davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY (PA)

On XX/XX/XXXX I received a letter from American Express about a past due balance. We reached an agreement for me to pay 24 monthly payments of {$35.00}. My account would then be paid in full, my obligation fully met. I did so. For XXXX of those months I made the payment faithfully at the same time every month. 
This last check which was due in XX/XX/XXXX was written, mailed out and returned uncashed by American Express. 
It was sent back to me uncashed, from American Express, to tell me my account was no longer in that office. There was no other address to resend that check. 
Yesterday I received a letter from American Express that is from an office located in XXXX Texas that I now owe {$430.00} due XX/XX/XXXX. 
While I agree I still owe the uncashed amount of {$35.00} this is all I owe. 
I don't know whether to just send the check for {$35.00} or just wait to see what happens next. 
I have worked extremely hard to correct my credit. I do not want this to ruin it for me. 

Let me also state this is not the first time I had to deal with American Express like this. In XXXX I made a deal with them to settle my outstanding balance by making ( XXXX ) $ XXXX monthly payments. Let me state, this was my mother 's balance. American Express called me the day of her funeral. Not thinking right I agreed to open up a credit card to transfer the balance on to my name. I made the mistake and will accept it. 

I don't know what to do with this last payment I agree I owe but I refuse to pat an additional {$430.00}. 

I need your help and I really think you need to look into this company further. I can backup my payments showing American Express cashed my checks.
Consumer complaint received 2020-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

Citibank In XX/XX/2020, I received a wire into my Citibank account ( {$24000.00} ). Bank froze account with no explanation and froze funds was to send a letter explaining reasons. Letter never came and I requested letter 4 times. Wire was good and I am not able to get wired funds. Bank has been very uncooperative and resistant in resolving this issue. 

another {$20000.00} was deposited with same result.
Consumer complaint received 2022-11-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (PA)

I Have Called This Creditor, Spring Oaks Capital Who Said That The Are A Collection Agency For XXXX XXXX XXXX. I Have Told Them That I Have Been The Victim Of Identify Theft. When I Told Them That, They Are Now Telling Me That Someone Had Paid Over {$600.00} On The Bill In XXXX Of 2021. It Wasn't Myself. I Have Been In And Out Out Of The Hospital During This Time And Since.
Consumer complaint received 2022-05-01
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. (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.

15.6K
Consumer complaint received 2022-04-29
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. (NJ)

XXXX XXXX XXXX was not authorized to obtain my medical information. Under the Health Insurance Portability and Accountability Act ( HIPAA ) I am allowed to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXXXXXX XXXX XXXX XXXX for them to release my medical information to a third party.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-04-29
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX XXXX/ {$890.00} / XX/XX/2022
Consumer complaint received 2022-12-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (PA)

Took new mortgage with Loan Depot took almost 60 days to finalize secured loan first payment due on XX/XX/22 for {$2900.00} ( LOAN # XXXX ) to date all payments on timereceived latest monthly invoice which stated monthly payment is now {$3500.00} a nearly 20 % monthly payment increase of which I can not afford apparently the companys ESCROW DEPT miscalculated my ESCROW and is putting the onus on me for their mistake loan only a couple of months old and they arbitrarily raise it {$500.00} per month they need to use their errors and omission insurance TO COVER THIS LOAN DEPOT MISTAKE whether it be the ESCROW or TITLE DEPT of LOAN DEPOT. 

PLEASE CONTACT ME RIGHT AWAY SINCE MY new payment just became due. 

Thank you for your valuable time and effort in this time sensitive matter, A very upset XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX.
Consumer complaint received 2024-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/2024
Consumer complaint received 2022-04-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: GreenSky, LLC (TN)

