davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-22
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (NY)

Again, American Express ( Amex ) failed to follow their term in their letter dated XXXX/XXXX/2015 ( copy sent earlier ). All their past responses to this complaint are irresponsible. Therefore, I will continue to file this complaint until Amex becomes responsible and transfers the XXXX earned rewards points to my open Amex account. 

I am in full disagreement with Amex 's failure to transfer XXXX earned points from my closed Amex account # XXXX to my open Amex account # XXXX ( copies sent earlier ), because Amex stated in their XXXX/XXXX/2015 letter, " that as per the MR Terms and Conditions if you cancel your enrollment in the program and do n't keep open any American Express Cards, all points in your program account will be immediately forfeited ''. The key word in this quote is the word " any '', which pertains to my open Amex account # XXXX. On XXXX/XXXX/2015 I advised Amex in my letter ( copy sent earlier ) of this open Amex account. 

Amex needs to transfer my earned XXXX points to my open Amex account # XXXX per their terms and conditions. If then they are not in compliance with Federal banking laws.
Consumer complaint received 2015-09-22
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: TD BANK US HOLDING COMPANY (PA)

XXXX XXXX XXXX ( Mortgage Loan ) and TD Bank f/k/a XXXX did a loan with my fraudalent mortgage loan and TD Bank cashed my check to mortgage officer without my knowledge. I have submitted a civil lawsuit in 2012 and nothing has been done at all. 
No response, no action has been taken on the situation. The amount of the check was {$120000.00} ( supported document attached ). 
XXXX XXXX XXXX approved a loan that should of never been authorized by the false documentation submitted on the application. 
XXXX at XXXX XXXX XXXX XXXX XXXX Pa had felony convincts who were working undercover on the mortgage loans ( under house arrest ) without our knowledge and did ponzi schemes, wire fraud, mail fraud, money laundering, racketering, theft by deception, theft with dishonety, bad checks, theft by disposition of funds, ( XXXX ) this felony convinct has been caught in XXXX different counties if Pa. as well. 
XXXX XXXX XXXX XXXX ) same charges as well. 
XXXX XXXX XXXX & TD Bank have not responded with any remorse for their actiions.
Consumer complaint received 2024-10-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (LA)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2016-01-16
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have attempted numerous times to resolve this issue with Capital One. I have used their chat system, phone system, and direct mail requesting attention to and correction of the issue at hand. I am submitting this complaint as a last resort. 

I opened the Capital One Mastercard at hand on XXXX XXXX, XXXX. Several years ago I put the card aside in favor of another, leaving the account open paper statements and automated payments on, in case any charge was incorrectly billed, or a statement not received. I have not used the card in over 3 years. 

On XXXX XXXX, XXXX a charge of {$11.00} was erroneously submitted to my Capital One Mastercard. I was never alerted to the charge, never received a statement reflecting the charge, mailed or electronic, for the month it was billed, or the next. Capital One nonetheless added a late payment charge to my account, and then another, plus interest, while failing to send a statement or alert that there was a balance on the account. I received no phone call, email, or other contact. My contact information is and was correct and up to date. Similarly, my account had automatic payments setup to avoid such a situation, and no automatic payment was submitted or applied. I only learned of the balance from a credit monitoring service after Capital One reported negative information on my credit report. 

I take my credit, reported information, and scores very seriously. I am vigilant about paying my bills and always paying on time. I have XXXX negative items on my credit reports, that is, until XXXX XXXX, when Capital One incorrectly reported the above as a missed payment, to XXXX, XXXX, and XXXX. 

Even after being alerted to their error, Capital One refuses to do anything to correct the mistake. In fact they act intentionally to reaffirm the information they report, without reviewing that it is correct. 

Filing a dispute with the CRAs is useless. Capital One 's nvestigations into disputes are automated, include no human review, and rely solely on the self-reinforcing data they have previously provided. No actual verification takes place. Blanket, automated confirmations sent in response to disputes. Investigations and review of their responsibilities to furnish accurate and complete information are instant, and even take place on weekends and holidays during which Capital One business offices are closed. 

Capital One does not take seriously or respond to requests for review, completely disregarding their responsibilities and requirements as a furnisher of data to consumer reporting agencies. They have XXXX regard for the devastating financial and personal harms they have caused by incorrectly reporting negative information. 

I want to close my accounts and sever any and all relationships I have with Capital One, but am afraid that if I am to close my account they will never fix this issue. It is for this reason I turn to submitting a dispute, in the hope that the error is corrected on my credit report, and that Capital One does not continue doing this to others.
Consumer complaint received 2015-07-23
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (WA)

