davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2016-10-05
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (CA)

On XXXX XXXX 2016, I was on a business trip in Illinois. I called XXXX XXXX, my flight carrier, to change my return trip to XXXX. I was originally scheduled to fly back the next day, but I wanted to fly back that same day instead, if there 's any flight available. The XXXX XXXX customer service rep initially said that there is a flight available on that same afternoon and she could change my reservation but a change fee of {$220.00} would be incurred. I said sure go ahead make the change. After she made the change and my Amex credit card was charged with the change fee, she came back and said that she made a mistake and the flight that she found was from XXXX to Illinois, not Illinois to XXXX. I told her to undo the change to my reservation and she did. My flight reservation was back to the following day as it was originally scheduled. However, she said that she 's unable to reverse the credit card charge and she will instead send me a travel certificate good for one year. That 's unacceptable to me since I have no plans to fly XXXX within the next year nor can the travel voucher be used for a non-XXXX flight. Since this is completely not my fault, I feel that anything less than a full refund to my credit card is unfair, which is why I immediately disputed this charge via my credit card provider, American Express. On XXXX XXXX 2016, American Express closed the dispute without sending me an explanation. Upon my calling their customer service center, I was informed that they do not have the ability to compel the merchant to reverse this erroneous charge and that since the merchant has refused to do so, I am liable for the charge. I feel that I am left with no choice but to appeal to the CFPB for help in this matter. Thank you for your attention.
Consumer complaint received 2015-06-11
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY (FL)

On XXXX i noticed that there was a transaction that i did not recognize on my credit card account for XXXX. I called American Express Bluebird to report the transaction. At the time i was advised that they would not be able to start an investigation until the transaction posted to the account. I had been monitoring the account and on XXXX/XXXX/2015 i notice that the funds were charged and so I called American Express. Up until that point they were not able to supply me with information as to were this transaction took place. To date they have refused to supply me with this information. On XXXX/XXXX/2015 in our conversation they advised that in order for them to initiate a fraud case i needed to fill out a declaration of fraud. In the email it advises me that it may take up to 45 days to investigate. I was going to fill this document out and email it back the following day since I was at work at the time. On XXXX/XXXX/2015 I received an email stating : " Recently you inquired about your charge ( s ) from your American Express Prepaid Card in the total amount of {$530.00}. Based upon our investigation we have determined that no error occurred and that transaction in question was authorized '' sequentially I received another email on the same day minutes apart stating : '' During a recent review of your Account, we noticed activity that was in violation of the Bluebird Member Agreement, section : Section XXXX Due to the violation, your Account has been closed. '' when called to inquire I was told that no information was able to be provided since the account was closed. I inquired as to what factors and evidence did they use to determine that the transaction was not fraud I was told that i needed to call the police and they will provide that information to them -, I called as a last resort to this complaint and spoke to XXXX rep XXXX to get what was the main office address for American Express and was advised that he was not able to provide me that information, however he did advise that the XXXX for an investigation was that they needed the XXXX returned to be able to initiate the fraud investigation. when Questions as to why if I had not yet replied I receive the above mentioned email he was unable to respond. I then asked what bank was the credit card company affiliated with he was unable to provided me with that number. I called again and all of the mention information including the fact that they could not open a fraud case unless the XXXX was received was confirmed by XXXX rep XXXX. I then tried my luck with a supervisor and was told that they would only disclose information to a police officer.
Consumer complaint received 2016-02-15
Product: Prepaid card — Transit card
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY (NC)

American Express Serve provided a free {$50.00} Card when purchasing an iPhone at XXXX. I used the money the same day and called several times to close the account. I was told the account was closed after dozens of hours and nearly a year later. Months later, I started getting emails that they now charge a {$4.00} monthly fee and I now owe money on the card. I ca n't get them to close my account after trying many times for the past year.
Consumer complaint received 2016-07-27
Product: Prepaid card — ID prepaid card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (CA)

On XXXX XXXX, my Bluebird American Express account was subjected to XXXX unauthorized transactions totaling {$1200.00}. The charges took place at XXXX XXXX XXXX, North Carolina -- a state I have NEVER been to. I live and was in XXXX XXXX at this time. The physical card was in my possession and I have never supplied my card number to another person. Therefore I believe I was the victim of card skimming. 

