davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (VA)

You have refused to answer any of the questions. The letter that you received from my wife was from a nasty divorce. Even in the letter which has been subpoenaed from XXXX it admits that her son made the charges. This is against the American Ex press terms. Only people on the card can use it. So everything youve listed isnt correct. 

1. This was fraud. You have not shown me any receipt s that indicate its not fraud.

2. The letter was a year after the case was closed. I was refunded the fraud which you investigated yourself. 

3. I have not made any charges since XXXX 2016. 
4. My wife and I are going through a nasty divorce and she collected half of the refund for the fraud. Knowing the card account is in my name why else would she do this a year later. 
5. Show me proof of all the receipts and signatures. 

6. Youve not answered one question Ive asked from you when this was submitted. 
7. The numbers are all wrong. I was refunded XXXX. You said I owed XXXX and now its XXXX. 

8. My lawyer has subpoenaed the documentation and youre leav8ng me with no choice but to sue for damages. 

9. Respond to one question. FTC clearly states you have 2 billing cycles or 90 days. Answer how this was handled within that time period. 

I want your response to be give to a supervisor because Im XXXX and on the phone you threatened me to ruin my credit if I didnt pay. I fall under the Americans with XXXX act and you know that and thats why youre doing this to me. 



My requested resolutions are as follows -- 1 ) In accordance with the FTC, you have two billing cycles or ninety days, whichever comes sooner, to remove the fraud from my account ending XXXX. You did this and then you turned around nearly a year later and charge me back for a supposedly RESOLVED case because of a letter from my soon to be ex-wife stating now that the charges were valid all because I believe it is due to a nasty divorce situation. 
2 ) I want my account resolved to a {$0.00} balance 3 ) I want the credit reporting agencies that you reported negative information to, to be CORRECTED stating there is no debt on my account and that there is a {$0.00} balance, and have paid as agreed.
Consumer complaint received 2017-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

To whom it may concern, On or about XX/XX/XXXX I discovered that TransUnion was still reporting an alleged Bankruptcy on my credit report known as : BANKRUPTCY CHAPTER XXXX-FILED, XX/XX/XXXX, {$0.00}, XXXX, FEDERAL DISTRICT, no further information was being reported at that time, no name, no address, no amount, no social security number, no date of birth as required. 

There is NO mentioned whether this alleged Bankruptcy was dismissed or discharged which clearly proves it is an incomplete filing therefore violating both State and Federal Law. 

On XX/XX/XXXX I sent TransUnion a letter ( see attached ) using Certified Mail and not only disputing this erroneous filing I requested validation of where the information came from in the first place and that it be validated with the Court who is the ONLY ones who can legally validate supplying first hand information. 

The response I received from TransUnion was they verified it with XXXX XXXX a 3rd party. I contacted XXXX XXXX and they replied telling me that there is NO information in their system with regard to this alleged Bankruptcy ( see enclosed letter from XXXX XXXX ). It 's important to note here that NONE of the other Credit Bureaus are reporting this erroneous reporting ( see attached Credit Reports from XXXX & XXXX ). 

In the event I need to file a Federal Law Suit in order to get TransUnion to remove this erroneous filing I thought it wise to contact the Federal Bankruptcy Court to see what their policy and procedures are when supplying information to TransUnion and their reply letter to me was very clear that they DO NOT supply TransUnion with any information. 

On XX/XX/XXXX the ( 3 ) main reporting Bureaus, XX/XX/XXXX, XX/XX/XXXXand TransUnion as part of a settlement with several Attorney Generals throughout the Country agreed to insure accurate and complete reporting including, name, address, social security number, date of birth and were ordered to delete any files that were not in compliance. 

Based on all of the above mentioned requirements and based on the fact that there is nothing saying whether this alleged Bankruptcy was discharge or dismissed nor is there a dollar amount which is also required I respectively demand that TransUnion delete this erroneous filing and send me a letter of that deletion for my files. 

Thank you for your kind consideration. 

Respectively, XXXX XXXX
Consumer complaint received 2017-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I have made a dispute concerning the adverse accounts that should be removed from my credit report as per FCRA. Neither the creditor or the credit reporting agency will remove the items disputed. These items disputed are either fraudulent and or unverifiable and no proof has been give regarding the accuracy of the items. 

