davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

I opened an American Express card in XXXX of this year. My XXXX payment was due on XX/XX/XXXX and I scheduled and made the payment electronically as I do with every merchant I deal with at my bank ( XXXX ). The payment was made as schedule, but Amex claims that didn't receive it on the XXXX. Because of this, they charged me a late fee of {$29.00}, interest of {$240.00} and cancelled XXXX points that I had earned with their card. I called their customer service to straighten everything out, but was refused help. I was told my the service rep and her supervisor that their system would not allow a reversal of the interest and that there was no one who could help me. They suggested I write a letter to the corporate office and refused to provide me with a path to resolution saying there was no one else I could call and no one to email. When I mentioned that misapplying this interest was paramount to theft, they became agitated and told me to write it in a letter and mail it to their corporate office. I have offered to share with them proof that the payment left my bank on XX/XX/XXXX, but they said they don't want it and there is nothing more that can be done. I feel two key issues have occurred that must be addressed. 
* Amex stole {$240.00} from me and refuse to give it back * When offered proof that the payment went out, Amex stonewalled my efforts to tget this resolved and basically told me to " get lost ''. They refused to help any further and would not give me any additional info to resolve my issue.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name- XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C. 1681 section 602 A- States that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2- It states that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( A ) ( 5 ) Section- states that no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than the records of convictions of crime which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C. 6802- states that a consumer is required to receive an opt-out notice at the time that the account is created and being reported.
Consumer complaint received 2021-12-19
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (PA)

I have a homedepot credit card that I opened to replace window in my home had an introductory rate of 0 % for 24 months. When I opened this account I was under the understanding that when the promo rate expired then I would be charged 25.99 % in interest. I got my latest statement and was fuming to see that they are charging me XXXX in interest. I have a balance of XXXX on the card this interest is more than half the balance. I called and spoke to a representative and stated there is a mistake in interest fees. She told me they calculated the interest from the start of the promotion to when it expired and it was cumulative, I said this is more than half the balance of the card and was unaware they were going to do this. I states if I look at the interest this is not 25.99 % its more like 50 %. She said she would not help me. I looked at my statement and read how they calculate fees and it is not clear anywhere that they Accumulate interest on any promotional balances. First this company is not honest in there promotions and what they do with them, second I took a look at my credit limt on the account they lowered it from XXXX to XXXX no notification at all no letter, no email. Second this takes me over the credit limit all the time where I would get charged an over the credit amount fee. Why would anyone in there right mind agree to a promotional rate and then pay an exorbitant amount of interest when that runs out.I thought it just went to 25.99 % interest when it expired. I need help with this company I feel s ripping me off.
Consumer complaint received 2021-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2021-12-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management (PA)

I recently viewed my credit score and seen I have a hard inquire for an emergency room bill from a debt collector amerifinancial solutions for {$1400.00} that was opened on XX/XX/2021 Ive never received any letters regarding this collection. If i want mistaken I thought ER bills couldnt go in your credit due to hippa rules. Im unemployed and dont have that kind of money to pay. I went to the ER in XX/XX/2021 they should at least contact the person before effecting their credit in todays economy
Consumer complaint received 2021-12-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A. (FL)

I was attempting to get a medallion signature for my XXXX XXXX annuity claim after his death on XX/XX/21. Not only was I dismissed by XXXX XXXX on multiple occasions, but he was poorly informed and did not provide the assistance needed to get a notary signature. 

I was an intermediary between XXXX XXXX and XXXX financial. This started in XXXX and required XXXX visits to the PNC bank in XXXX XXXX. The issue was that XXXX XXXX insisted on a complete statement from XXXX XXXX showing the annuity was invested in a security. XXXX stated they could not do that and felt that it was unnecessary. I have XXXX XXXX who did not have to go thru this harassment and were able to get their claim satisfied which is why I am reporting XXXX XXXX 's behavior. 

Finally, I was helped by someone other than XXXX XXXX and was able to get a notary signature. I was told by XXXX XXXX  that a medallion signature was not necessary despite XXXX XXXX 's insistence. All that was required was my driver 's license and validation of my signature. 

