davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (FL)

I this am just called once again American Express to try and negotiate the APR rate on my account. I did indeed call again on Friday evening ( XX/XX/XXXX, late ) to try and negotiate the APR rate. To my frustration I have gotten no result at all. On Friday evening XX/XX/XXXX was the first evening I had spent at my address since the Hurricane of Irma. Having no experience with hurricanes the stress of same is the same as trying to negotiate an APR rate with American Express. I have been with Amex for so many years and I have always paid my bills on time until a few years ago, when I was laid off from my job. I did somewhat land on my feet if you will, and the balance is higher than I would like it to be and if I could afford to send them more, I would and they know that too, but I can not. XXXX is a killer and the XXXX of a hurricane and then this complaint are enough to kill anyone and I WOULD LIKE TO HAVE MORE OF WHAT I PRESENTLY SEND TO AMEX A CREDIT TO MY NAME AN OPPOSED TO THEIRS.
Consumer complaint received 2021-02-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC (MI)

The filing against me was placed on my XXXX  account. The collector is Assetcare LLC, the original creditor was XXXX XXXX. The Date shows XX/XX/XXXX. This is impossible. I did not live or have even visited Florida since early XXXX. I tried to dispute the charge though XXXX and they are doing nothing about it. This is either a very old debt that should not be on my report, or it is fraudulent activity ( Identity Theft ). Please review since the charge in place is impossible. I do have people that can attest that I have not been in Florida for years.
Consumer complaint received 2021-04-30
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. (TX)

I HAVE SENT NUMEROUS DISPUTE LETTERS TO XXXX EXPERIAN, AND XXXX TO DISPUTE THE NEGATIVE ITEMS ON MY CREDIT FILE. STILL TIL THIS DAY I HAVE NOT RECEIVED ONE INVESTIGATION RESPONSE, LETTER, AND OR ANY REPORTS OF THEIR FINDINGS. I DON'T THINK THAT IS TO MUCH TO ASK FOR A UPDATE BUT THEY HAVE REFUSED TO SEND ME ANY DOCUMENTATION REGARDING MY DISPUTE LETTERS.
Consumer complaint received 2018-09-28
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: S & S Recovery, Inc. (MO)

They called again today XX/XX/2018. Twice. After they called more than 3 times yesterday. Lied saying they were not a collection agency, But when I called the number back the automated greeting was XXXX XXXX XXXX XXXX.  They were rude and harassing. and I intend to look more into the legal laws about the calls. 1 man I spoke to even suggested they had gotten people fired for their the way they were talked to, and processed to threaten about finding the owners and contacting them.
Consumer complaint received 2020-12-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: NAVY FEDERAL CREDIT UNION (TX)

I have banked with Navy Federal since XXXX. I still bank with them actually today in XXXX. I recently applied for two refinancing car loans. I received a email and text confirmation that navy Federal approved one of the car loan. The following day they called me from the charge off department stating that I had a charge off so they couldn't approve the car loan. I asked them when and how much was the charge off. They stated that it was from XXXX and the amount was {$1200.00} or something rather. I told them that I've never been notified about this account and that my information has always been up to date. They stated that they sent out a notification XX/XX/XXXX and that was the last time they sent something. So from XX/XX/XXXX until XX/XX/XXXX I was never notified by anyone from the financial institution that there was ever a charge off on my account. I was still getting bank statements for this " charge off '' account in XXXX with a positive balance. They stated they dont keep anything past 7 years. They stated if I set up automatic payments then they will lift the charge off so the loan can go through. I did so. They transfered me to the loan department and they said they can't do anything about it that it was the charge off department. So now I've been on the phone for 4 hours getting transferred from the loan department and the charge off department. And no one is on the same page as the other. I spoke with 4 employees and 3 supervisors and no one was of any help. Here is the kicker. From XXXX to now I have financed and refinanced 5 cars, 2 personal loans, and 2 credit cards. Which were all approved! Not to mention they approved my loan to the other car the day before! They told me that the charge has always been there and no one should have approved any of my loans. I nor my spouse was told anything when we applied. We still have 4 car loans, 2 personal loans, 2 credit cards, 3 saving accounts, and 2 checking accounts from navy Federal. If navy Federal can not tell me where and when this charge off happen besides how it just miraculously popped up, im not going to shell out {$1200.00} for an error that navy Federal fail to do. It is not on my credit report and they stated it is not going to be because it was not a loan but I have had a charge off checking account with another bank years and years ago ( XXXX ) and that was on my credit report. Navy Federal employees and supervisors can not give me a direct answer besides I need to pay it.
Consumer complaint received 2018-09-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Northstar Location Services, LLC (AZ)

