davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-30
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Revenue Recovery Corporation (TN)

ok the medical debt is my wifes medical billed that she owed from the hospital. they kept calling me after XXXX and report a bad credit on XXXX. Then my credit scored went down because of that they kept threatening me that if i will not pay the bill that my wife owed they will continue to hurt my credit score. I talked to my wife she said that m she already asked them to remove a XXXX dollars every month on her checking account.
Consumer complaint received 2019-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (MD)

Hello, I signed up for XXXX XXXX XXXX financed by XXXX XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX. This was for my XXXX services that my doctor recommended using. They offered 1 year of 0 % interest and 28.99 % APR after the 1 year. However, this was far from the truth. 

I made all my payments on time on the XXXX of every month. On my very last payment that was due XX/XX/XXXX2018, I missed the payment date by 3 days. I tried logging into my account online, however, I had issues logging in and after a lengthy process, I was finally able to log in. When I logged in, I saw that I was charged an access of {$800.00} in interest because I failed to make my last payment of {$150.00} by 3 days. 

I figured I call the company and explain to them that there must be a mistake. The person who answered the phone insisted that I don't make any payments and write a letter to the company explaining myself. So, I took her recommendation and did not make my final principal payment of {$150.00}. I got a letter back from the company saying that I had signed an agreement and that the interest was a revolving interest for a promotional period, and if I didn't make the payment within the given time they can charge me all of the interest from the year and I was liable for it. 

This made no sense to me. I can't believe that this could be legal. They used very predatory practices and tricked me. I was under the impression that I would get charged 28.99 % interest on the remaining balance if I did not make the payment within the promotional period. Instead, they charged me the interest on the original amount, which doesn't make sense to me. 

After receiving the letter, I called the company again and talked to higher management. They told me that they have a 3 day grace period and that If I made my last payment of {$150.00} on the day that I originally logged in on XX/XX/XXXX18 they would have relieved me of the interest. I explained to higher management that I was consulted by the previous agent not to pay and to write a letter. The higher management tried to use some fancy verbiage and ultimately said she was not relieving me of the interest and that I should call their 'hardship ' line and see if I qualify. 

I went ahead and made the final payment of the principal amount of {$150.00} on that date, so it goes on record that I made my final payment. I contacted the 'hardship ' line and soon found out that I wasn't able to go through with that. 

I tried contacting the company again, but they still refused to close my account and said that I am responsible for the interest amount. It is currently on my credit report and the number is increasing. They are charging me late fees and are charging me interest on interest, and they called it a revolving interest. 

None makes any sense and I am truly speechless that a company could operate with such predatory practices. They were completely deceiving and I am a victim of their practices. 

Please Help!
Consumer complaint received 2015-07-14
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Automated calls from " XXXX with Capital One '' calls my home phone excessively all times of the day, claiming that she can offer a solution to my credit problems. 
My XXXX account with them in not delinquent and is current, and has never been late or missed. 
I have called them XXXX to request my number to be removed. 
I am registered on the Do Not Call list. 
Most recent Call history from them:XX/XX/XXXX @ XXXX @ XXXX @ XXXX XXXX @ XXXX
Consumer complaint received 2015-07-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation (OH)

I am in the middle of a bankruptcy case. I was told that once my loan was included in the bankruptcy that PHH Mortgage would finally give me an answer to my modification request. PHH Mortgage has yet to give an answer after I have submitted my paperwork over and over again. There has been no answer for over 6 years. Now I am facing my bankruptcy case being thrown out of court because PHH will not modify my loan, so I can keep my home.
Consumer complaint received 2021-10-08
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. (FL)

My identity was stolen many years ago. I sent the required paperwork to the credit bureau in 2017 and they removed the item. Years later they put the item back on my report. They failed to notify my as is required per the FCRA. I filed and additional dispute and they did not reply in the allotted time period. It seems the CRA 's can get away with just about anything they want.
Consumer complaint received 2019-02-26
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. (MD)

I examined my credit report during XX/XX/2018 and noticed that there were many accounts that are fraudulent on my report. I am in serious need of those items being removed from my credit report.
Consumer complaint received 2015-03-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XXXX XXXX, I paid my mortgage to Bank of America using my Bank of America phone app ( they way I always make my mortgage payment ). At that point it was XXXX days past due. We 've been struggling to make our mortgage payment and are finally in the process of selling our home. On XXXX XXXX, I received the payment back in my checking account and called Bank of America to discuss it. I was told that since we were now XXXX days past due they were initiating foreclosure on our home and the only option for us was modification at this point. No one would discuss the payment, they would only let us talk to our account representative, XXXX. XXXX, by the way, has been completely professional and empathetic through this process, but there was nothing she could to to resolve our foreclosure issue. Again, we 're in the process of selling the property but since it 's technically in foreclosure, I 'm afraid that pulling a payoff or even discussing the final payoff amount is going to be troublesome.
Consumer complaint received 2015-06-24
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I 'm in dispute with Capital One Auto Finance with my XXXX 2015 payment as being reported 30 days late to the credit reporting agencies. My car payments are due on the XXXX of every month. However, my XXXX payment is being reported as being received by Captal One on the XXXX of XXXX and they reported it as being over 30 days late. They 're telling me they have reviewed the details of my account and have determined that the subject information is being reported accurately. I agree my payment was 26 days late but does that contitute it being reported as 30 days past due?
Consumer complaint received 2021-10-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (GA)

