davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (IA)

In XX/XX/XXXX I signed up for the American Express Starwood primarily for the XXXX  Starpoints offer if I spent {$3000.00} within 3 months. I had this card previously but reviewed the offer details and it did not indicate anything that would make me ineligible. We ( my wife and I ) began using the card and I checked the statement after we had spent the required amount in the required time but the bonus starpoints were not listed on the statement.

I called American Express on XX/XX/XXXX and after explaining the situation and a few people researched I was told I was not eligible due to the pervious card I had ( which had received a bonus at some point around XX/XX/XXXXand had been closed in XX/XX/XXXX ) with the company. I stated that no such statements were in the offer ( though I did look at their current offer and it did have that verbiage as of XX/XX/XXXX ) and I had all my paperwork which i review again and no exclusions were listed. Below is my interactions with American Express since that time : XX/XX/XXXX - Filed a complaint ( conf # XXXX  ) which would review the offer which could take 6-8 weeks but was told to call back in 4 weeks.

XX/XX/XXXX - Called for an update was told to fax/upload my offer paperwork and agreement XX/XX/XXXX- Uploaded 18 pages agreement - offer details, agreements, supplements etc.

XX/XX/XXXX- Called to confirm upload and was given new case id ( XXXX ) and was told to call back in a week for information XX/XX/XXXX- Called back and was told it will take 4-6 weeks to review XX/XX/XXXX - Called back was told still open and 'investigations ' take 6-8 weeks to review XX/XX/XXXX - Called back was told being worked on no update but would be emailed this month XX/XX/XXXX - Called back case still open but no definite timeframe to resolve but usually 2 billing cycles At this point i have no faith that anything is being done due to conflicting information on process, timeframes and resolution.
Consumer complaint received 2018-03-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (PA)

I became XXXX in XX/XX/XXXX they Ocwen should have given me a forbearance. They refused. And my wife passed in XX/XX/XXXX which a clause in the loan had mortgage insurance for payoff and they denied it.
Consumer complaint received 2018-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ProCollect, Inc. (NC)

My credit reports ( all 3 ) show a collection amount of {$1000.00} held by ProCollect. I contacted XXXX to tell them the account was not in my name, but in my daughters name. They investigated and said status remained the same. Since then my daughter received a letter from ProCollect offering to settle the account in full for {$320.00}. My daughter paid the full amount requested in the letter but the account still remains on my credit report.
Consumer complaint received 2018-04-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation (TX)

This company is trying to collect {$840.00} and {$730.00} from me for a medical bill they claim I owe. I have written them letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
Consumer complaint received 2018-03-29
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IL)

I have had a XXXX  credit card since XX/XX/XXXX. I received a bill of {$170.00} in XX/XX/XXXX which I paid on time and said payment was processed and removed from my account. I received notification XX/XX/XXXX there was a problem with myXX/XX/XXXXaccount. This person left a message and did not identify themselves as representing XXXX XXXX. I called back and they said they did not receive my payment. I had my online banking account, XXXX XXXX, send a proof of payment. I also sent paperwork in to dispute the claim of non-payment. During that time XXXX XXXX XXXX XXXX XXXX  continued to add Finance and service fees on my account during the dispute. At no time was I told that my payment, as per usual practice, which had been written out to XXXX XXXX XXXX, was now the wrong payee. Having accrued during this time {$190.00} in fees on my account I was told if I paid the minimum {$92.00} they would expunge {$180.00} in fees. I didn't add up the fees at the time and still do not understand why the other {$14.00} was not also expunged. This was in XX/XX/XXXX, and my credit rating was being ruined so I paid the {$92.00}. They continued to add finance charges of {$2.00}. I paid the remaining {$81.00} for the total of the original bill of {$170.00}. I then received, most recently, an additional finance charge of {$2.00} on my account. This was on top of the {$14.00} fee not previously removed and the {$2.00} fee they had tacked on. Today I paid them {$18.00} to prevent them from going in and once again attempting to ruin my good credit and continue add finance charges on my account. I firmly believe that the transfer of ownership of XXXX XXXX  is being exploited to extract erroneous fees from this customer. Thank you for your time
Consumer complaint received 2018-03-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Bureau of America Ltd. (IL)

Hi, I would like to file a complaint against XXXX XXXX  and Collection Bureau of America.

