davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: U.S. BANCORP (NY)

I have a XXXX MasterCard issued by US Bank. I have been making monthly payments on it regularly. Recently, as I continued using my credit card I did not realize that I had reached the credit card 's limit. But, instead of declining the card, US Bank allowed the transactions to go over the limit by more than a thousand dollars before stopping. 
Now according the the monthly credit card statement, US Bank wants me to pay the amount over the limit IN FULL and AT ONCE. 

I am able to make monthly minimum payments plus a little extra without a problem, but it seems rather fraudulent that a bank will let your credit card go over and then insist that you pay that whole amount in full. Isnt that the purpose of having a limit on a credit card so it stops when you've reached it? 
There used to be Overdraft Fees by the banks, now it looks that the have brought the same trickery to their Credit Cards too. 

I am a XXXX. I graduated from XXXX XXXX last month and successfully passed my XXXX. Last year or so, I have worked part-time as a XXXX XXXX and have been on the front line of XXXX XXXX along with my fellow brave XXXX. I have worked and studied very hard to get to where I am and having recently graduated, I am looking forward to start working as a XXXX XXXX myself. 
Every one calls us Heroes and thanks us for our sacrifices, but blink or get too busy with your job of helping other people or fail to check your bank statements properly, and fall slightly behind in your payments and there is another financial institution ready to take advantage of you.
Consumer complaint received 2020-10-25
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. (FL)

On XX/XX/2020 I received a letter back from Experian stating that the account I disputed was verified and a derogatory mark still remains on my credit report per XXXX XXXX and Experian. Upon, further research, this account was transferred/sold and i am no longer responsible for the account. Debtor 's creditor did not verify this collection/charge-off. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, XXXX XXXX XXXX ( XXXX  ), XXXX. has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (OH)

I filed a complaint against American Express due to their attempt to collect a debt not owed by me. When I called and advised the client service representative I expressly asked if what they were showing as a late payment ( which was 100 % erroneous ) was going to show on my credit report. The rep advised it was not going to appear on my credit report. Their representative in my last call advised the same. This constituted a bilateral agreement they have broken. 

I checked my account today and find that they did, in fact, report this as a late payment on my credit report. This is totally false. 

The bottom line is that this company accepted a payment as payment in full and then charged a service and interest fee even though they told me it was cleared. 

They advised, unsurprisingly, that they could not document my call in XXXX when this account was initially closed and paid in full. The actions cause me blatant damage to my credit and it was only after filing my complaint, it appeared. This shows that American Express acted punitively to my complaint in a willing and wanton manner with malice and forethought. 

Original Complaint : COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 PRODUCT Debt collection ISSUE Attempts to collect debt not owed
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: Experian Information Solutions Inc. (MD)

In accordance with the Fair Credit Reporting act XXXX  account ; 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 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 credit reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2021-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (VA)

To whom it may concern, My name is XXXX XXXX XXXX I was under forbearance due to covid-19 for my property I reside at XXXX XXXX XXXX  XXXX, XXXX, Va,XXXX.I was going under my house refinance when I learn that my credit showing 3 late payments from JP Morgan Chase I called JP Morgan Chase which share my loan real estate home equity after I find out I have late payments showing on my credit and why I was not inform about when to start making my normal payments after searched agent came back on line and mention we had wrong address in file however its still reported late and we cant take that off from your credit until its paid in full which I made full payment right away and within time frame I was given I went back to my auto pay setup for monthly payment will be draw from my account automatically .I called back and ask the chase why its still showing on my credit late payment when I made the full payment and they were the one had wrong address in file sending the communication to the wrong address in first place it wasn't non disclose to me at any point of time without any proper communication in stead agent spoke rudely and I had wait on hold 1hr 47 min then call was disconnected. I had to call back again this time I was connected to XXXX XXXX his ext XXXX he took my concern and called me back week after chase has denied my reporting .As a fair resolution to this situation all I am asking to remove those late payments reporting from my credit in all fairness it was right after the covid happen I have always made my payment on time even after I find out I made full payment and went back to auto pay chase failed to disclosed the communication to me about my account not having correct address I am not asking a lot please look in to this matter I have a family I have been supporting all along in covid and still ensure all my payment are made on time I have been working all this time as an essential worker to help people and still ensure I wont loss my house I just need help and clear this misunderstanding as I am getting refinance this mortgage to pay chase remaining home equity is one of the reason to get refinance. 