I paid off a credit card on XXXX/XXXX/2015. I received my next statement on XXXX/XXXX/2015. The statement shows my XXXX cash payments ( due to transaction limitation of online bill pay service ) The statement shows a previous balance of {$13000.00} It shows a payment/credit of {$13000.00} There were {$44.00} in purchases and an interest charge of $ XXXXXXXXIn the " interest charge '' portion of the statement, it shows a " Balance Subject To Interest Rate '' of {$4900.00} for an interest charge of $ XXXXXXXXWith a previous balance of {$13000.00} I did not understand the " Balance Subject to Interest Rate '' or how it was calculated. I called the bank and was told this was " Residual Interest '' or trailing interest. The bank further explained that the balance was a calculation of the average daily balance from when the account first started to carry a balance SEVERAL YEARS ago to the point when the account was paid off ( XXXX/XXXX/2015 ) My understanding of the recent credit card law changes was that this was illegal, in that, credit card companies were not allowed to calculate " trailing interest '' further back than the current billing cycle. In other words, it is illegal to calculate an average daily balance over the life of the card ( life of a balance carrying card )
Consumer complaint received 2015-07-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (TX)

I have disputed with the XXXX major credit bureaus online, verbally, and in writing related to negative items I believe are erroneous reported on my credit report. I have disputed the account information as inaccurate with XXXX, XXXX, and XXXX to send information that verifies the debt has not been paid. How is this possible? Under the consumer laws, I 'm unable to get them to send me a detailed invoice related to the amounts I owe. It 's very confusing as a consumer to continue to receive letter from several different collection agencies requesting me to pay the same debt for different amounts. I have uploaded the letter received related to a debt with XXXX, that 's been paid and resolved.
Consumer complaint received 2015-04-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (CA)

XXXX XXXX billed me for earned premium for coverage provided so I paid them directly but this credit collection company has continued to bill me and harass me for money that I have already paid. They have sent me multiple bills and even offered me a settlement. I called them to ask them about the balance and told them that I believed this was a scam they immediately hung up on me.
Consumer complaint received 2016-02-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (CA)

I HEREBY DECLARE MY INTENT TO SUE. 

Despite my previous mail correspondence, your institution has failed to investigate and rectify errors contained on my credit report. Thereby you have violated the Federal Credit Reporting Act, due to which I have lodged complaints with the Federal Trade Commission and the California XXXX. I am allowing you 30 days to rectify the erroneous information ; your failure to do so will result in my filing suit against your institution. 

INCORRECT TRADELINES : 1. Enhanced Recovery Company ( ERC ) -- -Ac # XXXX # XXXX ... This item is inaccurate because the creditor nor ERC furnished proof that this debt is mine. I am requesting that the item be deleted to correct the information and an updated credit report be sent to me. I am enclosing a recent credit report, which indicates that this account continues to reflect on my credit report. 

I intend to file a suit against Enhanced Recovery Company and XXXX XXXX XXXX in small claims for removal of erroneous information on my credit report. In your investigation, I respectfully request that you forward to me a description of the procedure used to determine the completeness of the item in question within 15 days of the completion of your re-investigation as required by the Fair Credit Reporting Act. 

I thank you for your consideration and cooperation. If you have any questions concerning this matter I can be reached at XXXX. 


Sincerely, XXXX XXXX
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2015-04-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credence Resource Management, LLC (FL)

Credence XXXX, GA, XXXX called me requesting personal information, like social security, home address, cell phone, when i ak, why ; they told me was for a unpaid bill for att uverse account, i told them, i never owned any account with XXXX, and to please tell me what information, they had on file. they refused to give me any information, they only wanted my social security and other personal information, prior to verifying the info. i off course hang up. 
then i received a letter stating if i did not respond within 30 days, the discput the validity. once i call, again, they need my name, sacial security numbers, i told them i provide the credence reference id :, but once again, they infomred me that i need to provide all information. 
i had my lawyer deal with the problem, but i fell this is illigal tatics in hope to obtaine personal information for them to potentially sell. 
i called att and they told me that the account look like a fictious XXXX account.
Consumer complaint received 2016-02-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo Home Mortgage claims a {$17.00} late fee for XXXX 2015 was never paid. I paid that fee plus {$0.00} in additional escrow as I specified on my mortgage stub. Bank then added them together and put {$17.00} in " Unapplied Funds '' claiming XXXX late fee was never paid. They use this tactic repeatedly to make it appear borrowers are in arrears falling 3 months behind in late fees so they can accelerate mortgage payment and/or begin foreclosure against borrowers.
Consumer complaint received 2024-08-26
Product: Credit reporting 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. (NJ)

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-07-23
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I applied to a refinance advertisement that was mailed to my address by Capital One Bank during XXXX 2015, with a coupon offer of $ XXXX credit towards closing cost. I called them and talked to XXXX XXXX XXXX, Loan officer @ XXXX. We negotiated to refinance my existing loan with XXXX XXXX XXXX at 3.15 % for fifteen years fixed. I locked in the rate and she mailed me the application package. I filled it, package with all the paper works, and gave them my credit card number for processing fee of @ XXXX to be charged after the loan has been approved and closed along with all other closing cost. I received an acknowledgement that they have received all the papers and my application is complete. We will close the loan on XXXX XXXX 2015. After couple of weeks XXXX XXXX XXXX called for some other papers to be signed and I complied with it. After my several call to XXXX XXXX, gave me the number of XXXX XXXX XXXX loan XXXX XXXX. 
After couple of weeks later when I called he said that my loan application has been cancelled due non compliance of their paper works in time. I told him that Capital One Bank has acknowledged me that they have received all paperwork and my application is complete. 
I told him, please let me know in writing that you are cancelling my application due to what ground and what further paperwork you need from me, so that I can comply with it. 
He never replied and after my repeated calls he is telling me since my original application is cancelled and he can not do anything, but he can offer me another refinance loan with a current rate which will be little higher. In the mean time they are holding my processing cost of $ XXXX and not answer my calls or emails at all. This complain is to intervene this matter with online Capital one bank to comply with the Federal fair lending acts. 
XXXX XXXX Loan No. XXXX. No. XXXX
Consumer complaint received 2016-02-22
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (MA)

