davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (TX)

American Express charge card In last two years I got the same answer twice. 

Situation - I called them to cancel my card and told them that they should not honor any more charges post cancellation. They said I am liable for charges for perhaps upto 9 months after the card is cancelled. They told me that it is because, merchants are their customers too and when we use the card for subscription billing, they are liable to honor the merchants transaction even after cancelling the card. This is not right and does not work in favor of card holders who should be in control of transaction. 

Pl dig into this as this is a larger issue that affects sr citizens and poor people who are being squeezed by large corporation.
Consumer complaint received 2019-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have disputed items and closed accounts on my credit report with XXXX and Transunion for many months. Not only have they not removed the closed accounts, which would hopefully raise my credit score, they put old accounts that haven't been on my history for years, back on to my credit history. If an account is closed, why won't they remove it from my credit history?
Consumer complaint received 2019-05-17
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. (GA)

I reached out to you guys about some items on my credit that not mine. I thought this was taken care of but there are still items on my credit that are not mine. I contacted the FTC and the police and I'm doing this on my own behalf. Chapter XXXX bankruptcy, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX and XXXX XXXX XXXX. There are also inquiries on my report that are not mine. XXXX XXXX, XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-17
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. (FL)

AFTER REVIEWING MY CREDIT REPORT, I CAME ACROSS SOME INACCURATE ITEMS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2019-05-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Insikt, Inc. (CA)

Call XXXX XXXX  multiple times and was told i will get a call and or a letter stating they will remove off my credit report once paid. Now they are telling me that it want be removed after payment it will stay on as a settlement. This is unfair and illegal and a disregard of my constitutional rights for me too be told once i pay it will be removed from my credit but when i as for it in writing i gets no response for years and now when i called they transferred me to a lady named XXXX and she said she CAN settle for less than the amount that is already charged off ( paid off on the books FDIC insurance, or reported as a loss ) which was {$330.00} settlement charge. I then asked her why will i pay off a debt that after 7 years will be took of my credit report to get a fresh date for the settlement to stay on my crrdit a fresh 7 years? I am willing to pay but it needs to be removed from my credit report. The impact has already happened you cant expect to get a payment and to add a new Derogatory remark to my credit report after you receive the fund owed. This account was open on XX/XX/XXXX its now XX/XX/XXXX
Consumer complaint received 2019-07-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CO)

I called to get information on my report. XXXX works for Equifax and did an absolute job of telling me nothing besides how to sign up for fraud protection. 
Repeating the same thing over. 
I am trying to pay and clear some of these items on my report but I got no where with XXXX who he said was his name. 
His tone is hard to understand and just made me feel awkward and didnt point me to any solution. 
I made this call on XX/XX/XXXX at XXXX Mtn time.
Consumer complaint received 2019-05-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One Online Savings On XX/XX/19 a funds transfer in the amount of {$10000.00} was requested from Capital One to another bank account. On XX/XX/19, Capital One security department called me and left a message. I called back immediately and spoke with XXXX. She questioned if the external account was in our name. I confirmed it was and told her that I had already processed a prior transfer in the amount of {$20.00}. She said that the transaction would be cleared and processed that day. The money was not transferred as promised, my external account did not receive the money however my Capital One balance showed the money had left the account on XX/XX/19. Furthermore on XX/XX/19, my Capital One balance showed that the money had been returned to Capital One. I called XX/XX/19, and spoke with the security department at Capital One again. I questioned why I had not received my money and they could not provide a valid reason, only that they see that a reverse ACH was processed XX/XX/19. They would process it again which would delay the fund even further. I told them that I needed the money long ago and that it is unlawful to hold my funds without a valid reason. I requested to be transferred to a manager and was connected with XXXX ( Employee # XXXX ), Account Manager in the Customer National Direct Banking Department. She was not very contrite regarding the issue and also could not provide a valid explanation. I told her bottom line I would like my funds IMMEDIATELY. She said she could process a wire transfer for the balance and closed the account. I confirmed. However I was charged for the transfer and should not have been due to the mistake they had made with my initial transfer. I am reporting this because it needs to be on the record that Capital Ones banking business practices were at a minimum unethical in my experience. They withheld my funds without reason and I did not have access to my own funds due to their dishonesty. I refuse to do business with them in the future.
Consumer complaint received 2019-02-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CADENCE BANCORPORATION (MD)

