davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-17
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. (GA)

XXXX is showing that I have two late payments from 2014. My student loans have always been in deferment due to me being in school. I have contacted the loan company about these late payments. I informed them of me being enrolled at the time and explained that my loans should have still been in deferment. I was also in the process of getting my loans consolidated. These late payments are hurting my credit tremendously! I should not have any late payments. As I have stated i have always kept my loans in deferment.
Consumer complaint received 2017-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

I am asking for your help in both clarifying what American Express ( and other credit card companies ) can and can not do, and, I am asking how to initiate changing the regulations if in fact they are legally entitled to do what they say they can and are doing. 

I have been an American Express card holder since XXXX. 

Frequently, I travel internationally teaching so I typically pay a couple of thousand dollars more than my balance in advance, before I leave - to cover charges when Im away. 

This year ( as for many years before ) I called Amex in late XXXX ( around XX/XX/XXXX ) as I was soon going to make a {$33000.00} charge at a hotel as the balance due for our conference and wanted to make sure they would honor the charge. Knowing I was out of the country ( XXXX ) they made no mention that my due date for my current balance of {$2400.00} was in around eight or nine days and if I was late, an interest charge of 29.99 % would be applied to this new large charge of {$33000.00} even though it was not late. 

It seems my Amex was due onXX/XX/XXXX and as I did not pay it, I got an email a couple of days later ( already back in the US but not home ) that I was overdue. I called Amex when I saw they were charging me an outrageous 29.99 % on my overdue balance. I asked them to waive the penalty and the interest. Then, to add insult to injury, they charged that interest rate of roughly 29.99 % on the {$33000.00} hotel charge made onXX/XX/XXXX which was not late it was not even due yet ( they charged {$460.00} interest ). 

So, on a balance where {$2400.00} overdue and a new charge of {$33000.00} which was was only around 13 days old and NOT late - they charged the entire amount ( approximately {$36000.00} ) at 30 %. I paid my balance in full online ( around {$36000.00} ) onXX/XX/XXXX. 

When I called Amex to ask to have this penalty and interest waived as it was wrong and I have been card holder for 50 years, they refused. I wrote to XXXX XXXX XXXX, the CEO and was contacted by a representative of the Executive offices ( XXXX ) and told that was something about the trailing interest on the residual balance which allows them to charge on interest on new charges - if there is a balance overdue. This makes no sense - and if it is legal - it is still wrong. 

I am asking you to clarify if Amex is allowed to do this and if so, what has to happen for that part of the regulatory system to change. This is unconscionable and just wrong. 

Please clarify and advise. 

Thank you,
Consumer complaint received 2017-09-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (CA)

Please be advised that this office represents XXXX and XXXX XXXX in connection with an effort by XXXX and XXXX XXXX to have their home loan modified. This file is much more than bare numerical calculation of expense and income, and it is our desire to be able to speak directly with the decision maker on this file. We are setting forth in this letter, reasons we feel warrant a forgiveness of the entire loan balance in this matter. 

As a reflection of both their good faith and dire need for a correction of the past deeds of U.S. Bank Home Loans, XXXX and XXXX XXXX are now coming to you and your company to enlist the support for a full principal loan balance forgiveness of the mortgage on their home. Per our borrower 's authorization that is enclosed, please direct all correspondence and communication on this file to our offices, and not to XXXX and XXXX XXXX. That is the desire and request of our clients, as per the authorization. If there is any further action that we need to take, and documents that we need to submit, in order to proceed in this fashion, please let our office know. In the past, my experience with U.S. Bank Home Loans, has been there is some disorganization and/or misdirection in the modification application process. 

I am sending this communication directly to your offices in the hope that this will be the efficient manner to facilitate a loan modification on behalf of our client. In addition, upon receipt of this package, I am requesting that the person on your staff who has the authority to speak with XXXX regarding our concerns would contact me immediately to review with me any additional information I would need to submit to arrive at a modification which is successful to my clients, as well as to discuss what we believe to be reasonable and appropriate terms of such a modification. 

