davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-12
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A. (TX)

I have a Macy 's Amex that I paid the balance {$840.00} on XX/XX/XXXX which is what I thought was paying my balance in full. Apparently the balance was XXXX and I missed the XXXX. I am sure it is due to my XXXX XXXX and obviously I would have paid the XXXX. 
I received a call on XX/XX/XXXX saying I was late on my payment. I told them the balance was XXXX. They said I owed XXXX. I has no statement- I had not receive one so they helped me log into my account, I didn't even have log in information. The email they had for me was and old work email and I haven't worked there in five years. No paper bills. The XXXX was the late fee for my XXXX. I asked for a supervisor. She couldn't get one on the phone but did ask about a late reporting because I was freaking out. I paid the balance in full and was told that she asked the supv and because it wasn't 60 days it wouldn't be reported. It is being reported and it has GREATLY affected my credit scores. I run a small business and this negative reporting is affecting my business. Creditors are lowering my available credit. I called on XX/XX/XXXX when I found out about the 30 day reporting. I was told they would look into in and get back to me in 13 days. It has been 13 days and I have not been notified- except for a new bill with a {$2.00} balance for interest on a XXXX balance. This is predatory and unfair practices. If they can call me for {$12.00} then whey didn't ' they call me when the account was late before 30 days and the balance was XXXX. I just received another notice of a creditor lowering my available credit. Please help me. XXXX Thank you so much.
Consumer complaint received 2022-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2022-08-09
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 — Investigation took more than 30 days
Company: AMERICAN EXPRESS COMPANY (AZ)

AS OF XXXX XXXX HAS FAILED TO DELETE THE 5 INQUIRES ON MY CONSUMER REPORT AS WELL AS TO UPDATE THE ACCOUNTS WITH AMERICAN EXPRESS REPORTING ACCURATLEY IT WOULD STATE THE THE PAYMENTS WHERE MADE AND CURRENT AS IT DOES WITH XXXX. ALSO XXXX I HAVE SUBMITTED THE DOCUMENTS PERTAINING TO THE DEFERMENT AND I HAVE NOT SEEN AND UPDATE IN THE CREDIT REPORTING AT ALL ITS SHOULD STATE THAT I WAS NEVER LATE AND CURRENT I AM CURRENTLY IN DEFERMENT AND WAS AT THE TIME OF THE ACCOUNT BEING REPORTED LATE.
Consumer complaint received 2024-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (MI)

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2022-09-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Minto Financial dba Minto Money (MN)

I lost my job XX/XX/XXXX and requested assistance for loan forgiveness. The company is charging me 516.09 % Minto Money File : XXXX Finance Charge {$12000.00} Amount Financed {$2500.00} Total of Payments {$14000.00} Loan # : XXXX Loan Type : Installment Loan Agreement Date : XX/XX/XXXX Effective Date : XX/XX/XXXX Due Date : XX/XX/XXXX every two weeks Minto Financial d/b/a Minto Money XXXX XXXX XXXX XXXX, AK XXXX Phone ( XXXX ) XXXX
Consumer complaint received 2015-04-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX myself and XXXX other roommates leased a house for a term of XXXX year. During this lease the property fell into foreclosure and was bought by XXXX. When XXXX purchased the property they gave us the option to sign a new lease with them or they offered to honor the existing lease terms. My roommates and I decided to honor the existing lease that we had already signed which contained an {$1100.00} security deposit. There was no written agreement of any sort between XXXX or myself stating that they had decided to honor the previous lease. On XX/XX/XXXX we signed an " Intent to Vacate Notice '' which was then sent to XXXX. We received correspondence XXXX XXXX on XXXX XXXX stating he would conduct our check out inspection and that he would be leaving a key box on the door the following day. We never received a copy of the move out report and have been charged {$410.00} for property damage. I never received any notice by mail, email or phone about the damage. I XXXX became informed after XXXX XXXX a debt collection agency out of Florida called me and requested that I pay this debt. I received several phone calls about the debt and had asked to be sent a copy of the invoice for what XXXX was charged for said property damage. They claim that they sent a copy via mail in XXXX which I did not receive.
Consumer complaint received 2024-03-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc ()

paypal permanently limit my account, i requested to restore my account but they refuse i called customer service but no one can answer my call my paypal funds needs asap the funds in my paypal account is a personal payment for a project between me and my clients, i believe paypal mistaken limit my account
Consumer complaint received 2016-05-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF THE WEST (NE)

On XXXX XXXX, 2015 we reinstated mortgage # XXXX with Bank of the West, XXXX XXXX XXXX, XXXX, NE XXXX, XXXX. We were in the process of selling the property but Bank of the West would not work with us. On XXXX XXXX, 2015 we closed the sale and paid off Bank of the West. The payments totalled {$150000.00} ; however, we owed {$140000.00}, or a difference of {$15000.00}. Additionally, we were charged twice for an escrow shortage of {$2500.00} and attorneys fees and inspections of XXXX. The attorney fee and inspection were incurred before Bank of the West had accepted the XXXX, 2015 which stopped out the judicial procedure.
Consumer complaint received 2015-08-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MI)

