davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2015-07-07
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY (CA)

I have attempted XXXX times ( First request XXXX/XXXX/15. Last request XXXX/XXXX/15 ) to change the business name on my American Express XXXX XXXX card by online chat and phone. I was changing from a sole proprietorship to another sole proprietorship, so it should n't have required much new information. XXXX times, I had been assured that the changes have been made and I could expect a new card in the mail with the new business name within 7-10 business days. This has not happened. 

Also, I had recently received a new card due to fraudulent activity on my account. Since then I have been having great difficulty verifying my account. XXXX out of the XXXX times I 've contacted Customer Service, I 've been told to have the primary account holder make the business name change requested, however I am the primary and only user on the account. I suppose there may be some confusion because my XXXX name is on the account and my shortened first name is on the credit card, but it 's like confusing the difference between XXXX and XXXX. XXXX and XXXX. XXXX and XXXX. I would assume they would have the common sense to know that the XXXX names belong to XXXX and the same person. It 's terribly frustrating. When asked what needs to happen to avoid this in the future, I 'm offered no solutions. 

When asked what is preventing me from making the business name change on the account they place me on hold or reply in the chat to 'wait one moment ' but all I 'm told is that the changes have been made when it has n't.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2016-01-16
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL (IL)

I have an Amazon credit card issued by Synchrony Bank. I am trying to understand payment allocation and interest application policies used for this account but online information and customer service were not helpful. 

The website offers XXXX payment allocation methods. The standard, option 1, applies payment amounts in addition to the minimum payment to interest accruing, non-promotional balances first and then promotional balances ... except in the last two months of an expiring promotion where anything in excess of the minimum gets applied to the expiring promo balance. Option 2 applies the ENTIRE payment, including minimum payment, to non-interest accruing promo balances. Option 3 seems to do the same thing as option 1. 

My questions are : 1. How is option 1 different than option 3? 
2. How is the minimum payment calculated and applied for each allocation method? 
3. In a statement period where I have a non-promotional balance AND ALSO an expiring promotion, how do I calculate the payment amount required to pay off the expiring promo balance in full and also the non-promotional balance such that no interest is charged on either. 

4. In the above scenario, which payment allocation option would be most suitable if the goal is to not pay any interest?
Consumer complaint received 2015-07-24
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (IL)

On XXXX XXXX I was traveling with XXXX XXXX on a ZED standby ticket. I attempted to access the XXXX XXXX XXXX XXXX mins before my flight. The XXXX agent working the XXXX XXXX check-in did not know the policy about Citi XXXX standby tickets and went above and beyond her duties to call the Citi XXXX customer service number on the back of my card to speak with Citi to determine if I should have access. The Citi representative gave false information to the XXXX agent about the eligibility of standby tickets and XXXX refused to grant me access to the club. Clearly in the terms and conditions of the Citi XXXX card it says " XXXX cardmembers must present a stand-by ticket or boarding pass, showing an XXXX, XXXX XXXX XXXX , XXXX, or an XXXX Connection carrier flight number, valid for travel on such flight. ''
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 was paid
Company: USA DISCOUNTERS LTD (NC)