It has been difficult enough to lose my XXXXXXXX and another to be treated with such disregard. I am XXXX XXXX XXXX and have never filed a complaint against anyone. However, his behavior needs attention and XXXX XXXX needs sensitivity training and reeducation on how to handle annuity claims.
Consumer complaint received 2021-12-18
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: Experian Information Solutions Inc. (VA)

XX/XX/2021 Certified Letter Sent to XXXX XXXX XXXX XXXX XXXX and Demand for Removal XX/XX/2021 Requested Response Letter Sent to XXXX Follow Up on Demand for Removal XX/XX/2021 Final Request Demand for Response My name is XXXX XXXX. I am contacting you on behalf of myself and no one is assisting me. I have contacted via certified mail XXXX, Experian, XXXX on 3 separate occasions with no response or removal. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts. 15 USC & 1681 c-2 Identity Theft
Consumer complaint received 2021-12-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (GA)

My loan was sold/transferred in XXXX. I wrote the new service company in XXXX explaining my property tax bill arrived and was due in XXXX. I emailed them the bill as instructed. I did this several times. I kept getting " we'll get to your email soon '' messages, but this dragged out for months. Several times I got emails that said, " This letter is in reference to your inquiry regarding your taxes received on XX/XX/2021. Please know that we are diligently working to provide a resolution and will send a follow up soon. We appreciate your business. '' Soon never came. I finally called a couple of times and after insisting my problem get addressed, I was transferred to XXXX XXXX. I gave XXXX all my information and was told the bill would get paid. That was on XX/XX/XXXX and the bill was due XX/XX/XXXX. My property tax bill was paid LATE and I got hit with {$19.00} interest fees for being late. I followed up and was told " I have opened a request for this to be paid. The fees will not be charged to your account. I will keep you posted as to when this has been paid. '' Yet a month later, nothing was paid. I finally paid it myself because it's clear this agency is completely incompetent. But I want my money back for their mistake. LET 'S BE CLEAR.. I PAID THE {$19.00} LATE INTEREST. IT WAS NOT HOMEPOINT. I WANT A REFUND FOR THAT PAYMENT AS IT WAS NOT MY FAULT. HOMEPOINT LIED AND SAID THEY PAID THE LATE FEE BUT DID NOT. I HAVE MY CREDIT CARD STATEMENT TO PROVE I PAID IT. I also want service that doesn't take 2 months to get a reply to questions. Ideally, they could sell my loan and just annoy the other customers they have. I doubt they'll change and actually start helping customers.
Consumer complaint received 2021-12-14
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. (LA)

Good day! I am XXXX XXXX and I have been sending letters to report accounts on my credit report that are inaccurate. Also the inquiries that I am not aware of is giving me a hard time. I have been sending letters to verify these and I received no response but yet it is still in my credit report and it is hurting my score.
Consumer complaint received 2021-12-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

XX/XX/XXXX I began the process of refinancing my mortgage. The payoff statement came back stating that I owed {$15000.00} in addition to the unpaid prinicipale balance of XXXX for a total of XXXX. 

In XX/XX/XXXX, because my mortgage was under water and payment too high, I entereed into a Shared Mortgage Modification with XXXX XXXX XXXX, my understanding was that the deferred amount would not have to be repaid and was not subject to interest if mortgage was paid on time. [ Please see Loan Modification Agreement page 2 section 2 B, C, D. ] My concern is that if this amount is/was forgiven, why am I obligated to pay it back? I have met all requirements and have never been late paying my mortgage. 

I am asking for assistanace in clarifycation and being reimbursed the {$15000.00} from Select Portfolio Servicing the company that now services the loan and made the determination that I owe the additional funds of {$15000.00}. 

Inaddition, On XX/XX/XXXX I requested an explination of why I had to pay the additional funds, in XXXX a comment was placed on my credit profile which dropped my XXXX XXXX XXXX points. The statement said " I disputed the information '' which is not true, I simply asked for an explination of why I had to pay the additional funds and the inquiry was closed. I am refinancing and leaving this company and need to have this information removed from my credit file. 

I signed closing documents on XXXX XXXX, XXXX and funds will be dispersed to SPS on XXXX XXXX, XXXX. 

I am not sure who the actual holder of the mortgage is, at one time I it was XXXX and now it is sposed to be XXXX XXXX. I was unable to obtain additional information such as account number etc. 

