stated in the last complaint Capital One continues neglect me as a consumer. I have been battling with them since 2017 about my accounts and how I need them to update things, so I could have access to pay my bill. The employees refused to be sensitive to my pronouns and name change as result my account was closed after years of torture from this credit card company I'm still left with a punishment and a persistent reminder. I got a response my first complaint today, which just a apologize and a justification for what has happened to me over the last few years. On top of that XXXX from the excutive office called today and told me that I wouldn't have an issue with login any more. I said that's great but what about my account being closed she said she would look into it but it would be hard reverse. I have two accounts one I recently paid off and what no one told me is that account was technically closed too. I want my accounts back open, I deserve that. Before my mobile app stopped working I was paying my bills on to time. No one should have go through what this company continues to put me through. I don't know if it's because I'm XXXX or because they are XXXX and XXXX   but this continues even after an apology from them. I want my accounts reinstalled this is cruel.
Consumer complaint received 2019-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XX/XX/2019 two legal fees were posted to my account, I called Bank of America to ask what the fees were and why my account was wiped out to a {$0.00} balance, the representative did not have any information and I was told to call back the following day. I called back and was told they were legal fees and I asked for what, she didn't know but would check. After checking I was told it was court fees. I asked court fees for what, she says its a garnishment. I asked her to send the information to me so I can find out what's wrong, she said ok. My pay check gets direct deposited and I attempt to pay my bills but no, everything is declined. I call and am told the account is set deposit only, I can't do anything with my account except deposits. I wait for a notification or letter explaining what is going on. A week goes by and nothing, so I order a new debit card thinking someone may have gotten to our account. I receive the card on XX/XX/2019 and activate it and the next day try to use it to a decline even though there was an available balance of about {$810.00}. I call the bank again, explaining everything to the representative, she transfers me to their collection department. This representative checks the account and said there are no notes but she would check with someone who has full access to my account, after going on and off hold for about 45 minutes they were unable to determine what's going on and she was unable to get through their legal department, the same issue I have had contacting them. The other person she had on the line released the account and said it could take about 24 hours to run through the systems, but her system shows it accessible now. Next day I get a few things at the store but couldn't use card as debit, apparently they had changed my pin number to a six digit which I received in the mail the same evening. So I submit an electronic check to XXXX so my phone didn't get disconnected, It went through, at least I thought. Monday morning I received my standard balance message and it was about {$650.00}, sometime about XXXX or so I receive a balance alert of {$0.00}. The bank this time places my $ XXXX on a hold with no explanation, and now they have returned my phone payment as non payable. So I'm now on line for a return fee and they pulled out another legal fee of $ XXXX leaving everything still on hold. I'm on the verge of eviction, power being shut off and phone off. Yet still no letter explaining anything, nothing about fees ... XXXX.
Consumer complaint received 2019-05-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

Got a national Credit System collection on my credit, I give written notice to the creditors bureaus for a debt validation and the results were that the only one deleting the account was XXXX, write a second and a third time for a reason, validation, and deletion with no answer. 

XXXX XXXX XXXX Opened on XX/XX/XXXX. Last reported XX/XX/XXXX Amount XXXX
Consumer complaint received 2019-05-08
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery Assoc. calls my job daily some days up to 3 times a day asking for me after we stated this is a work place and to not call the company back. Too many dates to name it has been happening on the daily for past couple months and now its affecting my job due to the sales department has to answer all calls so not like we can ignore the call. But my job is upset with me because of it!
Consumer complaint received 2019-05-08
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. (NY)

This account is mine. Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove. Section 623 states that the creditor can not continue to report it when disputed, unless they have proof to the contrary
Consumer complaint received 2019-05-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC (NM)

Heartland XXXX has predatory fees associated with any payment not made by mail or automatic bill pay, the maximum frequency of which they allow is quarterly, which increases their profit margin by necessitating that interest have 3 months to accumulate between payments lest you incur a fee. Examples of such fees are {$1.00} per each online ACH payment, {$10.00} per each ACH payment by phone, 3.95 % of payment plus {$1.00} for each debit or credit card online payment, and 3.95 % of payment plus {$10.00} for each debit or credit card payment by phone. As such, I signed up for automatic ACH bill pay, the first payment of which ( {$120.00}, total amount due ) was supposed to go through on XX/XX/XXXX, the due date of my first loan to exit grace period. Despite the fact that I had enrolled in said bill pay weeks in advance, Heartland did not withdraw any money from my account on the specified date, and instead pushed back the due date displayed for the account on their website by a month. When I contacted customer support about this, I was informed in writing ( through their live chat service ) that the actual due date was XX/XX/19, despite multiple written invoices I had received to the contrary. When I confronted the customer service representative with the discrepancy, and asked if he could guarantee that no late fees would be processed to my account, he immediately hung up on me. When I entered the live chat again I was assigned the same representative who proceeded to completely ignore me and refused to transfer me to another representative or manager. A month later I received an invoice saying that I owe a late fee ( {$6.00} plus interest ) for payments not made by XX/XX/XXXX, despite the fact that I had correctly enrolled in automatic bill pay, which is the only free online payment service, and it was the company that never attempted to withdraw the money from my account, therefore not honoring their stated policy of allowing free automatic ACH payments. The only way I can pay this outstanding bill without incurring yet another fee is by mail. I believe that Heartland XXXX intentionally failed with withdraw money from my account in order to fraudulently incur a late fee, I believe that their customer service representative intentionally misled me to believe that I did not owe any money again in order to fraudulently incur a late fee, and I believe that their website " due date '' feature intentionally misrepresented the actual due date of funds ( changing magically from XX/XX/19 to XX/XX/19 ) again in order to fraudulently incur a late fee.
Consumer complaint received 2019-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXXXXXX pulled my credit report. I never had a XXXX XXXX XXXX product. I called and they said they cant tell me who pulling my credit to contact the credit bureau. I want them blocked from pulling my credit. XXXX XXXX XXXXXXXX has no right doing a inquiry on my credit if i didn't apply for anything.
Consumer complaint received 2019-05-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

