davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (IN)

On XX/XX/XXXX, received a call from a representative who was working on behalf of HSBC to tell me I owed money on a credit card that I opened in XX/XX/XXXX. I had 90 minutes to respond to the initial call or they would proceed without speaking to me. The initial amount was {$880.00} and was now at {$6600.00} due to interest and late fees. I advised that I did not open a HSBC card in XX/XX/XXXX and the only ones I did have were included in my bankruptcy in XX/XX/XXXX ; which they knew about, but this card was not a part of that. The card in question ended in XXXX. When I searched old credit reports, this card does not appear on any credit report. They advised it wouldn't be on a credit report as it was put on hold, then transferred or sold to XXXX XXXX. The only HSBC card I had that was transferred, was in XX/XX/XXXX and included in my bankruptcy. They wouldn't listen, they were just trying to do their job and collect my debt. They were willing at this time to offer me a settlement of {$1300.00} ; yes or no, couldn't think about, had to decide at this time. I also had to provide them with a credit card to pay. I advised I didn't have a credit card with me, they said they would put a hold on my bank account until I was able to provide my credit card info but I had to respond by XXXX. I advised I wasn't going to give them any bank or credit card info over the phone. I also advised I had never received anything in writing and they said I was lying, they have sent out multiple notices to me regarding this. When I asked them what address they sent the notices to, they asked me to verify my address, I again asked them to verify my address and they refused. When I refused to pay and they refused to send me notification in writing, they advised they would pursue a judgement against me, have my wages garnished and possibly arrested for credit card fraud.
Consumer complaint received 2023-04-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (NH)

I have been trying since XXXX to have Wells Fargo fix my online account issue that keeps me from being able to pay my bill. I have repeatedly contacted them via email and they assured me that they would contact me within ten days. I never hear back from them nor has my issue been resolved.

I'm receiving monthly statements that include fees and late charges so it seems as if the left hand doesn't know what the right hand is doing. I have worked hard to get my credit to where it is and to have something like this happen is more than discouraging. I pay my bills on time every month because it's extremely important to me. 

I find this type of utter failure by an institution disparaging, nerve-wracking and completely unacceptable. Saying something and actually doing nothing does not make any business sense to me. I want this company held accountable for the frustration and possible damage to my credit. I don't want false promises, I want results. The attachment is just one example of the letters I receive. Thank you
Consumer complaint received 2019-10-04
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: Bread Financial Holdings, Inc. (IL)

I opened a XXXX XXXX credit card to get a discount on a purse for my wife for XX/XX/XXXX.  then the nightmare started!! 

I paid for the purse with the newly opened XXXX XXXX credit card The purse was out of stock at the XXXX XXXX IL store and had to be shipped to my house I never received the purse in the mail and notified the store. 

The store told me they would look into it but the color purse I originally ordered was complete sold out I had to purchase the same purse but in a different color at the store it was in stock - the store and Comenity Bank has records of the second purchase I paid for the second purchase with my XXXX XXXX credit card again and paid it off in full when the statement came XXXX said they would investigate and said the post office had confirmation the first purse was delivered to my home and left in my mail box. 

I said I live in a rural area and if it was delivered it was never received by me or anyone else in my house, and the post office would often leave packages in front of my mail box or on the driveway by the street. They said the post office left it in my mailbox. This is 100 % not true because the purse was to big to fit in my standard and only mail box. It was impossible to get the purse in the mail box!! 
What made matters worse was XXXX XXXX went out of business and wouldn't return calls or letters I sent. 
I notified Comenity Bank and they were absolutely horrible to deal with. I called and kept asking to talk to supervisors and also wrote many letters. I went on like to find out more about Comedity Bank and their reviews were terrible. They have zero empathy for anyone and are like robots. 
I asked everyone I talked to at Comenity Bank would they pay for a purse they never received? The standard reply was its not their problem. I said I wasnt going to pay for something I never physically received. 
Harassing phone calls started and kept continuing all hours of the day and weekends. They were very unprofessional and exstreamly ignorant. 
I finally had to tell them to stop or I was going to call the Police. 
I have filed complaints with the credit reporting agencies and Comenity takes it off the credit report then puts it back on. Its just a game for them This has damaged my FICO credit score and is unfair that they can and do treat people like dirt with no compassion or repect. Then they are allowed to damage their credit. I have always worked hard and paid my bills on time and do not deserve the unfair tactics by Comenity Bank. 
Please Help
Consumer complaint received 2018-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Diversified Consultants, Inc. (TX)

