davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (FL)

American Express continue to harass me about making the minimum payment that is due XXXX XXXX for the amount of {$1200.00} dollars which most of that balance is pay overtime charges with interest charges and excessive interest fees. The entire balance of {>= $1,000,000} which was combined with 2 pay overtime direct balances, which is double billing with excessive late  fees charges and excessive increase interest rate charges when late fees are applied which causes the balances to increase. Also in XXXX my pay overtime account was inactive for almost 7 years, it appears when it was reactivated in XXXX they tried to change numbers around and adding the accelerated interest rate fees charges and accelerated interest charges on each monthly balances. This went on for years Im still going through my billing statements because I been a loyal member since XXXX I really never paid any attention to my statements, only if a saw a big problem therefore this situation was subtle and complex because you could not go on line and review your pay overtime balances which I always question. They changed my statements billing and pay overtime balances 3 times when I started asking about the billing of pay overtime and pay overtime direct in XXXX when they activated the pay overtime features on my statements. Right now there is a dispute for the billing amount of {$22000.00} but really the dispute should be on the entire amount of {>= $1,000,000} because that balance also includes excessive interest fees charges and excessive interest fee payment on the balances. I have paid my portion of the charges that I made last month which was {$700.00} and I made no charges for XX/XX/XXXX. Therefore they are still sending me text messages and calling me on my phone harassing me to make the {$1200.00} dollars minimum payment on the above balances. Also I notice that {$3100.00} dollars I paid on line in XX/XX/XXXX was not applied to my bill only the {$6900.00} in which my credit union paid off the entire bill therefore XXXX, XXXX and XX/XX/XXXX I paid a total of {$10000.00} that also included pay overtime balances excessive interest fees charges and excessive interest rates charges and I know I over paid. American Express owes me for the over payments balances of pay overtime and increase balances and increase interest rates with increase interest charges. {$11000.00} and maybe more
Consumer complaint received 2023-01-31
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: Experian Information Solutions Inc. (IL)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2021-09-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (VA)

1 ) The mortgage servicer PHH Mortgage has accepted and confirmed the submission and that the file for XXXX XXXX was complete and no further documentation was needed or required on two occasions with PHH Mortgage. The 1st date of complete mortgage assistance package confirmation was XX/XX/2019 by Mr. XXXX ext. XXXX. The 2nd date was XX/XX/2019, which was confirmed by via phone conference with PHH Mortgage representative, XXXX ID # XXXX on XX/XX/2019. 

2 ) PHH Mortgage on XX/XX/2019 then states by verbal communication, that the file was not complete and still needed additional documents to be sent. This places Mr. XXXX review of mortgage assistance within 6 days of an unwarranted sale date that was put on record for XX/XX/2019. The sale date of XX/XX/2019 was put on record while the file was in review and final review. However more than the two dates mentioned above PHH Mortgage has stated the file being complete only to then, come back later and ask for more conditions, all while continuing the process and scheduling of a foreclosure date.
Consumer complaint received 2017-08-11
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. (MD)

I have filed several complaints against XXXX XXXX XXXX for the same issue. They admit that payments are falsely reported as late and then they correct it when I file a complaint only to go back and add the same information back to my credit report at a later date. This was just corrected on XXXX and then on XXXX they add the negative information back to my credit report again.
Consumer complaint received 2017-08-11
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. (MD)

I have filed several complaints against XXXX XXXX XXXX for the same issue. They admit that payments are falsely reported as late and then they correct it when I file a complaint only to go back and add the same information back to my credit report at a later date. This was just corrected onXX/XX/XXXXand then on XX/XX/XXXX they add the negative information back to my credit report again.
Consumer complaint received 2018-09-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (TN)

Today, XX/XX/2018, my employer was served with a wage garnishment order for me. I had no prior knowledge of the potential for this to occur. No one called me or sent me letters. Suddenly they served my employer with papers to garnish for a debt that is over 10 years old.
Consumer complaint received 2020-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I'm not sure how but I believe someone has been trying to use my identity to apply for new credit lines. I reached out to CAPITAL ONE BANK USA NA to get the inquire removed but, they haven't resolved the matter.
Consumer complaint received 2020-05-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NJ)

On the FSA website ( XXXX XXXX XXXX XXXX XXXX ) it states, " any payment you made during the administrative forbearance period ( XX/XX/2020, through XXXX XXXX, 2020 ) can be refunded. '' On XX/XX/2020, I sent an email to FedLoan Servicing asking for a refund on the payment of {$800.00} that I made on XX/XX/2020. I never heard back from them. It is now XX/XX/2020. I sent them a second email today as well.
Consumer complaint received 2018-09-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Duvera Billing Services, LLC (IL)