Remove : XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX
Consumer complaint received 2017-03-04
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Collection Bureau of the Hudson Valley, Inc. (TN)

i have paid the debt 2 months ago and XXXX continues to report a paid debt to different collection agencies. claiming a paid debt is still due. i have receipts showing it was paid, they send it to collection agencies.
Consumer complaint received 2017-12-18
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: FC HoldCo LLC (GA)

On XX/XX/2017, I received a message on XXXX XXXX from an acquaintance that I really do n't know. She explained that a XXXX XXXX contacted her on XXXX and noticed that we were friends. My friend and XXXX XXXX used to work together. XXXX is an agent at XXXX XXXX XXXX. She sent my friend a message stating : " Hey girl, sorry to bother you but you are friends with one of my potential charge off at XXXX XXXX XXXX XXXX XXXX XXXX ... can you get her a message to call me XXXX tell her i will help her ... if you do n't mind..Thanks girl '' She has also attempted to friend me on XXXX under an assumed name, XXXX XXXX, with explicit pictures. The background photo matches the photo on her real XXXX page which is how I know now that it is her. ( I did n't know a " XXXX XXXX '' so I did n't accept the friend request. ) She is stalking me and I have no idea how many other friends she has contacted sharing my personal information. I feel very threatened! I manage a XXXX XXXXr and any agent who compromised XXXX  compliance would be terminated immediately!
Consumer complaint received 2017-12-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Ditech Financial LLC (FL)

In XXXX XXXX 1990 I 've purchase a mobile home and finance it thru XXXX XXXX XXXX located in XXXX XXXX XXXX for 20 years, when the loan was paid in full they were supposed to send me a tittle, never received any documents from this company, now few years later I 'm trying to sell my mobile home to find out that Greentree still as a lien holder on my property that was fully paid long time ago, After many many phone calls to Greentree ( now Ditech ) finally got some documents but they are photo copies and the lien satisfaction letter is not an official form signed by this company even though Ive faxed the form to them the DMV can not process a transfer without the original title and a lien satisfaction form, I 'm tired to called them without results, I need some help so i can transfer the property to the buyer they told me to go to the DMV that there is not issues but the DMV tell me different and in the mean time there is not solution.!!
Consumer complaint received 2015-08-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WASHINGTON FEDERAL BANK (WA)

I took out a construction loan to be converted into fixed rate mortgage loan in XXXX XXXX. In XXXX XXXX, I received a letter from Washington Federal that my mortgage rate will be a fixed at 4.875 % for 30 years with a 1 % pre-payment penalty provision prior to XXXX XXXX. I sent them a letter explaining that I was offered, in open market, a 30-year-fixed-rate of 3.75 % -- and with XXXX-fees-or-costs. 
When I signed the initial papers in XX/XX/XXXX I was told that the bank would be able to match market-rates for fixed-rate-mortgage in the future. But the bank refused to match the new rate, despite their initial verbal promises. I was left with a choice of paying nearly 1 % higher rate to Washington Federal for next 30 years to save the 1 % penalty, or paying 1 % penalty and saving 1 % yearly for next XXXX years, by refinancing elsewhere. The decision had to be immediate because the rates can change rapidly. 
I had to pay 1 % penalty to Washington Federal to get a 1 % lower fixed-rate for XXXX years. This was completely unnecessary if they had followed through on their initial promise that they would match market rates for fixed rate mortgage to avoid refinancing.
Consumer complaint received 2016-06-01
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XX/XX/XXXX Capital one auto took our Vehicle, During the agreement that I thought we had and was waiting for documents in the mail, as we modified our terms due to a death in the family, as they possession of the Vehicle we had attempted to speak to anyone at Capital -one to find out how we can recover our Truck back, we were never given any correct answers to this or even where the Vehicle had been taken, we were told we would receive a call back or letter in the mail, so we needed to wait, i called a week later and was told by another person, someone from the repo dept will be in touch I made it clear we also had personal belongings in their and items my husband needed for work that this was very important, 2 more weeks went by and now i have NYS dmv asking me for the plates, How can i return plates back when no-body will tell us where the truck is and why cant we pay and have it back, as we continue to try to get answers we find out our license is now suspended in NYS due to the plates, we are now in XX/XX/XXXX and I can say we are still waiting for this so called certification letter, or Phone call, never knew they sold my vehicle, Nothing absolutely not one correspondence from them via phone, Email, or certified letter. We decide we are going to buy a home this year to find out capital one is on our credit report with this enormous amount of money they are trying to collect during a charge off, I have been disputing this with all XXXX CRA and the company, on mine and my Husbands reports, How does Capital one keep Validating this charge, When i could n't get a time or day with them, to fix this problem XX/XX/XXXX and now they want over {$9.00} for a vehicle they would n't let us have back after an agreed modification, Where are our rights, The CRA claim there rights with FCRA, Then when i dispute it again, the CRA come back saying there not on my report and they close it, following month they reappear on our reports Where are our rights with this company '' this game playing is for children '' and i have no time for this I have been requesting for years, and even more now, I want to see CERTIFIED ( copies ) of all mailings they have sent to us giving us a chance to pay arrears ( even thou they did a modification with us ) or getting our belongings what did they sell our vehicle for? where was it? where is our belongings? we have no answers I have months years of paper trail, with no responses other than from the CRA saying it remains on the credit reports PLEASE HELP!
Consumer complaint received 2016-06-01
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (FL)