In XXXXXXXX XXXX XXXX, I was approached by a contractor to have some home improvement completed at my home. I informed him that I was unable to pay for the project he was suggesting I needed. I was told I could finance the project using a loan from GreenSky. The merchant strongly suggested I get a loan using an app on his phone. He asked me a few questions and said that I was approved. I was not made aware of the terms of the loan by the merchent nor were they explained to me in detail by a representative from GreenSky. Although I was totally not satisfied with the work, I started making payments to GreenSky because I did not want to damage my credit. The payments are causing me financial hardship. GreenSky 's lending practices are predatory and something needs to be done.
Consumer complaint received 2020-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I lost my job at the beginning of XX/XX/2020 due to the COVID 19. I called my credit card company Capital One. I was advised that when I made my payment by the next due date they would waive the XX/XX/2020 late charge. I made my payment of {$85.00} on XX/XX/XXXX. I advised that I was still unemployed and that I was struggling with unemployment. The rep advised to please keep them updated. I'm still struggling in XXXX and still can't find a job and still fighting with unemployment. I tried calling 2 different times and waited on hold for over 2 hours with no one picking up and then was disconnected. Today XX/XX/2020 I went online to make my payment due XX/XX/2020 and there are 2 late charges the one from XX/XX/2020 still and now the XX/XX/2020 payment. I called and spoke to a female rep and she advised there is nothing she can do. My Mom called back and spoke to a gentleman and he has waived the XX/XX/2020 late charge. My Mom asked about the XX/XX/2020 payment as still a victim of the COVID 19 and I haven't found a job yet. Per the Capital One website they say if you are a victim of COVID 19 and facing financial hardship they are their for you. Well today they made is VERY clear that they are not and their reps can lie to customers and apparently that is okay. Not cool to take advatange of the situation and they should have to update the website and indicate - Sorry we can't do anything for you! Very upset that I was treated this way.
Consumer complaint received 2020-05-15
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)

SOMEONE USED MY MY PERSONAL INFORMATION TO OPEN THIS FRAUDULENT ACCOUNTS IN MY NAME THAT I WAS NOT AWARE OF OR APPROVE I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA 'S On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2022-12-07
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. (HI)

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX has violated my right. 
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 a account without my written instructions
Consumer complaint received 2020-01-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2020-05-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

Twice I tried sending information to equifax to remove fraud alert from credit report because I cant open a new account or anything ... I called again and still nothing and they act like they can't speak good english ... .they wanted a copy of my id, ssn, and utility bill I sent ... .here below I attached those 3 they need to remove fraud alert with a utility bill with my current address on it ... thanks In advance
Consumer complaint received 2022-10-11
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX I ( Original Creditor : 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 *** and ( Original XXXX : ) XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-11-29
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: SANTANDER HOLDINGS USA, INC. (FL)

On XX/XX/2022, I notice an unauthorized inquiry on my consumer report from ( SANTANDER CONSUMER USA ) company. I requested that they send me the written " Permissible Purposes '' document with my signature, with no response or explanation. I suffered injury to my consumer report and score. 15 USC 1681b " Permissible Purposes '' must be given by the consumer and no other.
Consumer complaint received 2022-05-01
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. (OH)

I Received my Dispute results Transunion states they Verified the items I was Disputing. How? Its in Black and White that it is inaccurate information. XXXX XXXX. XXXX  XXXX. XXXX is the Same Debt its Charged off and Closed. XXXX XXXX is Reporting the Same Debt in Collection XXXX. Transunion states its accurate. This is false information and a Violation against the FCRA
Consumer complaint received 2020-05-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CO)

This information is for the XXXX XXXX XXXX XXXX. As you can see the title from XXXX county court shows that there are 2 joint tenancys. XXXX XXXX XXXX, and XXXX XXXX XXXX.If the XXXX XXXX XXXX would read the information provided out of a Colorado Law Book there is no probate and they have done no favors due to the fact that XXXX & XXXX are the owners XXXX  is not a third party. Maybe the XXXX XXXX XXXX should talk to an intelligent attorney that understands the law. There can also be a Chapter XXXX Bankruptcy filed and asking for damages with the Judge since the people at Bayview are complete idiots. Read the Law and see that there is nothing that needs to be probated and since you have been held in Contempt in Bankruptcy before this should not be a problem. These People can not say yeah we made a mistake they would rather lose millions of dollars and I am just waiting for the XXXX XXXX XXXX to send another stupid letter. Looking forward to meeting her in Court.
Consumer complaint received 2019-10-07
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: SYNCHRONY FINANCIAL (IL)

The card ( Synchrony Bank ( DBA - CareCredit ) ) was charged for a XXXX  procedure ( XXXX XXXX XXXX XXXX ( DBA - XXXX XXXX ) ) about a week in advance of the planned procedure. 3 days before the procedure the appointment was canceled because the XXXX  provider admitted they had over charged me ( {$2400.00} but it should have been {$1100.00} ) on the estimate and said they would fix it but still charged the full, incorrect amount to the charge account. Contacted the charge company by phone and spoke to a woman about getting the charges removed since I had canceled the procedure and the charges were in the wrong amount anyway. She laughed and said I had to wait at least 7 days. After 2 weeks I contacted the charge company again through online chat requesting that the invalid charge for services I never received be removed. Was told it could take up to 45 Days and I would need to pay the interest on the charges even though the charge amount was wrong and the charges themselves at all were for services I never received. The charge company is failing to remove these now fraudulent charges and are trying to put the responsibility on me for recovering their funds.
Consumer complaint received 2022-11-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Receivables, Inc. (GA)

Collection receivable is collecting on an account that is under investigation. XXXX XXXX Collector from Collection receivable admitted that the alleged debt that is own file in my name is under dispute ( PULL CALL ) As of XX/XX/2022 I take it that Collection Receivables XXXX received notification from XXXX stating that this account # XXXX is under investigation. 