On XX/XX/2018 at XXXX we received a call ( XXXX ) with a message for an XXXX XXXX XXXX to contact Northstar Location ( XXXX ). I called the number and spoke to an operator ( XXXX XXXX ). I stated to him that we have received this call multiple times and are trying to get the calls to stop. I explained that the message from the call gives the option to connect to the operator but when the option is pressed the call hangs up. He stated that he will " investigate '' this matter
Consumer complaint received 2023-03-22
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: Experian Information Solutions Inc. (IL)

hello I XXXX XXXX is not a third party is depressed because XXXX and Experian did not fix an error on my credit report and its causing not to get hired and its causing financial crisis in my household I can not get hired because my credit score has dropped because I am a victim of identity theft I have sent XXXX and Experian my ftc report over 67over and over I have called over the phone with them as well and they claim they didn't receive it which is a lie because I overnighted it and required a signature and they rep singed off on it acknowledging they received I am not receiving any help from them over the phone this has caused me server XXXX because this is causing damaging to the character of my name please please help me I've been thinking XXXX XXXX because of these issue with XXXX and Experian because they are not helping me they even hung up on me and refused to transfer me to a supervisor I am sad and depressed because they claim they are here to help am I have still not have help in removing these fraudulent items I can't even take care of my XXXX kids I am now homeleness because of the damages you guys have caused to my name and household. please help m, e pleasseeeeeeee its been over 198 days still no response from them.
Consumer complaint received 2017-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (NY)

Regarding : Citi XXXX XXXX Bonus Bonus Details : XXXX XXXX Points after spending {$7500.00} within three months Problem Description : Card was received with a statement which reads : " Our records show that you are not eligible for the bonus based on a recent opening or closure of your Citi card ( s ). '' Upon calling Citi ( XXXX/XXXX/XXXX XXXX XXXX Duration : XXXX ) today to understand the issue, I was told that I likely had a card within the last 24 months which invalidated the offer. I informed the representative that I have never before had a XXXX card. He further checked and said that I had a different XXXX card which was closed in XXXX. The card which I had closed was different to the Prestige card but I was told that I was likely not allowed the bonus because it was within 24 months and within the same " family '' of cards. I then asked where on the application that information was as I have a print out of the application which I completed online and see no text describing that. The person assisting me spend quite a bit of time trying to find the text which stated that and then eventually had to put me on hold to further investigate. Eventually he was able to come back with text which another individual found on an application which stated the original reason described. The text apparently greatly differed from the offer which I read to the representative which made no such statement. He informed me that the offer was not available to me because of this text. I again stated that it was not the offer with which I had applied but he stated there was nothing he could do about that. I also informed him that when I had called in originally to check on the application ( XXXX/XXXX/XXXX XXXX XXXX Duration : XXXX ) the representative made a point of confirming with me that I would need to spend the {$7500.00} within the first three months to be eligible for the bonus of XXXX XXXX points. He apologized for me receiving bad information but stated that he could do nothing about that. 
Issue : The application, which I printed, makes no mention of the exclusion which the representative from the XXXX call quoted. The simple statement the second representative made that the first was wrong does in no way make what I was told incorrect or invalid. I was speaking to a representative of Citi in my first call and she clearly stated the details of my bonus offer. She even went so far as to put me on hold while she handled the application with, as she stated, an underwriter and never once made a statement that I would not be eligible for the offer.
Consumer complaint received 2023-04-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: USCB Corporation (PA)