Sincerely Thanks Name : XXXX XXXX XXXX Cell : XXXX Chase account # XXXX Property address XXXXXXXX XXXX XXXX XXXX, XXXX XXXX VA,XXXX
Consumer complaint received 2024-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (VA)

Dear Sir/Madam, I am writing to formally file a complaint against TRUIST bank regarding an account freeze that has significantly impacted my financial well-being. On XX/XX/year>, I deposited XXXX legal checks from my employer into my account via the bank 's online deposit system. A few days later, I noticed that my account had been frozen, preventing me from accessing or transferring any funds. 

After contacting the bank, I was asked to provide additional documentation, including paystubs and an authorization letter, which I promptly submitted. Despite complying with their request, they blocked and closed my account, and I have been unable to access my funds for over 15 days. 

I have been in contact with the banks customer service daily, but I have yet to receive a clear explanation or a timeline for when this issue will be resolved. This situation has caused me undue stress and financial hardship, as I am unable to pay my rent, which is due soon, and I risk incurring late fees and penalties. 

Given the urgency of the situation, I kindly request your assistance in resolving this matter as quickly as possible. The banks lack of responsiveness and the uncertainty surrounding the resolution of my case have left me in a precarious financial position. I believe this to be an unfair and unreasonable practice. 

Please let me know which documents you will need for this matter. 

Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue.
Consumer complaint received 2020-10-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

The novel coronavirus pandemic has changed everything for my beloved wife XXXX and I in terms of paying the loan from the Bank of America for my car! We are senior citizens of advanced age with serious health problems and so are in the HIGH RISK category. 
As a result, WE CAN NOT WORK! 

Yet the Bank of America is unwilling to change the terms of my car loan so that I in light of the novel coronavirus pandemic that makes work for us impossible! This is cruel and insensitive of the Bank of America. 

I am able to make payment of {$500.00} per month for the life of the loan! The Bank of America in light of my beloved wife XXXX and being in the HIGH RISK category would amend the loan agreement in this regard!
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

My auto loan with XXXX XXXX XXXX. Account # XXXX it was 30 days late. This account was opened on XX/XX/XXXX. And the late payment was in XX/XX/XXXX. 

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. a account 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 a payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2022-12-03
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Stellantis Financial Services US Corp. (IL)

During the pandemic in 2020, I owed less than {$600.00} on a car loan with First Investors Inc. I asked for additional time to pay it off and their response was reporting late payments multiple times to all three credit bureau which remains on my credit report and substantially lowered my score. I paid the loan off, however, they reported it as late and a charge off?
Consumer complaint received 2020-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Social Finance, Inc. (NY)

{$75.00} cash deposit bonus was promised for getting a direct deposit from employer. Direct deposit of {$500.00} was received on XX/XX/2020 yet the bonus promo was never credited. 
Sofi terms read " SoFi will credit members who meet the qualification criteria stated above with a one-time cash bonus of {$75.00} deposited into their SoFi Money account within two weeks of qualification ''.
Consumer complaint received 2020-10-24
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. (NC)

My identity was compromised and there has been numerous accounts have been open and inquiries. the fraudulent information i was able obtain is listed below. 