Equifax , I just received a letter from my creditor XXXX Stating they are lowering my credit limit, They stated in the letter that Equifax provided them with this information, There is no reason to lower my credit limit for I have been making all payments also they lower my credit score bye XXXX points again for no reason, If anything at this point my credit limit should be going up, I find this most coincidental sins I am in the proses of challenging Equifax , also I find this most disturbing for this in my opinion is nothing more than retaliation. 


XXXX
Consumer complaint received 2016-02-19
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC (SC)

Contacted company requesting debt verification but company did not respond to request. I did not have an outstanding debt with XXXX. XXXX went into my account and took money and ended up having to give me a credit. They solicited me to get service back and I refused. Had no knowledge of debt.
Consumer complaint received 2016-01-17
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: General Motors Financial Company, Inc. (OK)

account has been closed and no amount is due, it is over 7 years, contacted the company my self and no help was received I was told I have to just let item fall off and they would not give me any further assistance on how to remove item from my credit
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENTITY THEFT.
Consumer complaint received 2015-11-13
Product: Prepaid card — Payroll card
Issue: Managing, opening, or closing account — 
Company: Neon Newco Corporation (MD)

I have direct deposit put on my card weekly. I tried to log into my account on line and there was a block put on my card. I received an email and a text about the block and called to inquire and get the block released. I have called this company FIVE times and keep getting agents that speak very broken XXXX who make me go through answering security questions before telling me they have to transfer me to their " Fraud '' department. I am literally put on hold for 20 minutes at a time and go into a voicemail asking me to leave a message and I will receive a call back the next business day. This is totally UNACCEPTABLE. A small portion of my paycheck is direct deposited weekly and I can not believe I can not get immediate assistance and access to my money.
Consumer complaint received 2015-07-07
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (OK)

Back in 2013 I filed for divorce and was awarded our home having XXXX children. I knew i had to change careers to earn more income so I did but it was still not enough because it was still XXXX income. I tried to refinance the home threw Wells Fargo and talked with XXXX XXXX there XXXX. After being behind 2 months during the process of applying I was able to save the money to catch up on my payments. XXXX XXXX advised me not too for the fact that the refinance committee would ask were the money came from and not to pay it. She urged me to stop paying all together. I followed her advice. Over a matter of weeks I followed all the instructions XXXX XXXX had given me. I only ask that as i try to make a quick sale that Wells Fargo will grant me 60 days additional for the sake of my XXXX daughter XXXX so this does not traumatize her. This has been an absolute nightmare for me to take on alone so that my children could focus on there studies.
Consumer complaint received 2016-02-21
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (MD)

The information associated with each electronic transaction is no longer enough to use for personal protection from fraud. For instance, an entry dated XXXX/XXXX/16 from my bank ( Wells Fargo ) that supposedly tells me what a debit card transaction was for, reads as follows : " PURCHASE AUTHORIZED ON XXXX XXXX XXXX XXXX MD XXXX CARD XXXX CATEGORY BOOKS/MAGAZINES/NEWS '' There is absolutely nothing in this entry that gives me a recognizable name of the business where the card was used. Further, I did not choose the category that was assigned. Nor is there a contact phone number, which used to be given as a matter of course. In other words, I have no way of checking whether this is a legitimate transaction or not. If I were to call the bank, which I have done on other occasions, they have no more information than is listed here. I have not disputed this entry because I remember that I purchased greeting cards on XXXX for a small amount of money. Greeting cards correspond to the assigned category, but the purchase was not in XXXX and there is no store name ( it was XXXX ), so I 'm really taking a leap of faith here. It 's not enough money to spend the time on disputing it. I 'm bringing it to you because it 's such a clear example of the problem I see. 

An entry that I did dispute last fall had the transaction categorized as a credit card payment to a company I did not have a credit card with. I eventually realized that the amount corresponded to an automatic transfer to a SAVINGS ACCOUNT at that company ( XXXX XXXX XXXX ). But Wells Fargo never was able to put that information together. I withdrew the dispute, but I was the one who figured it out, not them. Wells Fargo said they had no control over the information that came from XXXX XXXX. XXXX XXXX said they had no control over how Wells Fargo processed the information given to them. I wasted a lot of time on something that could have been a real problem, but obviously was n't if the correct facts were transferred from one bank to the other. 

I ca n't protect myself from fraud without facts. Do n't know if there are regulations associated with this issue, but if there are n't there should be. Please help!