davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-29
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (OH)

This situation has been going on for years since Walmart switched over to mastercard.I have always paid my account on time .But for years I 've been getting charged interest on purchases that were for no interest .I had receipts showing the no interest .And Walmart would advertise these promotions and not honor them .Then I would pay off promotional balances and Walmart would turn right around after I  would pay off the promotion and charge me the full interest .There is 2 promotions one for  XXXX and the other in XXXX that I did n't pay off but the other promotions I did before they expired.I have prove of all my payments I 've paid thousands of dollars within the past few years .and it seems like my account is n't decreasing .I turned them in to the Attorney General in XXXX of XXXX they told me they could n't do anything.I contacted Walmart credit card recently I told them my account does n't look right .Basically they sent me a letter stating they were n't removing any fees.I have prove .I 'm in the process of either filing bankruptcy to get rid of the account or taking there bank to small claims court.So it can be figured out where my money is going.I stopped making payments because if my account just keeps increasing .ME making payments is only benefiting them.They are also giving me a negative credit reporting.When I pay my bills on time .This situation is hurting my credit score.
Consumer complaint received 2017-09-30
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: Regional Management Corporation (TX)

I received a copy of my credit reports and see that XXXX XXXX is reporting that {$1200.00} is owed to them. After multiple attempts to get debt validation, I have not received a response from XXXX XXXX. I asked for them to validate the following : 1. What was the account number.? 2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 3. Please provide me documentation that indicates that I agreed to pay them this sum of money. 4. What was the original date of delinquency for this account? I required compliance with the terms and conditions of my letter within 30 days of their receipt or a complete removal from my credit reports.
Consumer complaint received 2017-11-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: ACS Education Services (NC)

I have a loan with ACS education. I recently asked for my original loan papers as mine were lost in a hurricane. They sent me a one page form without my signature, no interest information and on top it said one loan for XXXX and one for XXXX. That is a total of {$4800.00}. I graduated in XXXX and have been paying each month. I did have a period of relief due to unemployment. But my amount is around XXXX per month for a least 5 years. That is XXXX. They say I still owe over XXXX. Recently to add insult to injury I get a bill from XXXX ( who is XXXX ), I look it up and it is associated with ACS. DO I pay the Conduent bill or ACS, how do they decide etc. I need original signed ( by me ) paperwork on this loan.
Consumer complaint received 2017-02-26
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I had recieved a copy of a background check from a prospective employer, and it had wrong info on it, so I looked up the XXXX credit agencies online to get my free report from each XXXX. Transunion had the advertisement of XXXX a full report free online, i clicked on it and it didnt give me the free info, said that it was a {$1.00} to get the full report and to be able to continue to check my credit with them. So i entered my debit card info, but three months later, I was check my bank ststements for a bill charge I had paid, to see if it went thru, and noticed i had been charged by transunion 4diff times, over three months, and that I had incrued overdraft charges on my account the same days, due to not being aware that they were actually charging me for the " {$1.00} '' service. I went online to complain that i never signed up for anything other than their XXXX {$1.00} program, so i could check my history, there wasnt a way to do it online, i had to call, and the guy i spoke to said i had enrolled in a program to have acess to my credit info with them all the time, i said no, it was the program for a {$1.00}, and that they had charges me {$16.00} for the past three months and that i got overdraft charges on my bank account because of them. He stated they had nothing to do with that that i would have to talk to my bank. I said that they needed to refund the charges to me, and he said he could not, i said i wished to cancel, and he started saying all this stuff about how their program was vital to make sure i didnt get identity theft and to make sure it was 100 % accurate, i said i just wanted to cancel, he had me on the phone for about XXXX telling me all the " great and wonderful '' aspects of their program. Finally, he transferred me so i could cancel the program. I spent about 1 1/2 hours on the phone, disputing the charges and trying to cancel. After I got off the phone I called my bank, and told them that transunion was only supose to have only charged me for {$1.00}. My bank refunded the first {$16.00} charge. But i had already paid the overdraft fees, so I left it at that. But, seeing the info on your site, I figured I would put in a complaint, because it really wasnt clear that they were enrolling me in another program, and that they would be able to charge my bank account for other amounts than what i had authorized. And i think that they should pay people back for the overdraft charges if the charges were incrured because people werent aware of the additional fees they charged.
Consumer complaint received 2017-08-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (VA)

