davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Today,  XXXX   XXXX ,  2017 , I spent  45 minutes on the phone with Capital One reps trying to gain access to my credit card account online. Turns out the new website REQUIRES users to provide their annual income in order to gain access to their accounts. I am not aware that users are required to disclose their income to use one of their existing cards. I have no interest in credit line increases. I would just like to use the card and pay my bill. Since Capital One wo n't give me acc ess to the account online without my disclosing my income, WHICH IS NONE OF THEIR BUSINESS, I closed the account.   XXXX  Why are credit card companies allowed to require income disclosure in order to use their product?
Consumer complaint received 2017-10-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BMO Bank, N.A. (CO)

In XXXX my husband and I claimed a bankruptcy due to loss of employment. Part of that bankruptcy was a stipulation or modification with BMO Harris ( BMO Harris attorney was at the hearing ). The stipulation was that we pay XXXX per Month for 36 months with no interest and XXXX per month beginning on XXXX/XXXX/XXXX with an interest rate of XXXX %. My husband and I followed the stipulation and now that our bankruptcy is discharged and our credit rating a little better decided to refinance for a lower rate and combine the first and second mortgage. 
We had to request a payment history from BMO to show we had paid our payments timely. When the payment history was provided the payments were not recorded timely. Sometimes a whole month was skipped and two payments recorded the next month. Sometimes the payments were recorded late in the month. This did not show a consistent payment so I had to reach out to my bank for the history from the bill pay with chase bank to show that I had paid on time each month. This almost affected my ability to get a refi. On the payment history provided by BMO it showed a balance of XXXX. While I understand that this is not a payoff, it is usually pretty close. Prior to closing we requested a payoff. We were first told it would take 3 weeks. After some argument they said 5-10 days. When the payoff was finally sent it showed a balance of XXXX. This was a huge surprise. BMO despite that fact that my BK had discharged and I had requested statements did not send any.
When calling BMO Harris I spoke with XXXX who said that they had applied my whole payment to principle and had not followed the XXXX % that they were supposed to. This was another obstacle for us to be able to refinance as the amount was XXXX over what was on the payment history sheet sent previously. They did not follow the court order of the Bankruptcy, and were now wanting to back charge me all of that interest. This also will affect my taxes. I am trying to better my financial situation as a responsible consumer and kept my home instead of adding to the ugliness of the home crisis at that time. BMO Harris seems to have been irresponsible and I am now paying for that.
Consumer complaint received 2017-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (CA)

I am carrying a large balance on a Visa card issued through Barclays. I recently discovered that my job may soon be phased out. I contacted Barclays to request a lump sum settlement of my balance before I fall into financial trouble. At first I tried requesting that they discharge the high interest charge they had placed only 3 days prior. The phone rep kept refusing to waive any amount. I then asked for a supervisor or manager. I was place on hold for several minutes until someone else took the call. Again I was given the same speech about how they can not waive the interest. I kept trying to explain that all I wanted was to pay the balance but needed help with a discount or minor discharge on the balance so that I may pay a final lump sum settlement. I explained that I wanted to settle this account before I start falling behind due to my future employment status. Due to their continued refusal of how they could not change any information on my account, I again asked to speak to a supervising manager/director. I was again placed on hold for a long period of time. Periodically I heard clicking on my end of the phone but no one else would speak into the phone. After 52+ minutes, I heard some # key tones and then disconnected altogether. I feel this type of behavior is unprofessional and hurts the consumers who want to be able to keep a good faith relationship with these types of companies/services. It is shameful that they would rather see their consumer fall into dire financial hardship due to their unwillingness to compromise on what amounted to be a few hundred dollars to a couple thousand. When at the end of each day, they close their books largely billing billions of dollars.
Consumer complaint received 2024-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (TX)