I noticed the charges that afternoon ( XXXX XXXX ) and immediately notified Account Protection Services. My existing card was cancelled and a replacement was issued to me. I called back on XXXX XXXX once the XXXX charges had cleared in order to file and begin the dispute process. I followed proper protocol as outlined by American Express and supplied all information that was requested for the investigation. On XXXX XXXX, I received an email notification that my dispute had been declined along with another email that my account had been permanently closed ( blocking my access to over {$1500.00} in funds ). I filed a police report the same day, faxed a copy to Account Protection Services, and called to request that the dispute be re-opened. I was told the investigation was complete, case was closed, could not and would not be re-opened. A supervisor, XXXX, suggested that I contact XXXX directly to dispute the transactions and request reimbursement. On a subsequent call XXXX XXXX, I spoke with XXXX again and demanded details of the investigation, which I 'm entitled to as a cardholder. I was told affirmatively that no information would or could be provided to me and the decision was final, and the call was terminated by XXXX. On my last call to American Express XXXX XXXX, a customer service rep said that I could a letter in writing to their XXXX to request details of the investigation and request my dispute be re-opened. I sent this letter via certified mail on XXXX XXXX, along with a copy of my police report, declaration of fraud form, call records and photo evidence of my location in XXXX XXXX on XXXX XXXX. As of XXXX XXXX, no response has been received. This is a blatant disregard of my rights as a cardholder, as outlined in Regulation E of the Electronic Fund Transfer Act.
Consumer complaint received 2015-08-13
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: TRANSWORLD SYSTEMS INC (MD)

I was attending XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. I read about the school closing so I withdrew on XXXX/XXXX/2014. My Federal Loans are qualified to be discharges since I withdrew after XXXX XXXX, 2014 but I still have {$9200.00} in private loans to pay off. My private loans were from XXXX XXXX but they transferred my loans over to University Accounting Service , LLC . I would like to know if there 's anything possible I can do to relief my loans or some of my loans. I was able to transfer some credits out but not all. I was not able to continue my XXXX program so I am currently in a different program. If someone can please help with this situation, I would be very grateful since I could not get any information on private loans.
Consumer complaint received 2016-04-04
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (CT)

NCO Financial Services is robo calling my home at least 4 times a week including weekends. The phone number they are calling from is XXXX. I do not have any debt. These calls are annoying and I consider them harrassment.
Consumer complaint received 2016-05-19
Product: Prepaid card — Mobile wallet
Issue: Fees — 
Company: AMERICAN EXPRESS COMPANY (CA)

Received {$50.00} prepaid card AMX when bought cell phone 2 years ago. Exp. XX/XX/XXXX on card. Went to use yesterday, and find out they have been charging {$4.00} per month fees since XXXX 2016, and now I have almost no money left. They claim they emailed with info. I never received said information ; and had changed my email address. I never thought to inform them, since it was a prepaid card. They say tough, they informed everyone via email they had on file. Never received anything in writing by mail. Seems like these fees should be documented via return receipt verification. They will not reimburse the fees. Funds do n't expire, they just steal the money using what they call legal fees. I would have spent the money earlier if I had known the fees were adding on there. Outrageous that these CC companies can charge this on prepaid money.From : California Code of Civil Procedure Title 10, Chapter 7 - Unclaimed Property Law 1522. 
Deduction of Fees No service, handling, maintenance or other charge or fee of any kind which is imposed because of the inactive or unclaimed status contemplated by this chapter, may be deducted or withheld from any property subject to escheat under this chapter, unless specifically permitted by this chapter. 
Even when specifically permitted by this chapter, such charges or fees may not be excluded, withheld or deducted from property sub ject to this chapter if, under its policy or procedure, the holder would not have excluded, withheld or deducted such charges or fees in the event the property had been claimed by the owner prior to being reported or remitted to the Controller.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2015-06-09
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

