davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NJ)

I was billed on XX/XX/XXXX in the amount of {$12000.00}, XX/XX/XXXX in the amount of {$12000.00}, XX/XX/XXXX in the amount of {$13000.00}, and for {$38.00} on XX/XX/XXXX. total fees charged {$38000.00}. 

These late fees must be credited back as all the charges and entire balance was resulting from disputed transactions due to an ongoing problem we had with these transactions with a merchant. All charges were indeed credited back between XXXX and XX/XX/XXXX, but American Express never credited me back for the interest fees and late fees associated with these charges. On XX/XX/XXXX after complaining about this, American Express did give me a small credit me {$8000.00}, but was still short {$30000.00} in fees that must be returned to me.
Consumer complaint received 2020-05-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY (OH)

My unemployment was deposited on XX/XX/2020 and about 5 minutes after I received the email stating it was deposited into my account I tried going online to check my total balance. I was blocked from logging in and resetting my password. I called immediately and was placed on hold for two hours! I get transferred to a fraud/services department all they can tell me is that my direct deposit was returned and it was a violation of their rules and I should receive an email. I email was sent. They wont confirm that my money is safe and if everything is still in my account. I cant check my balance and every last dime I had is in that account and I have no access to it. I was told to just write their P.O. Box and wait until they respond! My son is dependent on medicine and I buy it weekly! Not having access to my account and money is detrimental for us! If something happens to my son since I cant access any of my money the. Ill be forced to sue.
Consumer complaint received 2020-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

Capital One Platinum and Capital one quicksilver charged interest on {$0.00} balance. The rep said had I paid off balance before XX/XX/2020 it would not have charged interest. I paid balance off on XX/XX/2020 10 day before the statement was even available. The amounts charged on XXXX balance were {$46.00} and {$17.00}. I have since closed my accounts because I did not want to risk being charged interest on interest charges. Both of these cards did not have a monthly or annual fee. I would just like the money back that is not legally owed to them for a XXXX balance.
Consumer complaint received 2020-05-19
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

some time on or about XX/XX/2018 I lost my XXXX and fall on a hardship and lost XXXX credit line but I work it out with the bank and settle the account and canceled the debt with bank, XXXX XXXX  agree to settle the account by issues a 1099-c at the end of the year. and the account being resolution and canceled., I file a dispute with XXXX and TransUnion and they refuse to delete for my credit file.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2021-07-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accelerated Receivables Solutions (CO)

Ive called them back and my husband has called them as well to see why theyre constantly calling me. They admitted they were a debt collection agency and when I gave them my info they responded with, We have the wrong person associated with your phone number we will remove you from our database. 
That was three months ago! 
They call me multiple times a day. 
Its borderline harassment.
Consumer complaint received 2020-05-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (SC)

They keep signing me out of my account and when they answer you its case closed you have no power Im going to send all your useless answers to every senator and congress man and women I think you serve no purpose I have seen.no one you have ever helped but yourself Im going to sign the petition that all you do is waste government money I hope to XXXX  useless XXXX  lose your jobs there is no need for bums like you
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dear Creditor, I am submitting this letter because I need to have my account updated as it is being affected by LATE CHARGES. I lost my job in XX/XX/2017 and was able to keep my payments up-to-date for over an entire year. I contacted you all multiple times for help but was not told about the modification program until I was already months behind. However, I was approved and given a modification to pay XXXX per month for 12 months. Those payments were made on time. Then, at the end of the 12 month period, I paid over XXXX at once-even though I could not afford it but did not have a choice. 

I have late payments for 12 months on my XXXX, XXXX, and Transunion accounts. I was approved for the modification and it was paid ON-TIME so I am unsure why my account is still appearing negatively. I want to stay with XXXX XXXX, however, if this situation isnt rectified, then I will be forced to apply for another mortgage company so that I may start fresh.

Please assist me with updating my account so that it may include on-time payments. 


Respectfully, XXXX XXXX
Consumer complaint received 2020-05-19
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (FL)

I'm being charged for an amount of {$230.00} and I don't recognize this account. I have tried to resolve this several times in the past and have not had any solution. Please I need this removed from my credit. I'm trying to apply for a credit card. Thank you Dates XX/XX/2019 ( 9 months )
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Onity Group Inc. (PA)

I called into the PHH MORTGAGE SERVICES IN XX/XX/2020 ( like everyone else ) and got an automated system and elected to use the government mortgage relief program for Covid-19. I was suppose to be called and we were to discuss what OPTION I was going to CHOOSE. I was never contacted. And they ( PHH mortgage services ) WITHOUT MY KNOWLEDGE CHOSE THE Forbearance OPTION. I was under the strong assumption that I had many options. 