However, XXXX XXXX took it a upon herself to stalk one of my relatives information and called them by phone acting as if she knew him, asking him about me and where I work. ( PULL CALL ) XXXX then decided to call stalk my employment, I answered the phone and instead of her properly confirming this was XXXX, she just stated talking about, she has my account from XXXX XXXX and that I need to pay her! XXXX did not identify her name or where she was calling from XXXX violation!!! XXXX also falsely stated that she was calling from ( XXXX XXXX ) She never identified that she was calling from a collection agency and that the phone call was recorded. BIG VIOLATION! ( PULL THE CALL ) I told XXXX I was at work and that the alleged account she is stating that I owe is under investigation. XXXX aggressively said that she is aware the account is in dispute status BUT how do I want to take care of this debt? BIG VIOLATION ( PULL THIS CALL ) I called back to speak with XXXX, who rudely answered the phone ( ONCE AGAIN SHE DID NOT READ THE TALK OFF TO ME ) SHE just immediately said is this XXXX, and that she put the alleged debt they say I own in REFUSAL TO PAY STATUS!!! I NEVER told her that! I told her she was lying and asked to speak with a supervisor XXXX then hung up on me. 

I called right back to speak with a supervisor, I guess XXXX XXXX is a supervisor ( She proclaimed to be over everyone on the floor ) I didnt believe her at first and then I asked to speak with a manager. Instead of XXXX, properly and professionally giving the phone call to the OFFICE MANAGER XXXX XXXX ( According to XXXXXXXX XXXXXXXX XXXX XXXX  ) She kept saying that she is the next person in charge. SO, I reported XXXX XXXX to her and let her know what took place our conversation. 

During my conversation with XXXX XXXX, she got angry and started loud talking me in defense of XXXX XXXX!!! I then asked to speak with the owner XXXX XXXX ( According to XXXX XXXXXXXX XXXX XXXX ) XXXX refused to give me the name of the owner or how I could contact her, she kept saying its public information and that she will just tell the owner to call me ( Pull the Call )
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

n accordance with the Fair Credit Reporting act 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 There is incomplete and inaccurate information on my report.
Consumer complaint received 2022-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NEW YORK COMMUNITY BANCORP INC (CA)

XXXX switched banking partners from XXXX XXXX to New York Community Bank ( NYCB ). After this change was announced, I was forced to deposit my funds to NYCB because the external accounts transfer feature was not working. After creating my NYCB account through the XXXX portal on XX/XX/22, I initiated a small transfer of {$100.00} to an external account on the same day, XX/XX/22. After nearly 2 weeks, those funds have not been delivered and XXXX has provided no support in the matter. The customer facing agents say they escalated the case, buy my {$100.00} is still missing. I have already contacted my external bank and there is no indication of a deposit from XXXX. The funds were never received by the external bank and therefore not received by me. XXXX continually dismisses the issue and says it is not their problem, yet they do not have an escalations or fraud department for me to speak to directly. As it stands the entirety of my account with XXXX is inaccessible. With no support or ATM card available from XXXX my money is stuck in a limbo. I intend to close my account, but I can not trust them to successfully transfer my entire account if they can't even transfer {$100.00}. This is unacceptable. 

( Previously submitted XXXX but realized the bank should be listed as NYCB and not XXXX ).
Consumer complaint received 2022-10-11
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is reporting incorrect information on my reports I phoned in all my payments. when i made my call XX/XX/2020 i was prompted by the automated phone system for COVID RELIEF i would call every month to pay but they said i didn't have to pay and that the payment would just be deferred to a later date and this wouldn't affect my credit. When i found out they were report negatively i PAID OFF THIS ACCOUNT IN FULL. i had no idea they also CHARGE OFF my account in XX/XX/2020 and XXXX XXXX which they did NOT inform they were doing. i would not have let that happen. XXXX broke our agreement The XXXX XXXX. which was signed into law XX/XX/XXXX. XXXX this Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during XXXX XXXX crisis. 

I made an agreement with XXXX XXXX and XXXX for payment relief before i fell behind the XXXX XXXXt Requires that the creditor to report your account as Current and good standings.