davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-14
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: AMERICAN EXPRESS COMPANY (MA)

American Express has a well advertised policy wherein they will only perform a hard inquiry only under the conditions that A ) you are approved for a card and B ) you choose to accept the offered card. On XX/XX/XXXX, I consented to a soft inquiry to see if I may be pre-qualifed for an American Express Hilton Honors credit card that I was interested in. 

My application reference number is XXXX, and this is a link to the application landing page for the card I applied for : https : //www.americanexpress.com/us/credit-cards/card-application/apply/hilton-honors-credit-cardXXXX XXXX  The very beginning of the application says the following : " Know if youre approved for this Card with no impact to your credit score. This process helps you apply with confidence. Heres how : Complete the application. Well let you know if youre approved first without any impact to your credit score. If you choose to accept the Card, the information we provide to credit bureau ( s ) may impact your credit score. '' Thus I believed I was consenting to a soft inquiry, but did have the understanding that this would become a hard inquiry if I was offered a card and chose to accept it. Unfortunately, American Express contradicted their own terms and marketing materials by placing a hard inquiry on my XXXX credit report despite denying my application. The hard inquiry decreased my XXXX XXXX XXXX credit score which further contradicts American Express ' promise to consumers of only impacting their credit score if they are approved for the card. 

I have called American Express to see if the inquiry can be removed or if the decision may be reconsidered. I was advised that the decision on the application could not be reversed and two AmEx representatives told me to contact XXXX to file a dispute when I mentioned my grievance with the hard inquiry. XXXX 's policy is that disputes on inquiries XXXX only be submitted to XXXX in the event of identity theft. I was then advised by an XXXX representative to dispute the inquiry with American Express. I am instead submitting my complaint to the CFPB because I have already tried to resolve the issue with American Express and have thus far been unable to do so.
Consumer complaint received 2024-02-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC. (SC)

XXXX is a debt collector for CASHNET USA. I do not own this debt and therefore it should be removed from all three major reports immediately. I have requested for this debt to be validated on several occasions and XXXX or Cashnet USA has failed to respond to my request. This debt seems to have been put on my report from identity theft
Consumer complaint received 2024-04-04
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (NJ)

Interest on past balance increased 100 % or more. Is this legal? It shouldn't be. When I made the purchases, the interest rate was one rate and then it was doubled on more on these past purchases. It shouldn't be allowed to have an adjustable rate on past purchase. This is usury plain and simple and shouldn't be allowed. It's impossible to pay off these balances now and the credit card companies are not responsive when called to see it the rates can be reduced. They are paying very little to the XXXX  borrow money and yet they can charge me 22 % to 28 % on my balances. A hopeless situation for me and millions of others. When will the government remedy this situation?
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (FL)

I contacted Early Warning and requested to opt out and they denied my request stating that they do not fall under the FCRA rules and regulations. They would not provide a written denial to my request only a verbal denial. 

I have a right to revoke and rescind any all contracts with any party sharing my information and I am exercising this right now. I revoke any and all agreements you might have with any party and forbid you to report my information without my consent per The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq
Consumer complaint received 2024-03-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (NJ)

I recently refinanced my house due to emergency.The title company held funds in escrow due to having leans that were not my own.I received the house through probate when my father passed away in XXXXThe house went through probate with the mortgage the only lein.Also I had XXXX XXXX XXXXXXXX XXXX1 in XX/XX/2016 2nd XXXX.The title company released the funds to company
Consumer complaint received 2024-04-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (GA)

Honda Financial Services makes a practice of subtracting interest from extra principal payments despite this notice on their statement : " When making early loan payments or payments greater than your 'Regular Payment Amount, ' your principal is reduced and a credit shows toward your next month 's payment. By continuing to make payments in excess of your 'Regular Payment Amount, ' you effectively reduce your final payment or shorten the term of your loan. '' This notice is also on the statement : " Excess Principal Payments : Making payments in excess of the Regular Payment Amount will have the effect of reducing your final payment or shortening the term of your loan. Payments in excess of the Regular Payment Amount will reduce principal and show as a credit to your next months payment. '' Their loan agreement also states : " Your Finance Charge, Total of Payments, and Total Sale Price will be more if you pay late and less if you pay early. You may prepay. You may prepay all or part of the unpaid part of the Amount Financed at any time without penalty. If you do so, you must pay the earned and unpaid part of the Finance Charge and all other amounts due up to the date of your payment. '' When I called Customer Service to address the issue, I was told they get calls every day about this ... but do not change their behavior or literature. The representative said extra payments must be sent to another, undisclosed address to be credited properly. She offered to retroactively credit interest assessments going back 6 months but no further... costing me {$50.00} in needless interest. I've asked for my case to be escalated and intend to ask that my payments outside their arbitrary period be credited properly. 

