davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Arbor Professional Solutions, Inc. (MI)

I have 2 charges from ambulance rides. At the time the two insurance companies both rejected the claim. Only a year after the fire dept turned this fees over to XXXX XXXX XXXX. The insurance company tried to rectify the situation and XXXX XXXX XXXX  turned them down. The two fees for XXXX XXXX XXXX are XXXX $ and XXXX . Both were not adjusted by either Insurance co. The final charge is for XXXX dollars for XXXX Hospital. I was at XXXX hospital during that time but the money that is owed was paid for at the time of service. Im currently getting proof of that.
Consumer complaint received 2018-05-09
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: EQUIFAX, INC. (MN)

On XX/XX/XXXX and XX/XX/XXXX some body Fraudulently applied for two loans to XXXX XXXX XXXX! I contacted XXXX XXXX about this issue and also contacted XXXX XXXX from the Mn. Commerce Dept. about these two loans that someone applied for, I reported this and also reported it to the XXXX XXXX  Police dept. XXXX XXXX  has requested several times to Equifax to remove the hard hits from my account, the hard hits are still there.
Consumer complaint received 2018-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (WA)

On XXXX18 I tried to utilize American Express 's Membership Rewards benefit to transfer XXXX of my Membership Rewards points earned through my American Express credit cards to my XXXX XXXX XXXX XXXX  account which is linked to my American Express Membership Rewards account. I was denied the ability to make this transfer, receiving the following message : " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' That same day, I contacted American Express through their online chat function and asked to resolve this issue. The chat representative was only able to say that my account is being reviewed by American Express 's Membership Rewards Team and that it will take 6-8 weeks to complete the review. This is an unacceptable time frame, as the primary value of American Express Membership Rewards is that they can be transferred to miles with partner airlines for use for award ticket redemptions. In 6-8 weeks, the award ticket that I plan to book will almost certainly no longer be available.
Consumer complaint received 2018-03-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: BMO Bank, N.A. (TX)

I had filed a complaint previously. The banks name is BMO Harris. I had vehicles repossessed. They gave me an amount to bring account current. I did the impossible to get the XXXX  they asked. I wire money to them and now they tell me I have to send an additional 20k plus to have vehicles returned. I urge the public in need of financing equipment to stay away from this bank. They are not working in your best interest.
Consumer complaint received 2018-04-26
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Immediate Credit Recovery (NJ)

Hi, I have been unable to get a valid response from their collection team. I am at the end of a very long rope. I have logged complaints on their site, with the department of ed and with FASFA. I understand that their business model requires that they maintain exuberant fees. However, I would hope that would not be at the cost of integrity. Several things keep occurring and I can not get the correct resolution. 

1 ) All my requests for accountability have been ignored. This should include any computer calculation programming ( to validate for errors ) and the itemization of how numbers were applied.

2 ) Several documents uploaded to their portal were removed by their company 3 ) The initial contact person was okay, but massively misquoted the payments. If the ONLY way you communicate is phone, then why is that person 's system so radically different from the office staff?

4 ) Why do they refuse to make contact via e-mail? I have extremely limited phone use.

5 ) I have now made 4 payments of {$370.00} to the dept of ed and my loan has not been released. Furthermore, they have stolen these payment to apply to their fees instead of the loans.

I am trying to work with what now appears like a corrupt company. Is this the image they are striving for? They will not provide me with an officer 's name at the company to discuss how to correct this.
Consumer complaint received 2018-01-25
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: Experian Information Solutions Inc. (UT)

Both my husband and I are disputing an auto loan with XXXX XXXX. We paid the loan and on the documentation, it shows the loan paid on the XXXX report dated XXXX XXXX, XXXX. I disputed this XXXX credit that showed up with it showing a repossession. XXXX XXXX andXXXX are the same company. Furthermore, XXXX backdated a deletion of XXXX XXXX on XXXX XXXX, XXXX! They deleted the correct account and kept the incorrect one. We are obviously getting caught up in a someone else 's bad car loan. 

We have tried to deal with all three bureaus and no one is deleting the incorrect information.You can see that the loan origination date is exactly the same. 

Please help
Consumer complaint received 2018-05-09
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: JPMORGAN CHASE & CO. (NY)

Yesterday when I checked my online credit card account with Chase, under my " pending '' transactions I had a {$910.00} authorization from XXXX XXXX  which I was fully ok with, and we all know that ALL " pending '' authorizations are subtracted from your available credit.. and the same holds true for when a " pending '' authorization that is no long listed under " pending '' or " posted '' should be added back to your available credit, yet this morning when I check my online account the {$910.00} " pending '' authorization was gone and was not " posted, yet my available credit was not adjusted. I spoke to Chase 3 times 1 of them a 3way call with Chase and XXXXXXXX, On all three conversations with Chase I was told that the {$910.00} authorization is still " active '' and reducing my available credit, I was told that is on their " screens '' and I responded with " the authorization is not under my " pending '' or " posted '' transactions so why is it still reflected in my available credit, and how can I reconcile my account and my available credit when the entry is missing from the information listed on my online account. They apologized to me, but could not give me any answer to my response.

