davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-20
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 (NJ)

Because of the CodVid19. I've decided to cancel all my vacations plan until things get better. I've booked most of my vacation with American Express Travel. I booked airfare and 3 hotels. The airfare they provided me with future credit and I'm okay with that. However, the XXXX hotels I've booked which equal a total of {$1100.00} were cancel and American Express Travel sent an email that it will take 45 days to get a refund but back into my American Express Platinum. I currently have a {$700.00} balance on my American Express Platinum, which is technically slightly past due, because I was going to use the money from the cancellation toward the due amount. I've spoke to both American Express Platinum and American Express Travel. Platinum say I have to take it up with the Travel Department ; The Travel Department says to take it up with the credit card. I ended up speaking with the The Travel Department supervisor and she said that because the cancellation was initiated there was nothing they can do in their end and because of the CodVid19, what normally takes 7 days to process now takes 45 days to process. Platinum says they can't see the cancellation, and would have to wait the up to the 45 days to see it. I requested to speak to the supervisor 's supervisor. She said that person will take 7-10 business days to return a phone call to me. However, Platinum was able to waive the late fee and they said that while they understand my frustration, American Express Travel is a separate company and can not control what they do. 

My concern now is that in 45 days my account will generate another billing cycle and I will charge another late fee and possibly damage my credit. While there is a past due amount, the cancellations is over the amount that is due and I am owed the amount of {$480.00}. ( IE : {$1100.00} of cancellation - {$700.00} of past due = {$480.00} ). It's took a few seconds to charge my account when I booked this trip ; why is it taking 45 days for me to get my money back? Why isn't American Express Platinum working together with American Express Travel to make this process faster?
Consumer complaint received 2020-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

Hello, When using my USAA card to pay my dentist, the charge was declined. 

I have since learned that USAA reduced my available credit limit, after calling the customer service representative to find out what was happening ... I was told that there was " no reason '' and that this action " did not make any sense '' as my more than 30 years as a loyal customer with USAA and perfect credit, stable employment, etc etc made the whole matter inexplicable. 

Additionally I was told that there was no remedy and no resolution. 

XXXX
Consumer complaint received 2020-04-19
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NRA Group, LLC (TX)

National Recovery Agency, XXXX XXXX XXXX, XXXX, PA-XXXX asked me to pay a debt of XXXX XXXX XXXX-XXXX bill of {$1600.00} ( NRA ID # XXXX ) which I did not owe as XXXX XXXX XXXX-XXXX did not file their claim with my insurance carrier XXXX XXXX XXXX  on time. I already mentioned this fact to them on XX/XX/XXXX but without my knowledge they WRONGFULLY, UNJUSTLY, UNFAIRLY put it on my credit as 'PLACED FOR COLLECTION ' FOR NO REASON! 
I filed complaint with CFPB on XX/XX/XXXX ( CFPB Ref. # XXXX ) and N.R.A. responded on XX/XX/XXXX but as of today XX/XX/XXXX they keep dragging it and did not resolve the issue yet. They are the one who inserted negative item on my credit for no reason and they are the one who should remove it. It is their fault so they MUST remove it.
Consumer complaint received 2020-04-20
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: General Motors Financial Company, Inc. (CA)

DUE= {$310.00} owe ( 30 days past due ). My lease was due XX/XX/XXXX but dealers were closed so I didn't have a place to hand back my car. 

ACTIONS= 1. I was told to drop it off at any dealers. But all the dealers shut down their business due to the pandemic around end of XXXX XXXX I am in California ) 2. I was told to hold onto the car and " no additional charges would I apply '' since no dealers were opened. I have proofs of the texts that I sent to GM. 
3. I got call from GM in XXXX that I was " late '' and past 30 days due date. 
4. I called them, texted them on my dashboard app and texted them on my car. It was extremely difficult to get a hold of anyone. Finally, after 4 attempts, I got thru to someone today. I was transferred 4 times, spoke to 4 sales reps -- all denied that anyone said this to me. The 5th sales rep finally gave me a GM email so I can show them my texts and I will. 