COLLECTION BUREAU OF AME XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX  ( XXXX  ) XXXX On XX/XX/XXXX, I checked my credit report and see that my credit score has gone down and there is a collection on file from Collection Bureau of America. I saw that the original creditor was XXXX XXXX XXXX XXXX XXXX. The account was opened on XX/XX/XXXX ( 5 yrs, 3 mos ). The balance is {$380.00}.

I called XXXX XXXX at XXXX on XX/XX/XXXX @ XXXX to find out what happened. I was told my account was in collection and I need to call XXXX. I called XXXX on XX/XX/XXXX @ XXXX. I inquired for the status of account. The rep informed me the account has been in collection. I told the rep I know because I know it on my credit report. I asked the rep for more information on my account. She stated the last payment I made was on XX/XX/XXXX for the amount of {$100.00}. I informed the rep I was not aware of any outstanding balance. We did not use the XXXX XXXX that long to owe {$380.00}. I asked the rep for a copy of the bill. I asked the rep to email it to my personal email address. I spelled my name out letter by letter. The rep said I should receive it shortly.

Today is XX/XX/XXXX. I have not receive a single email regarding my account or balance. To date, I have not received any written notice of my balance from XXXX XXXX or from COLLECTION BUREAU OF AMERICA. I have not been given the option to dispute my account. I was not aware of my account going in collection until I checked my credit report!

We stopped using XXXX XXXX years ago. It is unfair to find out my account is in collection through my credit report. XXXX XXXXXXXX did not notify me of the balance nor the warning my account will go to collection.

COLLECTION BUREAU OF AMERICA did not provide any written notices via mail of my account or my dispute rights. It is unfair to put my account in collection. It is unfair for me to find out through my credit report. It is unfair for me to reach out to the company for the bill and still not receive it.

This practice is unprofessional and unethical. I asked that my account be removed from the my credit report.
Consumer complaint received 2018-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (CA)

i called chase XXXX XXXX to ensure balance was paid off at XXXX early XX/XX/XXXX. they somehow also took XXXX out of my bank acct mid XX/XX/XXXX. this month they charged me interest when in fact they told me everything was squared away when i called after paying off the balance owed.
Consumer complaint received 2017-03-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have this happen every six months and it needs to stop this is violating my RIGHTS. I do not know what else to do. Transunion, your company has someone else social, addresses, accounts and name listed on my personal credit file. This HAS TO STOP! It is not fair to me. 
REMOVE THE FOLLOWING WHICH IS NOT ME Name NOT MINE XXXX XXXX XXXX SOCIAL NOT MINE XXXX MANY ADDRESSES TO MUCH TO LIST AND ACCOUNTS XXXX # XXXX, XXXX XXXX AC # XXXXXXXX # XXXX XXXX # XXXX. I CONTACT YOUR COMPANY IN XXXX AND IT WAS FIXED A COUPLE MONTHS LATER YOUR COMPANY PLACED ALL THE STUFF BACK ON. AGAIN NOT FAIR TO ME
Consumer complaint received 2018-04-30
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNTRUST BANKS, INC. (FL)

On XX/XX/XXXX I send a letter Certified mail to Suntrust Bank/XXXX Suntrust Bank received mail on XX/XX/XXXX Letter is about : To Whom It May Concern : After a review of my current credit profile and report, it reflects what seemingly is a pattern of fraudulent activity on the following accounts : Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), and 90.953 FLA. STAT. ( XXXX  ), we have request verification of the authenticity of the original document ( s ) from individuals listed above at our expense. Please advise of a location and time in the XXXX, Florida area. 
90.953 FLA. STAT. ( XXXX  ), in pertinent part states : Admissibility of duplicates.A duplicate is admissible to the same extent as an original, unless : ( 2 ) A genuine question is raised about the authenticity of the original or any other document or writing. 


Suntrust bank have not accept my request meet in location and time in the XXXX, Florida area to verification of the authenticity of the original document ( s ) from individuals listed above at our expense. 

