davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

We are trying to Refinace our mortgage with our bank in our home town, and Beneficial ( my current mortgage holder ) will not produce the proper papers to show payment history. We have been fighting with this company for years and requested this paper work on XX/XX/XXXX. Had a conference call with them yesterday XXXX XXXX were they told us and the XXXX XXXX XXXX bank collector that in XX/XX/XXXX, we missed XXXX payments! There is only XXXX months in a year ... But then they said for XXXX months all of our payments were past XXXX days late! Th n it was said again by beneficial that it was because we were in bankruptcy ( our mortgage was NEVER in the bankruptcy, we continued to pay them our selves. After a year of us being in our bankruptcy beneficial decided to punish us by taking away all of our online access to our account, we could no longer view our account we also requested that they prove to us we were late and were told that they could n't release any information to us about our account! So now they know, as I have made it very clear to them that we want out from under them. Now they have made me lose a business opportunity ( as that loan was going to get rolled into our new mortgage ). I have been out of work since XXXX and am having surgery tomorrow and have now been put into a financial crunch because I no longer have an income and will not be able to work for at least another XXXX months.
Consumer complaint received 2017-03-28
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. (TX)

I received a letter from Afni , Inc in 2016 requesting payment for debt so I asked them in writing to provide me with a breakdown via USPS mail of what I allegedly owe as well as documents from account # XXXX with my signature agreeing to this account as I suspected fraud. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
Consumer complaint received 2016-08-23
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Union Credit Corporation (GA)

I received a {$650.00} bill on XXXX/XXXX/XXXX and a {$210.00} bill on XXXX/XXXX/XXXX from XXXX XXXX XXXX. I was unable to pay when due so they were turned over to Union Credit Corporation XXXX, GA. Union Credit Corporation opened XXXX individual collection accounts that appear on my credit report, when they should have only opened XXXX collection accounts. The debt was been paid in full on XXXX XXXX, XXXX. My Experian report dated XXXX/XXXX/XXXX still shows XXXX open collection accounts with a balance of NaN. I am attaching a copy of the XXXX bills, the pages of my credit report reflecting that XXXX collection accounts were opened and reflecting the XXXX open collection accounts. I am also attaching a complaint that I filed with XXXX XXXX XXXX on XXXX/XXXX/XXXX regarding my horrible experience with Union Credit Corporation. The complaint that I filed with XXXX XXXX XXXX should outline why I am unable to professionally deal with Union Credit Corporation. Please note that I do see XXXX complaints have been filed in the past against Union Credit Corporation with the XXXX from other consumers.
Consumer complaint received 2016-05-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (VA)

XXXX XXXX from this agency called to collect an amount that he claims I owed to a prior landlord. This amount is in dispute. The landlord engaged in deceptive business practices and violated the XXXX XXXX XXXX by failing to provide services such as running water. XXXX XXXX repeatedly attempted to question me after I requested that he stop asking me questions. He threatened me with negative action against my credit rating and implied that other bad things would happen to me and my credit. Again, I told him that I was in a legal dispute with his client, but that did not keep him from harassing me with additional questions.
Consumer complaint received 2016-05-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Utah System of Higher Education (LA)

My loan was purchased by XXXX from XXXX in approximately XX/XX/XXXX. I received a loan payment disclosure statement on XXXX/XXXX/16 that stated my interest rate was 6.8 %. However, the loan had an interest rate of 5.8 % at the time it was purchased. I contacted XXXX about this and they gave me instructions as to the documentation I needed to provide to prove the correct interest rate. I sent the documentation to XXXX on XXXX XXXX, 2016 via email as they requested. 

Since then, I have called approximately 5-6 times to get a resolution on this matter. Two months have passed and there has been no response via email, snail mail or phone. Each time I call, a representative has told me that they are processing it. However, I have not received any confirmation from the company that the documentation was received ( no reply to the email ), nor has any representative followed up with me to update me on the status of my request. All the while, my loans are being charged the higher interest rate. The stalling and delay tactics are extremely frustrating and obviously I will not pay the higher rate and expect to be credited the difference in the interest amount charged at the higher rate.
Consumer complaint received 2016-11-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P. (WA)

I checked my credit about 2 years ago and found a collections for XXXX. I called and the conclusion of the conversation was that this was not my bill. I never lived in the address that the service was provided, and so it was taken of my credit. I checked my credit on XXXX XXXX and there it was again, but now it 's Southwest Credit. I tried phoning but it said that this number was not taking calls right now. I deputed the debt with XXXX and was told that this is a correct debt and I owe the amount. The funny thing is I never received any kind of collection bill from Southwest Credit until I desputed the debt and then within 1 week of the result from XXXX I received the first bill.
Consumer complaint received 2016-11-03
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (KY)

XX/XX/2014 my sears credit card had a balance. On the day payment was due, I received a text as a reminder. The following day I called sears to pay the full amount due, as well as confirm that there would n't be a negative impact on my credit report. The woman I spoke to told me that there was a 30 day grace period, which I was well within, and that if I had been late past that period, that they have a " one time '' late payment forgiveness. At the end of the conversation I confirmed there were not late fees assessed, and she said that it would n't show up on my credit because it had n't been reported as a late payment. Since then I have pulled my credit report for 2 years in a row and it has been reported as a late payment. I have submitted multiple disputes with the credit bureau 's which come back as updated, however when reviewing the dispute results the negative information remains unchanged.
Consumer complaint received 2016-03-08
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (CA)

Re : Midland Funding , LLC Debt Amt : XXXX Paid, Settled Amt : {$1400.00} Reason : Has not removed lawsuit submission, has not sent a letter that the account has been paid, settled, continues to bill me for {$1600.00}. 