We were notified we were in Breach of contract with being two months behind on our mortgage and were given until XXXX XXXX  2017. I called to set up a payment plan to bring it up to date by the XXXX XXXX XXXX but were told they could not take single payments only the total due. Then we brought the mortgage up to date by XX/XX/XXXX and received a letter on the XX/XX/XXXX stating that we were still in Breach. Today, XX/XX/XXXX 2017 a woman was dispatched to my house to take pictures, clearly trespassing on my property and confronted by my wife, asking her what she was doing. The women showed my wife where the bank, 5/3 Bank, had instructed her to knock on the door and if nobody answered then she was to take pictures of the house. A week earlier a man from 5/3 Bank had come to the door and my son answered and showed that we were occupying the house and the utilities were on. There is undo harassment coming from this bank. 5/3 Bank is run by incompetent individuals, when you ask to speak to a supervisor you are told that one will call you back and there is never a call back.
Consumer complaint received 2023-03-13
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2022, booked a round-trip flight with XXXX ( Through Capital One rewards ) I used about XXXX miles or around {$950.00} for the flight. 

A week later, I needed the date changed on the flight. I only needed the date moved a few days. Both XXXX and Capital One gave some ridiculous reason as to the " class '' of flight not matching, and that the new flight would cost about {$3000.00} MORE. 

I explained that simply rebooking the flight would only cost me another {$950.00}, and this policy is not only non-sense but clearly fraudulent and specifically destroying any optionality on the side of the consumer. 

Neither XXXX nor Capital One cared, and because they pinned me down for an extra {$3000.00}, I had no choice but to leave it inactive, thereby NOT being able to do anything with the original flight, and losing my original cost. 

Not only is it price-gouging, but it's unethical, immoral, and likely illegal that companies can operate under these shadowy rules they create themselves to gimp money out of unsuspecting consumers. 

I have a XXXX XXXX XXXX  complaint as well, which Capital One refused for reasons they say were " explained '' to me. It's disgusting that I have to go this far to get money which is my own back into my hands. 

Absolutely disgusting. Will not stop until every single enforcement agency knows and does something about these nasty companies.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2023 I sent out an Investigation Request Letter to TRANSUNION CONSUMER SOLUTIONS by way of The United States Postal Service. Dated XX/XX/2023 Time XXXX with a Tracking # XXXX XXXX XXXX XXXX XXXX XXXX I requested a through investigation be done in regards to inaccuracies on my report and I requested to be provided with original contracts and documentation of the accounts named XXXX XXXX XXXX I also asked if the accounts are not 100 percent accurate ; through 15 U S.C. Sec. 1681i ( a ) that they be deleted.

I was never provided any original documentation to the validity of the Lates on the two XXXX Accounts.
Consumer complaint received 2023-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

There are fraudulent Inquiries on my credit profile that I did not do. ( Identity Theft XXXX XXXXXXXX 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 2023-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AL)

XX/XX/XXXX I received an email that my account ending in XXXX had reached or dropped below a XXXX balance. I checked my app and saw a few pending transactions that I did not make. From account ending in XXXX these transactions were not made by me ; XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I checked my other checking account with Wells Fargo ending in XXXX and saw a few more transactions I did not make. 
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  I immediately reached out to WELLS FARGO and was advised that there was nothing they could do at the moment since the transactions were still pending. I waited until the pending charges were no longer pending and filed a dispute for each account on XX/XX/XXXX. The SAME day ( XX/XX/XXXX ) I received an email back from WELLS FARGO stating the claim investigation had been completed for account ending in XXXX and I would receive mail with the decision. I received an email on XX/XX/XXXX that the claim investigation for account ending XXXX had been completed and I would receive mail with the decision. 