Summary This is totally unacceptable and I believe " deceptive '' banking practices if not fraudulent. I am sure it is a consumers right to be able to " reconcile '' their " online '' credit card account at any time day or night by using the information listed on their " online '' account, this morning I could reconcile my " online '' account with the information listed on my " online '' account or should I say with " invisible '' authorizations that ONLY exist on " Chase 's screens ''
Consumer complaint received 2018-03-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (CA)

XX/XX/XXXX Case Number : XXXX I am filing a complaint against XXXX XXXX XXXX. This company bought a debt that I had with XXXX XXXX in XX/XX/XXXX of XXXX. Later in XXXX I started receiving phone calls from XXXX XXXX in XXXX about this debt. The XXXX XXXX employees in XXXX asked me for my credit card number to pay the debt. I didn't want to give them my credit card number and wasn't convinced that this debt belonged to me. The default date of the last payment on this account was XX/XX/XXXX. In and around XXXX of XXXX. I began receiving calls from this Company MCM in XXXX, they would call me several times during the week and ask me if I would pay this debt, I ask them where I was calling, and they said XXXX. I replied where am I calling where again he said XXXX, I stopped to think about what he just said, and I said back XXXX, and you want me to give you my Credit Card I don't think so. This went on for several mouths and a couple of years. I told them No, send me a bill, they called me in or around XXXX of XXXX I told them my situation they said ok XXXX XXXX they asked me about my Law suit I said I could not talk about it, I'll know more in a year, I never heard back until I called them in XX/XX/XXXX, since then I have found them to be dishonest in my findings. I talk to Attorney XXXX XXXX on XX/XX/XXXX, I told him that statute of limitations has ran out. He said NO, on XX/XX/XXXX he said I made a payment and I said NO, I did NOT. This account has been closed for over 8 years or more. We checked our checking account, NO records found to XXXX in our checking account stating from XX/XX/XXXX. He made this up, so the status would be affective when earlier I mentioned the default date and last payment was made on XX/XX/XXXX. There is much more to be said about their Law practice, more can be given to you upon request.
Consumer complaint received 2018-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom It May Concern TransUnion XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Todays Date : XX/XX/XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : PLEASE UPDATE MY PHONE NUMBER TO MY CREDIT REPORT CELL PHONE:XXXX Please update to the correct address XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills THESE ADDRESSES ARE NO LONGER MY ADDRESS XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX, XXXX XXXX, FL XXXX PLEASE UPDATE MY PHONE NUMBER TO MY CREDIT REPORT CELL PHONE:XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2018-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

To Whom It May Concern XXXX  XXXX. XXXX XXXX XXXX, CA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX  XXXX. XXXX XXXX XXXX, GA XXXX Todays Date : XX/XX/XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : PLEASE UPDATE MY PHONE NUMBER TO MY CREDIT REPORT CELL PHONE:XXXX Please update to the correct address XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills THESE ADDRESSES ARE NO LONGER MY ADDRESS XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX, XXXX XXXX, FL XXXX PLEASE UPDATE MY PHONE NUMBER TO MY CREDIT REPORT CELL PHONE:XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2018-04-26
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. (IL)

I contacted TransUnion about inquiries that's on my credit report they did not want to help me I typed up removal letters twice and sent them in the first time I sent it in the removal letters they removed all of them and the next day they put 38 more on my credit report the second time they refuse remove them I did the same approach I typed up removal letters and they do not want to remove them and they won't reach out to none of the creditors they say it's my job which I have and I'm telling TransUnion don't none of them have my authorization or my signature to run my credit
Consumer complaint received 2018-05-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (FL)

In XX/XX/XXXX of this year, TSI sent some paper work to the company that i work for and told them that i owe XXXX money from XX/XX/XXXX. The company that i work for contacted me and gave me there number. i talk to someone at TSi and was able to stop the garnishment. This is the second time that they have done this within two years to me. Nothing have shown up on credit report in ten years since I've been out the XXXX. I don't know how to prove it been payed for since the debt is so old. This company have been calling me leaving messages on my phone.
Consumer complaint received 2018-07-12
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN ADVISORS GROUP (FL)

The agent with whom I spoke, XXXX XXXX, mislead me into thinking there was a possibility of a reverse mortgage even tho the property ( manufactured home from XXXX ) was not eligible. I told him the type and date of the unit on the first call in mid XXXX. As a result, AAG charged me {$470.00} for an appraisal fee which was never conducted ( taken via debit card XXXX on XX/XX/XXXX ). I have been trying to get a refund of the fee since early XXXX. 