This loan contains a " Balloon Note, '' dated XXXX XXXX, 2007 at a 9.375 % interest rate, in the amount of {$120000.00} ; is a predatory loan, and must be completely forgiven. This loan was a scheme on the behalf of U.S. Bank to further entrap them in their home. 

XXXX and XXXX XXXX have suffered through a number of Legal Offices which have coerced them into spending money for a loan modification ; these Legal Offices have been reported to the Proper Authorities, as they did nothing to help XXXX and XXXX XXXX to keep their home from foreclosure. 

Very Truly Yours, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-08-17
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. (GA)

Over the past 4 months I have made several disputes with XXXX & Experian regarding an fraudulent account being reported on my Experian/XXXX Credit report. In my written and online request I asked that XXXX please investigate this item and show proof of validation or delete immediatley from my report. The account in question is XXXX for $ XXXX.Every dispute I have sent it their response has been that this account has been " verified '' as mine but shows no proof or documentation showing that it is mine. It is my impression on FRCA that the account in question must show a/an signed document showing that in fact open the account ( i.e signature etc. ) I have n't gotten anything from XXXX & Experian proving the account is mine. Please also note that XXXX has already legally deleted this account from my report. There is no possible way that this account belongs to me.PLEASE HELP
Consumer complaint received 2017-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST NATIONAL BANK OF OMAHA (PA)

I filed several disputes with all three credit agencies between XXXX 2017 and XXXX 2017. XXXX is the only one still actively reporting that my account with First Bank Omaha is open and carrying {$2500.00} balance. I have called First Bank directly and they claim that they have reported my account closed with a XXXX  balance to all three agencies. When I spoke to a costumer service supervisor at XXXX on XXXX XXXX, 2017 he stated when they contacted First Bank of Omaha on XXXX XXXX, 2017 they were told the account was open and over my {$2500.00} limit.
Consumer complaint received 2017-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have been trying to fix an error that is reporitng on my credit since I started repairing my credit in XXXX  2017. I have sent numerous letters, faxes, certified letters, phone calls, etc to Transunion to correct this. I recently filed a dispute back in XXXX and they removed one of the inaccurate collections, but failed to remove the other from the same company. Transunion has yet to notify me of who they spoke with to verify that this information is accurate. I have also reached out to the collection agency to rectify this situation, but they refuse to respond to my request. The only thing I need is for Transunion to update and correct my credit report b/c it 's affecting my ability to obtain credit. Thank you! 

The collection reporting is XXXX XXXX XXXX  {$1500.00} Attached you will find the letter that was sent to XXXX.
Consumer complaint received 2017-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

Pro-collect XXXX XXXX, 2012 XXXX this apartment was being rented by my mother and the court gave my mother 30 days to move because she had a XXXX and she was moving in with me to another location, that 's last company to lease granted my mothers move. I signed papers and low behold new company come in and said I was responsible for my mother debt. I have tried pleading and reasoning with these people and nothing, I call they hang up or cuss me out. I do n't know what else to do to get this removed off my credit.
Consumer complaint received 2017-08-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (LA)

Applied to lower monthly payments to {$140.00} and have been keeping up with payments consecutively for year. Without notice I have a past due amount due to payment hike up to {$650.00}. I have applied for CSRA to reduce my interest rate and have been unsuccessful. I have been a member of the XXXX XXXX XXXX since 2009 and have been eligible and received my CSRA benefit with the 2 credit cards I have but navient has not awarded me the benefit. My total loan balance left is {$21000.00}.
Consumer complaint received 2021-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NEW CITY FUNDING CORP. (NY)