I found out about this debt while looking up my name in the XXXX Superior Court case information website. 
I contacted Midland Funding , LLC ( phone number listed on case XXXX ) and was connected to a representative, who threatened that legal action would be pursued if this debt would not be cleared. She stated that Midland Funding LLC would accept a negotiated amount of {$1400.00} to clear this debt, if it was paid in 2 days. 
I paid {$1400.00} to Midland Funding in XX/XX/XXXX, over the phone. 
Midland Funding LLC stated that they would send a resolution letter within 1 business week, stating that the account has been settled. They also stated that the lawsuit would be dropped. This is the 3rd business week, and I have not received a resolution letter & the lawsuit is still in place. Three weeks after settling this account in full, I received a letter stating that I still owe {$1600.00}. When I called XXXX, they could not provide answers regarding both the lawsuit and the correspondence letter which was suppose to be sent.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021
Consumer complaint received 2023-09-26
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Post Lake Lending Inc. (OH)

I received an email from this lender, as I previously had a loan with them, and they were advertising a pre-screened offer for returning customers. I clicked on the link in the email to look further, not realizing until afterwards that it automatically applied for a loan, which was not the intent, nor was it disclosed that clicking the link automatically applies for a loan in your name. I was instructed later to call this lender, so I did. I let the person know that I did not intend to apply for said loan, to which he did not respond directly to. He stated I was denied, and 10 days later I received an email stating I was denied for income limitations. My income had not changed from the first loan I was approved for. There was no verification of income as there was for the first loan application. When I called to inquire why I was disqualified by my income, no information was given. In fact, I was transferred multiple times, left on hold for exorbitant wait times, and generally given the run-around. This clearly was a shortsighted attempt to cause me to get frustrated and give up. Now, today XX/XX/26, I spoke with them and moments later another denial came to my email box, as if they submitted yet another application in my name fraudulently. I suspect a lot of fraud and predatory lending practices from this company, as they are a Tribal lender and unfortunately, unregulated in a lot of their practices.
Consumer complaint received 2015-05-08
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY (OR)

Last XXXX my wife applied for an American Express card through XXXX. Instead of assigning her name to the card, American Express assigned my name and information. I did n't know about this until I reviewed my credit report earlier this year. This impacted my credit rating in XXXX ways ; ( 1 ) a hard credit inquiry, ( 2 ) an impact to the amount of my outstanding credit, and ( 3 ) a reduction in the average age of my credit cards. 
I submitted a complaint to the Oregon State Atty. General, and have received a reply from American Express ( Amex agent XXXX XXXX, XXXX ), but am not satisfied with the tone of the letter ( 1 ) implying that they are assisting me as if I was the cause of the problem, ( 2 ) in not providing any explanation as to how they will prevent such actions from happening in the future to me or others, and ( 3 ) assurances that my good credit has been returned to the level it would have been had Amex not taken such aggressive liberties with my excellent credit and Identification. 
I take my credit rating very seriously, and try to maintain my credit score above XXXX, and have never been late on a payment. As such I take considerable offense when a company such as Amex is cavalier in abusing my credit, and essentially stealing the use my identity for their monetary gain!
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (GA)

I contacted the three major credit reporting agencies. I explained that I am a victim of Identity theft. I provided them my police report, DL, Social security card, FTC report, and now asking your agency to get involved. Some how all my credit profiles, are locked with the three major credit reporting agencies. I believe the individuals who stole my identity placed a lock on my profile. I need those lock removed.
Consumer complaint received 2015-05-18
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: AMERICAN EXPRESS COMPANY (FL)

I changed cable companies after XXXX installed their qqequipment on my neighbors roof and their bill eas XXXX times what had been agreed upon.I signed no contract, but noticed on my next American Express statement XXXX had charged XXXX on XXXX XXXX and XXXX more the very next day.I immediately disputed the charge with American express who also assured me XXXX would not be permitted to charge my Amex account again.They charged XXXX the next month and XXXX the following month.I agai disputed the charges, which Amex had said would n't be permitted to be even added to my account.Amex has sided with XXXX in my dispute .How I ACCRUED 850 DOLLARS IN CABLE FEES IN XXXX MONTHS IS BEYOND ME, BUT American EXPRESS STOPPED ME FROM CANCELLING MY CARD WITH ASSURANCES XXXX COULD N'T ROB ME ANYMORE.Amex decided against me before they even got my letter disputing the charges.I had no contract with XXXX and the flier they sent only had XXXX XXXX early termination fee with contract, which I never signed.American Express allowed an unauthorized transaction they had full fore knowledge of from XXXX XXXX when I made my initial dispute.
Consumer complaint received 2016-12-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (SC)

