davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

REMOVE THIS IMMEDIATELY or UPDATE to PAID/NEVER LATE 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a cred-it card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures de- signed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the pay-ment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without in-curring an additional finance charge, such addi-tional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (IL)

On XX/XX/XXXX my prepaid debit card thru American Express Serve was used at an ATM that was unknown to me at the time. The amount of the debit was {$380.00} plus a {$3.00} fee charged by the ATM along with the {$2.00} fee surcharged by the card issuer. I noticed the debit the same day because I was going to use the funds to pay a bill, I call them right away. A dispute was opened after their normal inquiry specifically asking do I know who used the card and did I share my PIN and did I file a police report. I did not really know what to do at the time, they offered no guidance in terms of what to do to further protect myself such as closing the account, if I would have received advice or known a police report would be essential, I would have done so. The only thing I did was paid a bill with the remaining balance just to get the money out of the account and change of PIN. Whoever skimmed the card kept trying to make withdrawals with each decline transacton resulting in {$.00} in charges. Two charges of {$.00} on XX/XX/XXXX. Three charges of {$.00} on XX/XX/ and two more charges of {$.00} on XX/XX/. I called them again to find out what to do, again no guidance, not even a recommendation to report the card lost/stolen so the fees would stop. I had to initiate that for an extra charge of {$5.00}. Card issuer never addressed the subsequent fees. The 1st dispute was declined with no reason except they found the transaction to be authorized. I reopened the dispute on XX/XX/2019. Went thru the process, made sure I stayed in contact as well as provided a detailed letter requesting favor in the amount of {$390.00} which is the total. On XX/XX/XXXX the dispute was declined again as card issuer indicates again they have evidence to show it was me that made the transaction in which it was not. I called the fraud department again and apparently a dispute can only be done twice. That's it, that's all. They do not volunteer specific reasons, I've had to request the information in which I am still awaiting the 'evidence '.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2019-03-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: WLCC (MI)

I was contacted by phone and through email with messages advising me I have been approved for a payday loan. They emailed me on XX/XX/2019 saying I was approved. I called them and the terms of the loan were described to me inacurrately and they violated State Law in Michigan by offering this loan. This company put false claims and false information in the loan contract trying to make it seem like this payday loan was legal, however, after doing my research they do not have a lending license in Michigan, the APR on the payday loan exceeded the maximum amount allowed by Michigan law, they made false claims how Michigan law doesnt apply to them because they are a tribal lender, they stated in the contract that I could revoke ACH authorization any time by emailing them and when I emailed them to do that and advise them that this loan is illegal and that I am bound by my state laws not theirs and also asked to be provided a license number to prove they were licensed to lend in the state of Michigan or I would file complaints with the FTC, the XXXX, and my attorney general of Michigan I received no response. However, from that same email address I wrote my email to on XX/XX/2019, they are pretending they never received any email and continuously emailing me with payment reminders and stating they will be drafting from my account automatically in a few days. I revoked all wage assignment and made it clear to cease and decist all contact by telephone to me, my employer, or any reference I provided them on the application and I will only communicate by email with regards to this matter. Even after my cease and decist demand they have still contacted me by telephone completely ignoring my demands. After taking the loan I did some research and found out that if I feel a lender violated Michigan law then I should notify the lender in writing that they have violated law and the lender has 3 days for a decision. If it is determined they did violate the law which they did multiple times then the lender is required to pay the borrower 5 times the fee ( minimum {$15.00} ) associated with the loan. I sent this letter to the email address I was provided on XX/XX/2019 and they have not responded to me or even acknowledged the email, but again they keep emailing me demanding payments and saying they are going to debit my account from that same exact email I wrote my letter to. Multiple laws have been broken and they are not responding to my demands or my emails, they are still providing illegal inaccurate information, and I would appreciate any help I can get to shut this company down. They are operating illegally and taking advantage of consumers. Thank you for taking the time to read my complaint.
Consumer complaint received 2019-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (OH)

My credit card statement does not show cash rewards that I receive for shopping at the grocery store. I did file a dispute with my credit card company. XX/XX/2019. I contacted cutomer service and was told that I had to wait thirty days until the next statement before my cash rewards would appear on my statement. Thus I was told on XX/XX/XXXX that I had to wait until my statement close to see my cash rewards on my account which was XX/XX/XXXX, each time that I contact customer service I am told I have to wait another thirty days or until my statement close date. The next statement close date is appromatiely XX/XX/2019 and I will have waited sixty days for my cash rewards.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with Experian was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2019-04-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (HI)