Greentree has failed to respond to a qualified written request for several months. They have failed and refused ( and continue to do so ) to process my automatic monthly debits form my checking account, resulting in fees and costs for XXXX late fees as a result of their error and last-minute " speedway '' fees, which upon information and belief contributes profit to Greentree 's bottom line. During the call, Greentree makes false statements including that " free options, such as our monthly automatic payment '' are available. I have signed up for the same and Greentree has not initiated withdrawals pursuant to my instructions despite my explicit instructions to do so at least ten times.
Consumer complaint received 2022-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XX/XX/22 My capital one credit card was fraudulently used to purchase in the amount of {$58.00}. I did not make this transaction at XXXX XXXX for {$58.00}. Ive told capital one it is a fraud transaction, however they still refuse to dispute this transaction.
Consumer complaint received 2022-09-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ray Klein, Inc. (CA)

I received a settlement offer dated XX/XX/2022 which has two options. The first option was to " Settle your account for a one-time payment of {$370.00} ; this option saves you {$150.00}. You can take advantage of this option if we receive your payment within 30 calendar days from the date of this offer. If paying at XXXX, use promo code XXXX to unlock your settlement while making your one-time payment. Please note that we are not obligated to renew this offer. '' Option # XXXX is to log into their secure mobile site to design a customized resolution for the account. 

When I tried to use the mobile site to make the one-time payment of {$370.00}, on XX/XX/XXXX and XXXX, it would not let me apply the promo code - error message of " Promo Code Not Valid. '' I called on XX/XX/2022 @ XXXX XXXX, and the credit specialists said he could take my payment for a higher amount than {$370.00} because additional interest had accrued. However, the offer clearly states the offer is a " one-time payment of {$370.00} '' if executed within thirty calendar days from XX/XX/2022, with no mention that there is additional interest or that it is a discounted percent from the total.
Consumer complaint received 2024-03-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (MI)

My issue is with Freedom Mortgage Corporation. In XXXX, during the process to calculate my new mortgage payment for the year XXXX, an error was made by 'XXXX XXXX '' my property taxes -- which have always been escrowed into my mortgage for nearly XXXX years -- causing a shortage in excess of {$2300.00}, and a nearly {$400.00} increase in my mortgage for XXXX I didn/t know of the error until my escrow analysis arrived in XX/XX/XXXX. Based on the error made by Freedom Mortgage, my mortgage skyrocketed from {$540.00} ( XXXX ) to {$910.00} ( XXXX ) I have been able to reduce the mortgage to just over a {$200.00} increase.by spreading out the shortage over 48 months, The new monthly payment is expected to be {$760.00}, However, even that's not affordable... I am a senior citizen, on a fixed income with other financial responsibilities. 

When I received the results of the escrow analysis, I contacted Freedom Mortgage Corporation for an explanation, I spoke with several people, who had difficulty trying to determine what really happened. I finally got someone who seemed to know what she was talking about on XX/XX/XXXX. She was able to review and explain what had been done that landed me in this situation, but that doesn't. make my circumstances any better. I really don't feel I should be punished for the incompetence of someone else who didn't know or care what they were doing.
Consumer complaint received 2022-09-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NE)

I have a Bank of America XXXX XXXX. When I received the card, I also received a booklet " XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''. On page XXXX it describes XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( " ... are injured or become sick during the triip... you are covered for transportation ''. ) I experience an emergency in XXXX ( XXXX; XXXX XXXX XXXX hours and had blood work and a XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and had to return to XXXX for treatment. I have hospital documentation, and I have seen a XXXX when I returned for follow up. When I called Bank of America to receive a claim form the agent told me I don't have that coverage. How does this get resolved if they claim I don't have a coverage I clearly believed I did and is in writing? This seems shady. 
The travel agency handled the return fare but I had to use my credit card. This charge should be credited back to me. 
I have not filed a lawsuit or arbitration. 
XXXX Tours {$1300.00}. 
XX/XX/2022 I would like to work with them to file a claim for this trip interruption benefit from XXXX. 
Last 4 digits of credit card XXXX
Consumer complaint received 2022-08-09
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: EQUIFAX, INC. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-02-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland has sent me an obscene response regarding this alleged debt and still is conveying information regarding this alleged debt to the consumer reporting agencies after I have told them to cease and desist any and all collection activity. Midland has now breached the cease and desist and confirmed that this is a case of aggravated identity theft, has invaded my privacy and obtain my consumer report under false pretenses. My consumer rights are constantly being deprived and anyone depriving a person of any rights shall be fined and prosecuted pursuant to 18 usc 242. Midland has cause unseen injuries and I am even taking out family time to deal with this false claim.
Consumer complaint received 2022-09-06
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Control Technology, Inc. (NJ)

XXXX university wrongful sent a XXXX XXXXXXXX debt to collections which was removed by credit reporting agencies as i was not responsible due to a billing error for the XXXX  of XXXX ( covid beginnings ) XXXX was also defendant in class action in XX/XX/2022 which paid out to former students which i received a share of proving that no actual debt existed or the share would have been retained and applied to this debt. Actions qualified me for borrows defense discharge of all school payments as a result completely releasing me from this supposed debt. Collections refuses to mark as settled and school refuses to release debt until collections does.
Consumer complaint received 2019-02-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (OR)