My issue right now is they also reported to the credit agencies false information about my loan. Number one : The loan should have not increased XXXX. ( they added another XXXX plus another XXXX to the loan. That was reported to the credit agency AS WELL AS THE FORBEARANCE. Also I did not choose to be in any kind of forbearance or loan modification as of yet. I was suppose to be contacted and choose the option on my own. 
My credit score decreased in value today BY 29 POINTS. With my Credit simulator my credit score would have been XXXX next month. Instead it dropped to XXXX And I have been working on getting an excellent credit rating for years now. Their were suppose to be NO credit reporting from any mortgage company during this time of COVID-19 CRISIS. But PHH reported the credit to the agencies. 

I feel I have been wrongfully serviced by PHH during this Covid-19 experience. I feel that they owe me an NORMAL loan and let me out of this predatory loan that I am in. 

Thank you in advance for your help XXXX XXXX XXXX
Consumer complaint received 2020-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

I have a issue with XXXX XXXX XXXX. I was in the process of refinancing my loan when the corona virus hit and shut everything down. I had a hard time communicating with them due to the stay at home order. I talked to multiple people and was given different instruction. I was told that I will have my payment deferred for a few months while everything gets settled. That never happened and they kept reporting me late. I understand these were tough times and that bank employees were having a hard time navigating through this. But I was misled and my credit score suffered. Now I am told I cant refinance because of it. I have had multiple loans for over 40 years and never missed a payment. XXXX XXXX need to fix this as I was a loyal customer for over a quarter century.
Consumer complaint received 2020-05-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Jacob Law Group, PLLC (MS)

I got sick in XXXX, since then I've had XXXX XXXX XXXX major, XXXX minor and countless test procedures and Dr Visits which left me XXXX unable to work which left me broke unable to pay my bills, I had two credit cards from XXXX XXXX, when I got them the contract on both stated that if I ever got ill or XXXX that it was a policy that I would not have to pay my credit card debt if I could show proof my illness or XXXX. I called XXXX XXXX and Jacobs law Firm explained this to them after my XXXX XXXX, they told me to send in my proof of illness I did, I sent them a XXXX3 page medical report documenting my XXXX  test procedures and dr visits to two different addresses bc I had two credit cards w them about 6 weeks later XX/XX/XXXX to be exact I got a letter in the mail basically saying all was forgiven ( that im gon na attach and send w this complaint if I can ) checked my credit today and realized im being sued by them and the letter that states all forgiven I received is only for one of the accounts and now they are trying to sue me for the other account and not honor the contract agreement about medical hardship that account # is XXXX I called them today and I called and they were rude we got disconnected or she hung up on me one then I called back and just got elevator music w a msg saying hold times are over two hrs so I hung up start ffilling out this complaint.. You would think w all this covid 19 stuff they would be more coorperative
Consumer complaint received 2020-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

XX/XX/XXXX contacted Capital One credit card support because I was literally 3 HOURS late. I explained that because of covid hardships I was unable pay the bill on time because I was working extra hours to stay afloat and didnt have a chance to pay it earlier, also was explained is that I have been a member for years, paid MORE than minimum each month. She ran a check on my account and noticed that I had already used a one time courtesy so there was nothing she could do. Then I asked to speak to a supervisor who said there was nothing she can could do- I asked her if there was someone higher up, she said she was the highest for this- I said there is always someone higher up- she said that there is NO ONE THAT CAN REVERSE THIS CHARGE BECAUSE ITS POLICY. The charge was {$38.00}.
Consumer complaint received 2020-05-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (AR)

I tried to get money from the ATM and couldnt. Then I checked my email and it said that my card was closed due to an violation that I know nothing of. I have money still on that card and I cant reach them by phone.
Consumer complaint received 2020-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I have a issue with Fifth Third Bank. I was in the process of refinancing my loan when the corona virus hit and shut everything down. I had a hard time communicating with them due to the stay at home order. I talked to multiple people and was given different instruction. I was told that I will have my payment deferred for a few months while everything gets settled. That never happened and they kept reporting me late. I understand these were tough times and that bank employees were having a hard time navigating through this. But I was misled and my credit score suffered. Now I am told I cant refinance because of it. I have had multiple loans for over 40 years and never missed a payment. Fifth Third need to fix this as I was a loyal customer for over a quarter century.
Consumer complaint received 2020-05-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