I got the mail with the decision for both accounts and was told that I, or someone I gave permission to, made the charges on my account. With what information and resources WELLS FARGO used to come to this conclusion I am not sure. I tried to explain to WELLS FARGO that I physically had my cards with me at the time of the transactions and I am located in a totally different city. I was told that the claim was final and there was no way to appeal the decision. Now my account ending in XXXX is in a negative and I'm out $ XXXX. 

I believe WELLS FARGO did not actively look into my claims and sent automatic responses based on inaccurate information, as a consumer I am disappointed and confused. There is no way I could be in 2 places at one time, I never share my PIN nor card information. I've heard of scammers stripping cards using some type of skimmer on card machines at stores consumers usually shop at. I believe I have been a victim of such and WELLS FARGO does not care.
Consumer complaint received 2023-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

There are fraudulent Inquiries on my credit profile that I did not do. ( XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX 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 2023-03-13
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. (NC)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several negative items that have been found in my credit report. I am concerned that these items are having a negative impact on my credit score, and I would like to request that they be removed or corrected. 

Firstly, there is an inquiry listed from XXXX XXXX that I did not authorize. The date of the inquiry is listed as XX/XX/XXXX. I have no recollection of authorizing this credit pull, and I request that it be removed from my credit report immediately. 

Secondly, there is an account listed with XXXX XXXX. The account number is XXXX. I am concerned that the payment status, balance, comments, payment history, and account number may be incorrect. I request that you verify this information and correct any errors that may be present. Alternatively, please remove this account from my credit report completely. 

Lastly, there is an account listed with XXXX XXXX XXXX XXXX. The account number is XXXX. Again, I am concerned that the payment status, balance, comments, payment history, and account number may be incorrect. I request that you verify this information and correct any errors that may be present. Alternatively, please remove this account from my credit report completely. 

I hope that you will take this matter seriously and take the necessary steps to correct or remove these negative items from my credit report. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Portfolio Services, Inc. (AL)

Debt was a charge off as of XXXX. Account is not allowed to be reopened. CPS continues to reopen account and mark payment history incorrectly. Since then, account has closed then CPS reopened it illegally as it shows an update in payment history which a charge off is NOT allowed to have an active payment history. This falsely manipulated the statue of limitations and must be removed according to the lawl
Consumer complaint received 2023-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2023-03-13
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Universal Recovery Corporation (CA)

I called about a debt I didnt know I had as it appeared on my credit report. I called to make a payment and was treated like trash. Was told I couldnt settle because its a medical bill when I tried getting more information and dispute facts I was met with extreme prejudice stating that I was a person who didnt pay my bills and if I paid my bills I wouldnt be in this situation. I asked to speak with a a manger and was transferred back to the same person repeatedly and he told me I was going to deal with him and I didnt have a choice in who I spoke with. I was finally able to speak with XXXX XXXX Manager her name is XXXX XXXX told me she would take my advice and dismissed my complaint regarding his demeanor since she has never received any complaints for him in 13 yrs. Then she refused to take my payment over the phone. They cant treat people like this.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCF Intermediate Holdings LLC (AL)

Letter sent and responded to Check into Cash XX/XX/23 to verify debt. They refuse to verify debt, this is not mine. I am a victim of identity theft and they have 3 accounts on my credit report they can not validate.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My sister and I were on a FHA loan. We decided to sell the home and requested our loan servicer ( XXXX  ) to place us in forbearance during that process. They agreed, and the loan was approved for forbearance for XXXX, XXXX, and XXXX of 2024. When XXXX came and the home still wasnt sold we asked if we needed to pay the entire amount due or if what was owed could be placed at the back of the loan, so that we could start fresh with XXXX payment. We were approved and placed in a trial program ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), which was to start XX/XX/year>. We never missed a payment and were never late. We sold the home XX/XX/year>. While in the trial program, the loan was transferred to a new loan servicer ( XXXX XXXX  ). On my credit report the mortgage loan reports as XXXX  days late, which is inaccurate. An approved forbearance can not be reported as XXXX  days late and, while in the trial program we were never late. I disputed this inaccuracy with all XXXX Bureaus and the information has not been updated to reflect accurate information. Due to this error, I can not buy a home now or in the near future and am forced to rent a home for my family. I have attached the proof of XXXX  and XXXX XXXX. I provided this same proof to the Bureas.
Consumer complaint received 2017-11-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (TX)