I need help to handle with GM Financials. It is illegal what they are doing.
Consumer complaint received 2020-04-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (TX)

I closed on my house in XX/XX/XXXX with CMG Financial and at closing day CMG did not add the hazard insurance payment in the loan and had to make a payment out of pocket to have the hazard insurance on the house that was {$230.00}. I was told by my insurance broker that CMG was not going to pay. In XXXX i received my mortgage statement with a note added that the hazard payment was taken out of my escrow, then later on in the month i received a over payment check from the insurance. I was not notified at all that CMG was going to take money out my escrow to pay for insurance. Fast forward to this month XX/XX/XXXX when i received my statement my payment went up due to shortage in my escrow. I have only had this loan for 7 months. I called CMG 's customer service three times. The first time the representative did not want to give me more information as to why my payment went up. The second representative gave me all the information finding out that my Texas  XXXX insurance was not paid in the amount of {$1100.00}. So I have to put more money into escrow for 12 months to pay for XXXX, only {$410.00} will go towards to principle, {$530.00} will go towards my Escrow, and an extra {$95.00} will go towards the shortage in Escrow. Looking at my closing documents, Texas XXXX was included to be paid. Now i find out that it was not paid and not enough money was collected at closing via the second service representative. When calling back a third time to CMG, the customer service representative stated that she could not look at my closing documents and could not look at my county and state tax documents due to them being online with my account. The second rep was able to look at everything and let me know how much i owed and where i owed it to and my tax information. Even if i paid off the {$1100.00}, my monthly payment will be {$990.00} instead of {$860.00}. I talked to my Realtor and he told me that i received 6 % concessions that went towards my down payment, interest rate etc. Now i am wondering where did the {$1100.00} went too and why was it not paid at closing and why my monthly mortgage went up to {$1000.00} after 7 months.
Consumer complaint received 2020-04-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Inaccurate and defamatory information is being reported on my credit report. I have made several attempts to contact this company regarding the derogatory information being reported to my credit bureaus. My first Debt Validation letter was signed and received by them on XX/XX/2020. I received no response. I later sent a Non Response letter advising them to delete this negative information from my credit reports as they have not provided any validity that this debt belongs to me nor exists. This is a clear character violation and lack of validation. I have given 30 days to respond regarding my dispute with no proof in sight. How is it possible for them to continue reporting clearly Unverified, Invalidated, and Inaccurate information to my credit report? I am requesting this company to immediately remove this erroneous invalidated information from the three major credit bureaus : XXXX, XXXX, and XXXX. I am also requesting a physical deletion letter be mailed to me directly
Consumer complaint received 2019-05-18
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: Experian Information Solutions Inc. (PA)

Spoken with XXXX XXXX via certified letters. Company continues to send letter requesting additional information. Sent verification via certified mail proof of inquires on report. Company continues to request same information. Each letter cost XXXX this is my third attempt.
Consumer complaint received 2020-04-19
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8000.00}, {$6900.00}, {$11000.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XXXX  XXXX, XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6900.00} -This is not my account. 


-- CLOSED ACCOUNTS 3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

4. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-04-21
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. (CO)

Experian should not be reporting a collection/chargeoff in the amount of {$8700.00} on the XXXX XXXX XXXX original creditor XXXX XXXX XXXX XXXX  partial account number XXXX. I was away on an extended trip to California and it was during this time my roommates illegally subleased the apartment without my knowledge and/or consent. When I returned I found the apartment empty and all of my belongings were missing. I had spoken with the apartment complex manager and due to circumstances out of my control, I had no choice but to vacate the premises. I had no furniture ; dishes or clothing. They agreed that this was an event that was out of my control. Consequently, this collection/chargeoff does not belong to me and should not be reporting on my credit report. I have contacted the bureau to remove this line item from my credit report however, I have not been successful.
Consumer complaint received 2019-05-18
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. (PA)

Sent certified letter to XXXX XXXX XXXX and company failed to comply with FCRA guidelines. Requested written verification of inquiry ; no response.
Consumer complaint received 2020-04-19
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8000.00}, {$6900.00}, {$11000.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XXXX XXXX, XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6900.00} -This is not my account. 


-- CLOSED ACCOUNTS 3. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2019-05-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: BMW Financial Services NA, LLC (CT)

I need to update a payment arrangement I made in the amount of XXXX, not including late charges which total around XXXX, I believe. Payments are scheduled to post on XX/XX/XXXX in the amounts of XXXX and XXXX via XXXX bill pay, another payment will be made on XX/XX/XXXX in the amount of XXXX, I believe this covers the month of XXXX and part of XXXX. I will work on getting remainder of XXXX payment by second week of XXXX, by the XXXX. I do not know about XXXX 's payment.. Currently, I do not have a phone to call to adjust this payment arrangement, it was noted by a manager in collections prior, that rep replied to last complaint I made. Also, I need to know when account is eligible for another extension/deferral, I believe the last one was several months ago. Please note, the reason for adjustment to arrangement is due to a property tax bill on the vehicle in the amount of XXXX, which needs to be paid as it will prevent vehicle from registration renewal. In Connecticut, you are not allowed to register your vehicle if a property tax bill is due on it.
Consumer complaint received 2020-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAVALRY INVESTMENTS, LLC (NJ)