I had an account with USA Discounter/ USA Living in XXXX that was discharged. Today, XXXX XXXX XXXX, an employee from USA Discounter called in an attempt to extract money from me. I told this employee that I did not and have not had a account with them and no money was owed to them. The employee was vet aggressive in trying to infer I owed money. I finally hung up on him. How is it possible that this company is still in business and trying to collect money from prior account holders with no money owed.
Consumer complaint received 2016-02-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX/XXXX/XXXX Complaint Department TransUnion Consumer Relations XXXX XXXX XXXX, PA XXXX I am writing to dispute the following information that your company provided to XXXX my Report number is XXXX on XXXX XXXX, XXXX I have circled the items I dispute on the attached copy of the credit report I received. 
This item Federal loan services Credit Account Number : XXXX .... 
Date Opened : XXXX Status : Transferred, closed. Account Number : XXXX ... Date Opened : XXXX Status : Transferred, closed. 
Account Number : XXXX. Date Opened : XXXX Status : Transferred, closed. 
These above accounts are been rehabilitated according to the department of education Account Number : XXXX Date Opened : XXXX Status : Open/Never late Account Number : XXXX Date Opened : XXXX Status : Open/Never late Account Number : XXXX ... Date Opened : XXXX Status : Open/Never late. 
Further more I have contacted federal student loan my account number with the department of education. XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX XXXX ) my account is XXXX. 
According to the department of education the above duplicate accounts listed ( XXXX ) should be removed. The department of education further reports that credit bureaus should contact the department of education while these items was disputed. While the credit bureaus never contacted the department of education, provided me the letter as evidence mail to Experian.com. according to the department of education these items should be removed. 
Furthermore Account Number : XXXX .... Date Opened : XXXX I have contacted the company and they told us that I do n't have any account with them and while this was disputed XXXX never contacted them all. 
I am requesting that XXXX have the item ( s ) removed to correct the information. 
On my credit report there are several information that is wrong including my name. 
I have enclosed copy of my U.S passport and driving lic, as evidence that I have XXXX single name. supporting my position. Please reinvestigate this [ these ] matter [ s ] and contact the national credit reporting companies to which you provided this information to have them deleted the disputed item [ s ] as soon as possible. 
Sincerely, XXXX XXXX XXXX, XXXX. 
XXXX
Consumer complaint received 2015-07-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX found identity theft occurred. An Investigation Letter will be mailed to me showing the charges made under my name and SS were fraudulent. 
I will receive a Fact Act request in the mail to fill out to obtain the details of the identity theft. 
Details of fraud. Account opened XXXX XXXX online using my social security number for purchases totaling {$920.00} under the edge program. Under the edge program items are billed to the recipient. The goods consisted of XXXX 5s iPhones and other merchandise. 
The merchandise was delivered to an address in my City and signed for. 
The unpaid items were turned into the credit card reporting agencies as delinquent XXXX XXXX 2015 for {$920.00}.
Consumer complaint received 2016-03-23
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: WELLS FARGO & COMPANY (CA)

The credit line on my Wells Fargo visa was lowered from XXXX to XXXX because my credit bureau report in XXXX 2016, showed unusually high balances. However, all of these balances have been paid off in full or were due to fraudulent activity on my credit cards. My credit bureau report as of now shows ZERO balance due on ALL my credit cards ; my credit shows PERFECT now as it should. It is not right that Wells Fargo should penalize me by lowering my credit line due to unauthorized fraudulent activity out of my control that showed temporarily on my credit bureau reports. There are fraud alerts on all XXXX of my credit bureaus now to prevent this from happening again. My credit bureaus shows perfect again with XXXX balance due on all my credit cards. I request that in fairness Wells Fargo reinstate my proper credit line of at least {$10000.00}.
Consumer complaint received 2015-04-24
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (WI)

I told the creditor that I would get them money when I had money, and they have called up to XXXX times a day while I was trying to sleep. ( I work XXXX shift ) I am trying to figure out a way to take care of the debt, but I am not going to be treated like garbage.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

Carefully read my complaint as I need immediate action regarding this. An item that has resulted from fraud which I never benefitted from still appears on my report, it is already deleted by both XXXX and XXXX yet you continue to put this false and fraudulent information on my credit. This is incredibly insulting and a defamation of my character, it's stressing me out knowing that my rights are being violated as a consumer. This is already reported to the Federal Trade Commission but nothing is removed.
Consumer complaint received 2015-07-24
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (VT)

I 've had several issues with Navient. I took out my loan with XXXX XXXX in 2011 as a XXXX study loan. The problems started with XXXX XXXX and continue with Navient who took over my loan at some point and I was never informed until way after the fact. 

Since I opened the account I 've got little to no information about my loan. I 'm getting infrequent information and mixed messages about the actual amount I owe. I keep getting letters telling me to sign into an account I never set up to see something from them. I do n't have an online account so I have no way of accessing the information. I get almost no mail from them in fact for over 2 years I received absolutely no mail from them. This month I got my first letter from them that actually has an account number on it since they switched my account to Navient. Prior to which I could n't pay my account via my banks bill pay. In the past 2 years I 've literally only gotten XXXX bills sent to me with payment amounts. 

