davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (TX)

On XX/XX/XXXX I noticed a {$57.00} charge on my Amex Gold Card bill labeled as an interest charge for Pay Over Time Purchases. Since I have not created a Pay Over Time purchase plan since the year XXXX ( and that plan was long since paid in full ), I knew this was a mistake, so I called customer service to dispute the charge. 

It turns out that, in XX/XX/XXXX, Amex automatically enrolled all Gold ( and Green and Platinum ) cardholders in the POT  program. The customer service rep told me that they had activated our POT  and set it for " all eligible purchases over {$0.00}. '' She said Amex must have sent us an email notification of the change ; if they did, we did not receive it or see it. 

Digging deeper, I found that my account has actually been charged {$780.00} in POT interest charges since XX/XX/XXXX, for POT charges I was unaware of. 

We have always intended to pay our account balance in full each month, and thought we were. This is why we have Amex, to avoid the high interest rates of other credit cards. Yes, there is always a discrepancy in the current statement balance and the total statement balancewhat is owed on the current statement vs that balance + the most recent charges. I did not realize that POT charges were accruing in that total balance bucket. There is not one single tab or button or link anywhere on my account manager dashboard that points to Pay Over Time charges or settings. The words Pay Over Time exist nowhere in the dashboard, not even in the Payments section. 

Today ( XXXX XXXX, XXXX ) when I became aware of the issue, I entered Pay Over Time into the search bar on Amex 's site via my dashboard and finally got a link to Manage My POT Settings. I clicked this, and got an error screen : " Pay Over Time is currently not available. '' There is no option to see anything to do with POT charges on my account nor to deactivate it or to manage any settings whatsoever. 

I requested a full refund from Amex. The customer service agent refunded the last two charges over 60 days and deactivated POT on our account. She said they would open an investigation to review the account and see about refunding the charges, however i am skeptical I will hear anything. I want this to be on the record. I want Amex to be accountable for what is obviously an opaque and misleading billing practice.
Consumer complaint received 2022-08-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: PENTAGON FEDERAL CREDIT UNION (CO)

In XX/XX/2022 I was buying a new Car for my husband the dealer ships had extremely high rates. I applied with Pentagon Federal credit union was pre approved for the loan. Once i inputted the vin number there system could not pull it up in XXXX because it was a new car. 
I then reached out to customer service about this and they said if the program couldn't pull it up then they couldn't do anything about it. 
on XXXX  XXXX I emailed XXXX XXXX the CEO for PenFed about the issue i was having with there system and being surprised the advanced technology that they had that made the merger with XXXX XXXX XXXX XXXX XXXX such a good thing wouldn't allow me to finance a new car at the 4 % or so rate versus the 11.04 % the dealership presented me with. 

I then receive a call from XXXX this person was requested by XXXX to call me. During our conversation she said that there were a few issues with the system that they were hopping to have worked out in a few month and were going into XXXX  at the end of the month. But that if i go ahead and get the car then penfed would refinance it as soon as they could. She would also let me know how the testing went and when it would be available. 

I never heard back from her. So i went online and try to refinance my car and was declined on XX/XX/2022. As of XX/XX/2022 I have failed to recieve the adverse desion letter from Pentagon federal credit Union. 

I reached out to XXXX on XX/XX/2022 no reply. 

I reached out again on XX/XX/2022 and received a call from XXXX XXXX. She stated that she is requesting the adverse action letter to be e-mailed to me in the next 24-48 hours. She said there is nothing they can do about the denial. Unless i provide documentation to disprove XXXX. But i still haven't received this letter so that i can begin this process and credit reports are only good for 30 days. I asked about the promise of Pentagon Federal credit union to refinance my car and she ignored it. 

At this time it looks like on the loan end Pentagon Federal Credit Union is going to cost me at least XXXX dollars in the first 12 months of ownership from there lack of willingness to refinance my car as they promised.
Consumer complaint received 2022-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I opened a checking account with Capital One bank near my home in XXXX XXXX NY. A few years ago, they closed all their branches here. 

My Social Security and US XXXX pension are Direct Deposited to this account. 

I've no checks, no Debit card for this account, I can not access my funds. The bank has a phone number on file for me that has been out of service for close to 10 years. 

I have no Cell phone, and no Internet access. 