Duvera Billing Services is incorrectly reporting a debt in the amount of {$1000.00}. Their records show an account was established on XX/XX/2015 for an Installment Sales Contract loan.Their records show that 13 % of payments were made as they automatically deducted the amounts from checking account after numerous attempts to change payment terms, frequency and amount. I was told I could change the billing frequency and due at any time and then was told nothing could be changed. Upon review of the application and credit report, I determined that the loan was granted because the store fabricated information in the app to get me to qualify for the Installment Sales Contract.  They lied and said I was a manager and changed income amount from what I reported. I saw they misspelled my employer name and lied and said I was a manager when in fact a Host. The store advertises everyone approved because they are adding things to consumer apps to get them qualified for a Installment Sales Contract and are not properly explaining the repayment terms and are doing business unethically. The payments were only made because I they automatically deducted from the account I provided and I hate to put a freeze on the account because they said that I could make new arrangements but kept deducting payments.They need to make sure they are doing business ethically and not lieing to consumers and ruining credit. The collection could have been avoided if I was not lied to about being able to change payment arrangement due dates and frequency.
Consumer complaint received 2018-09-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (TX)

On XX/XX/2018 received an alert on my XXXX Credit Report that alarmed me that I have a collection account from a collection firm name Credit Management LP concerning a unpaid bill from XXXX XXXX XXXX for {$280.00}. in which I have never in my life had any service from XXXX XXXX nor requested any service. This collection company have not made any prior or previous Collection attempts to allow me to dispute these charges and have reported a negative information to the credit bureaus of which is now damaging my credit report. This account is clearly not mine and I don't know how they have gotten my Social Security number or obtained my Identity information. The account number in question is XXXX.
Consumer complaint received 2018-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2018, I received two Bank of America letters regarding Secured Business Credit Cards ( Application #, where I had to open a CD in the amount of {$1500.00} in order to process and open the two credit cards.

I applied for one CD on XX/XX/2018 ( Confirmation # XXXX ) and another CD on XX/XX/2018 ( Confirmation # XXXX ). I received two emails saying that " Online application is in progress '' but never received the account numbers or confirmation of opening. Subsequently, Bank of America withdrew {$1500.00} on XX/XX/2018 and {$1500.00} on XX/XX/2018. I have proof of the withdrawal on my bank statements. 

When I called the CD Department, they were unable to locate the accounts and said to call back another time. 

I submitted the Applications # XXXX and # XXXX on XX/XX/2018. I received email confirmation of receipt for them. 

On XX/XX/2018 I called in to Small Business Underwriting to see where we are at. The rep said I have to check with CD first and gave me the run around.

I am out {$3000.00}, no account confirmation of CD 's, and can not even open my two secured business credit cards. This is highly unprofessional.
Consumer complaint received 2018-09-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

I made correct and full mortgage payments to Freedom Mortgage for XX/XX/2018, and XX/XX/2018, a day apart. The XX/XX/2018 payment was 10 days in ADVANCE of the XXXX due date. I made clear this was a payment in advance and NOT to pay to principal. 

XXXX, Freedom Mortgage contacts me about a missing XXXX payment. I explained it was paid in advance, but the rep said it was returned for insufficient funds. My bank balance shows 1 ) the payment was NOT returned, 2 ) the funds were absolutely sufficient with tremendous excess, and 3 ) my bank did not charge me any fees for insufficient funds because no payments were returned. 

I took that opportunity to pay XX/XX/2018 and XX/XX/2018 payments again in ADVANCE because I didn't want to bothered until XXXX. Both those payments were withdrawn from my bank and credited to my mortgage. 

A few days later, I get another call from Freedom Mortgage demanding my XX/XX/2018. I have paid 4 ( FOUR ) months of mortgage in full and correct amounts for XXXX, XXXX, XXXX, and XXXX, and we aren't even past XX/XX/2018 yet. 

My bank provided me a letter from the branch manager on bank letterhead, dated XX/XX/2018, confirming all four payments were made and nothing was returned for insufficient funds. 

I provided several times the bank letter and a complete ledger of my bank history showing all the payments made and nothing returned. I made the XX/XX/2018 payment around XX/XX/2018, and Freedom Mortgage is demanding my XX/XX/2018 payment. The mortgage principal balance also shows no money accidentally went to principal. 