I authorized State Bank and Trust of Georgia to auto-debit interest payments from my personal bank account with XXXX XXXX XXXX in Maryland. State Bank and Trust has recently been purchased by Cadence Bank , N.A . On XX/XX/19 Cadence Bank , N.A . debited through ACH {$950.00}. On XX/XX/19, State Bank and Trust debited {$950.00} from the same account. This second payment was not authorized. I contacted the bank as soon as I learned of this through a review of my financial records. This second erroneous and unauthorized debit from my account put a significant strain on my finances and required utilization of overdraft coverage with XXXX XXXX XXXX. 

My online account with Cadence Bank , N.A . confirmed a credit for {$95000.00}. There was no record or credit of the second debit of the same amount. I contact a banking representative who stated after XXXX emails that the bank was investigating. I emailed again on XX/XX/19. A response stated that I should be receiving a credit from my account. I have no credit in my account at XXXX XXXX XXXX as of this writing. 

Cadence Bank, NA has violated the terms of my ACH authorization. I have emailed twice regarding my revocation of authorization for auto-debits from my account. They refuse to acknowledge this request. 

I have placed a stop payment with XXXX XXXX XXXX for Cadence Bank and State Bank and Trust for any auto-debits. I have email a copy of a letter to this effect. 

I am requesting help should I not receive a credit, in a timely fashion, for this erroneous second debit which has cause my family significant financial hardship. They refuse to acknowledge this hardship or my desire to be invoiced directly, prior to authorizing payment, for any interest payment due on this loan.
Consumer complaint received 2019-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (OK)

On XX/XX/XXXX, I attempted to obtain my free annual credit report from Equifax using the XXXX website. There is never a problem receiving my credit report from XXXX or XXXX XXXX but this year, just as last year, Equifax refused to provide the report. After answering a multitude of identifying and security questions, they indicated I must send by mail a number of very personal financial documents, which could be lost in the mail and fall into anyone 's possession. I experienced this same problem with Equifax last year and after filing complaint # XXXX with the CFPB, the matter was quickly resolved and I received my report by mail. When I filed complaint # XXXX this year, after experiencing the same problem as last year, it was dismissed as being a duplicate of a previous complaint filed the preceding year. THIS IS A NEW COMPLAINT. It is a NEW problem for THIS year. Do not dismiss this complaint as a duplicate. I received my Credit Report LAST year but were refused my Credit Report THIS year. Equifax didn't have a problem providing my Credit Report and all of my other personal financial information they possessed a year and a half ago to hackers but refuses to provide it to me. Please provide me my free annual credit report as required by law.
Consumer complaint received 2019-05-17
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. (AL)

I reached out to you guys about some items on my credit that not mine. I thought this was taken care of but there are still items on my credit that are not mine. I've contacted the FTC and my local police and I'm doing this on my own behalf. Dep ed/XXXX, dept of ed, and XXXX. Please have these removed from my credit.
Consumer complaint received 2019-05-17
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 (NY)

American Express has issued me new card changed the account number, than 2 weeks later they stopped me from using the credit card. They spoke to me on the phone telling me that I will have to fill out a form, notarized and fax it back to AMEX. I did that XX/XX/XXXX, and they told me that there is going to be an investigation with the card from there " Global Fraud Protection Serveries dept ". This person has my identity and using it to change my name on cell phones, and then closing the accounts. In XXXX of XXXX, this person has applied for Medicaid, for me which I was denied. I called many phone numbers to find out where the application came from, and that was a waste of 3 hours.In XXXX I had Social Security fraud until I went up the 8th time to SS office and they took me off computer privileges. He is also, following my charges on accounts. On line banking he was listening to my conversation and kicking my password out so couldn't us the on line banking. I've had Amex for 35 years never did I encounter these problems, before this situation started. 
I must of had in 4 years 200 cell phones, with he changing the name, and then closing the service. Not a good feeling that this person can do anything with my name and Social Security number.
Consumer complaint received 2019-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I have disputed items and closed accounts on my credit report with Equifax and XXXX for many months. Not only have they not removed the closed accounts, which would hopefully raise my credit score, they put old accounts that haven't been on my history for years, back on to my credit history. If an account is closed, why won't they remove it from my credit history?
Consumer complaint received 2019-05-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc. (TX)