On XX/XX/XXXX of 2019 my husband and I assumed a VA mortgage from a seller with Freedom Mortgage and we are beyond dissatisfied with their handling of this account. The first issue was that we were informed 4 days after we closed that the previous owners of this mortgage had a {$1300.00} shortage in their escrow impound account and it was not disclosed to us in the process of closing. Their explanation was that it was disclosed to us by telling us what our estimated monthly escrow payment would be. We were not made aware that it included an increase in that payment due to the deficit. 
Second, I asked for an escrow analysis be sent to me to see after this incident and I was shocked at their accounting practices. Some months they pay into the account, other months they do not, and sometimes they double up the payment into the impound account. We tried to resolve the whole thing with them by writing a letter to their escrow department and asking to drop the impound account. We are more than capable of paying for our homeowners insurance and taxes. They declined and said XXXX XXXX backed their loan and the rules are that you need to have an impound account for two years. Then they retracted that statement and said it was their own rule. For the life of me, I can't get a person on the phone who can help me there. I reach a dead end in the 40 or more hours I have been on the phone with them. I start with the XXXX  number, escalate it to a supervisor, then the their " ambassador '' level and every time, they say they will look into it and call me back and NO ONE ever does. I have a list of every phone call and all the supervisors I have spoken with and their ID numbers. I can't get my loan serviced. Help! See attached documentation.
Consumer complaint received 2019-03-04
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. (VA)

Due to XXXX XXXX XXXX refusal to investigate an unauthorized transaction on my account, I paid balance due and requested that my credit card account be closed. 
I was assured my credit card is closed with {$0.00} and e-mail was sent on the day of closing, with a letter received a week later ( XX/XX/XXXX or thereabouts ). 
I opened a dispute with Equifax as XXXX XXXX XXXX refused to update my credit card as closed and falsely listed account as open with a balance. 
On XX/XX/2019, nearly 2 weeks after my credit report should have reported account closing, XXXX XXXX falsely certified to Equifax that my account is still open. 

I also called XXXX XXXXXXXX and spoke to representatives on XX/XX/XXXX. The representative I spoke with affirmed he could see my credit bureau dispute. And representative insisted XXXX XXXX  XXXX is under no obligation to update my credit report till the company wants to update it. I recorded phone call and it can be provided on cfpbs demand. 
I attached documents.
Consumer complaint received 2019-04-15
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. (MN)

I need to file once again a complaint on Experian for miss use of my credit file I just got an email alert not 10 min ago about someone at Experian had open up a dispute on my XXXX XXXX account. Never have I asked Experian to investigate the XXXX XXXX account and Not sure who would be dealing with an account that I didnt dispute??? This has really got me Puzzled why are you tampering a trade line that I didnt dispute? Please EXPLAIN CFPB could you please look into this matter as well. I have already contacted the MINNESOTA AGS OFFICE AS WELL! 
Experian Get it together Pease! And do your Job!! For the accounts that you are Disputing for the opening Disputes I will exercise my right Under the FCRA 611 ( A ) ( 7 ) for your description of procedure used by your agencies. Providing all Information to be more specific based on the FCRA 611 ( A ) ( 2 ) ( B ) I DONT BELIEVE THAT YOU ARE DOING FULL INVESTIGATION LIKE YOU SHOULD. Please Remove XXXX XXXX from this dispute list AND REPORT IT AS NOTHING WRONG EXPERIAN IF YOU ARE UNABLE TO SEND ME WHAT Im asking for Please DELETE THE ACCOUNTS THAT ARE IN DISPUTE THEY ARE CALLED UNVERIFED ACCOUNTS IF YOU CAN NOT VERIFY ANY ACCOUNTS PER FCRA THEY MUST BE DELETED. Here is a list that I supplied to you I WANT full Proof from what you sent to the creditors what they sent back to you who you spoke even down to employee ID NUMBER TO SHOW THAT YOU ARE DOING YOUR JOB CORRRECTLY. Experian I will tell you right now Im not going any Place until you show me your Full investigation of every dispute that you claimed to have disputed. As for the Other 3 accounts I suggest that you delete those ASAP because I have proof that you DID NOT INVESTIGATE SOME ONE AT YOUR LOCATION CHANGED THOSE ACCOUNTS NOW I WANT THE PROOF I SENT IN A TON OF FACIAL INFORMATION BUT YET YOU STILL VIOLATE MY RIGHT NOW THE TABLE ARE TURN I NEED FACTUAL INFORMATION FROM YOU! Lets play this and lets do this the party has just begun also if you dont play fair I will EXECUTE A LAWSUIT also show me what dispute letter That I sent in asking you to even touch my XXXX XXXX account. Get your XXXX together!
Consumer complaint received 2019-04-16
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. (MI)

I sent in an investigation request to the credit bureaus on XX/XX/XXXX. They were supposed to respond within 30 days, but I have yet to receive a response.
Consumer complaint received 2019-04-14
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. (GA)