I 've asked to receive my corespondence by mail. Still I get e-mails telling me to check an account that I did n't make and ca n't open and no useful corespondence. 

I also have informed them several times of my new married name and they have made no attempts to correct it on their records. the few letters I do receive are incorrectly addressed. 

Furthermore from time to time I will receive persistent harassing phone calls from them. From early in the morning ( some as early as XXXX I believe ) to late at night they will often call me 6 or more times in a day everyday for months straight. I wo n't be able to identify who is calling so I never pick up but the voicemails are all recorded messages Identifying themselves as Navient employees. There are XXXX-XXXX different versions but it is always the exact same messages name plus company and phone number. The messages were exactly the same when it was XXXX XXXX as well including the names of the employees but with the company being XXXX XXXX not Navient. 

Finally the few times I have gotten answers as to how much I owe and what my payment should be the information has been contradictory. I 've gotten told different amounts that I owe for the same month and have no clue what my current repayment plan looks like or how much I should be paying. I ca n't make informed decisions without accurate information. The few payment receipts I 've gotten do n't show my total loan so I have no clue if things are being applied correctly to my account.
Consumer complaint received 2015-04-24
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX XXXX 2015, my debit card was charged for {$400.00} through my XXXX account which was compromised. I solved the problem with a XXXX way call with Bank of America and XXXX, and the money was reversed. However on XXXX XXXX 2015 I received an email from Bank of America telling me my account was once again overdrawn by {$400.00}. Then they tacked on a {$35.00} overdraft fee, and a {$35.00} return item fee even though there was no item returned and it had n't been long enough for an overdraft fee to occur. I talked to the bank and they tried to tell me that XXXX charged my account again for {$400.00}, but there are NO such charges on my XXXX account. I even talked to customer service through XXXX and they assured me that the account had been inactive since the previous issue. Bank of America decided to have me open a claim, and the following day they sent me an email letting me know I needed to fill out an online form within 5 days for the claim. I waited one day and when I went to fill the form out, they had closed the form and said the case was resolved. That my account had insufficient funds. Entirely ignoring the fact I told them my account has obviously been compromised. I tried closing my account and they wo n't let me until I pay the overdraft sum which is completely ludicrous. I know for a fact Bank of America made a mistake with my account, or fabricated this charge and then stacked extra charges on top of it in an attempt to steal money from me. I refuse to pay them for trying to con me. 
I 've since closed my XXXX account in an effort to protect myself, but Bank of America refuses to let me close my bank account. I 've been a customer for 15 years and I 've had problems with this bank from the start. I just want to put this behind me as it 's really stressing me out.
Consumer complaint received 2016-02-21
Product: Credit card — 
Issue: Other fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

In the case of XXXX different credit card companies, I paid off my entire balance in XXXX 2016 and yet got charged finance charges/interest for this month, XXXX 2016. I called both Capital One and XXXX XXXX and was told, " interest charges accrue daily, were n't reflected in your balance due, so you still owe these fees. '' I paid them each around {$10.00} " interest '' but I do n't understand, how can one pay on time, pay off the entire balance and still get charged interest while having a zero balance? In the past, after I paid off the balance of a credit card, that was the end of any charges.
Consumer complaint received 2016-02-19
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC. (IL)

Midland Funding called me attempting to collect a debt they say I owe. I tried to convince the lady they have the wrong person but she ignored me completely acting as if I 'm lying.. I finally hung up because she kept asking for my social security number and phone number. I told her since they called me she should already have my information. I figured it was a bogus phone call but then today I was notified they placed a Collection on my Credit report. I ca n't understand how companies can do this with NO proof of any kind.
Consumer complaint received 2015-09-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (TX)

I started seeking a loan modification at the begining of 2013. I have submitted all the documents requested for modification. Every time there are excuses from my servicer for incomplete documentation. Recently, I submitted all the documents they had asked and someone called to inform me that I do n't qualify because I have $ 300+ remaining after all expenses. I got divorced few years ago and I have XXXX XXXX I am taking care of. I do n't want to loose my house to foreclosure and I need assistance from CFPB to help get loan modification so that I can remain in my home.
Consumer complaint received 2015-04-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (OH)