I wanted XXXX  to investigate this but no response from them so Im here because i believe there is a violation against this company for reaging this account and Im sure they didnt take the money off from my gap insurance and when they sold the truck but I would like you guys to investigate this for me and would like this account immediately deleted from my credit report thank you
Consumer complaint received 2017-09-02
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: Westlake Services, LLC (CA)

I have been trying to fix this problem since XXXX, but the credit bureaus just go by the word of the Creditor. I reported to the bureaus that that account is not mine because it could n't be my signature because I was fresh out of the hospital from my XXXX and unable to sit up let alone write. I want to see that paperwork with my so called signature to prove that it 's not me. I have the right under the Fair Credit Reporting act to ask and get a copy of The contract with my signature.
Consumer complaint received 2017-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

On XX/XX/XXXX, I was charged a foreign transaction fee for a transaction for a purchase through XXXX, even though XXXX is not a foreign company. Additionally, the IRS ( https : //www.irs.gov/uac/newsroom/irs-virtual-currency-guidance ) seems to indicate that purchases on this platform should not incur such a fee. I tried to dispute the charge but the website does not allow customers to dispute fees.
Consumer complaint received 2017-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Over the past 4 months I have made several disputes with Trans Union/XXXX/XXXX regarding an fraudulent account being reported on my Credit reports. In my written and online request I asked that Transunion please investigate this item and show proof of validation or delete immediatley from my report. The account in question is XXXX XXXX XXXX for {$19000.00} .Every dispute I have sent it their response has been that this account has been " verified '' as mine but shows no proof or documentation showing that it is mine. It is my impression on FRCA that the account in question must show a/an signed document showing that in fact open the account ( i.e signature etc. ) I have gotten anything from Transunion proving the account is mine. There is no possible way that this account belongs to me.PLEASE HELP
Consumer complaint received 2019-12-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (NM)

On XX/XX/2019 @XXXX MDT - I called FedLoan Servicing at XXXX.I called FedLoan Servicing to enroll in the PSLF and FedLoan Servicing Agent stated I did not qualify because my loan type is not a Direct Loan.I qualified for PSLF under the following conditions:- I made 124 payments. - I have worked for Public Service for 16 years.- I qualify under the College Cost Reduction Act
Consumer complaint received 2017-09-01
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: Exeter Finance, LLC. (TX)

I do not recognize nor did I authorize the following inquiries to be made : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXXExeter Fin XX/XX/XXXX
Consumer complaint received 2017-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

I sent a request via certified mail : I am requesting the removal of a bankruptcy ( below ) on my credit report due to Civil Case No. XXXX XXXX, XXXX XXXX, XXXX XXXX, v. XXXX XXXX XXXX XXXX XXXX , I did not know the source of their information on those judgments and bankruptcies and due to this, XXXX, XXXX and Experian has violated the Fair Credit Reporting Act ( FCRA ). Please remove these judgments and bankruptcies as soon as possible. Bankruptcy Ref. # XXXX Since this is a request and not a dispute, I would like to receive confirmation that all judgments and bankruptcies listed on my credit report has been removed within 15 days of the date on this letter. Your attention to this matter is greatly appreciated. My request have been ignored and unfulfilled and not validated : Experian has the phone # XXXX listed ( which is a recording stating " You have reached a none working number. '' as a source of validation on the Experian report. I have tried to speak to Dispute dept Reps from Experian only to be told that they use a 3rd party to validate the Bankruptcy, but did not know the name of the 3rd party company that Experian uses so they could not help me or remove it from my report.
Consumer complaint received 2017-08-17
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. (CA)

Ive had your company keeping faulty and incorrect accounts on my credit report for a very long time and despite my prior letters to you including the one sent to you the prior month, you have failed to do anything.
Consumer complaint received 2017-08-17
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. (GA)