I AM REQUESTING ALL DOCUMENTATION FROM HOMEWARD MORTGAGE. THIS IS A FRAUD LOAN. THIS PERTAIN TO XXXX XXXX XXXX XXXX, XXXX, GA XXXX, APPARENTLY THIS HOWARD AND AMERICAN HOME SERVICING ARE THE SAME COMPANY,
Consumer complaint received 2016-03-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ACS Education Services (PA)

I have a student loan owed to ACS ( XXXX XXXX and XXXX ) - around {$2800.00}. I am a XXXX XXXX XXXX at the moment. I have sent School Verification Letter to ASC, however it has been updated to ACS system. I am able to pay back this student loan from XXXX, 2017 when I finish my XXXX ( XXXX ).
Consumer complaint received 2015-08-09
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LAND HOME FINANCIAL SERVICES (FL)

Our problems began with our mortgage company from day one with the deed .My wife 's name has never been on the deed but the company kept saying it was and that they would send us proof. Proof never arrived and we had to pay a lawyer XXXX dollars just to verify that we were correct. 
Next our payment for XXXX of this year was sent out in XXXX but got lost in mail during the massive flooding in Texas ( The payments have always been tracked through priority mail, just as this XXXX was and proof can be furbished ) .To correct the lost payment we sent BOTH XXXX and XXXX payments in XXXX check together with copies of the tracking info and stated that we cancelled the check that got lost in the mail during the weather issues in Texas . When the payment was processed their processing department misprocessed the payment and only payed the XXXX portion and put the XXXX potion toward our escrow. They also made a payment amount error there because our XXXX payment was lower than the increased payment that started in XXXX. We fought with them for days before we finally got someone to actually look at our payments and admit they made the error, they then told us it was our problem to fix. How in the XXXX am I suppose to go to their processing department and fix their mistake? We sent our payment this is not OUR problem to fix, IT IS THEIRS TO FIX. 
Furthermore in the middle of XXXX our XXXX payment, Which we told them in writing was cancelled, arrived. They proceeded to try and cash the check they were informed was cancelled and then have since tried to send our account to collections. They have also charged us unwarranted late fees due to both the error they made processing our XX/XX/XXXX/XX/XX/XXXX payment as well as charged us a late payment for the check that we proved got lost due to weather in XXXX. 
We have all our records and provide proof that our payments are all up to date, including the extra XXXX a month we pay to get our escrow sorted out. We are not sure what you will actually need from us but we will be able to provide any statements and proof of payments needed.
Consumer complaint received 2016-03-29
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: SQUARETWO FINANCIAL CORPORATION ()

I DO NOT KNOW?, I live in XXXX, and after signing up on karma, XXXX to 8 months later these XXXX ( XXXX ) remarks shows up on my credit history. 
I written to both companies over two ( 2 ) weeks ago and no response, using your cfpb letters. 
I want these wrongful remarks off my credit history.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (NJ)

There is a fraudulent account reported on my credit file. Account Name : JPMCB Card Account Number : XXXX Account open date : Someone has opened an fraudulently authorized an account on my name using my Identity for this account for which I am not responsible. Please remove this account from my credit file. I challange the company to provide me the proof for opening of this account by me. I am the authorised user for this account.
Consumer complaint received 2022-09-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY (CA)

I sent by mistake {$4000.00} from the XXXX XXXX bank to a TDBank closed account The money went to TDBank and was not returned yet to my XXXX XXXX account. 

XXXX XXXX tells me that they can not ask for the money back and TDBank tell me that they can not find anything. 

What XXXX i do?
Consumer complaint received 2021-09-01
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: GOLDMAN SACHS BANK USA (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft DEPT OF ED Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft GS BANK USA Account Number : XXXX This is not mine.
Consumer complaint received 2019-02-26
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: SUNTRUST BANKS, INC. (FL)

On XX/XX/XXXX, I received a postcard saying I recently closed on a mortgage with Suntrust Bk. There was a mortgage number id that didn't match my mortgage number, which was paid off in XX/XX/XXXX, and there was no return address or identification of a company. I am attaching a copy of the post card with this complaint. 

