davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-20
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: AMERICAN EXPRESS COMPANY (NJ)

I have been told by American Express representatives that the dispute is aged and therefore, closed. 

I had to investigate into American Express Chargeback polices myself. For Goods And Services Not Received ( Reason Code 4554 ). 

the date the Card Member expected to receive goods and/or services, or the date the Card Member became aware that the expected goods and/or services would not be provided ( not exceeding five hundred and forty ( 540 ) days from the date American Express Network processed the Transaction ). 


The policy is very clear that I have 120 days FROM THE DATE EXPECTED TO RECEIVE SERVICES, not just from the date of the Transaction. The Merchant has to respond. 

The matter concerned an airline ticket purchased XXXX XX/XX/XXXX, for the flight date XXXX XX/XX/XXXX. Therefore, it is very clear, I had at least 120 days from that date to submit a valid dispute. 


This was a history of mismanagement of my valid dispute by American Express : I have submitted a valid dispute on XXXX XX/XX/XXXX, which was closed within less than 24 hours for the reason that I have not submitted supporting documentation. Again, American Express did not even allow me 24 hours to gather and upload the documentation, and rushed to close the dispute. 

Ref. No. XXXX Dispute Received XX/XX/XXXX The following disputes were rejected, or attempted to be rejected, for invalid reasons ( aged transaction ) or pretence reasons ( customer closed dispute ) or incomprehensible reason that American Express cant locate a transaction so that I had to send back to American Express their own American Express credit card statement. 


Ref. No. XXXX Dispute Received XX/XX/XXXX Ref. No. XXXX Dispute Received XXXX XXXX, XXXX Ref. No. XXXX Dispute Received XXXX XXXX, XXXX I have now evidence of fact and came to a reasonable conclusions about American Express back office disputes : - mismanaged a valid dispute, continuously exercising avoidance and dodging tactics ; cancelled and closed valid dispute at will, on pretence and invalid reasons including, the cases citing the customer request to close the dispute, which was a false representation ( a lie ) because I have never given such request ( s ).
Consumer complaint received 2020-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In regards to my loan for the XXXX XXXX XXXX, I had not made any payments as reported as late. 

XX/XX/XXXX, I was in an accident and this vehicle was totaled. Due to the lengthy process of resolving the insurance and GAP claims to resolve the debt of the vehicle. 

A payment was deferred and was to move my vehicle due date out a point that would allow the debt to be taken care of. 

I was to not have another payment due until XX/XX/XXXX, at which point the GAP claim would have paid off any remaining balance. 

After all of the claims were resolved, there was a remaining balance of XXXX on the account. 

on XX/XX/XXXX insurance paid XXXX of the loan on XX/XX/XXXX GAP insurance paid an additional XXXX I spoke with a collection representative of the company on XX/XX/XXXX, and we created a payment arrangement that was to prevent any payments as being reported late. 

The arrangement was that on XX/XX/XXXX XXXX $ would be drafted, and then any remainder would be drafted XXXX ( the following week ) This payment arrangement was set as I had been financially impacted by COVID-19 at my place of work and had already begun losing hours. 

Both of these payments were made as arranged and this account should not have been reported as delinquent. 

I have also attached my account overview page showing the account is paid off, as it is still reporting as not paid in full as well. 

Thanks,
Consumer complaint received 2020-05-20
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. (GA)

I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. US DEPT ED XXXX {$2200.00} XXXX  XXXX {$2200.00} XXXX XXXX  XXXX {$8200.00}
Consumer complaint received 2020-05-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (IL)

This company RECEIVABLE PERFORMANCE which I hold NO CONTRACT with has attempted to collect a debt I DO NOT OWE! They have put this collection against my SSN in the amount of {$1300.00} I have asked for verification of this debts on THREE different occasions and they have failed every time to show proof of this said debt! This debt WAS DELETED from my report but REINSERTED on my credit report WITHOUT THE 5 DAY NOTICE! 
I AM REQUESTING THAT THIS ACCOUNT BE DELETED AND REMOVED INDEFINITELY FROM XXXX, XXXX, AND XXXX  IMMEDIATELY! 
IN ADDITION I WANT THIS BUSINESS TO HAVE NO CONTACT IN ANY FORM WITH ME REGARDING THESE ACCOUNTS. LASTLY I WANT MY PERSONAL INFORMATION REMOVED AND DELETED FROM THIS COMPANIES DATABASE, IMMEDIATELY
Consumer complaint received 2020-05-19
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: JPMORGAN CHASE & CO. (CA)