I am XXXX years old and do not have a Driver 's license or transportation. 

We ( I called, and also had my son call them ) contacted them by phone earlier this year, in XXXX and again in XXXX. 

Due to their security concerns ( which we understand ), the situation remains the same : I have no way to access my funds locally. 

I am requesting a book of checks and a Debit card for my account to be mailed to me at my address of record.
Consumer complaint received 2022-08-09
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. (NE)

In accordance with the Fair Credit Reporting act 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 reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-09
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. (NE)

In accordance with the Fair Credit Reporting act XXXX  XXXX  LLC # 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 2022-08-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (MD)

My wife at the time and I purchased the house in XXXX with a 10 year interest only loan before the mortgage bubble burst. The original loan was with XXXX before being sold to a private investor that use XXXX  XXXX XXXX. After the loan was sold we tried to refinance but could not find any assistance because the house was upside down and our loan was not with XXXX XXXX or XXXX XXXX. Before the 10 years was up my wife and I divorced and I tried for a modification because of the loss of income and received a modification with a 5 % interest rate while the national average was a little more than 2 %. This was in XXXX. At the time my credit score was roughly between 830 and 840. I was told I did not qualify for any programs the government was providing because my mortgage wasnt under XXXX XXXX and XXXX XXXX. This was is the response we would receive from XXXX XXXX XXXX whenever we try to refinance like other neighbors with homes that were valued less than what they paid for. I was not able to get the same assistance others in the community were receiving. Selene later became the mortgage provider and offered a modification at 6 %. Im looking for a reasonable mortgage payment.
Consumer complaint received 2022-08-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (NC)

My homeowners insurance has been escrowed with my morgage since I purchased my condo back in 2015. Rocket mortgage took over servicing or bought my mortgage from XXXX in the last year and did not escrow my homeowners insururance which lapsed for non payment. I am in the process of getting the insurance coverage back in place but a new policy must be issued which will be a higher rate due to cancellation/lapse in coverage. In my opinion Rocket mortgage is at fault here and responsible for this lapse and I have never had to pay directly to the insurance company since it has always been escrowed. Reaching out to Rocket mortgage has been useless so far. Their staff specifically XXXX is very rude and zero help. Explained she has a boss but her bosses do not take phone calls from customer or return calls to customers. Something has to be done where a company drops your escrow without your permission and does nothing to rectify the situation.
Consumer complaint received 2022-08-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (TX)

In XXXX I had fraudulent transactions on my Home Depot Credit Card Account. I was first notified of this on XXXX when i received a text message regarding the some charges that I needed to verify. As soon as I spoke with the representative I realized that There were about 15 transactions of fraud charges on my account made around XXXX to XXXX. 
XXXX - {$110.00}, XXXX {$54.00}, XXXX {$83.00}, XXXX {$130.00}, XXXX {$160.00}, XXXX {$100.00}, XXXX {$130.00}, XXXX {$160.00}, XXXX {$100.00}, XXXX {$160.00}, XXXX {$110.00}, XXXX {$100.00}, XXXX {$210.00}, XXXX {$210.00}, XXXX {$980.00}, at the time, Home Depot removed the charges and investigated the matter. I received notification from them in XX/XX/XXXX informing me that Home Depot had determined that I was responsible for the charges and when I called Security Operations to find out why, they told me that it was because someone had actually swiped my card. I then opened a case with the my police department because I did not swipe my card for these purchases. I then faxed Security Operations the fraud report and after weeks of waiting for a response was told that would suffice and I would need to submit additional information. I then contacted my sheriffs office again and he was able to obtain video footage which does not show me making these purchases and also does not show Home Depot verifying any ID to the credit card that was swiped. I pressed charges on the individual and again faxed this information into Security Operations. After weeks of waiting for them to review this I was notified again that the information I had provided was not enough and I was still responsible for the charges. My Home Depot account was closed and sent to collections. This has effected my credit as well as caused me and my family so much financial stress. I had my account with the Home Depot opened since XXXX and never experienced any problems.
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

The following letters were sent requesting the process of verification and accuracy of alleged late payments on the following accounts listed on attachments. 

