davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-05
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (NC)

I received an email stating it was a balance statement regarding my American Express Serve prepaid credit card account. Since I had not opened an account I was curious. I checked out the email and went to Company website ( using separate browser tab, not through links provided ). I located " contact us '' info and called the hotline. 
After navigating the menu lists to reach a real person I related the fact that I had not opened said account. The first lady I talked to located that account using only my name and email address ( both of which were already in the email so I had no problem providing that info ), and sent me to the " fraud protection department ''. Once there the lady there again asked for my email. I provided it again. She then wanted me to provide the last four digits of my social security number and my home address, both of which I refused to give since I was reporting a fraudulent card and had not provided that information to start with. I then asked it she had information on where said card was being used, she said she did but could not answer any questions until I verified my identity. I responded " I didn't open this account so you shouldn't have any of my info anyway, I'm not providing that. '' At which point she hung up on me. Number called was XXXX.
Consumer complaint received 2023-06-16
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. (TX)

I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim.
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (LA)

I don't remember the dates but it was something last year in XXXX XXXX or XXXX. Call them to see why I have unauthorized use of my card being charge. Deposits wouldnt showing up on time and balance often had errors
Consumer complaint received 2023-09-05
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-09-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: M&T BANK CORPORATION (TN)

In XXXX, my mortgage was taken over by M & T bank. The mortgage bills comes from XXXX. I have paid each month by on-line banking. The address for XXXX according to the bill is XXXX XXXX XXXX XXXX, Texas. For three years, I have never been late on a payment and have always rounded up on my payments. Everything was worked will until XXXX, XXXX. I received a notice in XXXX that said I had not paid my mortgage for the last two months. I looked on line and I had paid both XXXX and XXXX payments. I contacted my bank, XXXX  XXXX XXXX and asked why payments had not gone through and they verified that payment was sent to the address above on XXXX and XXXX. I contacted M & T Bank and they responded they had not sent it. I verified the address which is on the bill and I was told that was not the address it should be sent to. Instead it should be sent to XXXX XXXX XXXX, XXXX, MD. When I looked at the bill, the tear off portion of the bill had the XXXX address. When I told him the bank had sent the payments to the previous address, the customer service rep said something to the fact I don't know but it's the wrong address. XXXX XXXX XXXXXXXX also sent a letter to M & T Bank explaining the process of the payment to the XXXX address. 

Another payment of {$2200.00} was sent on XX/XX/XXXX. 

On XX/XX/XXXX I received a letter saying that my payment was delinquent and I owed XXXX {$1000.00} and XXXX {$1000.00} plus my current month of {$1000.00}. 

Since there was confusion with my on-line banking I wrote a check on XX/XX/XXXX for {$2200.00} which was cashed by M & T Bank on XX/XX/XXXX and I wrote another check on XX/XX/XXXX for {$1100.00} which was cashed by M & T Bank on XX/XX/XXXX. According to the bank I owed a total of {$3200.00} with late fees which I never was late. I paid a total of {$3300.00}. 

On XXXX, I received a letter from M & T Bank saying I had defaulted on my loan. However, I am in total disagreement and have paid. I'm not sure why the previous three years there were no issues and now they can't receive my payments, even after they have cashed the checks.
Consumer complaint received 2023-09-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC (PA)

I asked Fay Servicing to close my escrow account several times since XX/XX/XXXX. I have always paid all property taxes on my own as required of me by the " home equity line of credit '' contract I signed in XXXX. 
I paid the XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX taxes. Fay keeps charging me for property taxes they did not pay.
Consumer complaint received 2023-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

Last year, im a XXXX of XXXX XXXX, i went to college. my social security and id were missing at the time. i reported a credit account. I thought that the fees and interest were going to go away as i said it wasnt I. That wasnt the ase they did stop the interest but i have school loans also so thats dropping my credit along with an account i didnt open or use. I didnt ask or sign up for anything personally this was done online like the company reported back to me.
Consumer complaint received 2023-09-05
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: AMERICAN EXPRESS COMPANY (MN)

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account/s below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP (CA)