My highest credit score was XXXX, on XXXX XXXX. I contacted XXXX XXXX XXXX and informed them I wanted to pay the debt off because I wanted to apply for a home loan, needed to improve my credit and possibly start service with them again. Before making the payment, I asked the representative will the Diversified Consultants report be removed from my credit report since I am paying them and they are the original debtor? I also, asked for a letter in writing, however, she informed me she would email me my receipt and that was my proof of paying and that XXXX XXXX would receive proof of payment remove themselves from my credit report completely. I proceeded to pay {$1300.00}, and I received my receipt as promised via email. I called Diversified Consultants and informed them, I'd paid XXXX XXXX XXXX XXXX in full, and asked for deletion of their account on all 3 credit bureau because the balance has bee paid to XXXX XXXX XXXX. Diversified Consultants informed me they do not delete reporting and the account will stay on my report for 7 more years and they will report the debt as {$0.00} paid, closed. My credit score has since dropped down to XXXX, 41 points. I AM NO LONGER ABLE TO APPLY FOR A HOME LOAN! I should have left the debt alone if this was going to happen. This is not just, I paid the debt through XXXX XXXX XXXX, and was LIED to. I want Diversified Consultants removed/deleted from all 3 credit reporting agencies completely.
Consumer complaint received 2020-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX, I used XXXX reward points ( {$1400.00} value ) from my credit card Chase Sapphire to purchase a round-trip flight on XXXX   XXXX for XX/XX/XXXX from XXXX XXXX to XXXX and returning on XX/XX/XXXX from XXXX to XXXX XXXX ( XXXX XXXX ). The flight was canceled due to COVID. XXXX XXXX has been unresponsive to me and supposedly Chase as well. I have not been able to get my refund of points and my credit card company has continuously said they are pending XXXX XXXX response. As per the FCBA, I can not be charged for a product I did not receive. I need a refund for my flight and Chase is not giving me one. I am not receiving any refund from XXXX as per the DOT COVID regulations or EU regulations. See here : https : //www.transportation.gov/briefing-room/us-department-transportation-issues-enforcement-notice-clarifying-air-carrier-refund Chase confirmed if XXXX does not respond to me by XX/XX/15, they would give me a refund regardless. Now they are refusing to do so. I've attached this correspondence from them.
Consumer complaint received 2019-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA (CA)

XXXX/Goldman Sachs is charging me {$18.00} for an Interest Charge. However, I attempted to pay my balance which was due on XX/XX/2019 of {$200.00} and mistakenly entered in {$200.00}. I'm being charged {$18.00} interest for a shortfall of {$2.00}. It seems like an exorbitant rate of interest. This is a new credit card and a new credit card company ( Goldman Sachs ) and the agents I've been speaking with do not seem to have any procedures for helping me out when I contact them. Some of the agents agree it is an erroneous charge but are unable to change it. Please help. Thanks, XXXX
Consumer complaint received 2019-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Equifax, XXXX and XXXX are reporting the below student loan incorrectly and have not sent me a physical copy of a signed document showing that I opened the account specifically with this company. 

XXXXXXXXDEPT OF ED XXXX XXXX XXXX XXXX   MOXXXX  This debt is showing up as a student loan and showing that I have a credit limit that has been surpassed. I need physical documentation that would show an actual credit limit extended by this company. 

This information needs to be removed immediately from all 3 credit bureaus according to the OBLIGATIONS OF FURNISHERS UNDER THE FCRA. 

