davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-19
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: CAPITAL ONE FINANCIAL CORPORATION (ME)

XX/XX/XXXX our XXXX XXXX stopped working and my husband XXXX XXXX contacted XXXX XXXX to cancel the account. On XX/XX/XXXX and XX/XX/XXXX XXXX XXXX still charged me on my CapitalOne card. Each year I called CapitalOne to dispute the {$59.00} charge and requested I not be charged in the future ; however, CapitalOne refused to refund me. Attempts to get through to a live agent at XXXX XXXX were always unsuccessful. On XX/XX/XXXX my CapitalOne card was once again charged. Once again, I called CapitalOne and disputed the charge, but they said that XXXX XXXX confirmed I had an active subscription. After multiple calls, I was able to get through to XXXX XXXX and the agent confirmed that he could find no active subscription for any of my current or prior email accounts. When I asked if he could trace my credit card to an account, he admitted he had no way to do this. He suggested I dispute the charges with CapitalOne. When I told him I had tried but CapitalOne always said that XXXX claimed I had an active account - he suggested I ask for the details of the active XXXX account - as without that there would be no way for XXXX to cancel it. I called back CapitalOne and asked for the letter from XXXX or some documentation detailing the alleged XXXX XXXX account, but CapitalOne refused because it would violate my " privacy. '' Once again on XX/XX/XXXX, i received another charge on my CapitalOne statement. I disputed the charge by submitting a claim online and then called to give the background. The representative told me that she remove the automatic renewal of the subscription and that I should wait to hear back on the prior years ' charges. Today I received two letters from CapitalOne - one said that they were charging me again for the {$59.00} this year and the other said they were reinstating the automatic subscription to XXXX XXXX because XXXX says I have an active account. When I call XXXX XXXX they said I have no active account. I am stuck in an endless loop here between two giant corporations and no one is willing to give me the information I need to correct this situation.
Consumer complaint received 2022-08-13
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit reporting act XXXXXXXX XXXXXXXX # 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 XXXX 9014 .... Updated The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. Before Dispute Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  .... Type Auto Loan Terms 76 Months On record until XX/XX/XXXX Recent balance {$15000.00} as of XX/XX/XXXX Credit limit or original amount {$15000.00} High balance XXXX XXXX  Monthly payment {$0.00} Recent payment amount {$0.00} Date opened XX/XX/XXXX Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Status Account charged off. {$11000.00} written off. {$15000.00} past due as of XXXX XXXX. Your statement ASSUMED BY ANOTHER PARTY. NO LONGER MY ACCOUNT. Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX. After Dispute Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Type Auto Loan Terms 76 Months On record until XX/XX/XXXX Recent balance {$15000.00} as of XX/XX/XXXX Credit limit or original amount {$15000.00} High balance XXXX XXXX  Monthly payment {$0.00} XXXX XXXX XXXX {$0.00} Date opened XX/XX/XXXX Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Status Account charged off. {$11000.00} written off. {$15000.00} past due as of XX/XX/XXXX. Your statement ASSUMED BY ANOTHER PARTY. NO LONGER MY ACCOUNT. Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX. XXXX XXXX .... Updated The information you disputed has been updated. Please review your report for the details. XXXX XXXX .... Updated The information you disputed has been updated. Please review your report for the details.
Consumer complaint received 2022-08-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I was offered a job interview with XXXX XXXX, a XXXX company. The interview was scheduled to be taken on the XXXX app ( which later I identified was used as it allows to Delete messages from the sender as well as receiver 's end ). My interview was completed by XXXX XXXX XXXX on the XXXX app via text messaging and I was offered a job on XX/XX/2022 by XXXX ( XXXX ). I had asked for three weeks before starting the new job. As per their requirements, they were supposed to send me a check for buying remote work-related equipment. I received the check by XXXX  package by XXXX XXXX and asked to communicate on XXXX. I had been communicating with both XXXX XXXX and XXXX. Once the amount was cleared by Bank of America on XX/XX/2022, and was reflected as deposited in my account balance. They asked to me to transfer {$1000.00} through XXXX from my bank account to XXXX ( XXXX ), their equipment delivery contractor who would be sending me equipment at my residential address. Once I sent screenshots of the transfer and payment confirmation, I was asked to transfer the remaining {$800.00} to her again. When asked why was the whole amount not transferred to her, I was told sometimes employees have a minimum {$1000.00} limit which leads to rejection, after which I transferred and sent the confirmation of the payment on XX/XX/2022 night. Today, on XX/XX/2022 I received an alert from Bank of America that my account balance is below {$0.00}. After checking, the check deposited was put ON HOLD as it was a fake check and scam. After trying to contact the manager XXXX XXXX, he deleted all the messages from the XXXX app and mentioned it is a fake contract. He also texted if I contact him, he will hack my bank account. I immediately contacted Bank of America, after 4 hours of waiting and talking to merely 2 people and repeating the story, Bank of America did not help me to dispute a transaction or cancel the transaction. They transferred me to XXXX who after 1 hour got connected and took my details and gave me a Case Number. They said they will try to get money from Bank of America as I have no money in my account, but they can not say anything. I reported to the local police officer, who was kind enough to take all details and screenshots and provide me with a case number. I would like to alert other people and the official company being used for this fraud.
Consumer complaint received 2022-08-02
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. (LA)