Honda Financial Services knowingly continues to take advantage of their customers every day with this dishonest practice.
Consumer complaint received 2023-05-16
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company (FL)

Freedom Mortgage reports my account as Delinquent to credit bureaus even after paying off my loan. They did this for 3 times and may repeat in future. My credit score falls by XXXX points each time they report. 

First time their system did not pull the right amount even though I was on Autopay and they reported it as missed payment. They accepted their mistake and corrected it. 
My loan was paid off on XX/XX/2023. But they still reported my account as deliquent for XX/XX/2023 and XX/XX/2023. 

Their customer service is not helpful.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

After closing a refinance mortgage loan, my mortgage company had an unexplained increased to my balance upwards of {$XXXX} or more, in additions my term also increased from a XXXX term to new XXXX  year term. 

Sometime after the refinance was completed, my balance increased by upwards of {$XXXX After reviewing the mortgage loan paperwork from the new servicer, it appears that mortgage company combine my refinance loan with another unknown borrower who shares a similar name. 

As a result, combining these XXXX loans, the mortgage company adding an additional {$XXXXXXXX} to my existing loan because the other person had a much higher loan balance. The mortgage company also increased the term to a new XXXX term. 

It is estimated this XXXX have happen sometime after the closing of XX/XX/2016 Because paperwork is combined with XXXX different people from XXXX different states, property address and different dates. It is uncleared what the exact date of the error is.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

Delete the inquries and erroneous errors on my credit reports.

I have no knowledge of these inquiries.

I have attached an FTC Affidavit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP (DC)

Linebarger Goggan Blair & Sampson , LLP as the collection agency did not provide any appropriate response to my previous disputes to XXXX in regard to the administrative fees that are piggybacked with the tolls, and the correct payments have been proactively submitted for the tolls on the notices. There is no legal basis of how this administrative fee ( {$75.00} ) is calculated or determined. Therefore, to charge this unjustified administrative fee is an act of abusing administrative power, and completely capricious and wrongful.
Consumer complaint received 2024-04-02
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Accounts Receivable Services (MN)

I received an incorrect medical bill from XXXX XXXX XXXX XXXX XXXX, MN. I have told XXXX the bill is not correct. They agree with me that it is not correct. Due to bureaucractic issues, they never removed the amount owed and sent it to a third party debt collector called Reliance Resources. I have told them that this bill is not correct and I will not pay it. They continue to contact me. They have recently started to contact my wife and put bills directed at me mailed to my wife. Clearly designed to harrass me into paying an invalid bill just to get them to leave me alone.
Consumer complaint received 2024-03-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MI)

I have a federal consolidation loan. My loan servicer used to be Great Lakes Higher Education ( " Great Lakes '' ). I consistently overpaid my payments, and Great Lakes told me the amounts of the overpayments were not immediately applied, but were kept in some sort of separate account. My payment amounts " due '' on the website initially decreased, then showed " {$0.00} due '' because the overpayment amounts kept on the side were always available to pay the current month. I figured this was fine because maybe someday I'd be short, and would have that money in reserve to make my payments. 
Then the pandemic hit, and loan payments were suspended for a long time. 
By the time payments resumed, I'd been informed that my loan servicer had been changed to Nelnet. ( I had some trouble getting access to my account on the Nelnet site, but finally got that straightened out. ) I assumed that the accumulated overpayments from Great Lakes would have been transferred over to Nelnet, but I see no indication of that. My account shows an amount due every month, and I pay the amount due. It's been over 8 months with Nelnet now, and I've sent two or three e-mails ( from within the Nelnet site ) asking for confirmation the overpayment amounts were transferred over with my account, and how much was transferred, and have not received any actual response ( only an immediate, automated " we've received your e-mail '' message ).
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

i have filed and disputed these accounts multiple times. Ihave uploaded documents to show that account is a corporate account and XXXX, and XXXX still say the accounts are verified. this has now become a civil liability for willful non compliance under 15 usc 1681n. this will be for both portfolio recovery assoc, as well as XXXX XXXX. Portfolio also has an open status, which indicates I've received credit and still continuing getting credit. they have failed to provide me with the information I have requested and have lied on here with their statement. You have also received the second mailing, in which, XXXX never responded. This should be rem oved be of estoppel by silence law.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying computer XXXX  finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-04-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I ordered an XXXX bike from a company called XXXX, was given a delivery date and when I recieved box I was missing components. 
Reached out to XXXX and requested my items and informed them that I was XXXX. Their way of helping was to keep asking me to perform actions that would result in self injury or harm, I did not respect the fact I had to divulge personal medical information, even after expressing said difficulties they continued to ask for more and more of the same pictures which I had sent. 
I disputed with Bank of American who know my card holder, they credited and later readjusted in favor of merchant ( Volectric ) XXXX felt disregarded and taken advantage of by my bank ( Bank of America XXXX I appreciate your time and consideration, I would like to formally complain about Bank of America and XXXX and receive a refund {$1900.00} for Merchandise never received
Consumer complaint received 2024-04-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors' Protection Service, Inc. (IL)