I HAVE AN INQUIRY ON MY CREDIT REPORT FROM CHASE BANK ON XX/XX/2019 FOR MORTGAGE. THIS IS AN ERROR OR FALSE REPORT ON MY CREDIT REPORT. THIS WAS NEVER AUTHORIZED OR REQUESTED BY ME. I HAVE CONTACTED CHASE BANK ON SEVERAL OCCASION TO HAVE THIS REMOVE FROM MY FILE AND THEIR HAVE FAILED TO FIX THE ERROR. THEY ALSO ADVISE THAT I SEND A LETTER T THEIR OFFICE AND FAX. 

CHASE CUSTOMER SERVICE INQUIRIES MAIL CODE : XXXX XXXX XXXX XXXX XXXX, LA XXXX FAX : XXXX i HAVE DONE EVERYTHING AND GOTTEN NO RESPONSE OR REPLY.
Consumer complaint received 2020-05-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (TX)

I revived my XXXX statement which advised the payment had increased to {$460.00}. I was also concerned about taxes so asked for the escrow to be re-reviewed because the massive increase did not make sense. They sent an updated escrow analysis, but no new statement or requesting an updated payment. I made my XXXX payment on time per the statement. 

I revived a letter that says it was sent on XX/XX/XXXX, but it was not received until XX/XX/XXXX via mail. The letter stated that my payment was deficient by {$190.00} and that they had not processed my payment. 

On XX/XX/20, I called to inquire about this which I was told well your payment increased because of an Escrow shortage which I advised I was confused about this because I was never requested to pay a different payment for XXXX nor did I receive a new statement which indicated a different payment for XXXX. I advised that this was unacceptable for them to request further funds when I made the payment as requested and that they never issued a new statement. Furthermore, I also received my tax appraisal on my home from the county which indicated a decrease in the value so that means my property taxes have actually gone down and not increased. The representative was stating that I just needed to pay the difference which did not make sense because there was no context or request that the payment for XXXX had increased since a new statement was never issued.
Consumer complaint received 2020-05-19
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: Experian Information Solutions Inc. (WA)

To Whom It May Concern : I sent a request for the method of verification to Experian via certified mail. I got back an updated credit report from with before and after the dispute process no method of verification for the account XXXX I requested In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. 

At this point the tradeline needs deleted. 

I can supply all supporting documents if needed.
Consumer complaint received 2020-05-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Army and Air Force Exchange Service (CA)

I never received a statement until recent months. I work with XXXX XXXX XXXX in XXXX at XXXX hit hard by COVID 19 and poverty. I did had no knowledge of a garnishment played on me because nobody ever cared to call or e-mail me. I asked why not call me instead of garnishment? We dont call millions of customers everyday. Millions of customers getting sent to the feds for garnishment? Excuse my sarcasm miss but this is bogus. So you reported me the same company late on one hand miss, and with the other you reported me and on time in the same month with the same company on another account? Why reestablish my account and put harm on me then. I figured I was moving forward during a pandemic. Finally was able to pay and bammmm here is your reward : 3 late marks and a collection account I did not see coming. Three consecutive late marks appeared : XXXX, XXXX and XXXX. Seems bogus since I just bought my dad an XXXX  XXXX using my star card. I may cancel my account anyhow and inform the exchange that I cant deal with this harm to me. It is destroying my credit at a time I need it the most.
Consumer complaint received 2020-05-20
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. (FL)

I AM THE VICTIM OF IDENTITY THEFT. I HAVE REPORTED IT TO THE FTC AND TO THE BUREAUS ; I HAVE SENT THE INFORMATION AT LEAST HALF A DOZEN TIMES TO THE CREDIT BUREAU BUT THEY KEEP REPORTING NEGAVTIVE INFORMATION DESPITE IT BEING ON MY LAW ENFORCEMENT RPEORT AND IGNORING THE FACT THAT I WAS AFFECTED BY THE XXXX  BREACH. PLEASE ASSIST ME IN CLEARING MY GOOD NAME AND MAKING THEM ABIDE BY THE LAW!!! 

