davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-16
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (WA)

I have been a loyal customer of XXXX XXXX for a very long time. When we received the last statement and reviewed the summary it appeared to be incorrect. It appeared to rebill a payment made against the prior statement that was paid in full. The amount in question is {$330.00} for the balance due for the XXXX 2015 statement which had been paid in full. 
Assuming the payment/credits and new charges amounts were correct then the current statement was over stated by the amount of the previous period payment that was made. Thus, instead of a new balance due of {$650.00} it would be {$310.00}. 
However, if you apply the standard accounting practice of calculating charges less any credits to identify a balance for all the charges and credits on the statement without dealing with any prior payments made or your payment in full and pay over time sub accounts you get the following : Audited Charges on Statement Agreed to = {$2100.00} Less credits shown on statement ( not incl. any previous payments = ( {$1900.00} ) Balance due {$240.00} I have tried to reconcile this issue with XXXX XXXX through written and phone communication however ; to date, XXXX XXXX personal whom I have tried to discuss this issue with have not been willing to go over the detailed math with me, have deferred the issue to someone else with no follow-up and have threatened me with fees and to report me to the credit agencies if I do n't agree. 

I would not expect this treatment from XXXX XXXX. It brings into play questions regarding reasonable customer service, a resolution process that is fair and timely, trust, ethical conduct and my consumer protection against a large overbearing company that will not reasonably resolve issues without threatening a person.
Consumer complaint received 2024-11-23
Product: Credit reporting 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. (DC)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2016-01-08
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: SYNCHRONY FINANCIAL (CA)

My complaint is against Amazon and their contract with the predatory lender, Synchrony Bank. We have an Amazon Store Card through this lender, and I will spare you all of headaches, and get to the one that broke the camel 's back : The technique of lowering and lowering the credit limit, without cause, so that there will be no cushion and, hence, it is possible for them to use their bag of dirty tricks to hit you with multiple fees that generally amount to $ XXXX {$95.00} for a {$20.00} bill. Specifics : We opened an account with a credit limit of {$1200.00}, and being big book buyers, ran it up close to maxed. They would allow us to go over a few cents, then we would be charged steep fees for " over limit, '' they would also claim that they did not receive the payment on time even when we mailed the same day it was received, and so we took care of both of these by making the payment over the phone with electronic debit long before the due date and paying the bill down to {$600.00} so that were be a cushion and they could not say this-or-that-and-so you now have to {$110.00} instead of {$20.00}. So we paid it down to {$500.00}, they simply lowered it to {$500.00}, then to {$400.00}, {$300.00}, {$200.00}. So then I attempted to purchase on Amazon for {$110.00} ; when it did not go through, we were told that are credit limit was now {$110.00}. When? As of the moment I put in an order for {$110.00}. I made another payment, of {$50.00}, so I could get that {$1.00} and put the order through ; it was again rejected and we were again charged a total of {$55.00} for " over limit '' and attempt without funds. When a bank is this dishonest, you know they are doing many other underhanded things to steal from customers. What 's more, a company as wealthy as Amazon should not be contracting with a predatory bank. I have looked elsewhere do to business, but Amazon has it locked. That is something else business should look into -- when there are no viable alternatives, one person is at the mercy of the one Corporation. 
This kind of behavior should and would be bad for business, but when there is no where else to go, they misery of the customer is of no consequence.
Consumer complaint received 2016-03-18
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CO)

I made a deposit with Chase Bank on XXXX XXXX 2015 for my charged off account in the amount of {$440.00} at my local branch. I received a receipt from the branch and did n't have any further communications from the bank so I was led to believe that the issue was resolved. Going forward much later on XXXX XXXX 2015 I had a check mistankly deposited with Chase by a third party ( State of Colorado ). Upon calling Chase Bank I was told that my account was still active, no previous payment was applied, and that they would only be returning XXXX of a check of XXXX. I then provided the customer service representative with the recipient information and was told it would be investigated and would be called within 48 hours. I did not receive any follow up within that period and reached out to Chase Bank one week later. I was then told by another supervisor that she did n't have any information and did n't reveal anything until I told her that I would be filing a complaint with the CFPB. She then told me that they were unable to locate the payment and that I would have to go into the branch with the receipt to have it investigated. I then told her that would be impossible as I am out of the state and the receipt was back in Colorado due to being out of town for a family funeral. I also asked if I could have someone email or fax the receipt and she told me that was impossible. She then told me she would speak with her manager and would call me back within 48 hours which she did n't. I then again called Chase Bank a week later and spoke with yet again another supervisor. I was told by this supervisor that there was nothing that they could do and was extremely argumentative the entire call. He proceeded to tell me that the information that the original representative walked me through to provide off the original receipt was incorrect. I asked to speak with a manager as well as provide the number for the Chase corporate offices which he refused.
Consumer complaint received 2015-07-15
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Bureau of Howell County, LLC (VA)