CLOSED ACCOUNTS : XX/XX/XXXX opened XX/XX/XXXX ( 3 yrs, 5 mos ) with a balance of {$2400.00} OPEN ACCOUNTS : XXXX XXXX - XX/XX/XXXXXXXX  Opened XX/XX/XXXX ( 8 mos ) with a balance of {$1000.00} AUTO LOAN : XXXX XXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$8900.00} XXXX XXXX XXXX XXXX {$500.00} Balance updated XX/XX/XXXX Exceptional payment history INQUIRIES : XXXX XXXX XXXX Inquiry fromXX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Miscellaneous Reptg. Agencies Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX - XXXX  XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

NOTICE TO DELETE ACCOUNT : Name Account Number : XXXX XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX NOTICE TO DELETE ACCOUNT TO WHOM THIS MAY CONCERN, PLEASE DELETE THIS XXXX XXXX, JUDGMENT ACCOUNT IMMEDIATELY Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ) Delinquent child support obligation is NOT a credit transaction. The Referenced court cases are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Experian Information systems , Inc. and XXXX XXXX XXXX, Case XXXX, XX/XX/XXXX ( XXXX XXXX  ) ; XXXX XXXXXXXX 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 Experian Information Solutions, Inc. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX ). 

'' As a result, the courts found that collection of this account was not a valid permissible purpose to obtain or report a consumer report. All Credit Reports for collection of delinquent child support judgements, fines and liens may no longer be permitted. 15 U.S.C. $ 1681b ( b ) ( 1 ) ( A ) - the Certification Requirement. 

Please provide the following as an example, for collectors of delinquent child support debt, judgments, fines, or liens, you must have in hand : 1. A court order authorizing a consumer reporting agency to provide a consumer report, 2. A written authorization from the debtor to obtain a consumer report, or 3. Some type of contractual agreement with the consumer that rises to the level of a credit transaction under law. Please respond to this deletion notice within 30 days to avoid further actions, deletion of this account will satisfy compliance. CC : Attorney General Office, FTC, CFBP Upon removal of the above referenced items. Please send me a copy of an updated credit report. 

Thank you,
Consumer complaint received 2024-09-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was charged late fees on my credit card XXXX making my monthly bill {$200.00} or more. Furthermore, I was charged {$200.00} XX/XX/XXXX, and {$210.00} XX/XX/XXXX of this year. The first time it occurred I called Capital One Credit Card Company and ask for leniency, and asked to have waivered the penalty fee and I'll pay the 2 months owed ( because I live in XXXX in a building and presently the mailboxes are broken ; they don't lock and the mailman might not deliver mail if mailboxes are in bad condition ). The response was ( during a telephone conversation ) my payment history will be reviewed and a decision will be made. But I didn't get any reimbursement or credit on the bill. In fact I paid {$200.00} ( all of it including penalty fees ). Then it happened again 6 months later in XXXX ( I find it hard to believe this was a coincidence ). The next month I paid {$210.00} for XXXX, and XXXX plus penalty fees. My boyfriend a lawyer called CapitalOne to make inquiries and was told his name isn't on the account and therefore, agents could not discuss account with him. However, I think CapitalOne should show leniency on this bill because the account is closedXXXX XXXX XXXX XXXX XXXXXXXX XXXX. Moreover, I don't have the advantage of using the credit card again, or using it anywhere because the store chain in NYC closed. Additionally, I don't have a problem receiving by mail any other bill except Capital One 's Credit Card bill. Furthermore, my credit card balance is approximately {$2600.00}. It used to be {$5000.00} or more, and I've been paying on it 10 years now. By the way, I am a former employee of XXXX XXXX XXXX and employees were encouraged to get a credit card if they wanted to take advantage of store discounts and special sales promotions. Furthermore, I would like to see the balance erased.
Consumer complaint received 2022-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY (CA)

I booked a 3 day trip with American Express travel - booking confirmation # XXXX. AMEX XXXX 's stated costs for the trip were as follows : Total Trip Cost : {$600.00} - Room for XXXX nights : {$380.00} - Additional property fees : {$150.00} ( resort fees are due and payable at the resort! ) - Tax on the Room : {$68.00} AMEX billed the entire amount of {$600.00} - which included fees that were due and payable at the resort ( {$150.00} ). 