I sent a letter on XXXX, XXXX to remove these items, which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # 's XXXX ; XXXX ; XXXX & I am including it again. 
XXXX XXXX Balance : {$55.00} ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$600.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX : {$55.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-12-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (TX)

Us bank added Interest changes to my credit card for no XXXX  reason I told them that I had wonted to cancel my credit card because they did that to me I sent letter 's in the mail telling that I guess they cant read I am mother XXXX XXXX off at them they sent me another bill today in mail adding more Interest and late fees they are hassing me and I wont it stop because I am not pay those XXXX  XXXX any money XXXX them!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Consumer complaint received 2022-09-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MD)

An ad was placed for a musical instrument that I was interested in. After many communications, the seller gained my trust and requested a down payment to hold the item for a few days when I could go and pick it up locally. I made a payment of {$100.00} using XXXX through my Chase banking account on Saturday, XX/XX/2022. The seller then stopped answering my communications and blocked my cell phone. I immediately called my bank ( Chase ) and requested that they stop the payment which appeared as " pending '' on my statement. They said they were unable to do so and sent me to their fraud claims department. After I was transfered, they were unable to make a formal fraud claim with XXXX and told me I had to do it myself. I then had to call Chase for the third time to get a transaction number in order to file a claim with XXXX, at which point I received a generic email in return with no indication that I'd get my money back.
Consumer complaint received 2022-08-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HEAD MERCANTILE CO., INC. (MS)

Im a victim of balance billing my XXXX. I had services done through XXXX XXXX of XXXX, XXXX XXXX XXXX, XXXX, XXXX 39501.They sent me a bill for the remainder balance of a service that was not fully paid by XXXX 's XXXX ( XXXX XXXX XXXX XXXX XXXX after the service was paid by XXXX ( XXXX ) XXXX called XXXX several XXXX before about the issue with XXXX XXXX sending me a remainder bill of services rendered allowed charges through the state XXXX contract XXXX I also called XXXX billing about this issue recently and was told there was no balance. I believe this is because they sold it to Head Mercantile Co IncXXXX Today, I received notification from my XXXX that head XXXX XXXX reported this balance bill as collections on my credit report. I have tried to dispute matter. XXXX they said they took care of any bills remaining and should have not been billed, This is the 5th time I've tried to take care of this matter. Open date of collection was XX/XX/2020 and was reported XX/XX/XXXX i believe could be wrong.. XXXX didn't remove bill from account and head mercantile purchased this bill. They have now reported this to my XXXX as collections..NO bill notices were sent. I called XXXX today they said there should be any bill sent to me and Ive opened a grievance. This is illegal to balance bill a XXXX patient, even managed care XXXX, in the state of Mississippi. THEY have never sent a bill in mail paper. 
Head Mercantile address is : Head Mercantile Co Inc ( sos ) Business Phone : ( 440 ) 892-2300 29065 clements rd ste 200 Westlake, OH,44145 Memorial Hospital Gulfport 4500 13th St, Gulfport, MS 39501 228-867-4000
Consumer complaint received 2023-04-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (LA)

On XX/XX/XXXX Freedom Mortgage company failed to pay my property taxes from my escrow account. After receiving a delinquent notice from my tax authority via certified mail on XX/XX/XXXX, I called Freedom and they still didn't pay. I spoke with a total of XXXX different tellers who's names I have retained and was told they had sent check number XXXX. I was repeatedly given bogus tracking numbers making it impossible to research. So to avoid a tax lien, I had to pay myself. Tax Authority receipt number XXXX paid XX/XX/XXXX by myself. Now they won't issue a refund according to them for over 60 days. I'm XXXX living on Social Security and I can't afford this. They are the most ingenuous company I have ever worked with and I feel they need to be prompted by someone other than myself to refund my money. Thank you.
Consumer complaint received 2023-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (FL)

AMEX adds interest fees for 2 to 3 billing periods despite all the FULL monthly TOTAL being paid in full. 

For several recurring months, I have been charged in excess of {$1200.00} for interest charges despite each month having paid and exceeded my FULL monthly balance. Their claim is that the 1 day delay in them processing the payment has caused not only the {$40.00} late charge fee, but also accrued interest. 

In looking at the monthly statement each month, my previous balance is less than my payments and credits amount, but just a it was with XXXX XXXX in XXXX when they created fake accounts to augment their service fees and internal metrics, AMEX added the 'pay over time ' product to my account WITHOUT my consent. 

Because of this new feature in my account that was added back in XX/XX/XXXX, it allowed Amex to begin charging interest fees on my monthly balances. And according to them, as they were explaining this to me, is because interest fees continue to be charged for up to 3 billing cycles, despite each month 's balance being paid in FULL. 

I imagine this pay-over-time feature and its relationship to how interest fees continue for 3 billing cycles may not be something that people are familiar with, so I'm hoping that by posting this here, and in the consumer protection website, that more people become aware of this practice which seems solely designed to extract service fees. 