I received a debt collection notice for a medical debt dated XX/XX/XXXX for the amount of {$1300.00}. I have had previous issues with debts being opened falsely under my name from the years XXXX and I have had a fraud security alert placed on my credit report since last year upon my knowledge of the activity that was taking place. This was before I received a notice from Aargon Agency consequently. After receiving the notice dated XX/XX/XXXX, I replied with a debt validation request dated XX/XX/XXXX requesting the Aargon Agency provide a copy of my signature agreeing to the services. As well, I sent a cease and desist, and requested 30 days to respond to the information provided by the agency and that the debt be withheld from being reported to my credit report during those 30 days. On XX/XX/XXXX, I received the response from the Aargon Agency, dated XX/XX/XXXX. The documents attached were copies of the bill information, as well as personal information such as address, phone number, and social security number, however, the agency did not provide a copy of my signature agreeing to services and billing. This is important seeing as though I have had accounts fraudulently opened under my identity. In my original response to Aargon, I requested a cease and desist from communication for 30 days after their response while investigating the information provided. On XX/XX/XXXX, I received a debt collection call without information of who was calling and who they were calling for. I returned the call to inquire and both representatives refused to identify the agency they were calling from and who it was they were calling for. After making repeated calls, the representative giving me the name of XXXX XXXX, revealed he was calling from Aargon Agency. However, Mr. XXXX would not identify who it was he had called for. On XX/XX/XXXX, the debt was updated and reported back to the credit bureau only 28 days from the response of the Aargon Agency. The Aargon Agency violated my cease and desist while all the while not validating the debt that was placed in my name.
Consumer complaint received 2019-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

Two fraudulent balance transfers totalling {$12000.00} were made to my USAA Federal Savings Bank VISA card on XX/XX/XXXX. These were transferred from two different XXXX cards. I do not own a XXXX card. I discovered this fraud on XX/XX/XXXX as I was paying bills. I contacted USAA immediately. The person with whom I spoke was very nice. She took down all the information and assured me it would be taken care of. 

On XX/XX/XXXX a man who said he was with USAA called my husband on his old cell phone. My husband could not hear very well in part because he was in a noisy waiting room at XXXX XXXX XXXX XXXX. I was in XXXX at the time of the call and could not help him. We really do not know what was said during that call. We do know that USAA cancelled that credit card. They then increased our credit limit to $ XXXX.They also sent us two new credit cards which we have not activated. They also billed us for over {$12000.00}. I paid the legitimate charges. 

After I returned home from a second emergency hospitalization in XXXX, AL, where I live, I contacted USAA FSB again about removing the {$12000.00} from our account. This time the man with whom I spoke was extremely rude and hateful and claimed that he had proof that I had called USAA and requested this. I had not called USAA for this purpose. After a couple of days we called again. This time I spoke with a female supervisor who was very polite. I thought she said she would handle this. I told her I would wait until the following Friday for her to fix this. She has not done so but I have been billed again for the {$12000.00}. 