On XX/XX/year>, my company received a deposit of {$3600.00} from another company, XXXX, which is XXXX of the most popular third party financing companies used my many businesses. I transferred {$2000.00} to my checking account. The {$2000.00} is within Squares guidelines. The remaining {$1600.00} I currently do not have access to due to my account being suspended with no explanation. I can not transfer or use the debit card Square sent me after the account was suspended. My clients have their product/service and I dont have access to all the funds. Square asked me for information on my business and I provided in a timely manner. I sent the Limited Liability Company ( LLC ) document provided to me by the state of Texas. I also sent federal EIN document provided by the Internal Revenue Service and my personal bank statement for the past 90 days. The account is still suspended at this time. Ive attempted to call, email and chat with no way of speaking to an actual person. I feel Square is holding my funds for no reason at all.
Consumer complaint received 2024-01-29
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am outraged by the continuous inaccurate reporting on my credit file concerning the XXXX XXXX account, despite successful resolutions with other credit bureaus.And despite my efforts, the bank has not provided any supporting records for the alleged late payments. A recent conversation with a XXXX XXXX  representative confirmed the inaccuracies, with a commitment to update my credit file. 
Account Details : Account Name & Number : XXXX XXXX XXXX Date Opened : XX/XX/year> Inaccurate Information : XXXX
Consumer complaint received 2017-06-09
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. (NJ)

XXXX  has failed provide validation of this debt i allegdly owe they have failed to provide me any info after numerous attempts all  XXXX  credit bureaus have not investgated and or removed from my reports
Consumer complaint received 2017-06-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (GA)

Navient  XXXX .  XXXX   XXXX   XXXX , PA  XXXX  I am responding to your errant letter referenced above and enclosed for your review. For the record, the alleged consumer-reporting agency indicating the above loan is not [ mine ] or may be the result of identity theft is in complete error.     The referenced account is listed on my consumer reporting agency credit report and deleterious [ wrong ] information continues to be reported by Navient. Although the account is closed you have repeatedly reported that I was  90-120  days late on my payments.     This is incorrect. Further, I have repeated asked that Navient provide me the backup documentation supporting this claim, to no avail.  Navient  has refused to provide me any supporting documentation in furtherance of their claim. As you are aware, FCRA requires you to produce the information.     I am asking again to either square your allegation or cure [ remove  ]  the false information being reported to each of the  three  credit bureaus. Please reference below : CFPB Sues Nation 's Largest Student Loan Company Navient for Failing Borrowers at Every Stage of Repayment. Navient, Formerly Part of  XXXX   XXXX , Illegally Cheated Borrowers Out of Repayment Rights Through Shortcuts and Deception  XXXX   XXXX ,  XXXX .     What I am specifically referring to are the  XXXX   ( 90 )  and  XXXX   XXXX   (   120 )  payment history being reported wherein  Navient  falsely alleges I was late.  Navient  also reports that for the months  XXXX   XXXX   XXXX   XXXX  my account was paid on time. Given the history of the on-time payments, it was not possible for me to be 90/120 late in  XXXX   XXXX  respectively.     I am requesting that you permanently remove this erroneous reporting to all three credit bureaus.
Consumer complaint received 2021-09-03
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (SC)

I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused a big stress on my life. My most recent certified letter I sent was XX/XX/2021
Consumer complaint received 2017-06-13
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Oracle Financial Group LLC. (VA)

Person by the name  of   XXXX   XXXX   sa id he was an  investigator with the county I live in and said my name had come up in an investigation. Did not give the name of the debt collection agency. Called from number (  XXXX  )  XXXX  and told me to call him back at (  XXXX  )  XXXX . The first number is from  XXXX  and the latter number is from  XXXX , FL. This is illegal for debt collectors to do.
Consumer complaint received 2017-06-13
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (CA)

LVNV Funding fi led a lawsuit  XXXX  requesting payment of {$5800.00} for a motorcycle that was repossessed in  XXXX . A settlement was agreed to in the amount of {$2500.00} and payment was paid in full on  XXXX / XXXX /  XXXX  .  LVNV Funding ha s not furnished any confirmation the settlement has been paid in full and still continues to report on  XXXX  and   XXXX   a delinquent account. This report has negatively affected my attempt to refinance my current mortgage.
Consumer complaint received 2021-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FinCo Services Inc DBA Current (WA)

I signed up for a checking account with an attached bonus of receiving {$50.00} when I received a direct deposit of {$200.00}. I received a qualifying direct deposit on XX/XX/21, and received an email stating I would receive my {$50.00} bonus. XXXX  said that the bonus normally is added within two weeks, but can take up to 30 business days. I have not received my bonus yet and it has been over 30 business days. I have reached out to XXXX  multiple times with the promise that this issue has been escalated to upper management and they will reach out in 1-2 business days. I have been told this 3 times over the last week and a half and no one has reached out.
Consumer complaint received 2017-04-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ORG GC GP BUYER, LLC (OH)