XXXX XXXX XXXX XXXX incorporated at California inXXXX, we provide international business travel with XXXX cities in nationwide. We started to use XXXX as our credit card processing company in XXXX. The cooperation was good until they held our fund {$830000.00}, swiped from our passengers ' credit cards in XX/XX/XXXX. XXXX said XXXX financial report looked not good since XXXX, required us to provided to them with all our detail management information and business record, including all our tour groups and passengers name lists, flight ticket booking record, hotel list and land operation final itineraries, air ticketing payment record by XXXX company XXXX and by my personal credit cards, my personal credit card payment statement and record, our bank statement to reflect we fully paid for both air and land service to our vendors. But XXXX still terminated our service, and said they go hold our fund in their hand ( {$830000.00} in XXXX plus {$47000.00} in XXXX ) for 3 months then they go release the fund to our passengers but not to XXXX. They already on purposely demaged our business and reputation, and they are going to cause even bigger loss to XXXX, since all our passengers will return from their trips we fully paid for.
Consumer complaint received 2021-01-11
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Uplift, Inc (PA)

I received a packet of papers from the company XXXX XXXX XXXX XXXX. XXXX ( XXXX ), dated XX/XX/XXXX, stated that I took out a loan for {$2500.00} under the creditor UPLIFT. When I called and asked what the company is known for ( Uplift ), they stated they are a company that gives out vacation loans. I have never took out a loan for anything but school and my car. They stated one payment was made for {$280.00} when they loan was request in XX/XX/XXXX but it was not my credit card number. They have no proof of a contract or anything signed to allow my permission. I now have a past due bill in collections currently dropping my credit score for something I did not purchase.
Consumer complaint received 2023-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account ( Enter Account Name ) : ( Enter Account Number ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2023-09-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Onity Group Inc. (CA)

For the last year I am been trying to work with PHH and I am also workin with s law firm. I had a los of income from COVID and PHH just asks for more information and it has been redundant. There is no line of real communication with PHH. They just give us the run around and their staff is totally incompetent sand they should be out out of business.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I XXXX XXXX contacted transunion to remove inaccurate late payments on my credit report several attempts and transunion XXXX  reporting it as updated with no investigation.
Consumer complaint received 2023-09-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

With Bank of America, I have had multiple incidents of overdraft fees being charged to my account, putting my account into overdraft. I have had checks and/or money transfers that seem to disappear due to other random charges. It happens often. Ive had fraud charges on my account that lead me to getting new debit cards. Ive called and addressed charges such as XXXX XXXX being charged to my account ( something I do not have or use ), I would call and be told it has been addressed, only for it to happen again. There have been many instances where I have low funds in my account while waiting for a paycheck and an overdraft fee will cause my account to overdraft.
Consumer complaint received 2023-04-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

This is the 4th attempt to prove again, that this charge from XXXX XXXX is not mine! Every 6 months or so, we receive a notice from another credit agency stating we owe this same amount. We've filed 3 complaints and each time the company agrees it is NOT our debt. IC lists account XXXX and ACCT XXXX {$2800.00}. We've even completed a fraud packet through XXXX XXXX XXXX, but it doesn't stop this nonsense. Called IC spoke to XXXX XXXX, clearly was reading a script. Told me I would have to send the actual police report not just a case #. 

Not sure how they can continue to sell, transfer or whatever happens to send debt that is clearly NOT mine again and again. We've done all the correct steps.
Consumer complaint received 2018-04-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC (CA)

My loans were recently transferred to XXXX XXXX without my prior consent by my prior lender ( XXXX ). The transfer canceled scheduled auto-payments I arranged with my prior lender. Now, with XXXX XXXX, I have tried repeatedly to schedule recurring auto-pay through their website. Despite following all steps to schedule recurring payments and seeing a screen tell me I successfully arranged auto-pay, my account continues to state " no scheduled payment '' several weeks later. This setup seems designed to make people miss payments on their loans. 

Moreover, the Heartland website 's online chat function does not work and their customer service is terrible. I have been on hold on the phone for > 30 minutes trying to get reach a XXXX XXXX customer service representative to fix the issue and have yet to reach someone. This company warrants auditing by the CFPB. The poor business practices seem intended to induce default / missed payments and collect fees. I have never missed a payment and never had these problems with another lender.
Consumer complaint received 2023-06-16
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. (RI)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-04
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc (TX)

I applied online to Credit Fresh loans. Living paycheck to paycheck. I had XXXX XXXX, off work momentarily. Loss 2 Brothers six months apart due to XXXX XXXX. I almost XXXX XXXXXX/XX/22, found out I have a XXXX XXXX XXXX XXXX XXXX  on XXXX XXXX XXXX XXXX XXXX. I did respond to the company emails & calls. Currently XXXX per month payment plan. With the high cost of this economy & increased interest rates and astronomically increased payoff fees added. I will XXXX XXXX XXXX trying to pay it off! The increased high interest rates are unlawful. Future complaints may persist with the Texas attorney generals office.
Consumer complaint received 2023-09-05
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: Bread Financial Holdings, Inc. (CA)

