davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-01
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: AMERICAN EXPRESS COMPANY (VT)

Second complaint to the CFPB about this issue : 1. I was thrown out of a hotel in XXXX in late XX/XX/2018 after I had a XXXX XXXX due to XXXX. 

2. I booked the hotel in the spring of XX/XX/2018, and had a {$100.00} coupon applied retroactively to the cost of the hotel - which is the XX/XX/2018 {$100.00} credit on my AmEx account. This {$100.00} credit is NOT a refund for dissatisfaction from the XX/XX/2018 incident that occurred at the hotel, per AmEx 's most recent response. 

3. I've filed this dispute several times, each time providing lengthy and detailed information and documentation of the charges, refunds, what occurred at the hotel. and each time I've been told by AmEx customer service representatives that what occurred at the hotel was not right, I should not have been thrown out, that the information I provided would be reviewed in detail and a response would be needed from the merchant beyond receipt and booking information. However, each time the dispute has been closed by AmEx, they provide me the same receipt and booking information from XXXX, and even provided me information from the hotel that stated I assaulted someone with a hotel key card - which I did not and I don't know how you'd assault anyone with a hotel room key card. 

4. I'm done going around and around with AmEx and explaining in great detail what occurred, to only have my disputes closed with incorrect information and receipts from the merchant. Yes, I booked the hotel room. Yes, I received a {$100.00} credit for a coupon. Yes, the charge amount I'm seeking off my account is {$170.00} not {$270.00}. However, I was thrown out of the hotel before XXXX  due to an XXXX XXXX and I am not paying for the hotel room charge as I was not able to use the service I paid for - which is a night stay in a hotel. 

5. AmEx simply 'went through the motions ' on their last response. They provided no detail and only outlined what occured with the past disputes in their last response to the CFPB. I'm done with the non-sense.
Consumer complaint received 2018-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (SC)

In XXXX of XXXX I obtain and Citibank XXXX and had to submit a {$200.00} payment to secure the car. I use the card and in XXXX the company closed the account. I a balance of around {$50.00} and left approximately {$150.00} left of my original secured deposit. After much discussion I was told it would be 60 days til I received a check for the remaining desposit. 60 days came and went and called again. They said check for {$130.00} and change would be mailed on XX/XX/18 and probably received around the XXXX. That would be 100 day mark. called again today and they have charges additional {$51.00} fees on the account and the payment has not been processed. After being transferred to several people I was told no manger available and will get call back. I have been told this before with no call. This appears to be a scam to collect fees on a closed account so they do not need to reimburse me.
Consumer complaint received 2018-09-16
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: BARCLAYS BANK DELAWARE (AZ)

There are several hard inquiries on my report that I did not authorize and customer service will not remove them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Barclays Bank Delaware XXXX XXXX XXXX XXXX, DE XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX
Consumer complaint received 2018-09-17
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. (SC)

I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018. It is now XX/XX/2018. I sent XXXX XXXX  and Experian and XXXX a copy of my police report, ID Thief Affidavit, ID, my social security card, and my XXXX document showing that at the time these items were opened I was XXXX. The company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.
Consumer complaint received 2018-09-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Larry H. Miller Group of Companies (OH)

I purchased a vehicle in XX/XX/2016 and the finance company was XXXX XXXX XXXX XXXX. They sent over this list of criteria the dealership had to meet in order to allow the loan. Long story short the dealership used deceptive practices and sold me a car that was not only grossly misleading of the condition and history of the vehicle it didn't meet the criteria for the loan either. I sued the dealership and won. XXXXXXXX XXXX  will not review my loan nor let me out of the contract even after I explained all of this to them. They constantly harass me every single month even though I make my payments faithfully. I do not want to continue paying for a car that the dealership dose n't even want it back due to the fact I have exposed them and the fraudulent practices they used to get me in the car in the first place. I have already paid about {$10000.00} to this company and if I have to sue them too for having knowledge of the fraud the dealership THEY ARE COOPERATING WITH then I will.
Consumer complaint received 2018-09-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (MI)

Mortgage Company : Mr. Cooper Loan Num : XXXX BK Case no : XXXX BK file date XX/XX/2018 To Whom It May Concern : Im writing this letter to complaint about my mortgage company and communication received from my lender about my homeloan. I filed XXXX XXXX bankruptcy before the foreclosure sale date what is referred to the automatic stay, Im confuse as to why my house foreclosed even do Im protected by the bankruptcy law. Im requesting that the foreclosure gets reversed. I want to stay in my house. I would like for my lender to assist me with a reasonable payment plan or loan modification. I have called my lender on various occasions and talked to different representatives regarding a solution to me defaulting on my mortgage and haven't received a real solution.
Consumer complaint received 2018-09-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TODAYS DATE:XX/XX/XXXX XXXX, XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, XXXX XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX -- XXXX {$140000.00} OPEN {$140000.00} XXXX $ XXXX {$130000.00} XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX -- XXXX {$76000.00} OPEN {$60000.00} XXXX $ XXXX {$60000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Dates : XXXX, XXXX, XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX XXXX you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX XXXX that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 



XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2018-09-17
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. (FL)

TODAYS DATE:XX/XX/XXXX XXXX, XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX -- XXXX {$140000.00} OPEN {$140000.00} XXXX $ XXXX {$130000.00} XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX -- XXXX {$76000.00} OPEN {$60000.00} XXXX $ XXXX {$60000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Dates : XXXX, XXXX, XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX XXXX you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX XXXX that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 



XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2018-09-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (FL)

I received a letter from a company called XXXX XXXX , XXXX out of XXXX, GA. In that letter it discussed a credit card debt from XXXX that I swear I had paid, which was {$35.00}. Anyway XXXX XXXX offered me a settlement of {$82.00} of the amount of {$330.00} they said I owed. I paid it immediately. I was contacted several times by XXXX XXXX XXXX XXXX saying I owed the amount of # XXXX. I informed them several times that the debt had been settled through XXXX XXXX, XXXX. I was told there was no record. I have since learned from XXXX XXXX that XXXX XXXX XXXX XXXX   called on XX/XX/2018 to verify that it indeed had been settled. XXXX XXXX XXXX, said they spoke to XXXX from XXXX XXXX XXXX XXXX and confirmed this account had been settled. Now I receive additional mail from XXXX XXXX XXXX XXXX   informing that I still owe {$240.00}. That most recent correspondence from XXXX XXXX was mailed to me on XX/XX/2018. I also received another correspondence from XXXX XXXX, XXXX showing the discount I had paid to settle but showing the {$240.00} as amount owed and when I called them to question this, they told me the letters are standard and to see the small print that says, the referenced account had been settled in the office. I argued that the letter is misleading and the amount owed should reference a XXXX  amount since I was offered a discount price to settle and performed on that offer. I have tried unsuccessfully to contact XXXX XXXX XXXX XXXX as you are supposed to leave a message at their number, XXXX and the mailbox is always full. I have called 17 times today and can not get a hold of anyone. I have called XXXX XXXX XXXX at XXXX and they said it shows as paid on their end. In the meantime my credit report shows the full amount as charged off.
Consumer complaint received 2018-09-17
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. (MD)

XXXX and TransUnion was notified over 30-45 days ago referencing my XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX, XXXX  accounts not being reported. Creditors confirmed account ( s ) were being reported on a monthly basis. XXXX continues blocking my credit file from mortgage companies and/or other lenders that originate mortgages. 

From XX/XX/2018 to XX/XX/2018 XXXX  forward calls to offshore company to handle the account with no resolution but to contact provider of the account " XXXX XXXX XXXX, XXXX, XXXX, and XXXX XXXX XXXX. TransUnion, XXXX state to contact the banks with no resolution otherwise.
Consumer complaint received 2024-10-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: U.S. BANCORP (MI)

On XX/XX/XXXX, I opened a HELOC with U.S. Bank. Since opening : Initial Card Issues : Received initial card but it didn't work when activated When reported, was instructed to shred card and told replacement would come Replacement never arrived Multiple Failed Resolution Attempts : Called & chatted multiple times over past year requesting card access Repeatedly transferred between Equity Line team and Card Services team Each department claims the other is responsible Promised twice that new cards would be sent - never received Most recent attempt ( XX/XX/XXXXXXXX  ) - chat representative XXXX transferred me then chat disconnected. 


Financial Impact : Paying interest charges since XX/XX/XXXX without ability to access funds Can only access via checkbook, which wasn't the agreed access method Missed payment resulted in negative credit reporting Credit score damaged due to inability to properly access and manage account.

Current Status : Still no working card after 14 months, Continuing to accrue interest charges without proper access, Can not use HELOC as intended, Departments continue transferring responsibility.

Requesting : Immediate card access to funds, Review and refund of interest charges paid without access, Removal of negative credit reporting, Written explanation of delays and transfer issues.
Consumer complaint received 2018-09-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Second Round Limited Partnership, Austin, TX Branch (VA)

I have sent several certified letters to Second Round Lp./ XXXX XXXX XXXX , disputing a debt that was placed on my credit report. A direct violation of 15 U.S. Code 1681s-2 ( b ). In XXXX of 2018 I contacted XXXX XXXX XXXX in regards to information placed on my credit report, requesting that the company furnishes documentation according to 15 USC 1692g ( 4 ) my last letter being sent on XX/XX/18 certified mail. As of XX/XX/2018 I have not ; on XX/XX/18 I received information that Second Round Lp/ XXXX XXXX XXXX has again reported information to the credit bureaus damaging my credit reputation. Second Round has closed an account, however has failed to delete it in accordance with 15 U.S. Code 1681s-2 ( b )  ; this company continues to violates me and FDCPA ; and its many laws. This is unacceptable to say in the least. I DEMAND THIS COMPANY DELETES THE INFORMATION THEY CONTINUE TO REPORT THAT IS NOT IN ACCORDANCE WITH THE LAW.
Consumer complaint received 2018-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (PA)