As per 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) I am requesting a description of the procedure used to determine the accuracy and completeness of the information I disputed because i have reason to believe that you have not made any reasonable determination that my dispute was frivolous or irrelevant Nor have you sent me a notice of such determination that corresponds with the FCRA. Furthermore, I directly disputed the completeness and/or accuracy of the alleged missed payment information contained in my consumer file as per the FCRA.
Consumer complaint received 2022-08-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (CA)

Hi, I a XXXX who is not computer literate. 
I refinanced my home with XXXX XXXX  last XX/XX/2022. A few months ago I received a letter saying My Mortgage has been sold to a Mr. Cooper LLC. The switchover was on XX/XX/2022. Before refinancing with XXXX XXXX, I was with XXXX XXXX for 20 years. 
Both XXXX and XXXX XXXX include your Loan Payoff on the Bill, along with when your next payment is due ( if you prepay in advance ). 
This New Lender, National Mortgage, Mr. Cooper LLC, puts No Information about Your Loan On The Paper Statement. 
So, You do Not know where You Stand With The Loan, mortgage. Ive spoken with several of Mr. Coopers Mortgage Staff, and they tell me to go on line?

1st, I have No Way To Get Online. A friend is helping me write this complaint. 
I would like National Mortgage, Mr. Cooper LLC to put the Mortgage payoff and when the next payment is due on their bills? 
I cant use the Mr. Cooper App, because I have No Way Of Doing So. I dont use email because its clogged with advertisements. So many, that I had to stop using email. 
Can You Please Ask National Mortgage, Mr. Cooper LLC to add the Mortgage Payoff and when the next payment is due like real mortgage companies ( such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
By not doing so, many XXXX like me could get into trouble By Not Having This Information. 
One Last thing, XXXX XXXX gave me the Mr. Coopers New Mortgage Number. So, I set this number up with my XXXX XXXX XXXX Account for Payment. When I finally got the Mr. Coopers New Loan Paperwork, Mr. Cooper added a XXXX in front of the loan number that was given to me by XXXX XXXX as the New Mortgage. 
Ive already made a payment to the mortgage number without the leading XXXX. 
Is this a problem? Is Mr. Cooper doing this so they can say they never got the payment. 
How can a Company change the Loan Number on You? Is this to to make XXXX XXXX make late payments on a loan paid on time? 
How come Mr. Cooper didnt give XXXX XXXX the correct New Loan Number? 
Now, I have to go to XXXX XXXX XXXX  and have them change the loan number because Mr. Cooper added a XXXX ahead of the loan number. Making it different than the number given to me by XXXX XXXX? 
Thanks in advance, XXXX XXXX
Consumer complaint received 2022-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (OH)

I received a fraud text from chase. I responding saying now it wasnt me. Someone went into chase branch and withdraw amount of {$2800.00} and I have been calling chase customer service and been complaining the last month and half and they are all giving me the run around. At this point I feel like I have been robbed by a cooperate company and I cant do nothing about it because I cant afford to take them to court. I really need help getting my funds from chase. Even provided them a XXXX Police Report as they asked and still they wont help me.
Consumer complaint received 2022-08-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (FL)

I owe a 10-year-old debt for < {$1000.00} to XXXX XXXX XXXX, XXXX XXXX. When Midland Credit first started calling ( about one year ago ) they stated that they were with XXXX XXXX XXXX and that this was a current debt that needed to be paid or I would be sued for {$1600.00}. I was confused because I did have a current card with XXXX XXXX XXXX, but it only had a {$500.00} limit. So, they claimed that it was on my current credit card and that they were filing a lawsuit was very confusing. So, I started asking specific questions, what company are you with? They answered XXXX XXXX XXXX, so I told the representative that was impossible because my current credit limit was only {$500.00}. He said that with late charges and over-the-limit fees it had increased. I told him that I wanted to speak with a supervisor. He put another man on the phone who I asked if he were in-fact a supervisor and if he could confirm everything that the representative was saying was accurate and he did. I told him it couldn't be accurate, and he was just high-pressure, threatening to ruin my credit, that I would never be able to own anything, that they were going to file a lawsuit etc. I asked to speak back to the representative. So, the man claiming to be a " supervisor '' picked up and said " Yes, how can I help you. '' I recognized his voice. I said, " Yes sir, are you a supervisor? '' He answered, " No I am representative, what can I help you with. '' He forgot which line he had picked up, so I said, " So you lied on a recorded line and you're NOT a supervisor at all? ". He responded, " I will not answer this. '' I happened to remember just then about the 10 years ago debt with XXXX XXXX XXXX and let them know that they couldn't sue me because the statute of limitations has passed. So, the representative responded, " We here at Midland Credit report you every 2 weeks to the agencies and we'll ruin your credit. '' Really, because that's illegal as well for a 10-year-old debt. They got frustrated and hung up on me when I pointed out their lies and fraudulent scams. Ever since, they call 6-10x/day even though I've asked repeatedly for them to not call during working hours because my boss has already threatened to write me up if they don't stop. I've asked Midland multiple times to please not call during my working hours of XXXX, but they still harass me daily threatening to ruin my life, credit etc. I don't know how to get them to stop. Especially, all their lies and fraudulent claims and behaviors. What can I do? I have never received written correspondence regarding this debt from Midland Credit.
Consumer complaint received 2022-08-09
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. (NE)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