I requested a removal of Personal Mortgage Insurance. And was informed that if my home value was 80 % LTV on the home that PMI would be removed. I than paid for the appraisal to be done, {$690.00} to appraise the property. The LTV wasnt 76 %. A month later they responded with a letter denying me the PMI removal. They than informed me that I have a 2 year ( 24 month ) seasoning requirement. I was not informed of this before paying for the appraisal nor do I see any paperwork informing me that the PMI removal required this seasoning. 6 months away from reaching 24 months. And than mentioned the appraisal would only be invalid in 120 days since being done. So I would have to pay for a new appraisal
Consumer complaint received 2023-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX, I received a letter from BOA in regard to a denied credit application. This was done without my knowledge. I called and spoke with a person in the BOA Fraud Department. I was assured that BOA would notify the 3 credit bureaus of this fraudulent activity. In addition, I placed a security alert on my credit file on XX/XX/XXXX. As of the date of this complaint, this inquiry is still showing on XXXX. 

On XX/XX/XXXX, I called BOA to inquire and was told since it was over 6 months, I needed to take this up with XXXX. And because there was no credit extended to me, BOA could not provide me with any documentation. I called XXXX and they said they could not help me unless I filed a complaint with FTC.
Consumer complaint received 2020-09-11
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. (WA)

XXXX  ; Experian and XXXX  should not be reporting a collection/chargeoff in the amount of {$2500.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account needs to report a {$0.00} balance. I was relocated for my job and the last months rent was paid, however the assistant manager of the apartment complex failed to apply the payment and consequently sent me to collections in error. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2024-03-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

My daughter passed XX/XX/XXXX in XXXX XXXX. She was XXXX XXXX XXXX. My daughter had credit card debt. I mailed letter deceased notification with a death certificate to each owed. Received letter dated XX/XX/XXXX from XXXX XXXX ref XXXX original creditor XXXX XXXX acct balance {$2200.00}, acct endin in XXXX, they transferred debit into my name. My daughter left no will, she had no assets, not even her car was paid for, owned no real estate. They call me every day leaving messages about my debt and going to sue me. I am not responsible for my daughters debt and they transferred it into my name. I did not authorized nor did I accept or agree to pay the debit.
Consumer complaint received 2022-02-28
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: CORELOGIC INC (FL)

Someone have been applying for credit in my name at the following places -XXXX XXXX  : XXXX XXXX XXXX -factual Data : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 2016-04-14
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

A few months ago, I contacted Capital One VISA to dispute several charges from a company, XXXX XXXX or XXXX, who over a 10 month period charged me approx. {$2000.00}. It started from an internet 'trial ' offer of {$3.00} to try eye serum and {$4.00} 'trial ' offer for face cream. Once it arrived, I discovered the pump on the XXXX ( XXXX ) XXXX bottle was defective and required removing the lid and scooping the goo out with a finger. The face cream was greasy and did not absorb well. I decided to phone the company to discontinue the products only to find the number XXXX to be disconnected. From that point, I returned all future unopened deliveries and labeled " Cancelled '' on each one, assuming I would be credited. It was n't until months later when I noticed the various, suspicious product names on the XXXX statements that seemed to rotate each month. These product names were XXXX ', XXXX ', XXXX , XXXX '. I never ordered additional products other than the XXXX trial offers that totaled less than {$10.00}. The first person at Capital One VISA customer service I spoke to in attempting to rectify the problem was employee # XXXX. She listened politely to my dilema and explained that Capital One would send a dispute letter to the merchant while temporarily reversing all the charges. If the merchant did not respond, the credits would hold and If Capital One VISA believed these charges to be fraudulent, all charges would remain dismissed as well. The maximum credit period was normally 90-120 days but could cover the entire 10 month period if fraud was evident. At that moment, it felt great that justice would be done in hopes that potentially thousands of other trusting consumers would not be duped as I was. My optimism was short lived as I received a letter XXXX/XXXX/16 from Capital One stating they were reapplying all the charges and if I still wanted to dispute these charges, I was to contact the merchant directly. I then contacted XXXX XXXX, also doing business as XXXX ' and XXXX XXXX ', etc. and spoke to XXXX. 
She explained they would only give me a 30 day credit until I told her I would file a complaint with Consumer Protection. She placed me on hold then returned to offer a 90 day credit. When I asked her why the change, she replied it was due to my threat to report the company to the Consumer Protection Agency. ( Frankly, I was a little surprised she would admit it. ) She e-mailed me confirmation to that agreement but did not send it to Capital One. Therefore, I did not receive the credits. All in all, I have spent over 20 hours and have spoken to 17 Customer Service people ( on the phone ) with Capital One VISA attempting to correct this cluster. The customer service supervisors were the least helpful, especially XXXX and XXXX who shared the phrase " Capital One has done everything they can ''. Really?.... and I pay 17.9 % for protection? Hopefully, your agency can be of assistance. Thank you.