davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (TX)

Loan transferred from XXXX to Rushmore Loan Mgmnt Svc. My initial loan payment has been misapplied with 83 % of my payment being applied to interest ( last payment w/CapOne was approximately46 % ). I noticed this immediately and contacted RLMS by phone. First, I was told I was not calculating it properly ( I am a banker, so I do understand the correct methodology ). Second, I was told to write their Department of Consumer Affairs - mail or fax. Third, I called again and was now told my case had been escalated and it was not an isolated case. They asked me ( again ) when was my last payment ( note, payments have been auto-debited, on-time for 4 years - and Ive made additional principal payments ). They said they are reviewing it and would provide no timetable for resolution. No estimate, no guidance as to how to obtain an update other than checking onsite daily, calling daily, etc. 

If your business is processing loan payments, it should be fairly simple to do so. And, if an error occurs, they should be able to correct it. Instead, this company is trying to charge me a larger amount of interest than when my loan balance was $ XXXX higher! I question if it is an error or intention and would like this resolved. Also - in researching this company, I have seen countless reports from individuals who can not even payoff their loan and leave RMLS ( they keep denying the payments for a number of reasons, delaying payoff, gaining interest ). I am worried I may not even be able to pay them off and get away! 

The {$2600.00} payment was applied {$2100.00} to interest and {$450.00} to principal. The current loan balance is approximately {$370000.00} and the interest rate is 3.625 %. Original balance was {$560000.00}. Even on the original amount, the interest portion of the monthly payment would not be anywhere near {$2100.00}. Very cautious this is a scam to derive more interest payments from clients as many individuals would not check the details. 

This is only the first payment due/made. I am questioning how long it will take to correctly apply the payment as future payments will further complicate the situation. I do not want this company to damage a strong credit history Ive established over many years. I also set up auto-debit before I realized there was a problem and am now worried what this company may do with this capability. Reports indicate they change amounts and debit at their own discretion.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX Inquiry XXXX 15 U.S.C 1681 section 602 A. I have a right to privacy 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (NY)

I called sunrise credit services to pay for a balance I had for XXXX XXXX however the representatives that I spoke with, stated an account from spectrum was opened in my name to an address : XXXX XXXX XXXX XXXX NY XXXX that I did not authorize and was not aware of. A debt of {$260.00} was attempted to be collected however I refused to pay because I never opened up an account for XXXX not did I ever reside at that location.
Consumer complaint received 2018-08-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I have been writing letters and I haven't gotten any resolve. I have sent XXXX validation letters on these dates ; XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. I have not gotten any paper work that states I owe them anything. The original bill was from Capital One, and all they sent me was a copy of a bill. I have asked them for a signed contract and they have yet to furnish me with anything. The amount that they say I owe is {$400.00}.
Consumer complaint received 2022-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Our account was hacked through a scammed XXXX transaction on XX/XX/2021 for {$2900.00}. Within hours of the fraudulant withdrawal, we went in person to our local branch to stop the transaction in the same business day. We have made phone calls and written letters all of which have been denied. 

Our understanding is that fraudulent XXXX transactions are covered by XXXX  XXXX.
Consumer complaint received 2019-05-06
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Global Lending Services LLC (GA)

I can not wholly blame Global Lending for this adverse action I am filing. I am very disturbed as I am writing this complaint and I take no joy in this regretful process. However, Global Lending could resolve this complaint in a matter of minutes. I totaled my vehicle on XX/XX/2018. I had financed with this company. My insurance company lied to Global Lending and me. Before I went to the V.A. Hospital for an elongated stay after several months I was released I found out Global Lending had  charged my account off for non-pay. I was told to me my account had been paid off. Everything has been paid off now. However, your company is reporting a charged balance of XXXX XXXX dollars or more. This painful and regretful error is causing severe backlash from my mortgage provider. As a Veteran and a XXXX XXXX member, I surely didnt expect this betrayal of public trust. I fought for this country, and I protected my insurance company freedom to do business. I am taking this approach because I couldnt get it resolved otherwise. Again, I am not totally blaming Global Lending for this miscarriage of justice. However, I am bringing to their attention the lack of communication and not taking this dangerous situation as a priority and overlooking the fact this is ruining my life. It is incredibly extreme to me as a consumer. Please help!
Consumer complaint received 2018-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Enterprise Systems, Inc. (NC)