I asking does Suntrust bank have the original copy of the promise note that claim I sign?
Consumer complaint received 2018-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Global Lending Services LLC (OH)

Auto loan XXXX XXXX XXXX XXXX account was open. 
Driver license and social card was stolen someone used information to open up bank accounts, XXXX XXXX, XXXX, XXXX XXXX. Cellular phone companies XXXX, XXXX XXXX XXXX and many other pay day loans online
Consumer complaint received 2018-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP (CA)

To Whom it May Concern : I paid The Offices of XXXX XXXX XXXX   {$1100.00} on XX/XX/XXXX, for my US Bank account that was overdrawn. They used aggressive tactics, scared my family & I felt like I had no other choice but to take out a loan from my retirement & pay this company. After conducting research, I realized that this is a fraudulent company & they never even communicated to US Bank that my debt was paid. There email addresses are incorrect & there building address is not even real. I only owed US Bank about {$600.00} ( half were from overdraft fees ) & now about 10 years later I'm still getting phone calls from 3rd party debt collection agencies still asking me for money on this old bank account. I'm getting so tried of these phone calls & just want it to stop. I also have a release of liability document signed by The Offices of XXXX XXXX XXXX that I can sent to you. I sent this email below & it came back as an error. Now I'm out over {$1000.00} & I'm still being harassed, what do I do? Please help!

~XXXX XXXX XXXX   XXXX -- -- -- -- -- Forwarded message -- -- -- -- -- From : XXXX XXXX <c.XXXX> To : " XXXX '' <XXXX> Subject : File # : XXXX This email is to address the fraudulent charges against me.

I am filing a law suite against your company for deformation of information and malicious intent. I spoke with U.S. Bank today and this is a federal offense. The money I gave to your company on XX/XX/XXXX, was not paid to U.S. Bank and my debt was not released. I am represented by XXXX XXXX XXXX XXXX, and will prosecute you for bank fraud. Per the attached document onXX/XX/XXXX, my debt was paid to U.S. Bank by your company, and this is false information.

I need the owner or supervisor to contact me immediately.

- XXXX XXXX XXXX
Consumer complaint received 2023-07-17
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This happened a couple years ago during the COVID times, I had unemployment and so I had bank of America prepaid account, on probably about a dozen times my card and account would get locked up which always seemed to happen at the worse possible times it would not allow me to make online purchases and we were limited to 3 ATM withdrawals in a 24 hour period. I can't remember how many times I was charged fees that I would just pay because we were getting good money when it first started. I don't know how to go about getting any of those statements and letters from them. I would never deal with bank of America again because of this experience.
Consumer complaint received 2018-04-28
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. (MI)

I had opened an Experian account to check my Personal Credit, this because I have applied for a few Credit Cards and was denied. So after looking at the Credit Report, I was shocked to see 'XXXX XXXX XXXX XXXX XXXX ' on it. This because even though I admit I do owe back child support to the XXXX XXXX XXXX, I have been paying every month for several years. Never missing a month. I was told by Experian that even though I pay every month, that the 'XXXX XXXX XXXX XXXX XXXX ' status will remain NEGATIVE on my credit report because even though I've been paying on time every month, I still have a outstanding balance of back child support owed. So I said OK! 
That having been said, I then ask if it legal for Experian to keep 'XXXX XXXX XXXX XXXX XXXX ' account on my Experian credit report if the 'XXXX XXXX XXXX  XXXX XXXX ' can not provide them with the an ORIGINAL SIGNATURE? Which I know 'XXXX XXXX XXXX XXXXXXXX XXXX ' can not produce, because due to the fact I was living in the state of XXXX and was not able to appear in court when my child support case was in front of a Judge in the state of XXXX , a judgment of court ordered child support obligation was placed on me by default of me not appearing. And even though I am ordered to pay child support, I never signed the Judgement or court order. So therefore, because I never signed any child support judgment or court order, I feel that Experian should remove it from my Credit Report.
Consumer complaint received 2018-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I disputed about 13 transactions on my account dating from XX/XX/XXXX through XX/XX/XXXX. For the total amount of {$5100.00}. The reason why i was disputing these charges is because the merchant failed to provide expected services, Services not rendered and inadequate customer service to resolve any issues. I had initially filed my complaint back on XX/XX/XXXX. I had filed a dispute for all those charges. I was told to wait 7 /10 business days. I waited 10 and called and they stated that they were filed wrong and was filed as unauthorized transactions. They stated the merchant proved the transaction was authorized and my dispute was dismissed. I was angry that they did not file the paperwork properly. So I I filed a new dispute and made it clear t them it was for the services and had to wait another 10days. It had seemed that every person who i spoke to during this whole ordeal that i asked names of and phone numbers all had a different story to tell but nobody had the information correct. After almost a month of filing paperwork they are still not providing me with sufficient evidence in regards to my dispute. So after waiting another 10 Days for the outcome of the dispute is was dismissed again. I had asked why and they stated that the merchant provided evidence that the transactions were authorized. I stated again that my dispute was not for unauthorized transactions and my dispute was for unsatisfactory services etc. I spoke to several customer service reps and told them that my dispute is for services and not unauthorized transactions. The last person who I spoke to her name was XXXX and she stated that they handle both types of disputes the same way. I asked her how can they dispute unauthorized transactions and services the same. She could not provide a good enough reason other then my case was dismissed. I asked her why my case is dismissed when Citizens bank failed to dispute the charges properly. I am not disputing these charges for unauthorized but am disputing for services rendered.
Consumer complaint received 2018-03-29
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: General Motors Financial Company, Inc. (TX)