XXXX recovery with this phone number XXXX XXXX of many of there numbers. Keeps calling and sending me mail attempting to collect depts that are over the statute of limitation and these debts where settled with the original creditor XXXX XXXX for a settlement amount and paid off. At XXXX point in XX/XX/XXXX or XX/XX/XXXX the went as fair as to try and take me to court for the outstanding debt where the attorney did not show up for court as the debt was paid and also the statue of limitation has expired on all these. They hold many account they are attempting to collect and all these debts are either paid or expired by statue of limitation in Michigan where i live. They are not on my credit report as last I check but will look at it again to make sure it is n't. This company is notorious for buying up large chunks of expired debt and them harassing, treating and even saying they have issued a warrant for arrest if the debt is n't paid. Personal I feel the XXXX fine which is all you can get if you sue them is n't enough of a deterrent to stop these barbaric and illegal collection practices. I want them to stop it 's been at least 7 to 8 years since I went to court to have this thrown out and I should n't have to screen my phone calls or get junk mail from them several times a day and even on Sundays ( phone calls ) If you need more information regarding which accounts I can look that up. Thank you
Consumer complaint received 2016-07-05
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MS)

I had a debt that was owed to XXXX. The account was bought by a debt buyer. The debt buyer hired an attorney to collect the debt. They filed a lawsuit. I paid the debt and the courts dismissed the case. The attorneys office also sent a letter stating the debt was paid. The debt buyer continues to report money owed on my credit report. I provided them with the same documentation that I am providing to you. I have disputed this information on XXXX times. they continue to say I owe them money.
Consumer complaint received 2015-08-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

Our loan was recently transferred to GreenTree Servicing. In the transfer process, a {$1000.00} principal payment was lost and removed from our account. I sent all payment history verifying the payment was received by the previous provider and now GreenTree is holding the payment along with another {$1000.00} principal payment rather than applying it to the balance of our loan. I have contacted Greentree XXXX times with regard to this problem and have received no resolution. I believe this a a violation of our Loan Agreement per the following : '' I have the right to make payments of Principal at any time before they are due. A payment of Principal only is known as a " Prepayment. '' When I make a Prepayment, I will tell the Note Holder in writing that I am doing so. I may not designate a payment as a Prepayment if I have not made all the monthly payments due under this Note. 

I may make a full Prepayment of partial Prepayments without paying any Prepayment charge. The Note Holder will use my Prepayments to reduce the amount of Principal that I owe under this Note .... '' Are there any actions we can take to get them to apply the funds to reducing our principal?
Consumer complaint received 2015-06-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (GA)

XXXX XXXX has placed a collection debt on my credit report for XXXX bureaus in the amount of {$1600.00}. I do not owe this debt. I ended my contract early and relocated to T mobile. Then XXXX charged me for the total amount of the contract. when I dispute this account with the credit bureaus the dispute comes back verified. when I dispute the account with the Collection agency XXXX I do n't received any proof that I owe this debt
Consumer complaint received 2015-04-14
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I XXXX XXXX paid XXXX creditor Capital ONe NAre : Kohls department stores account ending XXXX reference # XXXX I paid {$560.00} the settlement amount they were going to delete this from my credit and this is still showing I paid back on XX/XX/XXXX and today XX/XX/XXXX still showing I deserve better credit consumer protection cheched mailed to XXXX FL XXXX check # XXXX today XX/XX/XXXX called spoke with XXXX for few minutes then she hanged the phone tried many times never answer the phone I re-tried asked to speak to a manager they hanged the phone XXXX more time. is this a true company XXXX credit capital one for kohls department stores inc a valid company they took my {$XXXX} in XX/XX/XXXX as consumer I deserve better consumer protection. XXXX XXXX XXXX married name divorced main name now XXXX I paid this account to delete records from my credit report.
Consumer complaint received 2015-06-22
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: LEXISNEXIS (NC)

XXXX Reports shows XXXX Inquiry Type " yes '' that was my request and responsibility seeking telecommunications services ; therefore, Lexis Nexis XXXX. XXXX XXXX XXXX, GA XXXX tel : XXXX has made decisions on or about my credit report/ score. 