On XX/XX/2018, I gave Freedom Mortgage the ultimatum : they have all the information needed to determine that I made now 5 payments and the error is on their side for the missing payment, if this is error isn't corrected immediately, I will lodge disputes with all three credit bureaus and retain an attorney to drive this matter to conclusion in court. Freedom Mortgage said they are still investigating and would have an outcome by XX/XX/XXXX, that was in 2 more days. So I waited 2 days, and 2 days have passed. 

Today is XX/XX/2018, and I still don't have a resolution. Freedom Mortgage now says the new date is XX/XX/2018. That was the wrong response. Therefore, I have filed disputes with all 3 credit bureaus and provided the same supporting information to the bureaus. I have retained an attorney, and we'll see where that goes too.

I have been going back and forth with Freedom Mortgage for over four months about the XX/XX/2018 payment that they lost. They have billed me late charges. They have posted fraudulent lates against our credit at the credit bureaus. It's clear they lost my payment. Freedom Mortgage knows it's lost, and they can't figure out where it went. I have recorded all the phone calls with Freedom Mortgage, so that information is available to the attorney as well. While Freedom Mortgage is still trying to figure it, I am continuing to accrue late fees and continuing to get hit with false lates on my credit.
Consumer complaint received 2020-10-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (CA)

I opened a case with you earlier that you have closed with BSI. XXXX. 
BSI HAS NOT RESOLVED the issue. We have made a very reasonable offer and gotten no response. 
I absolutely do not feel that they are acting in good faith. Rather they are stalling until they can start foreclosure proceedings and force me into settling. NOD was filed XX/XX/2020 so as you know they can set a foreclosure sale date after XX/XX/2020. It is obvious that they are running out the clock so that they can apply maximum pressure to an already distraught XXXX. 
Because of all of this I am currently being treated for XXXX. Please review my original complaint and reopen it. 

XXXX XXXX
Consumer complaint received 2018-09-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Strategic Alliances, Inc. (NY)

I was a victim of identity theft in 2017. the debt was cleaned from my record. But, yet a debt collector is trying to get money from me. I am not paying for this debt. It is not mine and it has been removed from my credit report. They are still trying to get money from me despite the debt not being mine.
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX  and Experian are inaccurately reporting the payment history of my student loan account. I have been enrolled in school and is erroneously reporting late payments. I sent XXXX  and Experian   documentation from the loan service provider verifying that my loans were under forbearance for the time period the loans are reported late. XXXX  removed the late payments initially but placed them back on my report without notifying me. Experian never responded to my request. XXXX  and Experian are violating the law by reporting inaccurate information.
Consumer complaint received 2017-08-11
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: Experian Information Solutions Inc. (FL)

In regards to the XXXX collections on my credit report, I have called several times with hopes in settling the debts as I am in the process of purchasing a new home. Each time I have called, even in speaking with a supervisor, I have been told that the debts are beyond the statue of limitations and they can not collect any monies on the accounts. If the debts are beyond the statue of limitations and they are refusing to collect any monies from me, then why are they reporting these debts to my credit report. I need these removed ASAP. XXXX : {$5300.00} - {$2500.00} Also, in regards to the XXXX XXXX XXXX account listed on my XXXX report, I have requested in writing twice now for XXXX to remove the debt from my credit report as I am an authorized user on this account and it should not be listed on my report as it is negative. Please remove this account ASAP.
Consumer complaint received 2023-01-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: OPTUM BANK, INC. (GA)

Optum is the XXXX XXXX for my employer. I added a bank account for reimbursement of a procedure for my husband on their website XXXX. I waited the XXXX days and as of XXXX there were no test deposits to initiate a claim for reimbursement for the procedure. Each employee including supervisors provide different information. The supervisor XXXX that I spoke with on XXXX advised there was an issue and the account should have been confirmed. He offered to send the payment to me overnight if the bank account wasn't confirmed once the claim was processed or I could change the account and within 3 days see the test deposit. On XXXX, I changed to a XXXX bank account and here it is XXXX there has been no test deposits. On XXXX the uploaded receipt was sent and email to XXXX XXXX requesting a paper check overnighted to me. The claim was approved and a check has been issued without any response from XXXX XXXX XXXX XXXX she would get back to me and XXXX XXXX dated XXXX noted Monday ) with the overnight information. This company has been very hard to deal with. Everyone provides different information as timeframe and I paid for services yet the company has yet to reimburse me which is what they are holding funds for. I would like my payment sent to me overnight as I was told and it is now XXXX with no response from XXXX whose email notes she would respond XXXX. They have been incompetent in answering basic questions and finding the issue in their system to link bank accounts to receive funds quicker than a paper check in this modern time. I have screenshots the banking information is correct yet not receiving any deposits which is on the companies side not mine.