I contacted Experian on XX/XX/2019 after receiving an email that the status of one of my accounts changed. I initially attempted to dispute the information online after reviewing that my XXXX  account XXXX was showing that I was 30 days late. When I clicked dispute, I received a message stating Dispute Cant Be Processed Online and to call XXXX. I called the number and informed the representative and was advised to go to Experian.comXXXX, fill out demographic/verification information, write a summary and upload my payments to the company and a dispute would be initiated immediately after completion. I completed everything and Ive checked daily and the dispute is still not initiated on my report. Ive provided all of the information to show I paid my XXXX payment on XX/XX/2019, my XXXX payment on XX/XX/2019 and my XXXX payment via two payments one in XXXX and XXXX. I wanted to make sure my payments were a month in advance. To this day, an investigation has not been initiated to eliminate this late payment.
Consumer complaint received 2019-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (MA)

I applied an American Express Gold credit card about XX/XX/2018. During my application I received information that I will receive XXXX   bonus points after I spend XXXX dollars. I did not receive any notification that I would not receive this bonus. After application. I called customer service for three times to check my bonus, all I got is that I will receive this bonus, it just need time to process. Especially my third call, the manager even discussed his boss, and they both did not find any reason why it took too long to process. He said everything looks correct, I just need to wait for 5 to 7 days for processing. After that I received a phone call in 5 days. I was told they can not give me the bonus because there was a pop up during my application said I would not receive the bonus ( actually not ). The person who gave this information also told me, this decline just connect my account all the time, all the customer should see that. If it is true, why during the past three times phone call, there was no one see this decline in more than 2 months? I doubt if they just added my information there during the 5 to 7 days ago.
Consumer complaint received 2019-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CT)

On or around XX/XX/XXXX, I received a mailer for a special intro offer for a DELTA GOLD AMEX for XXXX miles. I signed up via the link provided in the mailer, but upon calling Amex for a different reason, I found they were only offering me the standard XXXX miles offer, for no reason explained. 

They created an internal case to investigate the issue, XXXX XXXX XXXX but after several future calls they said they can not still uncover why I have not been awarded the XXXX miles offer which I am indeed eligible for, and they can not " get in touch '' with Delta to have it applied. 

I would have never signed up for this credit card if it weren't for the offer of XXXX miles. This appears to be a bait and switch to gain new card applications, and no one at AMEX can help me.
Consumer complaint received 2019-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (IA)

All the amount of loans were not correct, when I was a student I was working two jobs, am sure did not take these amount of loans. They had been reported wrong and overcharging. I saw all in the news from 2005  there was a lawsuit against the loan server. Still, there were so many lawsuits all over the USA, against them, for misleading.
Consumer complaint received 2019-01-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (CO)

On Monday XX/XX/2019 I received a phone call from erc about a XXXX bill that I do owe. when I told them there is no way I could come up with {$1000.00} at the moment a collector and a supervisor by the name of XXXX  threatened to report the account to my credit if I did not pay them by the XXXX  of XX/XX/2019. when I asked about how their credit reporting works and how often they reported to the credit bureaus they neve answered my question and instead kept telling me that they were going to report to my credit because I could not pay. then on XX/XX/XXXX-XX/XX/XXXX of 2019 I received harassing phone calls 5 times in 2 days with 4 voice mails and no message left on the voicemails just back ground noise.
Consumer complaint received 2019-04-15
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I received a call at my job after I have already set up payment arrangements with them in the past. I have notified them that they are to only contact me at my cell phone. They have still contacted me. They are practicing unlawful methods of obtaining information and the government should be ashamed of themselves for letting companies like this get away with this.
Consumer complaint received 2019-01-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MI)

My federal student loans are with Navient. I qualify for the XXXX   Loan Forgiveness program and, to date, have submitted 3 different applications for that - all three being denied. For the second application attempt, two items were reported that I had to fix in order to reapply. I took care of those two items and resubmitted. That third submission was denied and this time they listed 3 different items that caused the denial. I submitted the same form as I did for the second submission ; the only difference is that the third one was corrected for the two items Navient said were missing in my second submission. Also, now they've put me on forbearance - they say to help me prepare yet another application for the forgiveness program. I do not want the forbearance because I've heard about the lawsuits against Navient. Thinking back, they have done the same after my earlier applications, so I believe I'm subject to the same illegal practices as loan holders in the 5 states suing Navient. However, I live in Michigan, a state that is not involved in the lawsuit. It is also the home of XXXX XXXX! In the meantime, I am looking into transferring those loans to my bank, as it was not my decision to have my loans transferred from the original loanholder, XXXX, to Navient.