I have medicaid at the time of this medical service and my medicaid was fully responsible for paying the medical bill. I had medicaid at the time for me and my XXXX kids as a single dad when I lost my job in 2012. The medical provider failed to file claimed with medicaid even after I provided my medicaid information at the time of service. This is wrongful collection attempt that has significantly affected my credit and I would ask that the collection be removed from my credit file.
Consumer complaint received 2015-12-19
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (CA)

My XXXX is with Chase who recently streamlined that loan, it is current to date. 
I took out a HELOC ( ARM ) with Washington Mutual in XX/XX/XXXX ( {$85000.00}. ) .have had struggles but still found ways to be pay on time ... have always been current until this year. 
Mom Passed away XX/XX/XXXX and separated my marriage XX/XX/XXXX ... finally divorced in XX/XX/XXXX ... 
I was told the only way I could qualify for a modification is if I was in the rears at least 2-3 months ... .so I let it lapse and set aside the money then after I was denied I went into Chase to pay ( 90 days later ) they called the loan in full {$85000.00}. also put it down as a charge off ... messed up my credit to the point I could not qualify for an outside loan ... When they offered a settlement of {$30000.00} ... now they are saying if I do n't pay them $ XXXX.by XX/XX/XXXX. they will foreclose on my home. In which my college student, daughter and I have lived here for 11 years..I am a proud single Dad ... .I feel this was a bad loan from Washington Mutual in the beginning after I got more information on preditory lending and false securities, etc ... Also, during this process I was harrassed daily with phone calls even though I told them I would try to get the money ( {$30000.00} ) ... ..they also refused, to work with me after the deadline..said they would only speak with my Atty. they were soo RUDE ( XXXX XXXX ) of Chase Recovery Dept. ( especially )
Consumer complaint received 2016-01-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I filed bankruptcy back in 2010 and it has been discharged for a few years now. I let my home go and Bank of America was he lender on this. I continue to get letters from them and statements after I have asked repeatedly for them to stop sending me these. I also asked them not to call me and they call me every once in awhile. The home started to go into the forclosure process. I recently got a letter about an application being submitted in my name and I did not submit any application. Bank of America is continuing to harass me and will not stop. They completely disregarded my cease and desist letter as well after they acknowleged they recieved it. I need to stop is is causing me health issues. I am not sleeping well and I ma have constant panic attacks. Please do something to make this stop. Property Address is XXXX XXXX XXXX XXXX XXXX, XXXX WA XXXX
Consumer complaint received 2016-01-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

Today I received in the U.S. Mail a letter dated " XXXX XXXX, 2015 '' from " Equifax. '' Under the " Previous Address ( es ) : '' lived at column it states that I once lived at : " XXXX XXXX XXXX ; XXXX, California ; XXXX. Reported : XXXX. '' I have never lived in " XXXX, California '' I have lived in XXXX, California for the last 31 consecutive years. I am the victim of Identity Theft. When I called up " Equifax , '' they refused to " Delete '' this Identity Theft address of " XXXX XXXX XXXX ; XXXX, California ; XXXX '' from my " Equifax '' credit file in the Federal Credit Act law.
Consumer complaint received 2015-07-16
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY (NY)

On XXXX XXXX, 2015, Im received a cancellation email from American Express. After, receiving the email i called customer services, and then got transfer to a credit special in another department. Im ask them why my account were cancel, since i was making payment on time and my credit score and financial affairs are all good status. Agent said because my credit fall to XXXX on XXXX XXXX. Im explain to them that right at the moment i have a credit score of XXXX and do n't understand why they took this decision. Then the specially mention inquiries I 'm have done with other banks, and Im said I 'm have apply to other credit cards company during the last past days since my income have got up. Then the customer services he will take in to consideration and will give a decision within 90 days. I called today, and i spoke to another American Express agent and he said I 'm was denied. 