The collection agency is calling for XXXX XXXX. I am not him. This is his sole debt. They are also calling my Mother. He is my ex husband. He is out on bond for XXXX charges of unlawful conduct on a child. I gave them his phone number, address, his parents address. They continue to call me and my Mother on her phone line. I asked them to stop calling me as did she request for the calls to us to cease. The calls continue to come.
Consumer complaint received 2016-08-01
Product: Credit card — 
Issue: Arbitration — 
Company: AMERICAN EXPRESS COMPANY (FL)

My complaint is against American Express. My name is XXXX XXXX, my phone number is XXXX. We purchased some jewelry while on vacation, on a cruise. We payed $ XXXX for the jewelry with our American Express card and the jewelry turned out to be fake. So we had an official appraisal done by a XXXX XXXX XXXX {$200.00}. American Express denied our claim. We believe American Express knowingly does business with these types of vendors. We tried for six months to resolve this with them. This is why we want to file this complaint against them. We have all documentation and proof the we can provide to you. Please advise us on what we should do next. AMERICAN EXPRESS ACC # XXXX
Consumer complaint received 2016-07-20
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I have been closing my account at HSBC by cancelling all of my activity in the account for the past two months. HSBC refused to notify me when a request for withdrawing funds from XXXX XXXX came in and I had no money in the account. They have my email address and often send me emails for new products and services. They deliberately covered the check so they could collect on the fees and penalties for an overdrawn account. I do not have overdraft protection, so they should not have covered the check and should have notified me immediately.
Consumer complaint received 2015-04-22
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (FL)

I made a legitimate charge, was deceived, and when requested support from AMEX, was lied to. I was told via e-mail that I would receive detailed notification in writing/in the mail about my dispute, but was never received. Same time I received correspondence from AMEX separate from the dispute, but never received written detail from AMEX by XXXX Mail ( or otherwise ). Also, when I notified AMEX of the above, I was lied to and deceived. The whole matter cost me {$350.00}, and AMEX did not follow their written dispute process.
Consumer complaint received 2016-03-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: TRANSWORLD SYSTEMS INC (TN)

A private student loan of mine has gone into default due to lack of wages. The former owner of the debt XXXX XXXX XXXX apparently sold the debt to Transworld Systems. The account was immediately put on my credit and into collections. I did not get a notice that my debt was being sold ( which is required by law ) and Transworld Systems has made no attempt to contact me to prove ownership, correct balance or to even state they have taken over the debt. I would like an investigation to be conducted into the practices of these XXXX companies.
Consumer complaint received 2016-10-14
Product: Other financial service — Traveler’s/Cashier’s checks
Issue: Lost or stolen check — 
Company: AMERICAN EXPRESS COMPANY (LA)

On XXXX/XXXX/XXXX while traveling to work in the town of XXXX, CT XXXX i lost American Express travelers cheques.The following day when i contacted the claims review dept and as instructed by them i filled a claim for a refund with the supporting documents needed, which included copies of identification and purchase receipts. Since i had not heard from them in a while, I followed up with them to know the status of my claim on XXXX/XXXX/XXXX. I got a response from them denying my claim saying that " Based upon our investigation of the information furnished by you, there is insufficient substantiation that your Cheques were lost/stolen from you.Under these circumstances, we regret that we must deny your claim. '' Since then i have followed up in writing with then on multiple occasions on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX but to no avail. I tried to tell them that their conclusion is incorrect and that they are mistaken. Also i have been repeatedly requesting them on the phone as to what other information would they like from me that will help clarify their doubts. I have asked them as to why they feel that my claim is a false XXXX, but they do not answer or provide any explanation for denying my claim. By writing to me that they are not convinced about the loss, they indicate that i am lying. A sad situation indeed and i seek your help to settle the matter. I do not need anything else but the money that i lost so that i can bring a closure to this long running dispute please. 
thank you.
Consumer complaint received 2016-10-19
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (RI)

On XXXX/XXXX/2016, I applied online for a checking account with HSBC and to date, as of XXXX/XXXX/2016 I have never received any confirmation of my account. An attempt to contact them via telephone proved futile as well. At the time of account opening I authorized a deduction from another personal checking account in order to open the account so these funds are now tied up. I passed all of their security questions and their web page indicated that I would receive a final " review '' within 72 hours, ( see below ). I believe that due to the fact that I listed income received from Social Security that they are delaying opening my account and hoping I forget about it especially given the fact that they offered an incentive to open the account and apparently are screening applicants by questioning if they will receive Social Security payments in their accounts as the question was posed multiple times. 
" Please note that online applications may take up to 72 hours to be reviewed. To ensure an optimal experience, please complete the application in full with accurate information. ''
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of XXXX XXXX. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of XXXX XXXX.