USCB Corporation placed a collection on my credit report attempting to collect a debt for XXXX XXXX. On XX/XX/2023, I spoke with the agency and informed them debt was part of a XXXX  XXXX bancrupcy. I gave them my lawyers contact info and the agency said they woyld remove collection from my credit report. Agency has not removed collection and when i submitted a dispute with all 3 credit bureaus on XX/XX/2023, the agency informed that collection is valid. All 3 credit bureaus denied my dispute on XX/XX/2023 because the agency replied collection was valid.
Consumer complaint received 2021-07-02
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. (GA)

Experian is continually reporting inaccurate and dishonest account information for several accounts and the claiming to have verified the information. They have incorrectly reported address and accounts that are not mine and after I dispute according to the Fair Credit Reporting Act, they still say they the information has been verified but how? For instance a bankruptcy that was discharged in 2016 is reporting incorrect but they claim to have verified from the source. That is a lie the court does not verify any consumer information with the credit bureaus. They have been provided with that statement over a year ago to no avail. XXXX  removed this bankruptcy from my report a year ago with the same information sent to Experian and it still remains. They are reporting cars that arent mine saying verified and it is ruining my credit rating and ability to qualify for an affordable mortgage for me and my children. Im exhausted with going back and forth with Experian. One day they remove the inaccuracies the next week they put it back again NEVER provided the actual proof that it has been verified after over a dozen request to furnish that information by law. I want all the accounts Ive again disputed REMOVED and not put back without verification proof of ownership a copy of my signature contracts signed or other proof. They can not continue to ruin lives reporting inaccurate information. I have been a victim of identity theft Ive taken all the necessary precautions froze credit added fraud alerts for years as well as sent copies of bank statements and social security card as proof of identity to no avail. Also I cant access my free Experian monitoring account because they are charging {$15.00} just for me to review my credit. Im so disgusted with Experian charging you to access your credit when it should be free. So now I cant log in to see more inaccurate information unless I pay. SMH
Consumer complaint received 2018-09-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CO)

Ocwen Loan Servicing has been contacted several times to drop the Private Mortgage Insurance on a loan. The loan to value is far below the 78 % and the payments are made by electronic transfer. They sent one letter back that said they will send another letter stating that they will drop the PMI. This was two months ago and they are still charging PMI on the loan.
Consumer complaint received 2023-01-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (GA)

I deposited funds to my Coinbase account on XX/XX/XXXX and was promised that the funds would be available for exchange or withdrawal on XX/XX/XXXX. However, my account was later restricted due to suspicious activity and I was asked to provide ID verification. After doing so, Coinbase informed me that I had two accounts with them, one of which was my brother 's account with different first name and SSN however they verified and then lifted restrictions on my account. Despite this, my restrictions were lifted but my funds of {$12000.00} are still on hold. I have been informed that my account is under review and I have to wait until XX/XX/XXXX to access my funds. I have reported this issue through multiple case tickets, but have yet to receive a response. CASE ID : XXXX, XXXX, XXXX, XXXX.
Consumer complaint received 2020-07-14
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. (AR)

I have several items on my credit report that are not mine. I noticed it because i recently applied for a credit card and I wasnt approved so it prompt me to check my credit report. These items listed are not mine and need to be delete from my credit report.
Consumer complaint received 2018-09-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

on XX/XX/18 at XXXX XXXX I received another call from " XXXX XXXX XXXX XXXX ''. They call us every day and there's never anyone on the line when I answer. 

So this time I called their number, XXXX, and spoke with " XXXX. '' Told him we were on the do not call list. 

XXXX told me he was debt collection and XXXX didn't apply to him. 

I told him we do not have any outstanding debts. Told him he should correct the error. 

He told me I had to call another number to do that. 