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 2020-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST HORIZON BANK (TN)

My HELOC acct with First Horizon Bank, previously XXXX XXXX XXXX  was charged-off in error in XXXX 2019. I made regular monthly payments to my acct. at the agreed upon monthly amount. XXXX never furnished me with a pymt coupon book or periodic mthly statements. Also, XXXX never sent a notice of them going to do the charge-off, therefore, I was never given an opportunity to investigate and resolve this matter before the charge-off took place. I was treated unfairly and not only has this caused my credit score to drop but I can not get approved for a new mortgage loan to finish paying off XXXX, now FHB. I still am making my regular monthly pymts while adding to my check a statement explaining that I have not received a periodic loan statement to date. I am very stressed out and frustrated that XXXX will not look into the disputed matter more and help resolve it. I have sent proof of all my payments to them, as well as once receiving a letter back from them stating that 2 of my monthly payments were never applied to my loan. They claim one of them was my fault, where my wife accidently wrote the number on top to the check wrong and the other one, FHB claims they do not know where it went. Not getting any pymt coupons or at least a monthly statement was part of the problem with writing the wrong number on the check ( by memory ). Still the bank is supposed to make sure the name of the account holder matches up and I still have not received any credit or compensation for those payments. FHB continues to report a CO monthly to the credit agencies. The errors in not crediting my acct. those payments, I believe, caused a domino affect to where my acct. stayed over due even though I was making my payments every month, it appeared I wasn't in error. I feel the bank is in violation of the FCRA and this matter needs to be investigated and resolved as soon as possible.
Consumer complaint received 2020-05-20
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

I am writing to officially file a grievance against PennyMac. Because of the COVID-19 pandemic, my employment was impacted. I contacted PennyMac for assistance and was advised of a forbearance plan. My mortgage was due for the month of XXXX, however I was told that because of the forbearance planI did not need to make a payment. The representative suggested that the forbearance would block any negative credit reporting to each of the credit reporting agencies. Additionally, I received the attached letter from PennyMac confirming that while on the forbearance plan, my account would be reported as current. Please see attached letter. 

Upon receipt of my XXXX  credit report, I discovered that my account was reported 30 days delinquent for XXXX and XX/XX/2020. Please review attached. 

I contacted PennyMac on XX/XX/2020 and the representative reviewed the communication referenced above and she could not provide an answer as to why the account was reported delinquent. The representative suggested that she would send an internal complaint that would be reviewed by various internal individuals.
Consumer complaint received 2020-05-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (GA)

LVNV Funding placed a new account on my credit report. However, they never sent me any notification according to GA state Laws. I never knew this debt existed with this company. They never sent a notice explains the account in collection owned by them, any balances, etc. This is illegal. 

When I contacted the company on XX/XX/2020 they placed me on hold and never came back to the phone. As if they knew this was illegal. I disputed this account with the credit bureau on XX/XX/2020. 

I request that LVNV Funding remove this account from my credit immediately and cease and desist all collection activity after theyve intentionally violated the law with their illegal debt collection practices.
Consumer complaint received 2020-05-20
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. (MI)

I have contacted the Holder of my dept of education loans several times as well as the credit bureaus regarding XXXX Federal Perkins Loan Servicer inaccurate reporting of my account information. XXXX send paper billing with a balance of over {$7000.00} and a principle of {$5400.00}. Every month for over 2 years I send my payments in the amount paid has never been reported to the bureaus as a payment and reports as 0 % of my Ed loan paid off. This is affecting the accuracy of my credit report. I, in turn, requested that XXXX send me a breakdown of my account and demanded they reported accurate payment history as well as balances. Because of this, multiple late payments reported to my credit report. It is obvious that my request was ignored as I have not seen any changes to my credit report. This is an obvious and blatant disregard for the Fair credit reporting act as well as my right to a fair and accurate report.
Consumer complaint received 2020-05-20
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. (FL)

I AM THE VICTIM OF IDENTITY THEFT. I HAVE REPORTED IT TO THE FTC AND TO THE BUREAUS ; I HAVE SENT THE INFORMATION AT LEAST HALF A DOZEN TIMES TO THE CREDIT BUREAU BUT THEY KEEP REPORTING NEGAVTIVE INFORMATION DESPITE IT BEING ON MY LAW ENFORCEMENT RPEORT AND IGNORING THE FACT THAT I WAS AFFECTED BY THE XXXX  BREACH. PLEASE ASSIST ME IN CLEARING MHY GOOD NAME AND MAKING THEM ABIDE BY THE LAW!!! 

