davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (FL)

To whomever it may concern, The excessive junk fees charged to my AMEX cards for an account that is : ( 1 ) in good standing and never missed a payment/had late payment.

( 2 ) only had payments returned because of negligence on the part of XXXX Bank. 

I had several issues with my XXXX debit account this year, which led me to sending a message to XXXX inquiring about potentially closing the account. They responded saying they were closing the account once it hit XXXX balance. In fact, the messaging from XXXX bank said : " The account will close when there are no pending transactions and there is a XXXX balance. If your account has a positive balance, we'll mail you a check for the remaining funds XXXX business days after the account is closed unless you transfer those funds to another account. '' Because this account is a secondary account in which I do not keep much money, I decided to just spend the remaining money on payments towards my credit cards and transfer the remaining money to one of my XXXX XXXX accounts. XXXX Bank then proceeded to deny my transfers to XXXX XXXX in addition to denying my credit card payments, despite there being more than enough money in the account to cover the costs. 

Although American Express is not liability for XXXX Bank 's administrative errors, AMEX is liable for continuously charging inordinate fees for issues that are well beyond consumer control. They did something similar to me last year when XXXX XXXX had to change my account number due to fraud. Not only does AMEX charge a fee for such an error, they charge THREE FEES for a single payment, amounting to three {$29.00} charges ( {$87.00} ). This is essentially an {$87.00} charge per mistake of another banking institution. This is clearly predatory behavior, and likely illegal under consumer protection laws. 

I am currently in XXXX, but before I left the country, I called AMEX on three separate occasions, wasting over an hour of my time on hold for them to say they will " escalate my concern, '' only to do absolutely nothing to address the inordinate fees charged to an account of a responsible customer that has never had a late payment on the card.
Consumer complaint received 2019-11-08
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-08
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harvard Collections, LLC (NY)

the debt that a collection agency is attempting to collect from me, the debt is a result of identity theft. 
First and foremost, I want to emphasize that I have been a victim of identity theft from a XXXX data breach. I have strong reasons to believe that the debt being pursued by the collection agency is not incurred by me, as I have never engaged in any transactions or activities associated with the alleged debt. The information provided by the collection agency as well as the original creditor, specifically the statements of when the debt was used, does not serve as definitive proof that I am responsible for the debt. It is crucial to understand that the mere receipt of statements does not establish my involvement in the transactions.
Consumer complaint received 2019-08-31
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: Credit Technology, Inc. (TX)

I have hard inquiry on my report from Credit Tech on XX/XX/2019. 

Credit Tech XXXX, CA XXXX I have not applied for any credit nor provided consent.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Amsher Collection Services, Inc. (KY)

In accordance with fair reporting act AMSHER COLLECTION SERVICES has violated my rights.

- 15 USC 1681 section 602 states i have the right to privacy.

- 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

- 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.
Consumer complaint received 2019-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I had a vehicle lease through XXXX ( XXXX XXXX XXXX XXXX ) for 36 months, my lease ended XX/XX/2019, I had called XXXX several times to ask information about the end of my lease, I was told to get the vehicle inspected with the company that they had provided, after inspection I can return the vehicle anytime between XX/XX/XXXX and XX/XX/XXXX because they offer 10 days grace period. I did everything that was asked of me to do. Ireturned the vehicle on XX/XX/2019 ( still within my grace period ). About 3 weeks later I received several phone calls from a rude agent named XXXX from XXXX Collection department stating that I was late on my lease payment and that I needed to pay the amount owed within the next few days. I explained to him that my monthly bill was always being deducted automatically from my bank account, I had made all my payments in full and on time, I also informed him that the car was returned back in XX/XX/2019. He was adamant that I owed the monthly payment, and the car was never returned to XXXX. After going back and forth with me for several minutes I decided that I didnt like the tone at which he was speaking to me and I wanted to speak to someone else. Finally another agent got on the phone to inform me that the dealership did not finish the paperwork for my lease return and as far as they know I owe the monthly payment. Few days later I got a notification that XXXX reported a late payment ( 30 days past due ) to all 3 credit bureaus ; at this point, I was livid I called XXXX again the representative told me that I have never been late and he does not know what Im talking about. All the employees are so rude ( XXXX, XXXX ) and do not care to properly answer any of the questions asked by the customer. It is unfortunate that a big company like XXXX chooses to report fraudulent information on peoples credit report. XXXX is nothing but FRAUD FRAUD FRAUD!
Consumer complaint received 2020-02-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (FL)