XXXX  XXXX XXXX XXXX was recently removed from my credit report. It than reappears but states that last payment was missed XXXX of XXXX which is not valid. Per my credit history and there company last payment from me was received XXXX during the repossession. I spoke to a customer service rep at the company who stated she would get this item removed from my credit report. However it has not been removed and it has shown open and than closed more than 3 times. I have tried to work with the credit reporting people and sent 3 request to have this removed since the account is from XXXX. However I have been unsuccessful in this process as well. It has caused my credit to fluctuate up and down and I was denied a loan due to this incorrect information on my report. Both my credit report and the company show that my last payment was in XXXX but they are reporting this to the credit bureaus more recent. If the information were to be actually accurate I would owe nothing and the company would actually owe me money per my investigation. 
Can someone please help me
Consumer complaint received 2018-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Hello : I recently graduated a college with a XXXX in XXXX and was given a {$1500.00} check from a chemical industry company as a closing scholarship for graduate school. I had it deposited via the Bank  of America movile App. Of course, there was a hold on my account, which I was understanding until XXXX today. However, when I checked my balance after XXXX, I still hadn't received my payment. Frantically, I called the bank and was informed that some holding comittee decided to wait until NEXT TUESDAY for the funds to be available. I wasn't notified nor was I able to see it without calling the bank. This money that I desperately need to keep afloat. My job hasnt paid me yet so not having my own money is inconvenient and extremely unjust.
Consumer complaint received 2018-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX XXXX was recently removed from my credit report. It than reappears but states that last payment was missed XXXX of XXXX which is not valid. Per my credit history and there company last payment from me was received XXXX during the repossession. I spoke to a customer service rep at the company who stated she would get this item removed from my credit report. However it has not been removed and it has shown open and than closed more than 3 times. I have tried to work with the credit reporting people and sent 3 request to have this removed since the account is from XXXX. However I have been unsuccessful in this process as well. It has caused my credit to fluctuate up and down and I was denied a loan due to this incorrect information on my report. Both my credit report and the company show that my last payment was in XXXX but they are reporting this to the credit bureaus more recent. If the information were to be actually accurate I would owe nothing and the company would actually owe me money per my investigation. 
Can someone please help me
Consumer complaint received 2018-09-16
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. (SC)

i received my discharge letter of approval in XX/XX/2018. i have contacted XXXX XXXX XXXX and XXXX about updating the information on my credit report as all accounts and forgiven to paid in full. i spoke to both departments and they both gave me the run around about who reports to the Credit Bureau to get this information up to date and accurate. i do remember reading and being informed it could take up to 60 days for processing to be be complete and updated. this inaccurate information is still showing on my credit report and i am in need of someone to update this as paid in full and current with XXXX balances. thank you Sincerely, XXXX Veteran
Consumer complaint received 2018-09-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IN)

To whom it may concern : I co-signed on a XXXX XXXX and XXXX in which payments were to begin payment XX/XX/XXXX XXXX Navient ). The borrower and I filed bankruptcy ealier in XX/XX/XXXX ( When we filed we were informed student loans could not be included in the bankruptcy. The borrower had the loan in forbearance which was to end XX/XX/XXXX. He tried to make a payment and the Navient website would not accept the payment until the forbearance was complete. A payment was tried again on the navient website on XX/XX/XXXX. it would not accept payment again because Navient had put the loan in administrative forbearance. The orginal loan amount was {$15000.00}. The loan amount as of XX/XX/XXXX is {$28000.00} dut to interest. While Navient has put this loan in forbearance without my or the cosigners permission interest continues to accrue and have negative impact on my credit report/score. On XX/XX/XXXX on a phone call with Navient they directed me to the following website ecf.txsb.uscourts.com. They stated this loan may have been placed in Administrative forbearance due to a pending lawsuit. I sent an email to an email address listed on this website ( XXXX ) on XX/XX/XXXX as Navient would give me no information on this lawsuit. The supervisor from Navient stated they could give me no information on this lawsuit. She also state an email was sent in XX/XX/XXXX ; when I go back in my records there is no email from Navient in XXXX of XXXX. I am just trying to get my name off of this student loan and XXXX of Navient 's stipulations for a co-signer release is the Primary borrower needs to make XXXX consecutive payments. This makes it difficult to make 12 monthly payments if Navient has the loan in Administrative Forbearance. Any guidance would be greatly appreciated. 
Thank you