Im feel I 'm was discriminated and rejected for making payment on time and having a good credit score. Im have almost XXXX rewards point in less than 3 months and I 'm were trying to be the best customer and then for not reason at all they closed my account. I 'm believe I 'm lost about {$500.00} worth of reward points. Im strongly believe this is unfair and discriminatory and wonder how can you help me take this in to the next level, because what they just did it just unfair under bill of rights. Thank You!
Consumer complaint received 2015-12-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

I have an eviction on my record from XXXX XXXX Apartments in XXXX XXXX XXXX, Utah. City Park Apartments filed a retaliatory eviction against me. We went to court and settled that I would pay the remaining rent balance and not post anything online and move out at the end of XXXX 2015. I complied with everything that was agreed upon in court and in return they was supposed to give me neutral renters history. However after paying the balance which was agreed upon XXXX XXXX Apartments made extra demands for money that was not part of the settlement and have issued an eviction on my record. XXXX XXXX XXXX not only filed the illegal eviction but attempted to extort more money from me because of my military status and fear that an eviction would negatively affect my career.
Consumer complaint received 2015-11-10
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Green Square Company LLC. (LA)

There is a woman named XXXX, her extension is XXXX. The phone number to this debt collection company is XXXX. I never can get a clear answer of the name of this debt collection company, but when I did call after receiving threats from XXXX, she continued to try and get personal financial information of mine from me. She, or whoever else continues to call my mother 's house and leave information about the debt and what they are going to do if I do n't pay it. They continue to say they are going to take everything I own, going to sue me, I was talked very rudely to on the phone. I do not appreciate how this was handled. I do not dispute the debt, however, things could be done in a lot more nicer and professional manner. I would like them to cease contacting my mother 's house. I do not live there. I do not know why they continue to bother her with my personal business. The website I used to get the loan was okay to begin with ... the way people were able to get the amount of a loan needed, and pay it back on the next payday. Their policy was owing 10-15 % plus the amount of the loan. Then, for some reason, they changed their policies, not giving really any good reason as to why the change, and the website was not explanatory enough as to charging a certain interest rate per day that you did n't pay the loan back up until your payday. I kept it up for a while, until it just got so ridiculously expensive, and I just could n't do it anymore. I could not afford what they were trying to charge me and it was racking up charges left and right..just bewildering me. What I do not understand now, is why all the hostility over a debt? Why call and say I 'm in trouble, I 'm being sued, they want my financial information, they want to wipe everything out of mine, rather than it be something that just goes on my credit at the end of the day? Does it have to be this hard? I understand it is my debt, but when I can not do anything about it, and I continue to get harassed and heckled about it, even my mother 's ... should something be done to relieve my situation?
Consumer complaint received 2016-01-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion has police reports on file & I have an fraud alert on file I 'm a victim of ID theft I have had my credit pulled that was NOT authorized by me from 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 all of these were NOT authorized by me these Inquires are all Fraudulent & Fraud I demand to have these removed ASAP or give me the address or phone numbers to these places to get these removed because they were all NOT authorized by XXXX XXXX.
Consumer complaint received 2015-12-23
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ZENCO COLLECTION, LLC (NY)

I was contacted on XXXX/XXXX/XXXX by XXXX XXXX XXXX who represents " Zenoco Collects '' about a XXXX debt in XX/XX/XXXX. This debt was sold off by the original creditor and eventually paid by me. This debt no longer stands valid. That debt has been paid and satisfied. XXXX XXXX told me the IRS has sent me a XXXX form which i did n't answer and he was looking to collect for them. He was willing to settle for {$600.00}. He threatened legal action if i did not settle with him by XXXX. I asked for him to verify this debt by sending me an email with said documents, which he never sent out. I then called the IRS to see if there was any pending outstanding balances with them in which they told me no outstanding balances or litigation. Then i called XXXX XXXX back twice and he did n't pick up. I called them to complain and they hung up on me.
Consumer complaint received 2016-01-28
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Midwest Service Bureau, Inc. (KS)