Receiving letters from Sherman Originator claiming I owe almost {$6000.00} on a XXXX XXXX  XXXX XXXX card turned over to them. They refused to give me any details without my SS which I refused to provide them. I checked my credit report and no sign of this debt. Ive contacted XXXX XXXX who verified I had an old closed account with XXXX balance. I havent had an account with them in decades.
Consumer complaint received 2019-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

I had a vehicle lease through NMAC ( Nissan Motors Acceptance Corporation ) for 36 months, my lease ended XX/XX/2019, I had called Nissan several times to ask information about the end of my lease, I was told to get the vehicle inspected with the company that they had provided, after inspection I can return the vehicle anytime between XX/XX/XXXX and XX/XX/XXXX because they offer 10 days grace period. I did everything that was asked of me to do. Ireturned the vehicle on XX/XX/2019 ( still within my grace period ). About 3 weeks later I received several phone calls from a rude agent named XXXX from Nissan Collection department stating that I was late on my lease payment and that I needed to pay the amount owed within the next few days. I explained to him that my monthly bill was always being deducted automatically from my bank account, I had made all my payments in full and on time, I also informed him that the car was returned back in XX/XX/2019. He was adamant that I owed the monthly payment, and the car was never returned to Nissan. After going back and forth with me for several minutes I decided that I didnt like the tone at which he was speaking to me and I wanted to speak to someone else. Finally another agent got on the phone to inform me that the dealership did not finish the paperwork for my lease return and as far as they know I owe the monthly payment. Few days later I got a notification that NMAC reported a late payment ( 30 days past due ) to all 3 credit bureaus ; at this point, I was livid I called NMAC again the representative told me that I have never been late and he does not know what Im talking about. All the employees are so rude ( XXXX, XXXX ) and do not care to properly answer any of the questions asked by the customer. It is unfortunate that a big company like NMAC chooses to report fraudulent information on peoples credit report. NMAC is nothing but FRAUD FRAUD FRAUD!
Consumer complaint received 2019-11-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (MI)

I was a victim of identity theft. Earlier this year I received notice of a debt from XXXX for {$490.00} for unauthorized cable service which I was notified by mail and an a alert from my credit report of this debt. I reached out to XXXX fraud department and disputed this bill back in late summer XXXX ; XXXX said they show a new service was established in Connecticut in my name, I reside in XXXX Michigan, and I never had XXXX I always had XXXX. XXXX instructed me to go on their website ( XXXX ) and fill out form and provide documents which show I lived in XXXX from XX/XX/XXXX thru XX/XX/XXXX and I sent them copies off all of my utility bills from around that time frame which shows I always lived in XXXX. Everytime I send them all of the bills I had they kept denying my claim saying my information was insufficient? Well I sent what they asked me all of my bills I pay online so some utility bills are archived off their system after awhile but nevertheless I sent them as many bills to show I lived in XXXX around that time frame and I told them I never had XXXX. I sent them copy of my drivers license which show my address and I initiated a fraud claim with them and the ticket # XXXX was issued by XXXX. The next thing I knew they sent the debt to collections and the company who has it now is Sunrise Credit Services on acct # XXXX. I contacted them and explained I was a victim of identity theft and I had disputed it with XXXX ; they said they will investigate and to no avail they sent this debt again to my credit report. I opened a dispute with the credit bureau XXXX  on report # XXXX and they said they will follow-up with Sunrise Credit and again I got notification from XXXX after their follow-up Sunrise told them this debt is valid. It maybe valid but its not mine? I am trying to get this debt removed from my credit report so this negative rating is removed ; but XXXX   recommend I file a dispute with you to see if you could help me with this fraudulent debt. I have advised XXXX  to extend fraud alerts on my credit reports ; Sunrise obviously is not trying to help me and XXXX is a joke. Please advise me what other options I have to get this debt off my credit report. I need your HELP!
Consumer complaint received 2019-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