I XXXX XXXX XXXX ( Married name ) opened a Credit Card with XXXX  XXXX XXXX with a credit line of {$800.00} on XX/XX/XXXX as XXXX XXXX ( Single Name ) because of lack of communication at the branch where i opened since i didn't speak English neither XXXX which the XXXX  XXXX XXXX associate spoke, i didn't make payments on time, so it went for collection. 
But i never refused to pay for my debt, i just refused to pay the outrageous bank over fees, so as it went for collection i negotiated with the collection agency and Settled the balance in Full. 
Also i want to report XXXX  XXXX XXXX for fraudulently using my married Name to report on my new social Security name that i obtained after my marriage privilege that gave me a status of obtaining a social security number which i didn't have any when i opened this account on XX/XX/XXXX as a Single Lady. 
My Social Security Number only got issued this year on XX/XX/XXXX. 
I am not neglecting to pay any legal amount that i owe, So only what i owed, i paid and settled in Full. 
The Representative at XXXX  XXXX XXXX told me that i didn't have to make any payment on this credit card till after 8 months of opening it. 
I invest my money oversees in Banks so i totally understand how horrible fees can be if not managed properly. 
I could even file a Consumer Law Action about this but i rather seek for my rights with Consumer Financial Protection Bureau. 
So i Hope this finds a good hearted person to help me dispute this from my credit correctly. 

Thank you so Much. 
Kind regards XXXX XXXX XXXX.
Consumer complaint received 2018-09-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

I was constantly sending in documents to qualify for a workout solution. 
I live with my family and we are all working in resturants I tried to better myself and help my family by investing the money from my job into the business so I could always have a job. I only had a 20 % investment into the business. 

One of the representatives said I did not need to show the taxes from the business another said I did, after sending over 50 pages of the business tax returns they told me I did not earn any more and could not afford my mortgage. 

They made me go to a Wells Fargo Bank to sign my documents. Every thing they could do to discourage me from working to save my home they did. 

I say that I have been denied because of a Computer Glitch and hostile workers in Wells Fargo.
Consumer complaint received 2018-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NY)

I have been with American Express credit card for at least 10 years in all this time I've made my payments on time except for this past few months since I lost my job and was late 3 times, 2 of which was 1 day late. They now charged me a {$27.00} late fee and raised my mininum due payment from {$35.00} to {$62.00}. They told me they would put me on a payment plan of {$16.00} a month but close my account which is already closed since it was issued through XXXX & I no longer wanted to pay the {$50.00} annual fee. But this would harm my credit.
Consumer complaint received 2021-09-08
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bayside Capital Services, LLC (CA)

Debt collector has called over multiple dates and has repeatedly been asked not to call my employer by myself and other employees. Last call received was XX/XX/21 after being told on previous days not to call anymore. Threatening tones used also
Consumer complaint received 2018-08-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (GA)

I sent Cavalry Portfolio a dispute letter dated XX/XX/18 via XXXX certified mail for an alleged outstanding debt in the amount of {$750.00}. It was delivered to them and signed for on XX/XX/18. In my dispute I clearly ask for verification of any signed document by me that says I agree to pay or owe Cavalry Portfolio any outstanding debt. I have never spoken to any one from this company or made any kind of arrangement of payment to them. This is not a valid debt that I owe and I'm asking for copies of signed documents, bearing my signature to this account. Cavalry Portfolio has not provided that. What they sent me was a letter dated XX/XX/XXXX, which states they recieved my dispute and not even a copy of a bill ... but a statement showing final charge-off numbers. 