I applied for an XXXX XXXX XXXX XXXX card in XX/XX/XXXX after seeing an advertisement on the company website in XX/XX/XXXX. The ad stated XXXX bonus points after spending {$1000.00} in first 90 days. I made {$1000.00} purchase within 30 days. When I called AMEX for the bonus XX/XX/XXXX, I was told, it will appear in my statement. It did n't show in my statement. I called AMEX today and was told that I had a similar card in XX/XX/XXXX that was cancelled in XX/XX/XXXX. The fact is the card was cancelled in XX/XX/XXXX. I am concerned that if AMEX ca n't keep track of the accounts, it does n't give me a good feeling about the security and reliability of their products. This is not an isolated incidence. There are other serious issues also with AMEX cards, one of them being canceling the card without customer authorization or discussing with the customer. I would like CFPB to do further investigation into the IT systems and processes of AMEX that leads to such issues.
Consumer complaint received 2016-06-01
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (OH)

XXXX XXXX accepted my credit during the holiday season and I opened a credit card with them. 

I paid my credit card on time and the card was current. 

They closed the card because they " re-reviewed '' my application 6 months later and decided to close my account. 

My credit had actually been higher, and by them closing it for no real reason they now lowered my credit score.
Consumer complaint received 2016-06-01
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Great American Finance Co (CA)

Great American Finance Company is horrible to say the least I have never missed a payment when I open the account and made all my payments up to date. I went online and made my payments always. In XXXX XXXX I notice the company report a 30 day late when I was not late, I called them to discuss the issue and they stated that its because I had not full paid my total due in XXXX XXXX, I then explained the issues and also stated that I was never informed that I had a late payment in XXXX XXXX, in which GAFCO stated that it was a late fee that just kept on adding up. I explained that was very deceptive and misleading and sent several letters to the Manager and still no response not even a call back. I spoke with a Customer Service Representative who stated that she would look into the matter and correct the late payment. GAFCO never corrected the late payment then in error they placed another late payment for the month of XXXX XXXX in which again I called to dispute the matter and even stated that how could I be late when I paid up to 3 months in advance in XXXX XXXX. I was very frustrated after that and got the Attorney General involved and now they continue to report " Account Charge off '' on my credit bureaus for the last 6 months. The same account they have reported as a " charge off " for the last 6 months, which puts a negative hit on my CRA just to lower my scores. Great American Finance Company has continued to the FDCPA 807. False or misleading representations. As they continue to violated federal law, by not False and misleading information provided to the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. 
I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act
Consumer complaint received 2018-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (CA)

Chase Credit Card Company. 

My closing date for the period was XX/XX/2018. Payment of {$6600.00} was due XX/XX/2018. I had enrolled in online auto payment of full amount. On XX/XX/2018 I purchased something at XXXX XXXX for {$100.00} and returned it two days later. On XX/XX/2018 I received credit from XXXX XXXX for the full amount of {$100.00}. On XX/XX/2018 they deducted {$6500.00} from my checking account for the auto pay ( full amount minus a XXXX XXXX credit ). I had attempted to modify this payment so that it would deduct the full {$6600.00} that should have been deducted. Due to some technical errors they deducted both XXXX and {$6600.00} from my checking account ( the current month balance was approximately {$3000.00} therefore I was in the plus over {$3000.00} on the account ). 

If there are protections in place to force me to stay within my credit limit ( a hold is taken against my credit before the transaction posts ) then I believe there should be protections in place that prevent me from paying twice. They need to take a hold against any payments that would allow me to double pay my account and prevent me from paying twice or overpaying. It is ridiculous that they have a process in place to protect themselves from the consumer over using credit ( their detriment ) but nothing in place to protect the consumer from over paying ( their benefit ). 

