davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (NY)

After 23 years of membership, AMEX changed the terms of my membership WITHOUT notice to me. I was a Platinum card owner and had no preset limit and had the extended payment option on my account. I made a {$2500.00} payment last billing cycle with the written understanding from AMEX that my account had the embedded extended payment option. Recently, I received notice from AMEX that my entire balance was due and AMEX charged me a {$38.00} late fee. AMEX also charged me {$450.00} to renew my card. I called AMEX on XX/XX/XXXX and told them to cancel my membership immediately as of XX/XX/XXXXand provide me with my balance. I made 2 payments last nite. One for {$3000.00} and the next for over {$6900.00}. I asked AMEX reps if the balance included the renewal fee. AMEX confirmed that the balance given to me did NOT include the {$450.00} membership renewal fee. This morning, I checked my accounts online and AMEX defauded me into believing that they did not charge me a renewal fee. I now have a CREDIT balance of {$780.00}. When I asked AMEX on XX/XX/XXXX, why they lied about removing the {$450.00} renewal fee. They told me to file a dispute online. I want my {$780.00} refunded to via wire transfer immediately. AMEX should not get free use of my money when they clearly defrauded me by lying about my account balance and renewal fee.
Consumer complaint received 2018-07-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (IN)

I have been paying XXXX XXXX XXXX dollars a month since XX/XX/XXXX ( XXXX for the first payment ) .The payments get taken out of my account by XXXX XXXX on the XX/XX/XXXXof each month. I have been worried where the money was going since nothing has changed with my loan status. Also, I had been deferred until XX/XX/XXXX. I called XXXX XXXX on XX/XX/XXXX because the payment was taken out early. They told be not to worry because sometimes it happens with processing over weekends. I also asked what exactly my payments were going for. The lady told me the payments do not pay on my loan, but they are consolidation payments to be able to have my loans forgiven. I ended up being satisfied with that answer and haven't worried about the payments since. Now I get a letter on XX/XX/XXXX that was dated XX/XX/XXXX that the Federal Trade Commission has filed a lawsuit against XXXX XXXX for deceptive practices. I need to know if I cancel with them, do I get a full refund?
Consumer complaint received 2018-07-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMCOL Systems, Inc. (TX)

I was treated at XXXX XXXX Hospital ( " ER '' ) as a result of a motor vehicle accident. I received a bill for {$1600.00}. On XX/XX/18, I paid {$1600.00} online to ER and received a receipt reflecting the same. On XX/XX/18, I received a letter from AMCOL Systems ( " Debt Collector '' ) attempting to collect {$1600.00} on behalf of ER. I contacted Debt Collector via telephone but was unable to speak with a live person. On XX/XX/18, I mailed a letter to ER and Debt Collector providing a copy of my bill, receipt stating the bill was paid in full on XX/XX/18, and a copy of the collection letter sent 37 days after my bill was paid in full. I also disputed the validity of the debt and requested debt verification under the FDCPA. No response was received. Yesterday, I received notification from my credit monitoring service that this account was formally " in collection '' on my credit report and three major FICO scores dropped 58, 50, and 40 points as a direct result. I have written proof of everything that has occurred.
Consumer complaint received 2018-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (TX)

I used the officially authorized website by the federal government for receiving credit reports : XXXX. Every credit reporting agency said that they were unable to give credit reports online at this time ( XX/XX/2018 ). However, I currently live in XXXX and so it is not very feasible to request a mail in for credit reports, so I have no way of officially getting a credit report through government-official ways.
Consumer complaint received 2017-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (HI)

I have n't been able to reach any humans thru equifax phone number, they have been sending me emails that my dispute has been resolved but every time i click the link on their email, it says i ca n't see the result, this is a clear violation of FCRA 611 ( a ) ( 6 ) ( A ), which states as follows : " FCRA 611 ( a ) ( 6 ) ( A ) Notice of Results of Reinvestigation 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 completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by means available to the agency. ''
Consumer complaint received 2018-07-05
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)