Sincerely, XXXX, Amex Member since XXXX
Consumer complaint received 2023-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION (PA)

I been requesting a new debit card several times by secure message and they didnt follow my instruction, I called custoemr service and the call has been transferred like 3 times, waited more than XXXX minutes and then was disconnected. 
Please proceed with a new debit card to my mailing address on file
Consumer complaint received 2022-10-13
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: Byrider Franchising, LLC (OH)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights Under 15 USC 1681 section 602 states that i have the right to privacy, 15 USC 1681 section 604 ( a ) section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( B ) 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 2023-11-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (KY)

I submitted an IDR/SAVE plan application to MOHELA on XX/XX/2023. It still hasn't been processed. Instead I received a letter in mid XXXX ( letter is dated XX/XX/XXXX ) that informed me that the automatic forbearance that I was placed in ( due to their internal problems with servicing ) was ending on XXXX XXXX and that I am on a level payment plan, which is well over {$1000.00} per month. I have called numerous times and waited on hold for hours. No one ever answers. As I write this, I'm on hold with MOHELA and have been for almost an hour and a half. They close at XXXX. It's XXXX. I still have no update on my SAVE plan application and I can't afford to pay the amount they're trying to bill me. I have to work so spending more than 3 hours on hold waiting for someone to answer isn't an option. I've even tried the veteran liaison phone number and its still impossible to get ahold of anyone. Please help...
Consumer complaint received 2022-08-02
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Lennar Financial Services, LLC (IL)

Hello, I have a complaint against two mortgage brokers with Lennar Mortgage. 

XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX complaint ; 1. requested signatures on disclosures with a floating interest rate even though we specifically said we were not in agreement. He asked us to simply disregard it as it would be corrected later in the transaction. 

2. approved loan by omitting debit and manipulated credit balances to reduce debt-to-income. 

XXXX complaint ; 1. upon receiving accurate debt-to-income ; she indicated it was 57 % over the FHA guidelines of 55 % XXXX Her solution, she would use supplemental income to qualify us for loan and then seek another job after closing to cover shortages. 

2. after expressing my frustration and accusing Lennar Mortgage of mortgage fraud/ethics violations, she has stopped communication even though this deal remains active. 

Both of their conduct mirrors how lenders qualified consumers during the 2008 mortgage crisis. Approving customers, like us, for a loan we would clearly be unable to pay due to high debt-to-income simply to sell homes.
Consumer complaint received 2022-09-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions. 15 USC 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 2022-09-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting act, the following accounts/account numbers have violated my rights : 1. XXXX XXXX XXXX  XXXX Account # : XXXX 2. XXXX XXXX XXXX Account # : XXXX 3. XXXX XXXX XXXX XXXX XXXX Account # : XXXX 4. XXXX XXXX XXXXXXXX Account # : XXXX 5. XXXX XXXX Account # : XXXX 6. XXXX XXXX XXXXXXXX Account # : XXXX 7. XXXX. XXXXXXXX XXXX  XXXX Account # : XXXX 8. XXXX XXXX XXXX Account # : XXXX 9. US DEPARTMENT OF EDU Account # : XXXX 10. US DEPARTMENT OF EDU Account # : XXXX 11. XXXX XXXX Account # : XXXX 12. XXXX XXXXXXXX XXXX  Account # : XXXX 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 2022-08-28
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. (AZ)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2023-07-05
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. (VA)

After a recent inquiry about my credit report I noticed that the information on my account was inaccurate, invalidated, and that the agencies were not reporting with 100 % accuracy. This has caused me to have XXXX  XXXX and is affecting my mental well being. 

XXXX XXXX : # XXXX has violated my rights. The Listed account above has flawed information under between XXXX different credit reporting agencies in XXXX, Equifax, and XXXX. First Flaw is the date account opened which differs from the Equifax and XXXX ( XX/XX/XXXX ) from the XXXX report ( XX/XX/XXXX ). Second Flaw is the number of terms reported on the account which differs from the XXXX and XXXX ( XXXX ) from the Equifax report ( XXXX ). Third Flaw is the payment status report which differs from XXXX and Equifax ( Late 120 Days ) from XXXX ( Late 150 Days ). Fourth Flaw reported was the date of last payment reported which differs from the XXXX and XXXX ( XX/XX/XXXX ) from the Equifax report ( XX/XX/XXXX ). The fifth flaw is the date last active which differs from all three credit agencies XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and Equifax ( XX/XX/XXXX ). The last and final flaw is the date of last payment which differs from XXXX and XXXX ( XX/XX/XXXX ) from Equifax ( XX/XX/XXXX ). 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I have tried to communicate to the companies involved through the XXXX  otherwise known as the XXXX XXXX XXXX and I have not received an accurate resolution in regards to my issue and the companies involved are taking extremely long for a resolution as it pertains and negatively affects my mental health, sanity, and well being.

I demand this account be removed off my credit report due to the laws stated above for the inaccuracies, misrepresentation, and questionable items on this credit account.