Thank you, XXXX
Consumer complaint received 2016-03-23
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: IMPAC MORTGAGE HOLDINGS, INC. (NY)

XXXX XXXX XXXX and IMPAC/XXXX XXXX are charging my husband and I 5 % interest for our monthly mortgage. I understand that this rate is too high. I spoke with another mortgage company that I plan to refinance with and they stated that I should file a complaint against these XXXX companies since they are charging such an enormous interest rate. 

In addition, I was advised that this interest rate is even discriminatory because my husband and I are XXXX XXXX and are making a fairly decent income.
Consumer complaint received 2015-04-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Source Receivables Management LLC (FL)

I do not know if the company is a fake or not. I request that they provide me with information of the amount I owe in writing and they refused to send me that information. They state that they sent me a letter 10 months ago. I explained that I did not get such a letter and ask them to provide me with that information. A manager named XXXX refused to sent me that information. Moreover I explained that they continue to call me on my cell phone and have requested that they reframe from doing this practice and contact me via mail.
Consumer complaint received 2019-02-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (GA)

I recently received a copy of my credit report and I noticed that this company is reporting negative information against my SSN. I have never done business with this company. They have never provided me with any goods or services. I have no contractual obligations to this company yet they have reported to the CRA 's that I indeed do. I am requesting validation. Please send me a signed contract between me and your company. One that I signed and one you  signed. Copies of a copy is not legit. I would like to see the contract with my wet ink signature, detailed statements from the last 6 months, and how this alleged debt was calculated.
Consumer complaint received 2015-08-29
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: COMMERCE BANK (MO)

About two years ago I received a letter from commerce bank saying that I would get a refund from them due to a class action lawsuit that was filed against them. Commerce bank had abusive overdraft practices where they would post the largest transactions to the smallest in order to create a greater number of overdraft fees. I was under the assumption when I received the letter that I would be receiving a check from the class action lawsuit. I have not received any compensation for this. I even sent commerce bank an email requesting information on when I would be able to expect to receive compensation from these unfair and abusive acts by commerce bank. I received a reply from them and they only said to be patient and eventually I would receive compensation. That has been several months now and still have heard nothing about it. I just want to be able to get what is owed to me, and to be able to have someone from commerce bank actually talk to me, rather than just send me an email instructing me to wait patiently with XXXX follow up. I want an explanation to whether I am supposed to get compensation and why I have not received it already.
Consumer complaint received 2015-05-15
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: MarkOne Holdings, LLC (OH)

My mother was returning calls and taking messages for me letting people who were contacting me know that I have been XXXX A call came through to my phone ( that I now believe was a cell phone, not business ) from a lady named XXXX and my mother immediately called the number back and spoke w/ her. She proceeded to tell my mother where she was calling from, what she was calling about, the status of my account, how many days past due I was ( which was 33 at the time and was said to be almost 60 ), and that I was in jeopardy of being sent to recovery. She then proceeded to get bank account information from her. There is no one authorized on my account but me and not only did this embarass me but caused an verbal altercation between me and my mother.
Consumer complaint received 2016-12-24
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: GOLD KEY CREDIT, INC. (NJ)

I have been making payments for 6 months to the original creditor but I was harrassed constantly on the phone by his collection agency, and this collection agency is attempting to bully me into paying them by illegally reporting a collection debt on my credit report.
Consumer complaint received 2022-09-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: U.S. BANCORP (NV)

I received a card mailer from U. S. Bank around XXXX XXXX XXXX, that to call and verify if I opened this checking acct. or not. I called XXXX on card and gave my name and reason for call, got treated like nothing, and was put on-hold without any further comment from person at that #.. I called listed fraud # XXXX, and was asked to give social sec. #, I didn't give it, and person at # didn't even ask for fraudulent acct. # ; immed. xfr 'd me to automated line to enter an extension #. And this is " theri '' fraud dept.?!
Consumer complaint received 2023-04-14
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In the month of XXXX i contacted XXXX to place a freeze on my account. As i pulled my credit report i see information that violates my Privacy as a consumer. I proceeded to dispute this information with XXXX, sent letters, and requested the paperwork from the investigation. I have not received the paper work from XXXX but yet they say this information is accurate. I disputed this same information with the main credit bureaus like Experian on XXXX XXXX and on XX/XX/XXXX it came back this information was verified. i asked for them to provide me with the paper work with my signature giving them permission to use this information. I have not received that paper work. on XX/XX/XXXX i went the United State Bankruptcy court and asked for a letter stating if they report this information to the credit bureaus. The letter stated from thee clerk " they don't provide for this information to the bureaus in fact they get this information from XXXX  '' which fishing for negative information is a violation of my rights as an consumer. On XXXX i reopened the dispute.