Also including payment for " CREDIT SCORE '' saying at least XXXX or 0 % which I pay for, I can not build credit score is impossible because of not have a Grade Range or having a fair chance..
Consumer complaint received 2017-02-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (AP)

In XX/XX/XXXX, I purchased a home in XXXX, AZ while on XXXX XXXX in the XXXX XXXX XXXX. I received mandatory permanent change of station orders to XXXX in XX/XX/XXXX, upon which time I rented the home, but once the renters moved out and the market tanked, and due to a loss of income after my wife lost her employment during the move, I began processing a short sale of the home in XX/XX/XXXX. Since XX/XX/XXXX, I have had XXXX buyers for a short sale and on each occasion, the XXXX mortgagers did not come to agreement and thereby causing the short sale purchasers to abandon the purchase. On each occasion, particularly after the short sale was denied, the servicing mortgage company sold ( XXXX transferred ) my mortgage to I presume the highest bidder. This is evident now as I submit my second complaint because, yes, my mortgage has been sold ( aka transferred ) yet again to Shellpoint Mortgage Servicing. And now, XXXX ( XXXX ) years later - as of this complaint, I still have not had success selling this home and the home remains vacant since XX/XX/XXXX.
Consumer complaint received 2015-08-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credence Resource Management, LLC (IL)

I keep getting debt collection papers in the mail from Credence Resource Management. Credence Resource Management says they are trying to collect a debit for XXXX XXXX XXXX XXXX. I have never been a customer of XXXX XXXX XXXX XXXX period. Letter says that we owe XXXX but will settle for XXXX. This is not my debt.
Consumer complaint received 2015-07-01
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (WA)

XXXX XXXX 2015 a short sale package with all supporting documents was faxed to Shellpoint mortgage. The negotiator and management at Shellpoint do not return calls or provide status updates. As of today the file has been with the investor for possible approval for over a month with zero follow ups or updates to me. They do not return calls and do not keep track of documents nor do they negotiate in good faith. I have been working short sales for 9 years and am blown away at their lack in communication or consequences behind not working files properly. They need a serious overhaul and should be required to train their staff.
Consumer complaint received 2016-09-11
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc. (AL)

XXXX XXXX, my XXXX XXXX XXXX was totaled. XXXX paid XXXX over {$14.00}, XXXX for the car. Well, I assumed the care was paid off and I owed nothing. Back in XXXX XXXX, I started to receive noticies from NCB Management. I really thought it was a scam, until I finaly contacted XXXX. I contacted NCB Management, and proceeded to make monthly payments, which began in XXXX XXXX. NCB Management, after being paid each month, was still reporting my account as not being paid and reported at first as a new account and then change to collection account with the original creditor being XXXX for little of {$6000.00}. But, it strange that the balance was going down on the account. I have statements and emails stating that the account was being paid, but still stating that it was closed and never paid. I recently contacted NCB Management, after they sent the payment for XXXX XXXX back to the bank, they state that the account been closed since XXXX XXXX for non payment. Now I am getting these harassing calls stating that my payment was returned and I need to contact them. But now it is showing on my credit report that XXXX is now reporting the same account as a new account for collections.
Consumer complaint received 2016-09-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Interstate Recovery Service, Inc. (NC)

It 's from a company called XXXX that says I owe them for magazines that I did not order. 
In 2006 XXXX XXXX called saying I owed them for a magazine subscription that I did not order and I told them that and they sent the magazings anyway and I sent them back. They left me alone for ten years now a collection agentcy is trying to collect it. I tryed to explain to them I did not order the magazines and I 'm XXXX an draw a small check every month and can not afford to pay it. I keep telling them that I did't order from them. Interstate Recovery Service calls day and night 5 to 6 times a day. Please help. XXXX XXXX XXXX
Consumer complaint received 2024-08-28
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. (IL)

I am asking for your help with this incorrect account thats showing up on my credit report. Ive brought up this issue because its damaging my reputation, and I need your help. The way my credit report was managed has put me in a tough spot, as this incorrect reporting has hurt my reputation. Please correct these mistakes so I can live with my family.
Consumer complaint received 2015-10-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Credence Resource Management, LLC (FL)

Since 2013 I 've been receiving letters and calls from collection companies and XXXX Phone company, someone else under the name of XXXX XXXX used my identity to get different services including XXXX, XXXX did not verified my identity and allowed him with equipment and services using my name. 
On 2013 I discovered with my husband that we both were victims of Identity Theft, and we started submitting the information to the Police Department and followed with Credit Bureaus. 
The last company from which I received letter wasCredence Resource Management, LLCXXXX XXXX XXXX XXXX XXXX, TX XXXXit was on XXXX XXXX, XXXX called this collection company and reported them about the issue, XXXX has been selling my supposed debt through different companies, and after almost 3 years I 'm still dealing with bad credit report, letters and calls. 
I will submit a copy of the Police Report and the last letter that I received.