I followed that up with another certified letter dated XX/XX/18 that was signed for them on XX/XX/18. In this letter I continue to state they have not provided me with the signed account documentation I requested. My letter clearly states per FTC opinion letter from XXXX  XXXX XXXX a copy of a bill is not verification. I want the names and contact information of anyone Cavalry Portfolio claims has verified this alleged debt. They responded by letter dated XX/XX/18 by resubmitting the same copy of charge-off figures. Obviously Cavalry Portfolio doesn't have any documents to verify this alleged debt they say I owe them, and are just stalling hoping I will go away. In my XXXX letter I said that I would contact this agency and make you aware of their tatics. If this account isn't immendiately deleted from my credit report, with all credit report agencies, and also not sold to another collection agency my next step will be court action.
Consumer complaint received 2018-09-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (SC)

This company claims that they verified a debt with me. This company sent me a old lease that they claim is mine. In the contract under ( Full legal name ) the contract says XXXX XXXX. My name is not XXXX!!! My full legal name is XXXX XXXX XXXX.XXXX is a guys name and XXXX is a girls name. Plus on a completely separate page they show a signature that doesn't even match. Then there is a separate page with no signature, just a typed up bill with bogus charges with dates that aren't even on contract. They also claim they tried to contact me but they didn't even have MY ADRESS OR PHONE NUMBER!! This debt is CLEARLY not verified and clearly is not mine!!!!!
Consumer complaint received 2018-09-07
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN HONDA FINANCE CORP (PA)

I have an automobile loan with Honda Financial Services. I will admit I'm a slow pay ; however, I have never been 30+ days late. However, once the grace period ends, Honda Financial Services collectors call on an average of 3 - 5 times a day. I have asked them every time that they call to please stop calling me so many times a day that it is bordering on harassment and that I would report them to the appropriate authorities. 

Their response to me was go ahead. We don't care. The regulators do nothing and won't do anything.
Consumer complaint received 2018-09-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NY)

Freedom Mortgage has repeatedly not credited timely payments by holding up the processing of these payments until after the " late payment date ''. Then the following invoice includes a " late fee '' for not making a timely payment. In this case, the payment was not processed for 3 weeks after the payment was made. As this continues, late payments accrue as it is not possible to receive the next months invoice ( with the new " late charges '' ) in time to pay the next, which based on their processing times exceed three weeks. The last time this happened, they refused to apply my payment because it did not include the " late fee '' and hit me with a credit ding for being 30 days past due. Of course I had no idea it was processed after the deadline, as all of these payments are automatic through my on-line bill payment. 
It seems Freedom Mortgage is using this technique to skim an additional payment on each mortgage payment. It seems irrelevant when they receive payment, they only credit the payment when it is " processed '', which is entirely up to them.
Consumer complaint received 2018-09-07
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 have reached out to Equifax numerous times over the past 2 years in regards to fraudulent accounts reporting on my credit with XXXX XXXX XXXX XXXX XXXX. The following accounts are not mine : XXXX {$8600.00} opened XX/XX/XXXX XXXX {$1300.00} opened XX/XX/XXXX I have reached out to XXXX XXXX XXXX XXXX and reported the fraudulent accounts also. Equifax removed these accounts from my credit XX/XX/XXXX and now they are back on my credit. These are fraudulent accounts that I never opened with this bank and Equifax states they are investigating this information however it keeps appearing on my credit. I am attaching my police report as well as fraud affidavit and letters that I have sent to Equifax. This needs to be corrected immediately or I will have to take legal action against Equifax for not following the law in regards to fraud victims. Please assist me with this matter.
Consumer complaint received 2018-08-21
Product: Credit reporting, credit repair services, 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: EQUIFAX, INC. (IL)