If this inaccurate account is not removed from my credit report, it will continue to cause harm upon me and I will have my legal representation file suit.
Consumer complaint received 2019-10-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants and Professional Bureau, Inc. (TX)

Merchants and Professionals Collection Bureau is trying to collect a medical debt incurred by my former domestic partner. On the phone in XXXX, they said the debt was for my XXXX  ; however, I have never been sent an addressed, itemized statement of charges from the reporting clinic or the collections agency. I told them I would not pay until I was sent statements addressed to me showing responsibility for the debt ; that is, a list of services and who they were provided to. After the call, they put a number of collections debts on my credit report, XXXX to be exact, that I had no knowledge of, claiming that I was jointly responsible. When I disputed the items on my credit report, they removed all debts except XXXX for an amount of {$260.00}. They have since sent me a notification saying that they have verified the credit reporting account, but, I have yet to receive an addressed notification from them or the clinic or credit agency specifying the services that I am being billed for or who the services were provided to ( i.e., my XXXX or my former domestic partner ).
Consumer complaint received 2019-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (PA)

Account Info Reference Number XXXX Court XXXX XXXX CT PA XXXX is showing on credit file after being XXXX. Bankruptcy having a negative impact on credit file. Sent letter to courts for validation no information was received. Been over XXXX  days.
Consumer complaint received 2019-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I had a credit card with Bank of America for over XXXX years ; that I have never, ever missed a payment on. 

In XXXX ; after I had a few fraudulent charges on my card they closed the account on me and would not give me any explanation. They claimed they sent me letters XXXX  but they were lying. 

Even though they closed the card I have continued making the payments on time. 

However I noticed my balance was going up ; went to the branch and was told they had charged me late fees. Apparently they decided to raise my monthly minimum payment ; didnt notify me ; then added late fees ; which they refuse to remove. 

This is ridiculous ; all Bank Of America does is charge consumers excessive fees and they keep getting in trouble for it over and over and over.
Consumer complaint received 2020-09-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (KY)

Around XX/XX/XXXX, we applied for a forbearance due to covid 19.  My husband was fuloughed for a while. We were approved and received an email on XX/XX/XXXX. I had spoken to a few reps between then and now to ask what kind of repayment were we looking at. I was told FHA allows you to defer your payments to the end of the loan. Keep in mind I tried on several occasions to get in touch with someone with no luck. I even sent an email in XXXX trying to reach someone but I was never contacted to my knowledge. We received a letter in XXXX stating how far we were behind. So I called again to try a resolve. I was finally able to speak to someone. She advised me that we were late a pymt in for XXXX which I have denied. New rez bought our mortgage from another company and we were in the process of updating our payments to the new mortgagee. Since she said were we late, we were not eligible to defer our pymts to the back end of the loan per FHA guidelines. I asked her to escalate the call. She said she would have someone call me back. That was over a week ago. We receive another letter today stating we are 5 pymts behind and call them to avoid foreclosure. We want to start making payments again but do not feel like we were given all the info regarding the forbearance and do not feel like the we should have to do a modification loan now. Thank you for reviewing my complaint
Consumer complaint received 2019-10-04
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

I have been sending dispute letters to XXXX for the last XXXX months and I haven't received any response to my challenges. I have been consistently sending disputes about some items on my credit report and there just not taking the time to investigate anything at all. From XX/XX/2019 until now XX/XX/2019, I have yet to receive any document from XXXX, almost seems like they're throwing my letters away. There has been XXXX response, I will attach my last XXXX letters sent to XXXX  to this complaint.
Consumer complaint received 2021-02-15
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. (UT)

XXXX XXXX XXXX XXXX  is reporting an erroneous debt on my credit file. I have attached a letter from The State of Utah, XXXX stating i no longer owe this debt. I need this debt to be removed from my credit file, i do not owe this debt and i haven't for a while now.
Consumer complaint received 2024-03-27
Product: Mortgage — Reverse mortgage
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: Onity Group Inc. (TX)