I had a mortgage loan with XXXX ( Account number XXXX  ) The first delinquency on this loan was in XX/XX/2011. The first delnquency listed on the credit bureau files shows 90 days late in XX/XX/2011. It was placed in forbearance but never brought current. It was ultimately foreclosed. Federal law says that it had to fall off my file in XX/XX/XXXX due to federal obsolescence guidelines. I disputed it and it remained.
Consumer complaint received 2018-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (SC)

I WAS CHARGED ON XX/XX/12 FROM A XXXX XXXXXXXX FOR XXXX ON MY CITI MASTER CARD, AND ALSO CHARGED ON XX/XX/12 FROM XXXX XXXX FOR XXXX ON MY CITI MASTER CARD  OLD CARD # XXXX. I HAVE NEVER DONE BUSINESS WITH ANY OF THESE COMPANIES AT ALL AND I NEVER AUTHORIZED ANY OF THESE CHARGES AT ALL. I AM A SENIOR CITIZEN AND I LIVE ON A FIXED INCOME AND THIS IS SENIOR ABUSE PLEASE HELP ME GET MY MONEY BACK.
Consumer complaint received 2017-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On, XX/XX/XXXX, I mailed Transunion, XXXX, and XXXX a letter stating that the names, address, and place of employment showing on my credit file are not those of mine. They sent letters back stating that the FCRA states i am obligated to provide them proof of my social security card and Driver license to prove the information does n't belong to. I have sent this on several occasions including with the most recent letter on XX/XX/XXXX demanding the remove inaccurate address, and names and employers as they are making me susceptible to Identify theft.
Consumer complaint received 2017-08-11
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: SYNCHRONY FINANCIAL (NY)

On XX/XX/XXXX I received notification that Synchrony Bank closed a dispute with XXXX XXXX in favor of XXXX XXXX, citing a letter that XXXX XXXX sent them indicating that I had not responded to my own request to have a brand new refrigerator repaired due to the refrigerator light never working even at time of delivery on XX/XX/XXXX. The six emails that I sent to XXXX XXXX dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX regarding the brand new refrigerator light not working were not included as evidence I had  contacted XXXX XXXX attempting to get the repair done. After days of runaround by XXXX XXXX with them at first telling me someone from repair would call in 48 hour to me calling and emailing repeatedly unsuccessful in my attempts to either get the refrigerator light fixed or return the refrigerator, I paid a repair person {$75.00} to diagnose and repair the refrigerator door light switch. I contacted XXXX XXXX, President Synchrony Bank on XX/XX/XXXX asking why were n't any of my many emails sent to XXXX XXXX sufficient evidence that XXXX XXXX falsely claimed that I have not responded to them regarding the refrigerator and why Synchrony Bank based their decision in favor of XXXX XXXX based solely on XXXX XXXX 's letter to Synchrony stating that attempts were made to contact me and I did not respond. XXXX XXXX from the Office of the President at Synchrony Bank responded indicating that she would be assisting with a resolution, but only asked me to email her -- which I had already done.
Consumer complaint received 2018-07-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (MA)

My mortgage was discharged in a chapter XXXX Bankruptcy.I have 2 specific issues 1-PNC sent collection letters after the discharge of the debt.I am attaching collection letters fromXX/XX/XXXX andXX/XX/XXXX ( pages marked 1 and 2 of attachment ) the .They are saying the payment is " past due '' and that they " may report information about this account to the credit bureaus '' they threaten that " this default may be reflected in your credit report.They have a right to enforce their security intrest and nothing more. '' They cant do any of this as the debt was discharged in Bankruptcy and they are violating the bankruptcy injunction and the Fair Debt Collection Practices Act repetitively.

This also violated the CFPB directive on unfair and deceptive practices.Page 6 of the attachment section 209 CMR 18.16 number 5 states that '' the threat to take any action that can not legally be taken '' is a violation. They cant report this to the credit bureau, nor did they intend to but they did threaten to do it.

2-PNC sent an illegal cure notice. ( page 7 ) this default notice gives a 30 day notice and was sent regular mail.Each of these are in violation of Massachusetts General law.Please see page 3 and 4 outlining requirements for default notification for " certain mortgage loans '' and this loan having been an interest only loan for 10 years is a " certain mortgage loan '' The cure notice has to be 90 days from the default and cant be delivered regular mail.

