davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-30
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY (MN)

XX/XX/XXXX Called American Express ( AMEX ) to cancel credit card. Was told to destroy cards. In subsequent phone conversations Amex claims no evidence of cancellation on this date. At this point our account balance was the annual fee of {$95.00}, due XX/XX/XXXX. 
XX/XX/XXXX Called AMEX again to enquire how to handle the current billing, an item that was not covered the previous day. Representative " XXXX '' advised not to pay current billing and that next billing would prorate the annual fee and the total billing would be $ XXXX {$8.00} ( XXXX ). 
XX/XX/XXXX Received another billing from AMEX. Included in bill was {$35.00} late fee. Called Amex again. " XXXX '' said I should call back in 3-5 business days. 
XX/XX/XXXX Again called AMEX, this time speaking with " XXXX ''. He stated the account showed a balance of $ XXXX {$8.00} and would show on the next statement. 

XX/XX/XXXX Another statement, another late fee. The balance is now {$150.00}. Called AMEX again in attempt to stop the same old runaround. " XXXX '' of AMEX stated the previous representatives had no authority to prorate the annual fee and that I had cancelled the card not on XX/XX/XXXX but on XX/XX/XXXX. She said she would check it out and get back to me in about XXXX business days. 
XX/XX/XXXX Fifteen business days after XX/XX/XXXX and have not heard back from Amex or " XXXX ''. Too, I have not contacted AMEX again. Sent complaint form to MN Attorney General, Consumer Services Division. 
XX/XX/XXXX Received another statement. Balance showing is now {$190.00}. 

Additional information : On XX/XX/XXXX XXXX submitted a charge to AMEX by me in the amount of {$18.00}. It is my opinion that this is a charge that AMEX should not have honored had they canceled the card on XXXX as requested, the date we were told to destroy our cards. The charge was subsequently credited back to my account on XX/XX/XXXX because the item was returned to XXXX. While I fully admit I had forgotten to inform XXXX the card had been canceled I charged the merchandise using XXXX 's 1-Click procedure. Therefore I would readily agree to the $ XXXX {$8.00} prorated AMEX annual charge. 

Attached : Copy of latest statement with closing date XX/XX/XXXX. 


I believe AMEX has internal problems with their customer service and should honor their verbal commitments of the $ XXXX {$8.00} charge and to rescind or cancel any items of delinquencies submitted to any credit service agencies or companies.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have fraudulent accounts on my credit report, which I reported to XXXX  XXXX XXXX, yet XXXX XXXX XXXX is not removing this fraudulent account. XXXX XXXX XXXXXXXX has no right to refuse to remove these fraudulent accounts because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than XXXX business days after date of receipt, yet XXXX XXXX has refused to do this. The followings are the fraudulent account : XXXX  XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3100.00} and XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$4600.00} that were opened at an address which I have never lived at and it has nothing to do with me. 
The fraud address is the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX.
Consumer complaint received 2017-03-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (OH)

On XX/XX/2017, I submitted a regular monthly payment ( actually it was {$0.00} above the monthly amount ). On XX/XX/2017, I made a secondary payment of {$50.00} and requested this to be allocated to the principal only ( it was written on the check ). I checked on XX/XX/2017 to confirm the allocation to principal. This second payment was not allocated to the principal, it was allocated to interest. I called to have Navient correct the payment. I was told over the phone that any additional payments would go towards interest only. I rebutted the issue. I saved up extra money this month to make this principal payment. I requested the call be escalated. After waiting over 30 minutes, the call was terminated by Navient. I have not been contacted as of yet. The second payment still shows as being allocated to interest.
Consumer complaint received 2017-02-07
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

Portfolio Recovery Associates LLC keeps sending me letters when I have written to them and advised that I do not owe them any money. They sent me a letter today staying they have purchased a debt of XXXX from XXXX. They said that the seller had provided an electronic file of business records that they consider verification of debt. Unfortunately I never entered into an agreement with this collection company or 3rd part company. I have reached out to XXXX and they can not provide me with a written signed contract because they said the debt is no longer in the database. By law I am only bound to pay a creditor when I have entered into an agreement with them. I do not know who portfolio Recovery is but they are trying to get me to pay a debt that I do not owe them. If they bought this debt without the signed contract that it is not my problem. I will not negotiate or pay a 3rd part collection company because they can not legally provide me a signed contract showing that I owe them anything. Their unwanted communication and threats are now past the point of trying to be reasonable. I am asking that a full investigation be done into their illegal attempts at collecting on a debt that I do not owe them.
Consumer complaint received 2017-02-07
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (CA)