I told him, no, he should correct the errors. That's not my job. And disconnected.
Consumer complaint received 2018-09-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (TN)

I have faxed several mortgage modifications with financials to my mortgage company Penney Mac. My income was reduced when I became XXXX, Penney Mac doesn't want to work with me to reduce my mortgage payment. 
My attorney has filed and injunction to stop them from foreclosing on my home. 
A foreclosure property sale is set for my property XX/XX/2018 and there is a restraining order in place to stop the property foreclosure sale. Penney Mac is discriminating against me and they refuse to respect consumer rights and federal guidelines
Consumer complaint received 2018-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FIRST ADVANTAGE CORPORATION (DE)

Consumer reporting agencies may not report outdated negative information.Some of the information on my background is over seven tears old.To be exact the information they reported is from XX/XX/XXXX, XX/XX/XXXX and XXXX of XXXX!
Consumer complaint received 2018-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

I have tried numerous times to place the FREEZE on my credit online and by phone with Experian. The response is " unable to honor your request '' and to send in documentation by mail. XXXX  and XXXX were able to process this request online and there should be no reason Experian can not do the same.
Consumer complaint received 2023-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TRUIST FINANCIAL CORPORATION (NC)

I paid my credit card and it went thru then the next day it didnt so I paid it again, on Monday, I had a negative balance because there was a duplicat transfer, when I filed a claim they said they would resolve it by making a reversal and send me the money back into my account and that didnt happen. So I called the fraud department and they filed it again causing them to reverse both payments which caused my credit card balance to go up to an amount which is not my max limit : my limit is XXXX and now its {$3000.00}, as if I never paid for my card and now its due soon and they still havent send me a check and I spoke with the bank and nothing is being done.
Consumer complaint received 2021-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc. (CA)

Experian continues to report me as an authorized user on a XXXX XXXX XXXX that isn't mine, nor did I authorize. XXXX  and XXXX have removed it. 

Account XXXX. XXXX
Consumer complaint received 2021-03-26
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: JPMORGAN CHASE & CO. (IN)

I'm from XXXX IN., me and my GF visited XXXX Tenn. while we were there we ate at a restaurant ( XXXX XXXX  ), there was a pay at the table kiosk where we paid for our meal but forgot to remove the card. I didn't realize until a couple of days later that I didn't have my card and that the kiosk was where we left it. The reason why I kinow it was left there that there was a charge that same evening at the XXXX XXXX we attended and the XXXX up the street. But the thieves also used the card in the surrounding area XXXX XXXX KY. I talked to the managers of the XXXX XXXX  and XXXX but was told a police report would help. I called my credit card company ( Chase ) and told them what happened and the representative said the fraudulent charges would be taken care of but when I received my statement the charges were there. I have told them that I file a police report, ect but now they are saying they are legitimate '' charges. There were charges to a liquor store ( I don't drink ) and one to a night club ( Ido n't attend them ). I called the XXXX police yesterday, and they talk like Chase has not contacted them. the incident happened XXXX and the amount of fraudulent purchases equal {$290.00}
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

Experian should not be reporting a collection/chargeoff in the amount of {$2100.00} on the XXXX XXXX XXXX  partial account number XXXX. ( Please see page attached, along with a copy of my Drivers License and Utility Bill for identification purposes. ) This account should be reporting a {$0.00} balance. The vehicle was involved in an accident and the insurance company deemed it a total loss. There is no outstanding balance due and therefore nothing to collect/chargeoff. 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 2019-03-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Real Time Group, Inc. (CA)

On XX/XX/2018, I sent a set of QWR Demands to Real Time Resolutions ( RTR ). RTR has not responded to my request by sending the documents to my home address. RTR claims they sent the documents to a separate party in Oregon. Since the accounting and ownership rights to the debt are in question, the documents requested within the QWR are relevant.

Once the loan in question was transferred to RTR, I filed written complaints, demanding explanations relevant to the holder of our mortgage note and Deed of Trust. RTR still has pending responses which specifically related to our questioning the affidavit of sale and or assignments of custodial servicing rights to RTR. RTR was also served with a qualified written request ( QWR ) under the RESPA, 12 U.S.C. 2605 ( e ) ( 1 ) ( B ).

Since RTR acts as both a loan servicer and debt collector under CA law, I am seeking your  assistance on this matter. You can reach me at XXXX or XXXX.