To whome it may concern, This is a warning to anyone thinking about accepting payments to their credit card from someone that is offering to buy goods or services online. Do Not Do It! Those payments can be reversed at any point in the future, mine was 6 months later! 

I am a credit card customer of Capital One Bank ( XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX ). I had an item advertised online for sale and someone offered to purchase it by paying off my credit card. As many people know, this is an unreliable way to accept payment and a common scam so I contacted Capital One customer service that I just received a payment from someone online and asked them if I cancel my credit card and close the account, how long after the closing date will the account completely be closed, where no payments can be made into or out of the account and no payments into the account can be reversed. I was told by the Capital One customer service representative that I would have to wait 2 billing cycles ( 2 months ) after account closure for all accounts to be settled and no more transactions will be able to be made into or out of that account. Everything will be finalized by then and all payments settled. So going on the advice of the CS representative I told the payer ok but you will have to wait at least 2 months, they said ok and the {$7900.00} payment arrived into my account on XX/XX/2019 ( split into 2 separate payments ). So I proceeded to close the account a few days later, received a check for the positive balance in the mail from Capital One and waited 3 months after closure to mail the person the item in question ( XX/XX/2019 ). 

6 months later at the end of XX/XX/2019 I receive a letter in the mail from Capital One informing me that a payment error was made on my account, that the payment has been returned to the bank that payed it and to quote the letter from Capital One " Rest assured, we've already corrected this error and you dont need to take any action ''. I just spent 2 hours on the phone with Capital One and as it turns out there is nothing they can do about it, I have no recourse or any way to get the money back and I now owe Capital One {$7900.00} + {$220.00} interest for the late payment. I asked them to provide any information about the bank or account that the reverse payment was sent to and they refused to provide any information about how or who requested the change. No names, no account information, not even the banks name that the refund was issued to. 

Do NOT accept payments to your credit card! They can be reversed at any stage in the future, mine was reversed 6 months after I received the payment and 5 and a half months after I cancelled and closed the credit card account. 

Regards,
Consumer complaint received 2019-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

I rented a vehicle from XXXX while on vacation in XXXX. The charge was supposed to be for {$180.00}. However I was charged {$530.00}. I contacted my financial institution, First National Bank, to file a dispute. They opened up a case and asked me to submit information, which I did. A couple weeks later I received a letter saying they closed the case. When I called to ask why the case was closed they said more information was needed and they would open it back up if I sent in the additional paperwork. So I submitted the additional documentation they asked for. After calling the second time, I was again told that even more, additional documentation was needed. Again, I submitted more documentation. This same process whet on for two more times over the course of 3 months ( they wouldn't accept anything over email, it had to be sent through the US mail each time ). Each time they kept coming up with new, additional requirements. From talking with the representative at First National Bank it became clear she was trying to avoid having to contact VISA. She made me spin my wheels for months in the hopes that I would just give up and she wouldn't have to go through with the dispute process. Now I am stuck with no way to recover the funds because First National Bank refuses to take action.
Consumer complaint received 2019-08-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (CA)

I mailed National Credit Systems , Inc. my first communication by mail on XX/XX/XXXX. My letter requested that the debt collector provide validation of the collection account they are reporting to all three credit reporting agencies. I received a response back on XX/XX/XXXX from National Credit Systems , Inc. which included a Move Out Statement ( XX/XX/XXXX ) from XXXX XXXX, but did not validate the debt they are claiming I owe per the Fair Credit Reporting Act and Fair Debt Collection Practices Act. 