I have a collection agency ( Midwest Service Bureau ) trying to collect a debt that is still tied up in a Medicaid appeal. I forwarded Midwest Service Bureau the directions and explanation by the State of Kansas to return this debt to the creditor ( XXXX ) and have the creditor ( XXXX XXXX XXXX. ) file the claim with the State of Kansas Medicaid. I have also requested Midwest Service Bureau remove the negative on my XXXX credit reports while this debt is returned to the creditor 's responsibility ( XXXX XXXX XXXX. ) to file with the State of Kansas Medicaid. In reply I received a handwritten letter from Midwest Service Bureau dated XXXX XXXX, that I have until XXXX XXXX to contact them ( Midwest Service Bureau ) in paying this debt. Midwest Service Bureau also enclosed a very unprofessional billing that appears to be a old bill from the creditor itself. ( XXXX XXXX XXXX. ) But there is large areas blacked out by a marker or something to hide something. Then below is a list of + and - dollar amounts that have no explanations. I requested a debt validation and this is what I received along with the XXXX XXXX deadline to contact Midwest Service Bureau. And no street address given. Just a XXXX XXXX XXXX
Consumer complaint received 2016-02-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (FL)

I Sent a letter to Experian on XXXX XXXX, XXXX, regarding a timeshare I purchased at the XXXX XXXX XXXX XXXX several years ago, along with a copy of a signed and notarized deed, filed and recorded in XXXX XXXX, XXXX, Tx, where I sold it on XXXX XXXX, XXXX to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX in XXXX, Tx. XXXX. XXXX XXXX failed to record the deed until XXXX XXXX, XXXX. I contacted XXXX several times to advise them of this sale and have been receiving harassing calls since XXXX, XXXX from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NC XXXX for two years, 3-4 times every week, and also they have damaged my credit score by trying to charge me for the yearly maintenance fees on the timeshare I sold two years ago. There position has been I 'm still responsible for these fees since XXXX XXXX has not paid them, and XXXX XXXX has used the timeshare.
Consumer complaint received 2015-07-15
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY (MA)

Purchased, funded and registered American Express Serve ( prepaid ) debit card on XXXX/XXXX/2015. Received permanent card with my name embossed on or about XXXX/XXXX/2015. Attempted to transfer balance electronically and was unable to do so. Spent XXXX minutes on phone with customer service rep.Was told could not locate temporary card number by name. Called back the following day after locating temp card and was told they could not transfer balance to permanent card because I already had a card.After spending XXXX minutes over two days on the phone, requested account be closed and balance refunded. Told have a check in 7 days. Sent demand letter on XXXX/XXXX/2015. Received letter ( no check ) on XX/XX/2015 dated XXXX/XXXX/2015 giving me ten days to respond with requested dox or my case would be closed Responded to request via US Postal Service on XXXX/XXXX/2015
Consumer complaint received 2016-02-12
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: RevSolve, Inc. (NM)

The company that called is revsolve inc.. The number is XXXX.. They have been harassing my personal cell number which is a do not call number. Secondly both the Representative and supervisor would not acknowledge that it was a debt collector, or.explain what there company but give me there company name.XXXX they were trying to obtain the debt. I spoke to them many times, to have my number removed from their call list. The person they 're asking for, which they gave me their information, does not have this number. I 'm not aware of all the laws, but I 'm pretty sure if you 're trying to collect a debt you have to be notified of that. Secondly I 'm assuming it 's not good practice to have a debt collector call your personal cell phone. I hope this gets resolved, and I hope the FTC or some other government agency can look into their bad practices. Thank you
Consumer complaint received 2015-06-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (GA)

My son borrowed money for his college tuition and I was the co-signer. It was our understanding that I could be released as a co-borrower after a XXXX years on time payments and my sons credit worthiness. After he graduated he accepted the loan company 's offer to postpone the payments for a few months so that he could get employed. He accepted, but by doing so, I found out that due to that, I will NEVER be released from the loan as a co-borrower. I feel that this is deceptive lending practices, evil, mean spirited and just plain wrong. His credit rating is great. He has never missed XXXX payment nor been late for several years but still, I am like a fish on a hook. Stuck! One of the " selling '' features of this particular lender was the agreement that I could be released from the loan. They should be ashamed,
Consumer complaint received 2015-11-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Credit Karma (FL)

This item was previously disputed thru credit karma and removed. Now it is with another collection agency and I never heard of them nor did they send me notification of the placement prior to reporting to my credit report. Proper notification must be made prior to placing on my CB info. I request for this to be deleted due to failure to notify me. I dispute this debt being listed. Per the fair credit reporting act, I must be notified of the account prior to placement and also if I request validation it must be sent. Remove this item from my CB.