Hello, you wonderful folks -- you helped me with a problem I had with XXXX a couple years ago. Right now I have a query about an XXXX card I stupidly took out to buy XXXX item, which cost maybe {$30.00}. The card is issued by Synchrony Bank. Well, I forgot to pay it off right away, got behind, and now I have late fees on top of late fees. I have already paid more than {$200.00} to XXXX, but because of the late fees I still owe {$260.00}! XXXX has now referred the account to XXXX for collection. I do n't dispute that I bear some responsibility in this, but is there a limit to how many late fees they can pile on? I would be happy to settle the bill for a portion of the {$260.00}, if they would agree to that. I also need to know if I should pay Synchrony or XXXX, because I 'm still getting bills from both. The only payment records I could find are from my attached bank statements -- XXXX is under XXXX, the other under Draft XXXX. But I believe I have made other payments.
Consumer complaint received 2023-10-30
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. (IL)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NCP Holdings, L.P. (SC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Consumer complaint received 2016-06-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (CA)

Dear Credit Reporting Agencies : XXXX has not removed their data from my credit reports yet ... They inserted a false debt that they could not validate and then quickly removed it COMPLETELY so that it was no longer recorded, along with an apology for placing it there. 
Then, ten months later, they reinserted the debt again. When I disputed through the Consumer Financial Protection Bureau, they said that it was 'accidentally ' placed back on and that they will quickly remove it, if I can give them the account number. 
I have provided this debt collector with everything needed in order to remove it completely from my credit reports ... it should n't even be listed under any status. It is not mine.
Consumer complaint received 2016-05-02
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (NY)

On or about XXXX/XXXX/2016 I had submitted a payment to Walmart but unbeknownst to me the payment was subsequently returned for lack of sufficient funds in my checking account when I was made aware of the problem which was four days after I immediately Submitted another payment which posted to my account successfully I then logged into my account to view my payment history and to my surprise without Prior Notice Synchrony Bank which is a Spin off and or Subsidiary of GE Capital Bank closed my account their reason being that this had been the second instance of a payment that was presented had been returned it should be of note that at the time the item was presented I had sufficient funds available to cover but it is my financial institution policy to pay at the their discretion if I did n't have enough to cover I spoke with an " Account Manger '' who at first said that there was nothing that she could do to reopen the account which turned out to be an outright lie because she further went on to say that the only way the account could be reopened was if i faxed and or snail mailed them correspondence from my Financial Institution stating that it was an error on their part i than received correspondence from Synchrony Bank dated XXXX/XXXX/2016 apologizing and that my account has been corrected and that I was a valued customer and they hoped that I continued to shop and or patronize them which I can not because my account remains closed this is in fact not the way you treat a " Valued Customer ''
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I strongly assert that it is unjust for me to be held accountable for these fraudulent accounts. I urgently request that you take immediate action to rectify this mistake and absolve me of any responsibility. It is crucial that you investigate this matter thoroughly and promptly correct the error. Your prompt attention to this issue is greatly appreciated.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (SC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Consumer complaint received 2016-09-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

Police report and supporting documentation were sent to all XXXX credit reporting bureaus regarding identity theft and fraud that has lead to derogatory information on my credit reports. I have since received a response of all XXXX credit reporting agencies notating refusal to cooperate. My attorney sent a letter demanding the cooperation of the XXXX credit reporting bureaus under Fair Credit Reporting Act ( FCRA ). I have also sent a notarized statement with color certified true copies of my Social Security card and drivers license, along with a copy of the letter from the attorney. XXXX reports additional delays at removal, even though my first request for removal of the inaccurate information was 5 months ago ( in XXXX of this year ). Equifax refuses to update my information because my correct Drivers License does not match their incorrect records. XXXX has not responded, indicating their refusal to cooperate with FCRA. Under FCRA, identity theft victims have additional rights, and I may seek damages from violators. I am already suffering damages in the form of increased rent, increased insurance costs, and denial from continuing my college program ( financial aid ) until the inaccurate derogatory information is removed. This has already been going on for six months, and I have already made repeated requests to all XXXX credit reporting bureaus to remove the inaccurate information. Given my small XXXX insurance income, these delays from the credit reporting bureaus pose undue hardship to me. Further, expenses to seek damages from the credit reporting bureaus in federal court would be punitive, posing additional undue hardship. I request assistance in removing the incorrect information and seeking punitive triple damages from the credit reporting bureaus.
Consumer complaint received 2017-02-22
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: ENCORE CAPITAL GROUP INC. (TX)

I received by mail a letter from Midland Credit Management Inc. that a judgement was entered against me on XXXX/XXXX/2016 for the amount of {$1700.00}. The letter reads that a judgment remains unsatisfied, and that I must disclose my finances to them. I was never served a lawsuit. I have looked up my county records, and see now prior or current lawsuits.
Consumer complaint received 2016-06-06
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was given a equity loan 10 and a half years ago were I was to pay interest only. I have done this on time for all this time. The bank half a year ago told me I was after the 10 years to pay them principle and the interest. I am willing to do this but the principle they want me to pay is much more my wife and I can afford. We are in our XXXX and live on social security and a part time job. After talking to a government foundation who tried to help us for over 4 months they the foundation told us we should file bankrupty before the bank as treatened foreclosure on our home for over 35 years. Please help.
Consumer complaint received 2017-02-07
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (AZ)