Please help me to resolve this issue.
Consumer complaint received 2021-12-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (CA)

I refinanced my home loan and my loan was sold to BSI Financial Services. On XX/XX/2021, BSI sent my insurance payment to the wrong company. They confirmed it was their mistake and as of XX/XX/2021, they have yet to make the payment. They stated they would not make payment until they were reimbursed from the company they incorrectly paid. The answer they gave me was to make another payment from my escrow account and raise my payment until they received reimbursement from the company they paid incorrectly. They gave me incorrect check numbers and USPS tracking numbers for mailed payments that were never mailed. Terrible customer service.
Consumer complaint received 2021-12-20
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. (MD)

I never authorized such actions, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact and investigate each inquiry of such occurrence that I did not give permission for and from my understanding of the FCRA a company must have permissible purpose to pull my credit report. 

Please send the names, business address and phone numbers of those who made unauthorized credit inquiries that you spoke directly to during your investigation. Please include the name of the person who pulled my file, the date I gave permission, and the method that I gave permission ( all documents of this said permission ). 

Upon completion, send me a complete full updated printed copy of my entire credit report. As I understand it, there should be no charge for this.
Consumer complaint received 2021-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-12-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

On Tuesday, XX/XX/XXXX a credit pull showed XXXX collections from XXXX XXXX. Not ever having services with XXXX XXXX, I called them to ask what they were reporting. The XXXX that assisted me could not find any information under my name, drivers license number, nor my social security number. She then advised me to call the collection agency which XXXX XXXX uses, which is Transworld Systems. On speaking with Transworld Systems, they also had no idea about the XXXX accounts in question. 
The amounts for these accounts are, {$530.00}, {$470.00}, and {$200.00}.
Consumer complaint received 2021-12-19
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AZ)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, XXXX, and Experian  about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2021-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX is still reporting an open personal loan with and $ XXXX balance that was paid off over 90 days ago. This is affecting my Debt to income when Im trying to buy a new home. Ive tried to resolve this with XXXX and their representatives are completely incompetent.
Consumer complaint received 2021-12-19
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: EQUIFAX, INC. (GA)

Dear XXXX, Equifax, and XXXX - After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. 

This is my second time dispute this account and I have not receive adequate updates on the status of my disputes. 

( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed. 

The items in the letters attached should all be removed from my consumer report under 15 US Code 1681i ( 6 ) as it has been over 45 days and you failed to comply. 

under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Consumer complaint received 2021-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have made several requests via mail disputes for TransUnion to help me with this unverified/inaccurate reporting on my credit file. I am now coming here to submit an official compliant and hopefully this information will be updated/deleted from my TransUnion credit report. I am taking this very seriously and want these accounts to be fixed/removed. Pease see attachments. Fair Collections should be deleted from my credit report because of several inaccuracies/missing information with the reporting of this account such as date of last paid, balance, status, recent payment, high balance to name a few. Milestone should be deleted as there are inaccuracies in payment history being reported. XXXX XXXXXXXX payment history should be updated as i have attached a letter from the furnisher and have tried to notify TransUnion with the letter to update my account but they have yet to fix it. There are several inaccuracies with an account called XXXX XXXX being reported on my credit file, including past due amount being reported on a collection account. This is a violation and I want this account deleted immediately. Thank you for your help Delete account Fair Collections Delete account XXXX XXXX Update account XXXX XXXXXXXX Delete XXXX  XXXX
Consumer complaint received 2021-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means XXXX has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : CREDIT COLLECTION SERV ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX
Consumer complaint received 2021-12-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX, a number was mistyped on a XXXX transaction. The recipient in error was contacted and they instructed their bank to withdraw the funds from their account so that Chase can request for it back. I sent a message on the Chases secure message portal with all the information ( recipient name is XXXX, the mothers name is XXXX XXXX ). We have been trying for over two months to get Chase to request the funds back and they will not do so or help in any way. 

I spoke with the Claims Department on XX/XX/XXXX, and was told that it will take 2-3 weeks to claim the funds back. I waited and called on the XXXX of XXXX after the funds was still not in my account. I was told that they will reopen the claim and call back. I called back on XX/XX/2010 & XXXX, XX/XX/XXXX & XXXX, went to the XXXX branch on the XXXX and called again today XX/XX/XXXX. Spoke to a supervisor who told me that at this point Chase will not and can not do anything to recover my money that is being held by the other financial institution unless we send a subpoena to Chase. 

Chase participates in XXXX and willingly helps move the funds, but washes their hands if something goes wrong and has been utterly unwilling to help resolve this matter. We dont even know what bank has the money. Chase does, but they cant tell us for privacy reasons. They wont even ask the other bank for the money because it was our error, so they dont want to get involved. They created this form of funds transfer. They should help resolve it without having to resort to legal options, but they dont seem to care one bit about their customers.