I had a phone lease through the cell phone carrier  XXXX . The phone was returned to the store, but  XXXX  did not account for the phone.   As of now I am receiving collection notifications for the phone i rightfully returned.
Consumer complaint received 2017-08-27
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. (ND)

I am a victim of identity theft. The following XXXX credit card account ending in : XXXX is listed on my XXXX XXXX, XXXX  and Experian credit report and is fraudulent and unauthorized, and I did n't apply for the XXXX credit card account. The account do n't belong to me. It 's a fraudulent account.
Consumer complaint received 2017-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (OH)

On a statement, American Express set my Due Date as  XX/XX/XXXX  ( Sunday ), From my bank, I initiated Electronic payment on XX/XX/XXXX  ( Thursday ), My Bank processed Electronic Payment on  XX/XX/XXXX  ( Friday ) Bank confirmed in a statement that Electronic Payment has sent on  XX/XX/XXXX  ( Friday ) American Express is saying they are receiving and processing payment everyday from other financial institutes, but still on my statement, they posted payment on XX/XX/XXXX  Tuesday.
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My Bank is saying they did their job on  XX/XX/XXXX  Electronically, and Amex is saying, they are receiving and processing payment everyday, then why American Express purposely putting Payment due date as  XX/XX/XXXX .
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American Express has charged me {$38.00} Late Fee and {$130.00} Interest, which both they refused to remove.
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Its appears that, with Dodd-Frank regulation, Financial Institutions are committed to avoid Traps, which harms consumers and should be avoiding those traps, to make money.
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While American Express knows that,  XX/XX/XXXX  was Sunday and  XX/XX/XXXX was   XXXX   XXXX   public holiday and most of Financial Institutions in USA do not execute internal transactions on Sunday with each other, American Express is benefiting and making money by setting up this type of traps which negatively impacts consumers. So whomever customer do not raise their voice, would end-up paying Fees and Interest without their wrong doing..
Consumer complaint received 2022-09-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC (CA)

XXXX XXXX financial harasses me they call me back to back to back up to 6 times in a row if I dont answer. They call me over 7 or more times in one day, every day. They call me weekends sundays, up till XXXX! They call me from many different numbers over a dozen different numbers. They have found my parents home number and call them. They asked me to pay more than what my fees are. They dont ask me they demand me to pay. Its getting out of hand its been going on for months. I took the sales man to court because he sold me a lemon car but he lied and he got away with it. Ive been laying everything thays broken out of my own pocket, I dont have enough to be paying almost {$700.00} a month on top of my bills and paying over XXXX or more for the broken car I got sold. I have made a claim with them before they said they could not do anything about that.
Consumer complaint received 2022-03-03
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Movement Mortgage LLC (FL)

On XX/XX/XXXX, we began the mortgage process with Movement Mortgage in XXXX, Fl. All documentation request was provided including access to banking information, tax returns, and pay stubs. Pre-approval was provided and I began shopping for a home. On XX/XX/XXXX we made an offer on a home which was accepted. The closing was scheduled for XX/XX/XXXX. I asked to move the date up since the sellers were no longer in the house but was told no it could not be done. On XX/XX/XXXX I received an email that my loan was approved with conditions. On XX/XX/XXXX, I emailed with all the requested information. I also inquired if anything else was needed. I did not receive any communication that there were concerns or missing data. On XX/XX/XXXX a week before closing I was told that additional employment verification needed which was provided within 24 hours. On Monday XX/XX/XXXX, I received numerous XXXX documents about information that I had provided on XX/XX/XXXX. At the end of the day XX/XX/XXXX I was told the closing scheduled for the next morning was canceled. I had movers and deliveries all lined up, no secured living space, time off work and they had no real explanations. On Wednesday the day was scheduled to close I was told it was a delay in processed because of the employment verification issue. A delay that you knew about three weeks before closing but did not address. They were inefficient, costs me hundreds of dollars and want to delay for additional days with the same excuse which is a lie. They did not process my information or follow up in a timely manner. They have no remorse for the inconvenience of financial costs with pushing this closing back for no reason other than incompetent practices. 
I am stressed and devastated with the process. My daughter cant come home for spring break because I have no home for her to come to. The need to do better and be diligent about their processes. There website boasts about how quickly their loan process is and how quickly they can get to closing. It is all a lie. Beware of doing business with this company.
Consumer complaint received 2017-08-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (OH)