My account with CAVALRY PORTFOLIO SVCS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, account ending in # XXXX was placed for collections. This account is being handled by XXXX XXXX, a NJ based attorney. This company/attorney did not report by balance correctly as I have made 4 payments of {$480.00} and 1 for {$290.00} for a total of {$2400.00} via wage garnishment. The original amount I owed was only {$1800.00}. After repeatedly trying to dispute this on my credit report, the company/attorney never reported by balance accurately. This has precluded me from obtaining a car loan with a decent interest rate. I have documentation to prove all payments in excess of my original balance were made. I recently tried to dispute the item and yet again the company/attorney reported this account with a balance of {$1600.00}. I can not seem to have this accurately reported and the credit bureau websites will not allow me to continue to dispute the same account. I also tried to contact the original attorney XXXX XXXX XXXX and could not reach them via telephone during normal business hours. I received an automated recorded message each time I called to settle. Before I knew it, my wages were garnished.
Consumer complaint received 2020-04-19
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I XXXX XXXX and spouse suppose to got a stimulus check through the card we check the government web and they deposited the Funds on XX/XX/2020 we never received a thing
Consumer complaint received 2020-04-20
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Heritage Financial Group, Inc. (IN)

I have been laid off at the moment due to the covid 19 I have sent the screen shots from my work that has shown them that I have been off and havnt returned to work. I have already menchend to them that I am waiting for my unemployment or my stimulus check and that I will be able to arrange a payment plan and make payments on the car and they continue to harass me and mention that my car is the list to be repoed in XXXX. They have continue to send me letters in the mail. On Monday XX/XX/XXXX at XXXX they sent a gentle men named XXXX to my residence from XXXX XXXX XXXXXXXX XXXX  to make sure that the car is still here and to tell me that heritage is trying to get ahold of me which I have already known but their is no reason for this to continue to happen after I have already spoke to them about the situation and how i will be able to resolve it after i receive money. It worries me that they will take the only need of transportation that I have to get my child to his XXXX  appointments and to get his formula and wic and his diapers and wipes. It just puts so much stress on me trying make sure that I can have a vehicle to make it to work and back after the covid 19 is over to make it to work to provide for my family. I just want to be able to make sure that I can continue to provide for my family and we will be okay and reassured that I wont have to worry about losing my job or my car. The car is a XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-21
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. (GA)

( 103 True identity theft ) Equifax Confirmation Number : XXXX Company Name : XXXX XXXX XXXX Account # XXXX Company Name : XXXX XXXX XXXX Account # : XXXX I am a member of the Equifax data breach and have filed my claims accordingly. I have been attempting to clear my credit report of these fraudulent items as far back as XX/XX/2017 and have been unsuccessful.
Consumer complaint received 2020-04-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MO)

I called my mortgage servicing company on Monday, XXXX XXXX to see about options for the coronavirus situation. My household is down one income from two now, and most unemployment is being taken for child support so we are barely getting anything from that. The only thing they will do is defer payments for 90 days and then its all due, in my case {$4700.00}. If I dont have the income coming in, then I dont have anything to save up towards paying this huge lump sum in 90 days. As a XXXX Im always struggling anyways! Congress needs to do something to force mortgage companies to not do stuff like this. Tack it onto the end of the loan, that would be better than this! Millions are going to end up losing their homes! The worst day was when I was notified some years back that this company was taking over my mortgage. Ive lived in my home since I graduated from college at the age of XXXX. Im now XXXX. Since this company took my mortgage over, Ive had my payment amount just go up and up over the years. Ive had to work with them before on being unable to make payments as it is as as XXXX and now in this horrible time its going to be worse because they are offering no kind of relief, instead just a plan for failure because who is going to be able to pay thousands in a few months when their income isnt coming in!!!
Consumer complaint received 2020-04-20
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. (TX)

On XXXX XXXX I mailed a certified letter to Experian requesting proper validation of a few accounts. I called XX/XX/XXXX to verify the letter was received XX/XX/XXXX like stated by the post office. I have been disputing these accounts for over 6 months. Per FCRA 609 I requested proper validation meaning original application and identification used when account was opened. On Sunday XX/XX/XXXX I was notified that the investigation of a couple of accounts were complete. I called Experian XX/XX/XXXX and spoke with XXXX in the XXXX department and he stated all though XXXX XXXX did not provide the proper validation that was requested the account will remain which is against the law. Experian is refusing to properly validate the accounts as I requested.
Consumer complaint received 2020-04-19
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: EQUIFAX, INC. (WV)

Been disputing inquiries and credit reporting agencies dont investigate properly just send its been verified and there not sending me proof that its my inquiry. Equifax, XXXX, XXXX  and all the banks thats reporting it on my credit report is fraud. There not responding back I called with no help please help getting this issue resolved