Since XXXX XXXX America 's Servicing Company on several occasions XXXX billed our mortgage payments making it look as if we 're defaulted on our mortgage. We 've brought it to their attention and they have n't fixes it. No we have a Sheriff Sale date of XXXX XXXX 2015. We 've ahad a loan modification to fix the problem only to have them do the same. Their claiming we have n't paid our mortgage in 5 yrs. This has been on going for 9yrs with.them. They 're reporting this on my credit report ruining my credit, and made XXXX hard pulls on my credit when I was n't applying for credit with them.
Consumer complaint received 2016-03-24
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (CO)

My mortgage with XXXX was transferred to Freedom Mortgage in XXXX 2015. I made my XXXX Mortgage payment to XXXX and Freedom Mortgage will not recognize the payment even though I have provided proof and have called them every month ( they say they are investigating ) meanwhile they show me as 30 days late every month. I got the notice of transfer to Freedom after the XXXX payment.
Consumer complaint received 2016-02-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC (FL)

XXXX XXXX in XXXX Florida fraudently charged my credit card after agreeing to only use it for a {$1.00} XXXX time to get me started. They did that I repeated on tape that that was all I approved 5 times they agreed. Then they charged my card {$100.00} the next month forcing me to file a complaint and close my account at a cost to myself. Then I asked them to correct their billing they sent me a XXXX fee which again i was recorded agreeing to and no more then the charged the {$100.00} against a card instead of the {$49.00}. Then they would n't reduce it to what they promised I sent XXXX emails. They refused tried to negotiate {$60.00} instead of {$79.00} plus installation of XXXX which orginally they said was free. Now after I disconnected and repeatedly asked for bills at the {$49.00} for the XXXX month I was with them and sent back all my equipment which was verified with them and emailed XXXX more times they said they would have a manager review and work with me. They did n't they sent it to a collection agency fraudently. it was disputed at their level XXXX times via phone and email never verified now they have sent it to a collection agency and trying to charge for equipment they verified they received and XXXX know what else after they broke our contract by defrauding me with the use of my bank account and charging more then agreed. XXXX is disgusting in their fraud of lies of cost in using a bank account in a way not autherized and now not verifying a debt I demanded of them. Lastly my wife set up this account using my name and social security number which I didnt approve
Consumer complaint received 2024-11-12
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. (NC)

I have made several attempts to remove fraudulent remarks from my credit report, identified between XXXX and XXXX. Despite participating in the dispute process with TransUnion, XXXX, and XXXX, reaching out to other credit reporting agencies, and contacting the involved companies, I have not succeeded in resolving these unauthorized fraudulent accounts that I did not benefit from. These negative accounts have significantly impacted my quality of life. My data has been compromised twice by the credit bureaus, making me a victim. I am seeking assistance to correct these fraudulent accounts. Thank you.
Consumer complaint received 2015-09-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: URS Holding, LLC (GA)

This past summer I recieved a call from United recovery systems in their attempt to collect a debt for XXXX who had been sending said notice to address i hadnt lived at in almost 3 years and calling an out of service number which is why i hadnt paid it I did n't know about it. I spoke to a young man and we discussed the situation and i agreed that the account they were attempting to collect was in fact mine and requested to have communication about the aforementioned to my current address, but it never came. Then the calls started coming in. Some lady named XXXX XXXX would call me daily more than once and leave voicemails, so many so that I had to block her number from calling me while I waited for the paper communication for the debt which never came. I recently got a new phone and got into contact with XXXX XXXX aND she told me it was n't my right to have a paper communication of my debt sent to me and that all it would tell me is exactly the information what she was telling me on the phone, I told her okay aND that I 'd call her back when I had the funds to begin payments on what I owed, so since i got the new phone XXXX XXXX number was no longer on my auto reject list. She called me once this morning and I work on XXXX and told her I was unableto talk and that I would call her back when I got a chance and to please not call me again, well XXXX hours later she called me again even though I asked her not to. I have since contacted XXXX and paid half of the debt I owe directly through them