I have already begun a dispute of the validity of a series of debts being reported on my XXXX, XXXX and XXXX XXXX reports with CCS AKA Credit Collection Services AKA Credit Control Services but upon doing further research about the company in question I have come across a major violation of FDCP and Ohio debt collection law. CCS AKA Credit Collection Services AKA Credit Control Services as of XX/XX/2017 and present are not and have not been registered to do business in the state of Ohio and as such is in violation of attempting to collect a debt within the state of Ohio, my state of residence.
Consumer complaint received 2017-08-28
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. (CO)

Went through a loan modification in XXXX with XXXX XXXX Loans. My husband had a XXXX XXXX XXXX and had been out of work. Mod was approved at the end of XXXX, payments to start the trial mod in XXXX or XXXX. All completed on time as agreed. Final modification went into affect XX/XX/XXXX was told throughout the process, the account would be updated to reflect current payments. Now I am being told that ca n't and wo n't be done. I would have not gone through all of this had I not been assured in several phone calls that every thing would be updated to current one the modification was approved. I could have paid XXXX and XXXX late and been current from XXXX forward. I would have been better off financially for sure. 
I only want the time from XXXX removed as that was the time to wait for the trial period to begin. I offered to pay the loan every month and was told not to do so. I think it is only fair to remove the 60,90 and 120 day plates as that is not accurate
Consumer complaint received 2018-02-01
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. (NY)

I have 2 accounts that do not belong to me. I already complained about this to the credit bureaus but I have not gotten a response from any of them. I would like these 2 accounts taken off my credit report. 

A XXXX XXXX XXXX account that I've never had. There isn't even an account number listed. This account was opened in 2008, over 7 years ago. There is a balance of {$3200.00} listed as a charge-off. Not only does this NOT belong to me, but it is too old to be reporting on my credit. 

XXXX XXXX is reporting a charged off account in the amount of {$550.00}. This is account does not belong to me. I have never had an account with XXXX XXXX. I am requesting that this account be removed from my credit report.
Consumer complaint received 2017-08-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION (CA)

I was admitted to the ER at XXXX XXXX XXXX HOSPITAL on XX/XX/XXXX. After being there approximately 1 hour, they discharged me stating I had a XXXX and nothing could be done. Eventually I received an ER bill in excess of {$5000.00}. When I applied for XXXX through the 'brand new ' ( at the time ) XXXX XXXX healthcare exchange, a number of problems occurred outside my control with the system and it 's implementation. Eventually, XXXX corrected the errors and said they would pay for my bill. By the time they admitted to their mistake, the hospital sent my bill to a collection agency. 

I contacted the collection agency with a Eligibility Letter of Authorization dated XX/XX/XXXX where they told me they " could not send paper bills '' and " tried to charge XXXX electronically but were denied. '' They requested that I, as the consumer, bill XXXX directly and just pay them with my own money as I could be reimbursed by XXXX. This I know is not true. They are refusing to use the actual way to pay the bill.
Consumer complaint received 2020-06-20
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 — Problem with personal statement of dispute
Company: PENTAGON FEDERAL CREDIT UNION (NY)

To whom it may concern I've opened an account with XXXX XXXX in XX/XX/XXXX and been late twice due to major XXXX in XX/XX/XXXX which took 3 months to heal and has not been late ever since. I have sent XXXX a goodwill letter asking them can this remark be removed due to my account being in good standing because it's hurting my credit and for me to get credit, please see attachment. 

I opened a PennFed FCU Bank in XX/XX/XXXX and missed XX/XX/XXXX payment due to Major XXXX, Since then My account have been paid on time. I have sent PennFed a goodwill letter asking them can this remark be removed due to my account being in good standing because it's hurting my credit and for me to get credit, please see attachment. 

I opened a XXXX store card in XX/XX/XXXX and missed one payment in XX/XX/XXXX due to job layoff however, since then, my account have been in good standing. I have sent XXXX a goodwill letter asking them can this remark be removed due to my account being in good standing because it's hurting my credit and for me to get credit, please see attachment. 

I opened a XXXX XXXX XXXX XXXX XXXX account in XX/XX/XXXX and never missed a payment, However my report is showing the payment was missed in XX/XX/XXXX, I have called many times and also sent letters to rectify this matter and its been 3 years later and the missed payment is still being reported.