Over the past 4 months I have made several disputes with Trans Union regarding an fraudulent account being reported on my Trans Union Credit report. In my written and online request I asked that Transunion please investigate this item and show proof of validation or delete immediatley from my report. The account in question is XXXX XXXX/ XXXX for $ XXXX.Every dispute I have sent it their response has been that this account has been " verified '' as mine but shows no proof or  documentation showing that it is mine. It is my impression on FRCA that the account in question must show a/an signed document showing that in fact open the account ( i.e signature etc. ) I have gotten anything from Transunion proving the account is mine. There is no possible way that this account belongs to me.PLEASE HELP
Consumer complaint received 2017-08-17
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: EQUIFAX, INC. (CA)

I sent this company a dispute letter dated XXXX XXXX, 2017. Here I had pointed out some blatantly incorrect trade line information that my credit report contained. I waited the allotted 30 days only to find this company had not rectified my report. At this time I am reaching out to the CFPB and asking they investigate this company, as on the BBB website I have found thousands of complaint against this company where folks were suffering from the same mistreatment as I have.
Consumer complaint received 2017-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I contacted Trans Union at XXXX in good faith on multiple occasions and most recently on today X/XX/2017 @ XXXX to explain to them that I am aware that because of their computer glitch my inquiries were deleted from my credit profile and then without proper written notification were re-added to my credit report. This glitch was not my fault and was the error of Transunion. I am aware that it is against the law to re-add items that were deleted back to my credit report without informing me in writing 5 days prior to re-adding these items. This is a violation of my legal rights and legal protections and I demanded that all of the inquiries be removed from my credit reporting profile. I am hereby filing this complaint asking for the CFPB to assist me in getting this matter resolved promptly. These inquiries are causing a hardship and I am asking that Transunion remove all of them.
Consumer complaint received 2017-09-01
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: BARCLAYS BANK DELAWARE (TX)

I do not recognize nor did I authorize the following inquiries to be made : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2016-11-04
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (FL)

I took a loan online with Big Picture Loans for the amount of {$400.00}, I have paid till now {$800.00}, they have been charginger me {$200.00} every month for finance charges and noNE of this goes to the principal. I am not able to make this payment anymore. I 'm retired and thought that from this {$200.00} a month something will go to the principal, but this us not the case. Please stop these companies from abusing the people. THANKS!
Consumer complaint received 2021-11-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CO)

I am trying to pay off my loans. The math is not adding up between what I have paid where it was applies and what the remainder is. I have asked for a pay off letter and although I was given I do not agree. I have called several times since XX/XX/XXXX and still not getting someone to answer my questions. I continually get sent in circles and told that I should receive the document at the end of business. I am still waiting on several items that I was told on the XXXX that my document was in the system, I still have not been able to rectify the issue. 

made contact with them several times regarding the pay off amount.
Consumer complaint received 2022-02-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: GOLDMAN SACHS BANK USA (OR)

I ordered the new XXXX, but accidentally ordered the wrong one. 
I immediately contacted merchant ( XXXX ) Who canceled the order. 
The pending charge and associated payment plan has been pending on my account since purchase ( XX/XX/21 ) Goldman sachs refuses to drop the pending charge which maxes out my credit limit. 
I have personally been on the phone while XXXX reps tell goldman sachs reps that it was immediately cancelled.

Yet goldman sachs is holding my entire credit limit hostage. And they refuse to tell me when it will release. 
It has now been 60 days.
Consumer complaint received 2019-08-17
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: EQUIFAX, INC. (FL)

I contact Equifax regarding some fraudulent information on my credit and send all proof that I can to show that these accounts was in fact a fraud account including a FTC report and a police report from my local police still has of today no results
Consumer complaint received 2017-09-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (NY)

Please see attached dispute letter. 

Also, this account was previously deleted with XXXX XXXX Account Number XXXX ; XXXX XXXX, Account Number XXXX ; and XXXX XXXX XXXX XXXX Account Number XXXX. I am not sure why the account keeps getting resold when it was legally deleted from my credit report for violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Everyone I have disputed it with as deleted it because they have failed to provide proper validation and verification.