In XX/XX/XXXX/XX/XX/XXXX my account was updated to reflect that I did not want any calls from this company to my job or any phone numbers that I am associated with. I have recently received 3 phone calls to my job from this company. The 1st call was on XX/XX/XXXX at XXXX XXXX. The next call was on XX/XX/XXXX at XXXX XXXX. I told the agent that there is already a cease and desist on file and his company should not be calling this number. He stated that he would update the account and I would not receive anymore calls. On XX/XX/XXXX I received a call from this company at XXXX. I am now feeling harassed by this company because I have asked them to stop calling and they have refused to do so. They are calling about a XX/XX/XXXX vehicle that I have traded in. The payoff has already been sent to this company by the dealership. My employer does not allow any personal calls and this company continues to call. I want all calls to stop immediately.
Consumer complaint received 2018-03-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (FL)

I try disputing the debt with the credit bureaus they're stating that the debt is mine when it is not my name is not XXXX XXXX it is XXXX XXXX XXXX. No idea who XXXX XXXX is I'm Requesting that the collection of this debt to be stopped and removed from credit bureaus as it is hurting my credit worthiness.
Consumer complaint received 2018-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANCO POPULAR DE PUERTO RICO (NY)

I opened Banco Popular XXXX credit card in XX/XX/XXXX and decided to cancel my card before I hit my annual fee in XX/XX/XXXX. I canceled it in XX/XX/XXXX through phone but I have been informed that there was no record of me canceling and has been charged annual fee/interest/late fee. I did call today XX/XX/XXXX to cancel and they did inform me that there is record of me calling in XX/XX/XXXXbut they don't know what that call was about. This is total fraud and they should share the record call and validate that I did cancel in XX/XX/XXXX. No company should run like this to get some extra fees on what I was known to be a " closed account '' I am sure Banco Popular customer service team sub-par so they probably won't even record/listen my calls or even read this CFPB complaints This fraudulant activity has lowered my credit score as I did not know that my account was open and they charged me annual fee/late fee/interest off of annual fee Please audit Banco Popular on how they are running their business and customer services
Consumer complaint received 2024-10-14
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Inquiry Regarding Statute of Dear CFPB, I am writing to inquire about the reporting status of my account with XXXX  ( Account # : XXXX ) on my credit report. I would like to clarify the current status in relation to the statute of limitations. 
Based on my understanding, the statute of limitations for this debt has likely expired. I would appreciate it if you could provide confirmation regarding the reporting dates associated with this account and whether it should still be reflected on my credit report. 
If it is determined that the account is outside the reporting period, I kindly request that it be removed from my credit report as per the Fair Credit Reporting Act guidelines. 
Thank you for your assistance in this matter. I look forward to your prompt response. 
Sincerely,
Consumer complaint received 2018-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (NJ)

Discover Card. 

Ordered cell phone from XXXX that had an incorrect web description. XXXX C/S told me within 8 hours of placing the order to order the correct phone and refuse the original shipment as they refused to cancel 1st order ( with no cost to me ). Was to get credit for {$570.00} within 4 days. Phone was refused and returned per XXXX 10 days ago. No credit. Second order for correct phone was received and billed to card as XXXX suggested. 
Opened dispute with Discover Card. Discover is refusing to issue temporary credit and blames the CFPB ( after I threatened to file a claim ) ... stating that CFPB regulation is why the inquiry was put on hold. Further, Discover communicated NOTHING about the dispute. Nothing on my account web page, no response to secure emails and customer service has no answers ( even after speaking to a supervisor in Delaware office ). I have everything in writing from XXXX and shared with Discover during the dispute process.

Discover refuses to issue temporary credit!! I never received the goods I was charged for due to no fault of my own. I should have received this credit immediately! I want my credit!!