Equifax is delaying my request for an investigation by means of multiple requests for identification that was provided with the initial request. Equifax has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report. This is a serious ongoing issue with them as you will see Please see enclosed documents ACCOUNTS XXXX XXXX XXXX never late XXXX XXXX XXXX never late INQUIRIES XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized
Consumer complaint received 2018-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (GA)

We paid {$200.00} to the Discover Card Account on XX/XX/2018. Months ago, we were told by Discover customer service that in order for a payment to post immediately, we must pay through an authorized bill payment system. We did the payment through XXXX bill payment, and had decided to pay that way henceforth because Discover do not take payments from a debit card. That payment did not post until four days later. One week after making the payment, we were informed that the account was closed. We did not receive any type of notice. Two weeks later, we finally received the letter stating the account was closed due to payment issues. Its not our fault that Discover only takes checks. That is old and they need to change their payment acceptance policy to take debit card payments from the checking account. Times are changing, and they need to change with it. We did not receive anything in the terms and conditions that states they can close the account due to payment issues. We were late only once.
Consumer complaint received 2018-09-07
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I ran into hard times and went thru a loan modification in XX/XX/XXXX. I had missed a total of 18payments having made some in between it wasnt all in a row. My original mortgage amount was {$190000.00} they were supposed to take my past due payments and put them in a separate account with a 0 % interest and wave all late charges and any other fees is what I was told and agreed to. I have never missed or been late on any payment since the modification. Now currently during XX/XX/XXXX I was trying to buy a new home after selling mine to pay off bank of America and now have a second mortgage of {$57000.00} to add into the {$130000.00} principal balance which would total {$190000.00} meaning in 5yrs of paying an average of {$1000.00} a month ( {$60000.00} ) my mortgage has not changed at all. And my house isn't even worth what I owe making me have to cancel my contract and take my home off the market. I feel like I was scammed on this modification and that this needs to be negotiated and settled. I have owned my home for 11yrs with the purchase price of {$180000.00} and now somehow owe {$190000.00}. I honestly feel like the second mortgage is bogus and needs to be taken off as after 11yrs I should have seen a very noticeable drop on my principal balance.
Consumer complaint received 2018-09-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants and Professional Bureau, Inc. (TX)

After reviewing my credit file I have 2 accounts that do not belong to me from your company Merchant and Professional. I am a victim of identity theft and the accounts listed below which appear on my credit is the result of identity theft. Furthermore, I have never even done business with your company or any company that you represent. Not only did you insert these fraud accounts into my credit file you did not give me a notice that these accounts were being inserted nor did you give me my right to dispute the validity of these alleged accounts. Due to the fact that I know for certain you can not provide proof bearing my signature because these are not mine I am requesting that these accounts be removed immediately, If the accounts listed below are not removed I will be forced to pursue legal action against Merchants & Professional. This is your notice that these accounts are disputed and they are a result of identity theft.

One account is the amount of {$2100.00} Another account in the amount of {$1400.00}
Consumer complaint received 2018-09-07
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: Experian Information Solutions Inc. (NV)

I received an alert about a new hard inquiry added to my credit report but I haven't applied for anything. Please remove this fraudulent hard inquiry from my credit report XXXX XX/XX/2018 2018
Consumer complaint received 2023-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$69.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XX/XX/2022 XXXX  XXXX XX/XX/2022
Consumer complaint received 2018-09-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (TX)

In XX/XX/2017 I accepted a buyout with XXXX. XXXX had a 3 way phone call with me the same day- recieved all payments and closed both my XXXX accounts. I called XXXX  in XX/XX/XXXX and XX/XX/XXXX spoke with both a male and female who verified both months there were no further charges. XXXX  had reopened 1 account without my knowledge or notification. No bills were sent- no calls from XXXX. First agency removed themselves and appropriately corrected info- XXXX turned around and attempted to now triple bill with another collection agency. All calls have been recorded, need to be accessed and XXXX needs to not only fix thier mistake, but honor thier original calls.