There are many, many more violations of the FDCPA by PNC, they are especially sloppy when it comes to dealing with bankruptcies in loss mitigationThey do what they want without regard to CFPB regulations or collection laws..
Consumer complaint received 2018-07-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I wired {$3000.00} from XXXX  XXXX to bank of America. The wire was immediately returned due to an invalid account number. Here is the thing. They sent back only {$2900.00}. I am very upset. What gives them the right to do so. I entered under no agreement with them. Signed no contract yet it was reversed immediately probably electronically. And this justifies them to take my hard earned money. 

The fee, IMO, is arbitrary and not something I ever agreed to. To take their line of action to an extreme, what would stop them from keeping half of it, or all of it? I don't see what legal basis they have for keeping any of it. 

The fee is unreasonable considering they performed no service. Maybe, if they held the money and asked for account number clarification, given that they had the payee 's name, and could have seen the account number was off by one digit, I would have felt it more reasonable that they did diligence or provided some value. But {$45.00} just to reject it?
Consumer complaint received 2018-07-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: BARCLAYS BANK DELAWARE (IL)

Barclays bank sent me notification that I am to appear in court about a debt they allege that I owe. I was contacted on XX/XX/XXXX from XXXX XXXX XXXX states the debt had been sold to them & they were to collect this debt. I contacted CFPB about this company and the letter that they sent, the company responded saying they did not send the letter but I have a copy attached. In the prior complaint Unifund then stated that they have this debt in their possession & I am now owing them the debt from Barclay 's Bank. I contacted Barclay 's @ XXXX on XXXX I spoke with XXXX agent XXXX states that there is no acount there for me, XXXX agent XXXX states there is no account for me & no manager for me to speak with, XXXX XXXX XXXX she states no manager available n disconnected the call, XXXX XXXX states that they have no account for me at Barclay 's & dont have a direct number to customer service states that the debt was sold to XXXX XXXX XXXX. Barclay 's sent me a summons on XX/XX/XXXX to appear in court for a debt that they have SOLD. Please refer to CFPB complaint XXXX.
Consumer complaint received 2024-10-03
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. (PA)

I was shocked this morning when I saw incorrect accounts on my credit report. I cant understand how this could have happened. I check my credit report regularly, and everything was fine until nowsuddenly there are discrepancies out of nowhere. I even tried refreshing my browser, hoping it was just a mistake, but nothing changed. XXXX urging for the documents Ive submitted to be thoroughly checked so I dont have to deal with this kind of stress ever again.
Consumer complaint received 2018-07-06
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Overton, Russell, Doerr and Donovan, LLP (NY)

I was asking for information on a medical bill I am disputing. I requested information pertaining to bill and they sent me my sealed medical records. They are not suppose to have that. I sent them a certified letter question their access to my private medical history and procedures and they never answered. And they have been reporting this erroneous debt to the credit bureaus regularly.
Consumer complaint received 2018-07-08
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. (TN)

Transunion has refused to remove a deletion or derogatory information requested from a creditor on my behalf. This issue is with an account related to XXXX  XXXX. I contacted XXXX  XXXX and they explained to me that this item was sent for deletion earlier this year back in XXXX. They collection agency also explained to me that it was reported to all three credit bureaus. Transunion denies ever receiving a notice of deletion from XXXX. I went and check my report with the other two credit bureaus and this account was deleted from the others. I requested a letter from XXXX  XXXX to send Transunion and this letter has been faxed to Transunion on XX/XX/2018.
Consumer complaint received 2018-07-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

My name on the mortgage is XXXX XXXX, but my name is XXXX XXXX now. 

I was denied a home modification in XX/XX/XXXX, because I had previously received a modification. I'm working full time now and can afford to pay the mortgage. I spoke with my Bank of America representative XXXX XXXX on XX/XX/XXXX, and she advised me that I was qualified for a repayment and I would have to pay a down payment of {$950.00} and I would pay a payment and a half for 6 months of approximately $ XXXX.She advised me that I had until XX/XX/XXXX, or they would have to recalculate the payments for XXXX. She advised me she would be out of town and would be able to be reached until later the first week of XXXX. 