I made a purchase online on XX/XX/2016 from XXXX in XXXX. My credit card was charged the day I made the purchase. I cancelled the order on XX/XX/2016, at that point no goods had been shipped to me. On XX/XX/2016 I disputed the charge with my credit card company Citibank. Citibank placed the money back in my account. Then on XX/XX/2016 Citi reversed the credit because they claim the merchant refuted the dispute. The merchants response that Citi forwarded to me is simply the merchants return policy, it has nothing to do with this specific case. I have contacted the merchant several times and they claim they did not refute this claim. They have attempted several times to refund the charge. I have talked to the Citibank dispute department multiple times and they say that it is up to the merchant to refund the money, there is nothing they can do. 
On XX/XX/2017 I filed a complaint regarding the merchant with the XXXX of XXXX concerning this claim ( ID XXXX ). The merchants response to the XXXX was " I have talked to this customer multiple times and explained that I am not able to refund this transaction because he filed a chargeback with the credit card company and the money has been taken from us already. This is something he needs to work with his credit card company on. I have talked to our processor and there is nothing we can do. It is out of our hands. '' Based on this it appears that Citibank withdrew the money from the vendor yet did not provide a refund to me. Citibank continues to tell me there is nothing they can do.
Consumer complaint received 2023-07-13
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. (NY)

I filed a complaint on XX/XX/2023 ( XXXX ) about TransUnion 's failure to remove 4 hard inquiries from my credit report. 
After doing nothing for approximately 45 days, they responded with this nonsense : " After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. In order to complete your request, we need to verify your identity. We sent you a letter to request proof of your Social Security Number that included a list of acceptable documents and provided instructions on where to send it. '' Their response is absurd but, to add insult to injury, as of today, XX/XX/2023, I have not received their letter. 

The CFPB, theoretically functioning to protect the interest of consumers, has done absolutely nothing. 

Although I don't anticipate a response, I have sent copies of the original complaint and this one to the New York State Attorney General 's Office.
Consumer complaint received 2016-10-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (ID)

On XXXX/XXXX/2006 I bought my home, the 30 yr. loan amount was for {$160000.00}. Ten years later I still owe {$160000.00} after paying over {$100000.00}. A few years back I had some heath issues and fell behind in payments and Wells Fargo offered me a modification which also extended the loan to forty years. I was on XXXX at the time but was desperate to save my home. After my head cleared and it set in what I had done I figured that was that. With Wells Fargo being accused of so many shady practices I thought that I would check to see if I had any options. Any help would be much appreciated.
Consumer complaint received 2023-07-13
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. (NC)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

During Covid, I received a voice-mail stating they could help me with my credit card debt. A number was provided. I called. I was tricked and manipulated and mislead about the reason they contacted me. I called and spoke to a representative that stated an offer to help pay down my credit card debt fasted but I found out they were using unfair business practices. At the end of the dialogue I was lead to believe that my interest rate would be lower with this offer and that if agreed, it would be paid off in half the time originally agreed. So I agree to this wonderful offer, or so I thought. 
What I learned immediately after was that I could not using any of my cards, all active and all had credit available to use. 
When I called back after speaking with multiple people, I was told that was the stipulations to be a part of the program. I went to my nearest Bank of America and they themselves could not understand why I was no longer able to use my cards. XXXX representative even stated, XXXX XXXX still have available credit on both cards but nothing changed. They closed down my credit cards and is now on my credit report. 
What's even sadded is, BOA goes through these events of being sued by people and the courts. 
Not good business. I will never ever again be a BOA customer again!
Consumer complaint received 2017-02-21
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Oracle Financial Group LLC. (VA)

I received a call from number XXXX from XXXX. He left a voicemail saying a case was being filed under the county I live in.He did not provide the name of the original creditor that was collecting on this account. He said he was legally notifying me by phone and that I would need to call XXXX to speak to someone before the case was filed. He said if I did n't call the XXXX number, the case would be dispersed from their office. He also stated that, unless otherwise noted, I would be located and the matter would become a public record. He did not leave me the name of the company or that this was an attempt to collect a debt. When I call the XXXX number back, there was a recording for Oracle Financial Group. I have never received any correspondence by mail from this company or any other phone calls beside the one I received today. The call sounded very threatening.
Consumer complaint received 2023-07-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (PA)

I suffered from a very horrible up hill battle of identity theft. Everything from home utilities to credit cards. JEFFERSON CAPITAL SYSTEM continuously places a fraudulent debt on my credit report when they company was notified of this being fraudulent. I have filed a ftc and police report 3 to 5 years ago, and this did not slow them down. It's almost like this debt company is ran in automation without any human dignity or interaction. They re opened the debt XX/XX/2021. It was previously removed from a different debt collector. Now Jefferson capital starts this over.