I stopped negotiations for this loan with XXXX XXXX & AAG on XX/XX/XXXX through email after finding information on AAG website about the elibility of the property. When I told XXXX about what I found on the website, he said the website wasn't always accurate. In email he indicated that he had submitted a request for refund of the appraisal fee ( XX/XX/XXXX and XX/XX/XXXX ). 

Subsequent follow up calls and emails resulted in XXXX XXXX advising me via email on XX/XX/XXXX that I had to contact the appraiser for a refund. Subsequently contacted the appraiser who had not been paid for the service as it was not performed. The funds were taken by AAG and should be returned by AAG. 

I am XXXX years old and living on Social Security with little savings. I felt a reverse mortgage would provide a safety net and was willing to invest in the counselling and appraisal to procure it. XXXX XXXX advised there was no issue with my credit rating. He should not have encouraged me to pursue the mortgage. 

On XX/XX/XXXX I received a statement of credit denial for loan # XXXX, dated XX/XX/XXXX for the reason of " Property does not meet minimum HUD standards. '' I am requesting that AAG return the {$470.00} for the appraisal fee that was not cconducted. 

I am also requesting that AAG reimburse me for {$120.00} that I spent to acquire a Certificate of HECM Counseling from Credit Card Management Services that was required to pursue a second mortgage. XXXX never should have referred me to such counselling as he was advised in the first contact call the type and date of the property. 

I have sent several emails and a letter to AAG ( attached ) and have not received any acknowledgement or response.
Consumer complaint received 2018-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Because a late payment of one day after have been notified Capital One increased the Interest Rate from 21.90 % APR to 30.65 % APR. 


I talked with them and explained that because the due date was a weekend I forgot to make the payment and I realize of this after they sent me an email telling me that the payment was delayed. They waived the Late Payment Fee of {$39.00} but did n't change the Interest Rate. 


I told them that it was not fair and I will cancel the Credit Card in 24 Installments but they want to continue charging me the 30.65 % APR. 

I wonder what penalty they paid 8 years ago when the Government have to do a Bailout of the main Banks and give them billions of dollars? 

I want to cancel the Credit Card and pay the balance in 24 installments with a reasonable and fair Interest Rate.
Consumer complaint received 2018-08-07
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: Bread Financial Holdings, Inc. (PA)

Already talk to company and told they have information I paid off the account. They told me that company did not report as hard inquire and only stated account was closed. Company was aware I closed account myself. 

This problem had occurred with two other credit card accounts all the same situation and issue as well. This issue consist of closing all the same day as well ( XXXX, XXXX, and XXXX XXXX ) after paying off weeks before.
Consumer complaint received 2018-04-26
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NH)

Kohl 's charges an exorbitant {$25.00} fee on late payments for any balance, regardless of how small. This is excessive for small balances. For example, a typical balance for my family would be {$100.00} - {$200.00}. I forgot to pay the bill before the payment was due, and was charged {$25.00}. This is a 25 % charge on a {$100.00} balance, over just a month 's time! I don't know how to figure out what the % would be over 1 year, but even {$25.00} is ridiculously exorbitant. Further, they try to promote use of their credit cards, for precisely this reason is my guess. Please help!
Consumer complaint received 2018-05-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Back when I was a college student in XX/XX/XXXX, Bank of America reported me for " account abuse '' because of an overdraft. I subsequently paid the {$120.00} I owed and I was told by the branch manager that the account was " paid in full '' and that everything was " taken care of ''. 

Fast forward to XX/XX/XXXX when I tried to open a checking account at another bank, I was denied because Bank of America was still reporting me for " account abuse ''. I am confused because five years ago in XX/XX/XXXX I paid the bank the {$120.00} I owed and they assured me everything was resolved. So I decided to dispute the XXXX entry based on its inaccuracy. 

Then when my mother tried to open a checking account at another bank, she was also denied because apparently Bank of America switched my information with hers. Recently, we visited a local Bank of America branch in order to try to get the mix-up rectified, but we were told that there was nothing the bank could do, and they instructed us to call customer service instead. 

This has caused a tremendous amount of confusion and distress for me and my mother. I want the XXXX  entry deleted from both my records and my mother 's record as well. It is completely unfair that my mother can not open a new bank account because my information has been mixed up with hers.