NCS Account Number : XXXX Current Creditor : XXXX XXXX XXXX / XXXX Client Account Number Ending : XXXX Balance : {$4300.00} as of XX/XX/XXXX per their last I have checked with my state Attorney General and confirmed that the statute of limitations on this type of debt has expired. Therefore, if National Credit Systems , Inc. chooses to pursue this matter in court, I will be forced to show proof that the statute of limitations has expired and I may have turn the matter over to an attorney.
Consumer complaint received 2020-02-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (GA)

Our home was scheduled to be sold in a foreclosure sale on XX/XX/2020. I received a call from XXXX, who works in the Loss Litigation department of Lakeview XXXX  on XX/XX/2020 at XXXX and she informed me that Lakeview XXXX  was going to modify my loan to prevent our foreclosure. This loan modification would lower our mortgage payment and the past due amount of approximately {$25000.00} would be added to the end of the loan. XXXX requested me to complete a loan application and send her my bank statement, check stubs, award letters, child support verification, etc by Monday, XX/XX/2020. Attached is the email XXXX sent me on XXXX XXXX. On Monday, XX/XX/2020, I emailed the completed loan application along with the documents requested. See attachment. On XX/XX/2020, I contacted XXXX to verify if she received my loan application and documents, and she stated that she would put those documents into her supervisor, XXXX XXXX ( Loss Litigation Loan Processor ) inbox. XXXX told me that she was going to expedite the loan modification process since we were only a few days away from the foreclosure sale. She also instructed me to call back on Friday, XX/XX/2020 and verify that XXXX had everything they needed from me. When I called back on Friday, XX/XX/2020 XXXX told me she never received my documents. I reminded XXXX that we had a call on Monday XX/XX/2020 where she stated she received my documents. I was on the phone with XXXX for 2 hours trying to get this straightened out. XXXX found the documents and said that everything was good to go. 
At the end of the call, XXXX told me that she had good news. She stated that " I am taking your house out of auction so that it can't be sold ''. On XX/XX/2020 XXXX called and stated that she was missing a few more documents and that her supervisor XXXX XXXX would send me an email regarding the missing items. Attached is the email from XXXX. I asked XXXX if I needed to send these documents right now or could I send them when I got off work. XXXX stated that I could send them when I got off. On XX/XX/2020, I emailed XXXX the documents she requested. See attached email. I called the Loss Litigation department four times on XX/XX/2020 trying to verify if the documents were received. I was unable to talk with XXXX, but the customer service representative assured me that if I sent the documents to the email address provided, that everything would be ok. On XX/XX/2020 at XXXX, XXXX called and said " This is the worst call I've ever had to make. Your house was sold. I'm sorry. The house is sold. A third party bought the house and it was a cash offer. You need to contact the attorney ''
Consumer complaint received 2019-11-20
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. (LA)

I've sent numerous complaints though CFPB and disputes letters regarding this situation and Experian has done little to nothing to resolve this matter. My first complaint to CFPB following date is XX/XX/2019 complaint number is XXXX and Experian responded back to this complaint that they will send me a copy of my credit report and for me to send in information to dispute this matter which I have already done more than four times. Then XX/XX/2019 I sent another complaint through CFPB the complaint number is XXXX and I was told the company needs authorization from me and no further details was listed. My complaint included three different companies reporting on my credit report fraudulently and all Experian responded back was company needed authorization no further details about which company needed authorization. I also sent disputes to Experian following dates areXX/XX/2019- XX/XX/2019- XX/XX/2019 - XX/XX/2019 - XX/XX/2019 and neither time Experian responded back to me and told me the company needed authorization in reply to the previous disputes ; neither is experian being clear about which company needed authorization. Why haven't I been told this information? Also this dispute has been well over 30 days. I've submitted a police report, driver license, bank statement, and a sign notarize affidavit to experian also.