AS A CONSUMER, I HAVE BEEN A VICTIM OF AN IDENTITY THEFT, AND I HAVE SENT ALL REQUIRED INFORMATION TO THE BUREAUS AND REQUESTED THE FRAUDULENT ITEMS TO BE REMOVED FROM MY CREDIT REPORT. I AM VICTIM, I HAVE NEVER AUTHORIZED OR REQUESTED THESE ACCOUNTS TO BE OPENED. THE CHARGES AND THE ACCOUNT ARE NOT MINE, I HAVE NVERE RECEIVED THESE CARDS I HAVE NEVER USED THESE CARDS, AND AN MY AGE I DON'T NEED ANY CREDIT CARDS.
Consumer complaint received 2020-03-27
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. (FL)

TODAYS DATE:XX/XX/2020 XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX Reported : XX/XX/2020 XXXX/XXXX Reported : XX/XX/2020 Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion,  Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

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


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2020-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND A FEW ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I HAVE ALWAYS BEEN VERY CAREFUL WITH MY CREDIT AND KEEPING A GOOD CREDIT HISTORY. 
I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE.
Consumer complaint received 2020-03-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Lloyd & McDaniel, PLC (TN)

Man showed up in plain clothing to my home waited for me to pull in my drive way dropped paper work off from Lloyd and McDaniel did not give his name. Took pictures of my home and my children without my permission. I called the company and have not received a phone call back. The man gave me paperwork stating that I had a court date and that they would pass a judgement on me.
Consumer complaint received 2020-03-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY (OR)

Having used the Amex BlueBird card for many months to receive my monthly direct deposit Social Security payment, I received an email from them on XX/XX/2020, notifying me that the account was closed and locked because I had violated section 22-d of the User Agreement. 

I am now unable to access my account by Iphone app or direct website login. 
I called the number listed in their notification email. After waiting 26 minutes I spoke with a female rep with a very thick XXXX accent who was very difficult to understand. 
After providing all of my identifying information she read a script saying account lock and close was a " business decision '' by Amex based on section 22d of the users agreement and that I will be mailed a refund check in 7-10 business days. 
She said she was in the fraud division and that there is no confirmation number or email available to confirm our conversation. 
I called the main customer service number listed on the card. After waiting, a robot answered stating my account is locked Goodbye and ended my call.
Consumer complaint received 2020-03-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Kentucky Higher Education Assistance Authority (TN)

KHESLC is telling me, that my account doesnt qualify for the student loan interest waiver due to COVID 19. My loaned are not FFEL loans, they are federal loans ( they were taken out prior to 2010, but still federal loans ). KHESLC states they arent eligible. How is this possible, the interest rate should absolutely be waived for The duration of the period outlined in the COVID stimulus bill. My account # is XXXX. My name is XXXX XXXX XXXX. Please assist.
Consumer complaint received 2020-03-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (PA)

I have been trying to be complaint with my lender for I don't know how many months now trying to get help to save my home! I even have a counselor XXXX XXXX who has tried to work with them but they keep messing up my paperwork. 

I have advised the lender that I am not self employed and they closed my most recent review about two weeks ago because they said they did not receive my pay stubs and profit and loss. Well I am not self employed and I had already sent them pay stub. 

There is a never ending cycle of document requests and no resolution to my hardship.
Consumer complaint received 2020-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was made aware of some inquiries on my credit report that do not belong to me today XX/XX/20. The way I found out about these inquiries was because I applied for a credit card and I was not approved because of these inquiries. I did not allow any of those companies to run or access my credit nor did I allow anyone to make these credit inquiries in my name. I did not benefit anything from these inquiries that were made in my name without my permission and I have already filed a police report and I contacted all of the creditors listed on this report.
Consumer complaint received 2020-03-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONTRACT CALLERS INC (IL)

The only way I learned of this debt collection was that it was reported on all three of my credit reports. I disputed this several times on XXXX XXXX and XXXX XXXX   removed it from my report. However, TXXXX and XXXX  are being difficult and not removing this after I replied that I have no knowledge of this account. I never received any information regarding this debt by phone or in writing.
Consumer complaint received 2020-03-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Solar Mosaic LLC (CA)

We added solar batteries to our home, the solar company used a lending company, we have a completed and signed loan agreement with that loan company. 
One month later, we received an email saying we needed to re-apply, because the fees weren't correct on the loan, even though the loan included finance charges on top of the APR. The email from the solar company stated extra fees were required. 

We feel this isn't a fair lending practice by mosaic loans. 


Thank you for your attention to this matter.