I have since filed a police report here in XXXX AL. They told me to contact the FTC about identity theft. We did that and the sent us to CFPB.
Consumer complaint received 2019-05-17
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. (AL)

I reached out to you guys about some items on my credit that not mine. I thought this was taken care of but there are still items on my credit that are not mine. I've contacted the FTC and my local police and I'm doing this on my own behalf. Dep ed/XXXX, dept of ed, and XXXX. Please have these removed from my credit.
Consumer complaint received 2019-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

The following accounts are fraudulent on my credit report : - XXXX XXXX XXXX, XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX, XXXX
Consumer complaint received 2019-05-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UMPQUA HOLDINGS CORPORATION (CA)

I received a certified letter from my banking institution UMPQUA BANK on XX/XX/2019 Stating they were closing my checking & savings accounts with no explanation as to why on the letter. I contacted my branch manager XXXX XXXX to find out why. She said she didn't know But had received a notification the previous day that they were closing my accounts. I asked her to please find out what was going on. She informed me it had to do with being Associated with the XXXX industry! I have never been involved with this industry!! 
I sell XXXX XXXX and have been a XXXX XXXX for the last 20 years. I can GUARANTTE you I have nothing to do with the XXXX industry. I believe they have the WRONG PERSON!
Consumer complaint received 2019-05-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NJ)

I was on a repayment plan from three months ; XX/XX/XXXX - XX/XX/XXXX, of which payments were due on the XXXX of the month ; My regular monthly payments were {$1400.00} and the repayment plan amount was {$1.00}, XXXX. In XX/XX/XXXX, I called Ditech to inform, that the XX/XX/XXXX payment was being returned, due to my direct deposit pay was being deposited after that date, which the representative indicated that was fine. As a result, the payment was received XX/XX/XXXX ; XXXX was paid on time XX/XX/XXXX ; XXXX 's was paid on time, and. XXXX was the month I would resume my increase payment of {$1500.00} ; l of which I paid {$1500.00} for the month of XXXX, During my conversation in XX/XX/XXXX, with the Ditech representative, I was advised. that once the re-payment expires in a XX/XX/XXXX, monthly payments would increase to {$1500.00}. Prior to her informing me of the increase, I had no idea, I never received correspondences via mail, email or phone. I received a call Saturday, XX/XX/XXXX from Ditch stating I was ( 60 ) days late and owed {$2600.00}. I was floored, for I honored the re-payments and thought I would be current once completed. The representative requested for me to provide my bank statements for the time period I was on the repayment as proof of payment ; Although the call was on a Saturday my bank was opened I immediately went to XXXX and the bank manager fazed the same day. 

On XX/XX/XXXX, I called Ditrech, to inquire the status of the investigation to the outcome as to why I was still in arrears. I spoke with XXXX x XXXX ; she was amazing, through her professionalism, she was able to identify why I was in arrears. She indicated that the calculations, that were calculated by Ditch, were prepared incorrectly. 

As the result, the payment plan was less the amount owed. I thought to myself, here we go again ( happened in XXXX ). Ditech has caused yet another financial hardship. Based on her calculations and my recent payment of {$1500.00} received ;, total I need to pay for ( 6 ) months {$1900.00}. 

Why do I find myself constantly battling with Ditch for employees who are not professional, lack being detailed oriented, lazy and are working just waiting to punch out frim their shift. Im frustrated for this is not my first complaint about the mishandling of my account. Why do I have to be the one to pay for the lack of work ethnics, knowledge and from your employees? This DItech organization has no idea or lack to the understanding as to how they are placing folks in jeopardy of their home.? I do not think that the lack of planning and adequately addressing consumers needs should all fall on me I would like a resolution Thanking you i n advance
Consumer complaint received 2019-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

Today : XX/XX/2019 I went onto XXXX and noticed two unauthorized hard inquiries on my credit report. 
First company reported hard inquiryXX/XX/2019 from : XXXX/XXXX XXXX, FL XXXX ( XXXX ) XXXX Second company reported hard inquiry XX/XX/2019 from : XXXX XXXX, DE XXXX ( XXXX ) XXXX I never authorized either of these two above companies to check my credit. I haven't tried to get a new line of credit, whatsoever. I contacted both of the above companies directly and the calls where an automated advertisement company offering products. I have no information on how to get in contact with these false companies to address this issue and I'm concerned my credit may become jeopardized if this is not taken care of soon.