We have water damage to our home and the insurance company made the check payable to Pennymac and the flooring company. After several months the mortgage company is still refusing to endorse the check over to the flooring company. We ( myself and the flooring company ) have done everything the mortgage company has asked. The mortgage company keeps saying one thing and then changing things the next time you call. they even told the flooring company that they called me and I cancelled an inspection of my house and that is why they could not endorse the check. NO ONE from the mortgage company has EVER called me. This is so frustrating and I have spent way to much time dealing with this company.
Consumer complaint received 2019-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (GA)

Amex notified me 2 months ago that my account is late with a past due balance. I asked them which transactions made up that past due balance. They said that they could not help me. Being that this is a corporate card, I reached out to my company who after a lot of back and forth via emails was able to identify the transactions. These went back to XXXX and XXXX. I paid Amex for the transactions I could identify. However, I could not recognize some of the other transactions. I called the vendors and asked them for receipts ; however, this being 5 years ago they could not help me either. So, I called Amex several times asking them what my options are, and that I wanted to dispute these charges. Instead of helping me in any way, they also slapped me a delinquency fee of {$15.00}. I have an unblemished credit history always paying my accounts on time. However, they have now tarnished it. The only way to communicate with Amex is by speaking to their outsourced reps residing outside US who have very limited authority and knowledge. They do not have any US based customer care line that I could find. So, I am complaining here. 
If they had brought these late transactions to my account 5 years ago and not now, this would not have even been an issue.
Consumer complaint received 2019-05-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: PENTAGON FEDERAL CREDIT UNION (NE)

I applied for a debt consolidation loan online through penfed.org. Once I seen that it was approved I was not happy with the interest rate so I didnt accept the loan. I noticed online it was listed as an open account under my accounts. I called and spoke with someone and was told that it was there for applying but since I didnt accept it the loan would eventually not show up. A about a week later I received a check in the mail for the amount of the loan I applied for ( {$18000.00} ). If cashed it would be accepting the loan terms given so I shredded the check. Today ( XX/XX/19 ) I received an email stating my loan payment was past due. I called the number attached in the email and spoke with a lady stating that if I got the check then I am responsible for the payment. I then asked how you can expect payments from me for a loan that I never accepted nor had access to the funds. She placed me on hold and when she got back on she stated she put in a request to have the loan cancelled and to call her back on Friday to make sure. At this point I as I am aggravated that she is expecting me to call back to follow up to make sure she does her job. I asked her if that is normally how they do business, she says I dont know I am just in collections. At this point I am searching for the Penfed location near me but only come up with a XXXX number. I decided to call that number to discuss what has happened. The gentleman on the phone was very rude and unwilling to help me. Stated that there was nothing he could do for if I didnt give him my social. All I was asking was their procedures. Then I asked how to file a complaint and he states online. I said ok online and then what? On our website under help and it will take you to a form. I hung up and was growing even more irritated. I finally found the number for the XXXX location and called to speak with a Manager there. She was really apologetic but doesnt take away from the fact that they underwrote a loan that I didnt accept. She stated that is how they do it not wanting to make the customer wait to receive their check for their loan and upset the customer. I asked who they reported to since they are a credit union. She told me her vice president and I then asked federally. She told me NCUA and I started there for my complaint. I want this to be known how they are conducting business and also want this off my credit report as a delinquency. How can they continue to be in business if this is how they treat their members.
Consumer complaint received 2023-04-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A. (MI)

In the past year, I have had different incidences of identity theft. Due to these incidences, back in the spring of XXXX, I put a credit freeze on all of my credit reports along with putting a freeze on XXXX to prevent bank accounts from being opened in my name. I also put identity theft alerts at these entities. 

COMPLAINT : Today ( XX/XX/XXXX ) I found out that XXXX accounts ( checking and debit ) were opened at Citibank AFTER they had contacted XXXX. I verified with XXXX that the freeze was in place. The rep at XXXX stated they can only report- they can not guarantee what the banking institution will do after they receive the XXXX report. I am angry and frustrated that I have done all I need to do to protect myself yet Citibank is not doing their due diligence to protect me.
Consumer complaint received 2019-05-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I had my identity stolen in XX/XX/XXXX. The thieves opened 2 credit line accounts with XXXX XXXX. I found out in XX/XX/XXXX. Had a police report made and notified the the 3 Credit Bureaus. All of them is such a difficult thing to get help. almost impossible. The websites aren't clear as to what to do. The numbers they provide are not right, as they are automated and no way to speak to a person. In special with XXXX, I filed a dispute, notified them of the identity theft back in XX/XX/XXXX, printed a report with the information and as of today, XX/XX/XXXX my credit is still showing the derogatory information. 
It is absurd what a person has to go through after being victimized by thieves. Something needs to be done about these companies. Trans Union is the same thing. I notified the 3 of the fraud, yet, I had to spend the day talking to them.