My father did a reverse mortgage in XX/XX/XXXX on the house and 1 acre of the 9 acre track he owned. He passed away XX/XX/XXXX. At this time we started working to secure the property from the PHH reverse mortgage. After them sending out an appraiser and appraising the incorrect part of the property that was not part of the reverse mortgage we got notice they were foreclosing. We spent from XXXX trying to get this settled to no avail. In XX/XX/XXXX our Realtor, XXXX XXXX with XXXX XXXX contacted us to offer her help. She submitted the short sale packet XX/XX/XXXX and PHH mortgage accepted it and ordered the new updated appraisal. The appraisal came in XX/XX/XXXX in the amount of $ XXXX. We had a buyer in place to accept the property for that amount and started moving forward. Appraisal was ordered by the buyers lender and buyers file was submitted for underwriting. We received the buyer initial underwriting and waiting on the lenders appraisal to be turned back in. We needed to XX/XX/XXXX to get this transaction closed. The Loss Mitigation Specialist emailed and said she was requesting that the investor extend the foreclosure date to XX/XX/XXXX. We explained we just needed through XX/XX/XXXX to get this closed not XX/XX/XXXX. She came back and stated the investor wouldn't extend till XX/XX/XXXX. If they would just give us to XX/XX/XXXX to close this that would be extremely helpful.
Consumer complaint received 2023-04-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I noticed that XXXX XXXX XXXX  was pulling my credit and I called them to ask them what they were pulling my credit on and they told me they were trying to pull it on two things Capital One from XX/XX/XXXX and XXXX from XX/XX/XXXX. So this one that is 15 years old & one that is 26 years old. They were both discharged in bankruptcy 13 years ago but they're still pulling my credit they can't prove that I owe the debt they can't prove that they have the right to go after this debt and they can't prove that they're out the right after the limitation that has expired
Consumer complaint received 2020-07-31
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XX/XX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2010 with a balance of {$0.00} -This is not my account.
Consumer complaint received 2019-10-04
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Byrider Franchising, LLC (IN)

XX/XX/2019, I called the Creditor for CNAC, I wanted to start making payments on my past due amount, {$25.00}, and they would not accept payment that low, they said the lowest that they could accept is {$200.00}, I them I can not afford {$200.00} a month, that's why I called them it offered $ XXXX   month. Even though I am the one that called them to set up something to work on the balance, I was denied a payment agreement.
Consumer complaint received 2019-10-04
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. (MS)

I recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I need this items deleted from my credit report please. I have already contacted the FTC and police department in my area. Items to be removed : XXXX XXXX, XXXX XXXX on XXXX acct XXXX, XXXX XXXX XXXX. XXXX. I also saw some inquiries that i don't know nothing about 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 XXXXL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX EQUIFAX MORTGAGE XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX.
Consumer complaint received 2019-04-10
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. (NE)

In XX/XX/XXXX I noticed there were 2 fraudulent accounts on my credit reports with all three bureaus and contacted each bureau to clear this issue up. XXXX and XXXX XXXX fixed the issue rapidly and on XX/XX/XXXX, I placed a fraud alert on all three bureaus. I submitted the requested documents to Equifax as well and on XX/XX/XXXX, Equifax removed and deleted the unauthorized 2 fraudulent accounts in my name. However as of XX/XX/XXXX, I refresh all three credit bureaus and noticed that Equifax put the 2 fraudulent accounts back on my credit with their bureau. XXXX and XXXX XXXX did not and have blocked these 2 unauthorized accounts successfully from my credit reports. I have given Equifax more than 30 days to clear this situation up and now it has been over 60 days since requesting Equifax remove and delete the 2 fraudulent accounts AGAIN and I have gotten zero response from them. I am filing a complaint with the Consumer Financial Protection Bureau to get rapid assistance as this is affecting my lending needs as a consumer because these fraudulent accounts that do not belong to me are lowering my lending needs from banks. I have paid to my credit monitoring accounts over {$500.00} to refresh my credit and have seen no results on Equifax 's end.
Consumer complaint received 2019-10-04
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (NY)

They keep on sending me emails telling me I'm going to be arrested for a loan that : a ) That I either took out and was paid. 
b ) A loan from a company that I never heard of or taken a loan from
Consumer complaint received 2019-10-04
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. (IL)

I have contacted Equifax explaining that these inquires & accounts do not belong to me but they continue to report them on my credit.. I have sent them a police report, identity theft report along with my ID.