AMEX tried to suggest that the actual costs were : Room for XXXX nights : {$380.00} Estimated taxes and fees : {$220.00} Additional property fees : {$150.00} Total cost using AMEX logic : {$760.00} AMEX is flat out wrong. I confirmed with the XXXX hotel that the {$68.00} represents the actual taxes and fees for rooms. The {$220.00} in estimated taxes and fees includes the {$150.00} resort fees and taxes- which are payable directly to the hotel ( and should not have been charged by AMEX ). 

AMEX made a simple error and double charged me for taxes and fees that were also then collected by the hotel.
Consumer complaint received 2022-02-15
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. (MI)

I, XXXX XXXX, Living Person, And Original creditor have solely made this complaint and if stated otherwise would be intentional willful neglect. I have supporting documents presented in this complaint that establishes that the corporations mentioned in said complaints have committed fraud against me since as far back as 2014. This is totally unacceptable and you must hold these companies responsible as they feel they are ABOVE THE LAW and taking advantage of me and my REPUTATION. The accounts listed in the supporting documents of this complaint CLEARY show that the accounts are not mine and are fraudulent. Pursuant to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting on my consumer 's file. I am telling you my hand on the bible that this is information will not be blocked in error. My FTC report and affidavit of truth attached are proof that nothing I have stated is false. As your Bureau is here to protect my consumer 's rights I am requesting that you force these corporations to remove ALL negative remarks on my consumers file. All of this information MUST be blocked within 4 days of this complaint per the LAW. If this fraudulent activity continues I will be forced to start LITIGATION. If you believe that I've obtained possession of goods, services, or money as a result of information to be blocked, have your executive member or the company put it in an affidavit of truth notarized. Thanks for your cooperation in this matter. I am XXXX XXXX and I am submitting this compliant MYSELF and there is no third party involved. This complaint should not be closed at any time for authorization needed. This submitted complaint with attached documents will be my written authorization.
Consumer complaint received 2020-10-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc. (TX)

In XX/XX/ I was notified by Franklin Collections that I had a {$280.00} unpaid balance with XXXX XXXX XXXX. I informed them that I had filed a police report because I do live, nor had I ever lived, at the address of service. I also told XXXX XXXX XXXX in XX/XX/ when they began harassing me that I did not own this account contrary to my name being on it. XX/XX/XXXX XX/XX/XXXX could not verify me to discuss specifics on the account because I couldnt provide the address or phone number associated with the account. I have made several calls to XXXX XXXX XXXX and Franklin Collections, filled out fraud reports for both and sent in the police report. It is my opinion that XXXX XXXX XXXX is trying to collect twice on this debt. Once from the perpetrator of my identity theft and once from me, the victim.
Consumer complaint received 2021-02-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION (NH)

TIAA Bank in XXXX Florida has both of my home mortgages and I am in the process of selling 1 home. We close on the home in 8 days. I was never notified that TIAA Bank sold my mortgage to XXXX XXXX XXXX in XXXX XXXX, VA. I needed to obtain a payoff statement and make sure the last payment via direct deposit was received so we have accurate payoff amounts at closing. I was informed that TIAA bank at that time of my call was in the process of selling my loan and that I would have a new loan number with XXXX XXXX XXXX. I was unable to access my accounts through TIAA Bank as they said XXXX XXXX was now managing it, then I called XXXX XXXX XXXX and they told me that they we are in a " black out '' period and they have no information on my Loan that I should wait and see next week. Next week we are closing. I have escrow payments and history of payments that I can not access at either banks. This is not a seamless transition and I have no way of getting my loan, payment, insurance, property tax information and have no where to get this information. This is causing great stress and concern of where my money is and who is monitoring this and how can I get access to my loan information before we close in a matter of days. XXXX XXXX XXXX is no help