I only asked them to change their practices to prevent future harm to consumers but I was scoffed at and belittled. Please, you are the only people who have the power to help me change this unfair practice by Chase Credit Card.
Consumer complaint received 2016-06-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (PA)

I have been working very hard to repair my credit with all XXXX agencies for two years! I have called, written, disputed and have completed everything all XXXX agencies have asked. I contacted XXXX XXXX and decided not to use their services as I have been following the exact practices myself. I have opened new accounts and all are paid as agreed. I have had derogatory items removed from all XXXX reports. I currently only have XXXX derogatory accounts on my report, and XXXX are medical, with a total balance of under {$2500.00}. 
I have been watching my scores using the Annual Credit Report, XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX through XXXX XXXX. 
After all of this, my score has increased only XXXX points! It hovers around XXXX and will change up to XXXX points per month without any additional credit activity. I feel all XXXX agencies are not giving me the attention deserved and are preventing me from purchasing a home and acquiring credit. 
I have reached my boiling as Every time I complete a task they require to raise my score, another issue seems to appear to prevent the increase. 
Any help will be much appreciated. 
Thank You. 

XXXX
Consumer complaint received 2016-06-01
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (NJ)

Auto lease matured in XXXX XXXX and I extended for 6 months. Since the inception of the auto lease, I had automatic deductions made by Acura Financing with no problems. In XXXX XXXX, I extended the lease for another 6 months. In XXXX XXXX, I noticed that Acura Financing did not take out the payment for XXXX XXXX, XXXX and I contacted them on XXXX XXXX, XXXX and they told me I had to sign an extension form and fax and auto payment would resume, which I did. I manually paid XXXX payment on XXXX XXXX, XXXX. Yesterday, I received a call from Acura Financing that XXXX and XXXX payments were not made. I went onto my bank site and determined that was correct, payment was not made. I asked XXXX XXXX why they did not resume auto payments after my discussion on XXXX XXXX, XXXX. The representative from Acura Financing could not explain and read the notes from my previous conversations with Acura Financing ( when I was less then 30 days delinquent ) and could not explain why payments did not resume, especially since this issue did not occur on my first extension AND I called Acura Financing to rectify the issue in XXXX XXXX ( which was not done ). Acura Financing has my email address and I 'm not certain why they did n't email me immediately when the payment was not made. Having auto payments for 4 years stop with no notification from Acura AND for Acura not to notify me of an issue is not acceptable. I have checked my credit reports and they all show that I paid 48 months without incident and that effective XXXX XXXX my account is greater than 30 days past due. The non-payment is due to Acura 's error AND having my email address, I would expect when I am one day late, that I receive an email from them. 
Please also note that I have not had use of my car because of the XXXX airbag recall and Acura supplied me with a stripped down Jeep Patriot rental in lieu of my Acura RDX - so that is further insult to injury. I 'm leasing an Acura RDX, but driving a Jeep Patriot. Something is not right here.
Consumer complaint received 2016-06-01
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (CA)

I paid my vehicle loan in full, never late, paid in full, a few years earlier than it was supposed to be. Since I paid it in full, WFAuto Finance, has reported that I was XX/XX/2016 ( I paid in full on XXXX/XXXX/16 ). After I disputed, WFAuto changed it from XX/XX/2016 to XX/XX/2016. I disputed again, and they moved the late to XX/XX/XXXX and XX/XX/2016!
Consumer complaint received 2016-06-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

bank of america lied to us about doing a home loan modification .we were told at the very begining of the process that our interest rate would be lowered.and it would save us money each month.but actually what they done was add 20 more years to a mortgage the we owed 20 years on so this put us owing 40 years total and only saved us about XXXX dollars a month .they told us we had to sign the paperwork or they would foreclose on the house.during the process they told not to make a house payment until we was approved .so afterwards now we are 4 months behind i kept telling them if this was going to add years to our mortgage i didnt want it but they insisted they would lower our interest rate they lied to us and forced us to sign or said they would start foreclosure procedures on us.this is so ridicous who would ever do a home loan modificatin to save XXXX dollars a month to add 20 years to their mortgage .i looked it uo and online alot of people are complaining about bank of america home loan program .im also contacting the attorney general here in tennessee and filed a complaint with the XXXX.we also will be seeking a attorney on this matter.its not fair to lie to someone like that. if they would have been truthful from the start i would never had started the loan modification .i think the federal government also needs to look into this since bank of america took the bail out and not trying to help consumers but punish them.
Consumer complaint received 2016-06-01
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Roosen, Varchetti & Olivier, PLLC (MI)

I have a judgement against me concerning an auto accident I had and the law firm has garnished my wages so the debt is being paid. My complaint is that the law firm is n't reporting the payments to the credit agencies.