I called on XX/XX/XXXX, to get my new calculations and she advised me that I didn't qualify for the repayment plan based on my income, but I qualified for the repayment plan for XXXX. When questioned, she told me I was stressing her out, I was being petty about what she was saying to me. XXXX XXXX also told me they didn't have my updated income or budget and they did. 

All of this time I've been talking to Bank of America and trying to get a modification or repayment plan, they never advised me that I was entering foreclosure. I was actively trying to pay the balance off. They never advised me of dual tracking. I called today, XX/XX/XXXX, to pay the balance that was approximately {$2100.00} and she told me I couldn't pay today because I have entered foreclosure. I asked was I in foreclosure on XX/XX/XXXX, when we talked two days before today? She told me no, which I find hard to believe that I'm now in foreclosure. I was never advised these past two or three months I've been speaking with her that I was in foreclosure. 

Now I have to wait until after XX/XX/XXXX, and I'm sure it will include more charges for me to reinstate my mortgage. I have the {$2100.00} and would have paid it on XX/XX/XXXX, if she had informed me I was in foreclosure. 

The problem I had paying my mortgage is I haven't worked full time since XXXX and struggled to make payments. I hadn't made a payment since XX/XX/XXXX because I was raising the funds to pay the past due of the mortgage, but Bank of America never told me I was in dual tracking when I was trying to get a modification.
Consumer complaint received 2018-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I'M WRITING IN REGARDS TO REOPENING MY CAPITAL ONE SECURED CREDIT CARD. I WOULD LIKE TO OPEN MY ACCOUNT.. IM NOT ASKING FOR AN INCREASE BUT IM ASKING TO HELP BUILD MY CREDIT.. THIS CARD HELPED OUT AND IM NT HAPPY ABOUT BEING CLOSED WITHOUT MY CONSENT!!
Consumer complaint received 2022-02-05
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. (PA)

I submitted a dispute to request an investigation by Equifax for XXXX Account # XXXX, because of inaccuracies. ( date of last activity is missing ). 

Equifax did not conduct an investigation, as required by law. They are required to update, accurately verify or delete. 

Furthermore, as shown on the attached " results '' notification, Equifax falsified information on my credit report for this account, without conducting an independent investigation. Their notice to me states that the date of last activity has been verified as accurate, but the report and results letter clearly show that it is missing. 

Equifax inserted a date of XX/XX/2022 as " date of last reported update '' even though there was no update. This is a violation according FCRA.
Consumer complaint received 2018-07-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc. (FL)

On XX/XX/2012 there is a claim for {$120.00} for XXXX XXXX XXXX from First Fed Credit that I have no knowledge about. I have no recollection of receiving services from such an entity. 

On XX/XX/2012, another claim for {$81.00} is entered on my credit report for the same companies. Again no knowledge is represented about any of these companies. 

On XX/XX/2012, another entry from the same entities. No knowledge represented for either company. Don't know who they are.
Consumer complaint received 2018-07-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: USCB, Inc. (CA)

USCB REPORTED 17 NEGATIVE COLLECTIONS ON MY CREDIT REPORT FROM XXXX THAT WERE CHARGES FROM 2011 AND I NEVER RECEIVED BILLS FROM XXXX. XXXX STATES THEY DO NOT HAVE OPEN PAST DUE ACCOUNTS IN MY NAME HOWEVER USCB THREATENING TO FILE A SUIT, CALLING MY WORK, MY EX-SPOUSE AND HARASSING CALLS AT XXXX AND AT XXXX ISN'T THIS AGAIST THE LAW? ...
Consumer complaint received 2018-07-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GB Collects, LLC (NJ)

Approximately 1 month ago, I received a letter from GB Collects, in XXXX NJ. Phone number XXXX. Their file # is XXXX. They indicated that they were contacting me on behalf of XXXX XXXX, and claimed I owed their client, for XXXX, from a year and half ago. I immediately contacted them, and disputed their claim. I asked for physical proof that I owed the debt, and they couldn't provide any. I had XXXX for 2 months, and paid my bills. I then became unemployed, and was able to get Medicaid. I contacted XXXX, and cancelled my insurance. At that time, no one said I owed anything. GB collects calls my phone constantly, and sends me letters in the mail. They have failed to provide me proof, and I asked them not to be harassed anymore, but they continue to do so. Any help with this would be appreciated.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX