davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-06
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: AMERICAN EXPRESS COMPANY (KS)

XXXX, XXXX is a corporation. It is an incorporated entity designed to limit the liability of its owners ( called shareholders ). As one of the owners, I am not personally liable for the debts of the corporation. 

XXXX, XXXX was issued a XXXX XXXX XXXX credit card by American Express with account number XXXX XXXX XXXX. American Express National Bank did not make me aware that I would be personally liable for XXXX, XXXX business credit cards debt of {$37000.00} on XX/XX/XXXX at time of its online application website. 

Now, I am XXXX-years old, and have not able to work since my stage XXXX XXXX  XXXX XXXXXXXX in XX/XX/XXXX. 

I was XXXX from XX/XX/XXXX through XX/XX/XXXX, went through XXXX to remove the XXXX. Thereafter, went through XXXX of XXXX cycles, each started with 4-hours XXXX at XXXX center and continued 48-hours XXXX at home from XXXX, XXXX through XXXX, XXXX. 

I had another XXXX  and XXXX on XX/XX/XXXX. Dr. instructed me not doing laundry and hire housekeeper doing house cleaning for next 21-days. 

I have, XXXX XXXX, post-XXXX symptom of XXXX XXXX. I also get tired easily in need of lying down from time to time because of XXXX XXXX. In addition to my XXXX on my knees and on my hands. 

On or about XX/XX/XXXX, American Express retained XXXX XXXX XXXX, XXXX. contacted me to collect the business credit card debt. I called its attorney XXXX XXXX XXXX. It said American Express did not inform it that the debt was a business credit card debt, and it did not contact me anymore. 

I contacted American Express, it said it will report the debt as disputed debt to credit bureaus as my personal credit account. 

On or about XXXX XXXX, XXXX, American express retained XXXX XXXX , XXXX to collect the business credit debt. 

A staff of XXXX XXXX XXXX XXXX called my daughters personal phone number, called my ex-son-in-laws personal phone number to collect the business credit debt. In addition to multiple phone calls to my personal phone number.
Consumer complaint received 2024-05-05
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (NE)

I have advised Capital One multiple times that my 2 cards were transferred to XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, CA XXXX ), effective XX/XX/year>. In spite of multiple notifications, Capital One continues to call and email me instead of working with XXXX. Now Capital One is threatening me via email and phone calls for write off and legal action instead of working with and cooperating with XXXX. Please direct Capital One to cease contacting me and work with XXXX as directed effective XX/XX/year>.
Consumer complaint received 2022-11-11
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. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2019-09-27
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. (FL)

THE ACCOUNTS DISPUTED DOES NOT BELONG TO ME, THESE ACCOUNTS HAVE CAUSED TREMENDOUS DAMAGE TO MY FILE AND NAME. I HAD NO KNOWLEDGE OF THESE ACCOUNTS UNTIL I RECENTLY PULLED MY CREDIT. PLEASE CONSULT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE DEROGATORY REMOVED.
Consumer complaint received 2018-02-10
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

My brother and I both have XXXX Capital One Credit Cards. I  want to report and wish to request that the proper government bureau investigate their practices on charging interest particularly when there is ongoing Same As Cash deferred interest programs on the account. On both credit cards, we have purchases that have 0 % financing for 6 or 12 months ( deferred interest ). XXXX/Capital One calls this " Same As Cash ''. We have XXXX XXXX and XXXX cards that we also utilize the special financing on. However, only on the XXXX cards do we get charged random interest. I have attached the last two months statements for you to review. I'm complaining that they use an unethical, illogical method that unnecessarily charges the consumer interest at 25.99 %. They apply the payment amount in excess of the minimum payment to the Same As Cash Credit Plan with deferred interest that is ending within 2 months of the actual expiration date rather than paying off the Regular Purchase amount. This defeats the purpose of buying something with special financing. If they are applying my payment to the special finance balance 2 months earlier then it is technically not zero interest for 6 or 12 months. Their method is not industry standards and they fail to mention anywhere on the statement the minimum amount the consumer has to pay to avoid any interest. They did credit the interest to us in both instances but they made it like they did it as a one time courtesy. I am paying off the balance in the next two months and cancelling both cards. I would kindly ask you investigate this to see if what they are doing is legal and ethical because I'm sure many other consumers are being affected like me.
Consumer complaint received 2022-04-30
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. (TX)

You are reporting inaccurate and incomplete credit information. The credit report you provided shows a history of payment or payments being made late that are not proven and are incorrect. I demand that you -- as REQUIRED BY MY STATES LAWS and also by the FEDERAL LAWS that govern your behavior while dealing with consumer reports to include your RECEIPT and or your REPORTING of them, to fully document in testimony to every single one even each any and or all of the facts related to this allegation withstanding none.
Consumer complaint received 2019-09-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WYNDHAM CAPITAL MORTGAGE, INC. (NC)

I refinanced my mortgage with Wyndham Capital. My  mortgage was with XXXX prior to the refinance. On XX/XX/XXXX XXXX sent a payoff statement to Wyndham. However, the payoff statement was inaccurate because I had  cancelled my XX/XX/XXXX payment but XXXX included the payment in it's calculation for the payoff statement generated on XX/XX/XXXX. On XX/XX/XXXX XXXX realized that I cancelled the payment so they generated a new payoff statement which they claim was sent to Wyndham on XX/XX/XXXX. However, Wyndham never received this payoff statement and XXXX has no record that they actually sent the statement. So on XX/XX/XXXX a wire was sent to XXXX to payoff the mortgage. The amount sent was based on the XX/XX/XXXX payoff statement because no one knew about the statement generated on XX/XX/XXXX. At that time XXXX contacted XXXX XXXX company to let them no the payoff was short. Silk then contacted Wyndham on XX/XX/XXXX to let them know. I was never notified of this issue. On XX/XX/XXXX by my own efforts I discovered there was an issue with the payoff. However, for 6 days I had two loans one my property both of which were accruing interest. This could have been solved in multiple of ways. Most notably I could have been contacted by Wyndham on XX/XX/XXXX so that they payoff could have been corrected and I wouldn't have incurred extra fees and interest. Additionally, XXXX should have honored the first payoff statement because they have no proof they sent it. Wyndham said they would honor the XX/XX/XXXX statement if XXXX could prove they sent the fax.
Consumer complaint received 2024-05-23
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company (TX)

We unfortunately got behind on our mortgage payments due to job related issues and had agreed to a repayment plan. We were told that we could repay the loan but were not told we had to pay an upfront sum of money which we did not have. In the meantime we were making scheduled payments. Freedom mortgage then demanded we pay the amount owed. By this time, we had come into some money and were able to catch all our payments up. The repayment amount still shows up on our account and the balance owed never shows that we are current on our payments even though we are. Freedom Mortgage even lost our payment one month and we had to send them our bank statement so they could see they received the payments, and the payments were never returned to us. There are also charges of over {$4000.00} that we have no idea why they are on our account.
Consumer complaint received 2021-02-11
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: I.C. System, Inc. (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with XXXX XXXX accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
Consumer complaint received 2020-01-25
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. (VA)

On XX/XX/XXXX, someone attempted to open an account in my name. Fortunately, the individual was unsuccessful yet an inquiry for this attempted account opening remains on my credit report from Equifax. Immediately upon learning of the fraudulent attempt, I contacted the creditor who stated they would make a note about the fraud. Additionally, I worked with a representative at XXXX to resolve the issue ( I have XXXX   protection because of two personal information breaches involving my information ). A request was submitted by XXXX   on my behalf to remove the inquiry. In late XX/XX/XXXX, I filed an Identity Theft Report through the FTC, filed a police report with local law enforcement, and provided a copy of the letter I received from the creditor regarding the attempt to open an account to XXXX  along with a limited Power of Attorney to complete the inquiry removal request on my behalf. These documents were provided to Equifax, requesting the removal of the fraudulent inquiry. Equifax has denied the request. Multiple requests were made in writing and by calling Equifax directly. During a call to Equifax on XX/XX/XXXX, I was told, " Inquiries are factual and Equifax does not remove factual information. '' I explained a police report and FTC report was filed, and then was told they could assist with removing the inquiry. A few weeks after the call, I received an updated credit report that removed a closed account in good standing while the fraudulent inquiry remained on the report. I contacted my representative at XXXX who said, " sometimes it can take up to 90 days for the request to be processed. '' I called Equifax again on XX/XX/XXXX. During my first attempt I was disconnected while on hold for 30 minutes to process my request. When I called back, I learned my request had not been processed. During the second call I received a confirmation number pertaining to my request to remove the fraudulent inquiry. As of XX/XX/XXXX, the fraudulent inquiry continues to reported by Equifax.
Consumer complaint received 2018-02-10
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. (WA)

Experian has not updated my report as requested. XXXX XXXX XXXX is still reporting me as high balance and owing money, when I paid this account in full, was never late. They are continuously breaking Federal Law. This needs to stop. This is affecting me and my family. I can not get any credit or do anything to since my report is being high jacked by these tyrants. Please do the right thing and make these guys get it right. At this point and time I will be seeking legal counsel. For I have tried to resolve this 4 times now and have no results what so ever.
Consumer complaint received 2020-01-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (PA)

Per prior CFPB complaint, company has NOT rectified the situation nor have they reached out to me as was stated by call center supervisor. 

I STILL can NOT access my account on my XXXX, XXXX XXXX, XXXX laptop or XXXX. 

I was able to access on a XXXX  computer at work three times. 

I do NOT have access to XXXX  at home. 

Please contact me about how you are resolving your IT issue re XXXX products. 

I am currently on hold for 48 minutes waiting on the call center to answer. UNACCEPTABLE. 

I remain UNABLE to acces my info or make payments per the website.
Consumer complaint received 2021-02-06
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)

SOMETIME IN XXXX OF 2016 AN PERSONAL LOAN WAS TAKEN OUT IN MY NAME FOR {$8100.00}. DOLLARS BY XXXX XXXX XXXX. I HAVE TRIED CONTACTING THEM DIRECTLY WITH NO REPONSE FROM THEM.
Consumer complaint received 2022-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: First Technology Federal Credit Union (WA)

I signed up for a campaign with first tech bank which requires me to deposit {$3500.00} per month to qualify for a {$500.00} bonus. While under the small fine print, it says I have to deposit {$3500.00} more than trailing 365 days average deposit, the entire website/app doesn't provide me a way to look up my average deposit amount. While I did deposit {$3500.00} per month for required months, I was later denied of my bonus as they told me that I was not qualified as I was ~ {$50.00} short due to having non-zero trailing 365 days average deposit.
Consumer complaint received 2021-06-09
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: EQUIFAX, INC. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXXdays gives a reason to immediately remove those items from my credit report it has been over XXXX days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-06-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted this complaint to update this suspicious information. 3 Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXX XXXX : XXXX
Consumer complaint received 2022-08-17
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)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX Balance XXXX XXXX
Consumer complaint received 2023-02-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

I could not get a loan with Citizens to buy a phone at XXXX and the logical thing is that Citizens sent me checkbooks and they could not open an account of a minimum amount compared to what I could use with checks.
Consumer complaint received 2021-06-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Global Lending Services LLC (NC)

XX/XX/XXXX I purchased a vehicle that was financed through Global Lending Services. I paid every payment on time, never missed a payment. I intended to refinance the loan for a better interest rate after six months. However, I never got that opportunity. On XX/XX/XXXX, I was in a car accident that was no fault of my own. Despite how horrific it was, I managed to reach out to insurance the next day, as well as Global Lending Services so that they could reach out to the gap insurance carrier. During that same call, I was advised to make the car payment for XXXX if I wanted gap coverage to be applied. So, I made the payment on a car that had been deemed a total loss. In XX/XX/XXXX, the insurance carrier sent a check. Global Lending Services failed to inform me that there were still fees and interest being applied to the account. They had assured me that with insurance and gap coverage, I would would no longer have a debt to them. Prior to the total loss, ALL payments had been made on time, and there was no outstanding balance. Under Section 623 ( a ) of the Fair Credit Reporting Act, it is prohibited for a creditor to furnish inaccurate information to a credit reporting agency. Because I was told that I had no more obligations, any late payments after XX/XX/XXXX should not have been reported. Additionally, Global Lending Services reached out to the gap insurer. That presented a conflict of interest, as the gap insurance check took four months to be sent to Global Lending Services. They received it in XXXX, XXXX and according to them, the loan was still accruing interest. Global Lending Services also violated the FCRA by reporting an inaccurate statement of the balance due. They also failed to notify me when they supplied the credit reporting agencies of negative information. Global Lending Services also violated 15 u.s.c. 1692d ( 5 ) and 15 u.s.c. 1692d ( d ) of the Fair Debt Collection Practices Act by causing my telephone to ring. The Unfair practices clause in the FDCA was also violated by Global Lending Services. 15 u.s.c 1692f ( 1 ) clearly states that ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. The company intimidated me by reporting information that damaged my credit worthiness reputation. The company also intimidated me into paying money XX/XX/XXXX. I am seeking resolutions to these violations.
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (SC)

I had a loan modification due to XXXX. I was told to start making my payments on XX/XX/XXXX which I did. However the modification didn't close until XXXX. The did not apply my payments correctly because of the delay with the modification. They keep reporting me behind on my mortgage when I am not. I have been told twice this was corrected but once again it was reported on XX/XX/XXXX to XXXX that I am behind XXXX dollars. I am i the process of a HELOC and they have damaged credit and caused the loan to be denied. 
please see emails from XXXX attached Thank you, XXXX XXXX XXXX
Consumer complaint received 2018-02-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Healthcare Collections-I, LLC (AZ)

I do not recall giving permission to Healthcare Collections or XXXX XXXX XXXX XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 

Attached please find a copy of the response from Healthcare Collections Inc., included in the response is the letter I sent to the company and initials indicating they recieved it. I have blacked out any personal information contained on the bills and am attaching them to this complaint for the only purpose to show the HIPAA violations. I have not recieved nor have I ever signed paper releasing my medical information.

Also I was covered under the Arizona Medicaid program XXXX health care at the time of this hospital bill. The insurance information was provided to the company at the time of service. I was not notified that this account was in arrears or that it would be sent to collections. The bottom line is that XXXX should have been billed for this service, and companies are not allowed to balance bill a patient with Medicaid.