Please note this is a Followup. 

You have the originals complaints and answers to litigation and fraud elements. 

XXXX XXXX XXXX. Trustee responded that they are not involved when they sued me. 

XXXX XXXX XXXX XXXXXXXX and Caliber Home Loans, Inc. sent repetitive letters from XXXX to XXXX. 

They are all responsible for Real Rstate Fraud,  confusion regarding service and ownership service notifications. Those notices were not reflected on the Instruments from XXXX recorded at property clerk. Another name XXXX XXXX XXXX XXXX, never sent the page for XXXX XXXX that are required for borrower can review and make accurate information. Instead XXXX XXXX XXXX and Caliber Home Loans , Inc said the never had a contract with the Original Contract ( XXXX XXXX XXXX XXXX ). From XXXX through XXXX XXXX when XXXX XXXX XXXX and Caliber Home Loans Inc did an illegal transfer because there was never a transfer/assign from XXXX XXXX to XXXX XXXX c/o Caliber as new Owners. XXXX recorded in XXXX violates statutes and intentional commits Real Estate Fraud. 

The XXXX instrument is/was illegal and any instruments using that document is intentional fraud, and harassment to Original Contract borrower, Fraud to FDCRA which can only be legal if the Petitioners can verify pet statues they owned my contract. They can not do so and transferrd illegally in XXXX XXXX to XXXX XXXX XXXX. to deflect fraudulent transfer and assignment. 

All who sued me in XXXX XXXX and before have not been able to prove ownership for over 4 years and made the transfer fraudently to XXXX XXXX XXXX which include their partners in real estate fraud. 

Two class action suits against them, because letters automatically sent to " new Caliber borrower from transfer '' intentional done in XXXX ; violations of illegal statutes. 

Caliber, XXXX and XXXX XXXX XXXX. In XXXX was found guilty of charging XXXX Americans and XXXX  higher interest rates was the second litigation intent fraud. 

I have an Order to Foreclose on my property was from XXXX XXXX XXXX. and the other Petitioners which has illegal possession of my deed. It was promised my XXXX in XXXX XXXX, XXXX XXXX. 

Numerous complaints and litigation toward Petitioners sue to foreclose my house as well as others do not have any legal ownership. My legal homestead property is protected from such illegal and fraudulent group repetitive frauds. 

Please retrieve my deed and punitive damages. 

XXXX XXXX
Consumer complaint received 2017-12-02
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 (VA)

Hello, Im XXXX XXXX and Im having issues with American Express. On XXXX XXXX, XXXX I noticed fraud on my credit card. I contacted American Express to report the fraud of XXXX and the started their investigation. About XXXX weeks later I received a check and letter for XXXX and they said theyve investigated the fraud and they refunded me with a check for the full amount. 

Well one year later they said my soon to be ex wife contacted American Express saying the charges were valid which I find funny because she received half of the money. 

My wife did this just to get back at me knowing the card was in my name and it would go on my credit. Because of the fraud I got a new card and stopped using American Express because of the fraud. 

I read online that American Express has 90 days or two billing cycles to resolve the issue or remove it. Well they did resolve it with the check they sent me in XXXX of XXXX and all the fraud was resolved on that date. 

Im hoping you can help me with this because being XXXX I feel there not following the law and theyre taking advantage of me. 

Thank you, XXXX XXXX