My credit report is still showing late payments on ACCOUNT/S. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.XXXX XXXX
Consumer complaint received 2023-04-20
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY (IL)

XXXX I called TD Bank regarding my XXXX XXXX XXXX of credit, which is {$2200.00}. I also sent them a message within my account stating I tried to use some fo the available balance but that it was reflecting as XXXX. The account itself still says the available and unused balance. The next day I got notifications from all three major credit bureaus that the bill was reported closed. TD Bank never communicated any formal information as to why. I called in again and was told that that was not the case and that the balance and account were open. However, I messaged them again on XX/XX/XXXX, asking why my account balance was XXXX, yet it showed active. I was told to call in again. I disputed the closed account as it was in good standing and had no issues. Nothing was changed, and the performance remained listed as open to me but closed to the bureaus. I called TD Bank again today, XX/XX/XXXX, and was told it was due to inactivity as to why it had been completed. I asked why no communication was given to me ever as the consumer on the application and account, ; instead, they informed the credit bureaus. I was told three times, " I'm so sorry. Is there anything else I can do for you? ". They proceeded to tell me that I would have to apply again and not use the same email address because XXXX would reject my application from an account they reported charged off. The bill was never charged off or owed a balance. I do not understand how this was done legally and then punished for trying to use the account and having it closed right after I tried to use some of the available credit.
Consumer complaint received 2022-01-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONGRESS COLLECTION CORP (MI)

I sent a certified validation of debt letter to Congress collections and they failed to respond within 30 days as requested. Today I received a list of my medical records including procedures that I know is a direct violation of HIPPA regulations. I did not sign a HIPPA form authorizing them to have access to my protected health information. Please delete this information from my credit file and cease all collection activities at once.
Consumer complaint received 2023-09-04
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

Mitchell Bluhm and Associates at XXXX XXXX XXXX ( hereafter XXXX ) are knowingly reporting a medical collection amount ( {$920.00} ) to the three credit bureaus in error. I reached out to the creditor XXXX to resolve this matter and also provided supporting documents through XXXX of proof of payments and the medical bill total is less than {$500.00}. The Creditor continues to report to the bureaus in error as the amount owed is {$920.00}, resulting in a false derogatory mark on my credit report. The medical bill is less than {$500.00}, which means it needs to be removed from my credit report.
Consumer complaint received 2023-09-04
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TX)

This debt is not mine- I was a victim of identity theft 5+ years back, this might have been a result of this. However, this should have already been reported as theft, and it just appeared as a collections on my Credit Report after YEARS. Collection agency has not responded to my Debt Validation, and therefore can not validate the debt. Please have this removed as soon as possible, thank you!
Consumer complaint received 2021-06-17
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. (GA)

Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.
Consumer complaint received 2024-04-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: MORTGAGE CENTER, LC (OH)

We have had numerous problems with this company since starting the loan process for my deceased mother-in-law 's cabin. Many times the company told us they were going to check into a problem and get back to us, and not once did they ever follow through. Most recently, what prompted this complaint, is that the company sent year end tax information to another person in another city and state that had all our loan information, including my full social security number. ( They keep explaining these errors as a glitch in their system that won't happen again ). The person, who received my information, contacted the Mortgage Center a month ago to let them know about the error and spoke with XXXX XXXX, their " customer care '' supervisor, since he was concerned about privacy issues. She said she would look into it and get back with him. When she didn't, he sent me a letter with a copy of the document. I also tried contacting her on XX/XX/XXXX, after receiving his correspondence last week, and left a message on her voice mail first thing in the morning By the end of the day, she hadn't gotten back with me. This is typical of our history with these people. They never get back with you, unless you hound them. 

In XXXX of this year, we received a 1099 from the Mortgage Center showing they had paid us over {$500.00} in interest in XXXX. That was ludicrous, since we have only paid them money. They never paid us anything. When my wife tried straightening the matter out with them, they didn't believe her that they would have sent a 1099. They said they never do that, like she was crazy. My wife has a XXXX XXXX, and I am a XXXX. We are not XXXX  people, but they have treated us with total disrespect every time we have contacted them. She sent them a copy of the document, and they said they would look into it and then never got back with her, so we just dropped the issue and figured we would just explain the situation to the government and they would see the mistake, if we were ever audited. 

I could go on and on about this company, but I think I've made my point. They should be thoroughly investigated. They are crooked, or at the least incompetent and very uncaring, and should not be allowed to handle peoples information and money.