Creditors Protection service is stating that I owe {$730.00} for a doctor visit I never scheduled nor attended. Creditors Protection service have not yet to provide me proof of this claim, and have added collection to my credit profile. In which placed a negative mark for other creditors to see.
Consumer complaint received 2024-04-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bonneville Billing and Collections (ID)

Bonneville Collections stated they received my hospital account on XX/XX/XXXX, and then another stated that they received my account on XX/XX/XXXX? I can not receive a solid answer, nor can I get a written statement. 

I was told that all the interest would be included in my account upfront, and no additional interest would be charged. However, I was told by XXXX of their agents today that I am being charged 12 % interest in addition to the upfront charge. 

My beginning balance with the hospital was {$4900.00}. On the Bonneville Collections website, it shows that my beginning balance was {$5800.00}? Fees? Interest? Substantial increase. 

I have been paying on this account for approximately XXXX years ( they will not provide a statement showing my payments ), so I am unsure how I continue to owe more than my original debt. 

Every XXXX months they tell me they need to increase my monthly payment by $ XXXX {$20.00} per month. I am a single parent and have explained I can not pay these increases and ask for an explanation. She stated that if I could not afford these increases, that I should ask family and friends for assistance. 

They will not work with me and continue to harass me on a regular basis. 

I continue to make the requested payments, but it is a losing battle. My payments continue to increase, and I see very little reduction in my debt. 

I am seeking assistance to come to a satisfactory payment arrangement to pay my debt.
Consumer complaint received 2024-04-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Monterey Financial Services LLC (PA)

Monterey collection service agent named XXXX told me on the phone that premium destinations was the original creditor ( consumer funding source ) which is reported on my credit report. She then told me to contact premium destinations, after contacting premium destinations they have a written statement saying Monterey financial is the original creditor. I believe this is bad business practice, false reporting on my credit reports. Also I have told Monterey collection services to stop contacting me over a year ago and send me everything in writing. I was contacted by XXXX again while at work.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: PNC Bank N.A. (FL)

I believe I have been getting false reports starting with a mortgage from PNC BANK that is not mine. Also, it seems to be someone trying to apply for loans or credit card under my information without my permission. I do not know who is doing this that is why I am reporting this dispute. 
The following accounts is PNC BANK XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

The Bank of America Corporate Center XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Dear sir, I have received a notice from your company branch addressed XXXX XXXX XXXX, XXXX XXXX XXXX  with monotone format without any XXXX, even your company logo. It states the case number XXXX, which most likely can not find out my Bank of America online account about my account ending in XXXX. This letter was prepared on XX/XX/2024. I do not understand the sentence were not able to complete [ my ] request at this time, since as far as I remember, I did not request anything. Therefore, I request the investigation on this matter, since it might be a scam. 

Sincerely,
Consumer complaint received 2023-12-06
Product: Credit reporting 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. (FL)

XXXX XX/XX/22 there as a hard inquiry for a loan by an agency in XXXX XXXX called XXXX which I did not solicit or requested. 
When i XXXX searched the firm and checked my credit core I got an XXXX number. I called and its an automated line asking for your last 4 digits of your social and birthdate. I refuse to give this information to get to a live person. 
Below is the info from the Credit report : Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Permissible Purpose WRITTEN AUTHORIZATION
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Subject : Final Request for Removal of Inaccurate Collection Account XXXX XXXX XXXX # XXXX To Whom It May Concern, I am writing to follow up on my previous disputes regarding the collection account listed on my credit report under the account # XXXX. 
Despite my initial dispute and follow-up request for verification, this inaccurate collection account remains on my credit report. 

I have provided evidence that the collection agency did not validate the debt, as required under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ). According to the Fair Credit Reporting Act ( FCRA ) 611 ( a ), only accurate and verifiable information should b reported on my credit file.

Since the collection agency failed to provide validation and my previous requests for verification has been ignored, this account should not appear on my credit report. This is my final request for the removal of this account. If you do not remove it, I will be forced to escalate this issue by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action for non-compliance with the FCRA. Please remove this collection account from my cred
it report immediately and provide written confirmation of this action. Under FCRA 611 ( a ) ( 5 ) ( A ), if the information can not be verified, it must be deleted from my credit file.

Thank you for your immediate attention to this matter. I expect a response within the 30-day period allowed by law. 

Sincerely, XXXX XXXX