After reviewing my equifax credit report I realized that there were inquiries being reported that I did not authorized. I contacted equifax and informed them of the inquiries and they did nothing to help. The representative was very rude and did not provide any assistance.
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I was deceived and pressured into a " timeshare '' purchase in XX/XX/XXXX. ( I request that you also have an option of " timeshare scam '' on your website. Why don't you? The FTC acknowledges that timeshares are a huge scam that pressure and harm consumers, and we really need CFPB to stop the abuse of American Consumers. ) Anyway, after falling for the timeshare trap, I continued to pay the bills monthly as required until the timeshare agreed to work with me so that I will be released from the contract. On XXXX, I had spoken to XXXX of the timeshare. She explained to me on that day that their legal had put a hold on my account on XX/XX/XXXX to put in foreclosure and work on a DIL because I complained to them repeatedly that they scammed me. I asked, " How can I be in foreclosure when I never missed a payment and I am up to date! '' After that, I spoke with my lawyer that I hired specifically to deal with this XXXX. After we all officially agreed with the timeshare for them to release me, as I was waiting for all the paperwork to go through on THEIR side, they were reporting me as " delinquent '' monthly while we were waiting on them to complete their share of paperwork.
Consumer complaint received 2022-08-09
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: RentDebt Automated Collections, LLC (WA)

RentDebt is indicating on my credit report that I still have an outstanding balance. This balance was paid in full on XX/XX/2021 by XXXX XXXX XXXX XXXX for {$2800.00}. I have contacted Rent Debt on various occasions and they refuse to comply to remove this information from my credit report. Due to their actions, I have been unable to purchase a home for my family. Can you please help me?
Consumer complaint received 2022-08-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

As a result of frequent data breaches by various corporations, I set up as much multi-factor authentication as possible on all of my accounts, especially banks. USAA allowed me to set up facial recognition, but that functionality was removed around XX/XX/2022 as far as I can tell. To replace it, I set up biometric multifactor authentication ( thumb print ) and received an email indicating that I had done so in late XX/XX/2022. After a week, that authentication was removed without any sort of communication. I was able to set it up again easily, but it has shaken my confidence in their account security. I would prefer to use a separate authenticator with a rotating code, but they do not offer that functionality.
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: HireRight Solutions, Inc. (KS)

XXXX XXXX XXXX XXXX XXXX reports that I had violated state/local laws by speeding in a work zone on XX/XX/2022 during a level 3 XXXX inspection XXXX The inspection took place near XXXX, XXXX, but I was never cited for breaking any laws during that inspection.
Consumer complaint received 2022-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (NJ)

In XX/XX/XXXX, I requested a lower rate on my Discover Card. My balance at the time was XXXX. Discover informed me they would only adjust the interest rate on purchases AFTER XX/XX/XXXX. From that point forward I have been subject to two interest rates purchases prior to XX/XX/XXXX at 29.99 % and Post XX/XX/XXXX at 24.99 %. I have made payments well in excess of the minimum payment however the balance subject to 29.99 % is now as of XX/XX/XXXX at XXXX. Per the Credit Act of XXXX, payments over the minimum should be applied to the principal of balances subjected to the higher interest rates. I have contacted Discover numerous times about this misapplication of payments with no resolve and was told " they have no way to ensure payment application ''.