The following accounts were opened fraudulently in my name, as reported to the FTC the bureaus and the local police department 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 2020-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I receive a check from XXXX XXXX University for XXXX a stipend for school. I have always deposited my stipend checks into this account. I have never had a issue. I received a email stating that my deposit will be held 7 days due to the check may not cover withdrawals. This is offensive to me, I work hard and has made multiple deposits with Bank of America and has never falsified a check into my personal account or any account. I have a mortgage and a newborn to feed in order to keep a roof over our head. I will be closing out my account. This check was issued from Bank of America, so I dont understand why my check is being held 7 days. Per banking policy, Next Business Day Deposits Most banks say that they generally make funds available on the business day after you make a deposit, but there are exceptions. Cash deposits made to a bank employee must be made available within one business day ( business days are weekdays that are not holidays ), and those deposits are often available immediately. Certain types of checks must also be available in one business day:2 Official bank checks like cashiers checks Checks issued by the U.S. Treasury ( such as your tax refund or Social Security ) Checks for {$200.00} or less Checks drawn on the same bank that youre depositing to USPS money orders
Consumer complaint received 2020-05-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: RateGenius Loan Services Inc (MD)

I went on the Rate Genius website to inquire about refinancing a car loan on XX/XX/2020. I was requesting information on their rates and process. I entered my contact information which did not include my SSN. A couple of days later, I received an email that I had been approved for a loan. I never applied for a loan. I reached out to the company and was told that they had the right to pull my credit based on me reaching out to them for the inquiry. I do not understand how this is proper or fair to the consumer. This seems like the same unscrupulous behavior that caused problems for XXXX XXXX. The inquiry should be removed from my credit reports.
Consumer complaint received 2020-05-20
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC (CA)

In XX/XX/2020 I, like many others, was financially impacted by the COVID-19 pandemic. I proactively reached out to BMW Financial to request a lease deferral. On XX/XX/2020 I received both verbal and written confirmation from BMW Financial Services that my lease would be deferred for the months of XXXX and XXXX and that the automatic recurring payment withdrawals linked to my checking account would be placed on hold until after the delay period. 

On XX/XX/XXXX I went to the purchase groceries and to my shock my card was declined. When I checked my account balance, I learned that BMW Financial used my previously stored checking account information that they had on file to withdraw the entire balance owed without any warning or my consent. This fraudulent withdrawal is in direct breach of their verbal and written agreements to defer my car payments for the months of XXXX and XXXX. This fraudulent charge has resulted in numerous overdrafts fees, bounced checks and has left me with no money for food, rent or utilities. 

I am disgusted that BMW Financial has breached their customer agreements and they continue to illegally access checking account to withdrawal money from people who are in dire economic situations and who have applied for and been granted payment deferral by BMW Financial. They are predators who are taking advantage of their customers in the middle of a pandemic. 
I am happy to provide copies of all correspondence with BMW Financial including two separate letters stating my payments would be deferred along with documentation that BMW Financial accessed my checking account and withdrew the funds without my knowledge.
Consumer complaint received 2020-05-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc. (AZ)

NCB Management states I owe them a debt. They have called several times a week over the last couple of month so I sent them a certified letter asking them to validate specific things and also added a cease and desist on phone calls, Told them that all future communication had to be written. They received the certified letter Tuesday XX/XX/20 according to tracking from USPS but today I received another phone call from them, a lady names XXXX XXXX to call them back to resolve/settle this debt.
Consumer complaint received 2021-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged collection XXXX XXXX XXXX  XXXX XXXX. The collection agency annoyingly contacted me even it is already After XXXX XXXX. or before XXXX XXXX. This violates FDCPA Section 805 ( a ) ( 1 ). Prior to submitting this complaint, I have sent over 3 letters to the Buraus to have them send the proper validation of this alleged collection. I have even requested documents to be provided to prove that the payments were indeed in collection. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?