davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

On XXXX XXXX I called American Express to downgrade my credit card to a no annual fee Delta Credit Card. American Express agreed to issue the no fee card to replace my current card and to refund me the annual membership fee just charged to my account. My account balance was {$95.00}, which was the annual fee amount that was to be removed. Several weeks later I checked and the fee rebate had not been processed, so I called on XXXX XXXX. I was asured there was no problem, the refund would be made automatically, and they agreed that I did not have to pay my balance ( which was the refund amount ). On XXXX XXXX, I was charged a {$27.00} late fee. When I called and requested that the late fee be removed from my account and that the bank send me a letter stating the late fee charge was a bank error. They agreed to remove the late fee, but would not provide documentation that the fee was in error, since the balance = the refund due that Amex had yet to process. Two days later I again got an e-mail notifying me that I had not paid my balance. I called again and got the same run around. I was told it could take Amex 45 days to process my refund, and if I received additional late charges I could call and go through the story over and over again with the new customer service person.
Consumer complaint received 2017-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: MicroBilt / PRBC (formerly CL Verify) (FL)

I found XXXX hard inquiries on my credit reports from Microbilt.com that were NOT AUTHORIZED - I contacted their compliance dept, they told me that both inquiries were done by XXXX XXXX in XXXX, FL - I DO NOT know this company, I have no dealings with this company.
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Microbilt gave me a phone number to contact XXXX XXXX at XXXX but it goes to a cell phone voice mail. I have left messages but have not heard back from them.
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I filed a dispute via mail with Microbilt to remove these unauthorized hard inquiries but no response yet. I do not want a company like Microbilt to have my credit information or allow companies like XXXX XXXX to access my credit reports WITHOUT MY APPROVAL.
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This is an invasion of my privacy - how do we block Microbilt and XXXX XXXX from these fraudulent activities??
Consumer complaint received 2017-07-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Alliant Capital Management LLC (OH)

They Keep calling my mother numerous times a day & blowing up her phone constantly. They are also repeatedly calling my number & now trying to use a local number for me to answer! I do n't know who this company is. NEVER received a letter stating about this debt AND ITS NOT ON MY CREDIT REPORT. PLEASE REPORT THIS!
Consumer complaint received 2017-11-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (TX)

I have an auto loan with Santander Consumer USA. My loan is nearing maturity and will be paid off XXXX XXXX. I setup autopay online so that my payments are automatically deducted from my checking account each month. When I set up autopay, I saw my maturity date was XXXX XXXX and the last payment was approximately {$180.00}. My regular payments are {$390.00} each month. I logged into my account today and the last payment has changed to {$350.00}. I was never notified by Santander about a rate increase or any adjustments being made to my interest or payments. I would like to know why my last payment has increased. If this is a mistake, then I would like for Santander to adjust my account to reflect my true balance.
Consumer complaint received 2019-02-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: AMERICAN EXPRESS COMPANY (GA)

XXXX XXXX XXXX did not notified me of a pending lawsuit until I was served papers. When I contacted them, I explained that the debt was business debt and not personal debit. The agent refused to listen and started threatening me with more legal action if I did not pay them. The amount they wanted way way out of what I could afford. They told me to quit paying my mortgage and to shut off utilities to give them what they wanted. I gave them money out of fear. I have since lost my house due to their tactics. 

They had no legal grounds to come after me personally for a debt under an LLC. They had no legal grounds to pierce the vale of limited liability. A quick search online will show the amount of complaints and unlawful tactics the firm uses to scare people into giving them money. 

I have also not received any notifications about payments being processed or that the debt is paid off, which it should be. This firm is out of control and using predatory and illegal tactics to scare people into paying them.
Consumer complaint received 2017-11-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (FL)

I have tried to work with Springleaf to settle out this charged off debt. My attempts have not been answered. I want to try to settle this debt but I am unable to pay the entire amount that charged off. I even hired a debt management company to help me but they have also been unable to work anything out with Springleaf. I want to make a final attempt to resolve this debt and repay at least some of the money. I do not dispute that this money is rightfully due to Springleaf.

I am soon going on XXXX XXXX ( XXXX XXXX for XX/XX/XXXX ) and my husband has been XXXX but we can make payments totaling to {$2500.00} before I am no longer working. I 'd like to offer that amount to settle this account in 3 installments. 

SPRINGLEAF FINANCIAL XXXX XXXX {$7300.00}
Consumer complaint received 2019-02-22
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: KEYCORP (WA)

I went into the key bank in XXXX XXXX washington to cash a check then I was told there was a hold on my check, with they usually dont do since i never had a bad check or history of any bad checks since I started over a year ago with them. When I was told about the hold I asked to go elsewhere or work with another banker the banker then told me " I will not let them over ride my decision '' and continued to deposit my check anyway. Without permission and he continued to argue with me even after the other bankers said I usually get my checks cashed. I really do not tolarate discrimination of any kind and I feel as if he was being very rude and profiling me because I am young.
Consumer complaint received 2017-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

My balance on my XX/XX/XXXX statement was {$750.00}. 

I made payments totaling {$870.00} before the statement closed on XX/XX/XXXX. 

During this statement period I also made new charges of {$930.00}, leaving a balance of XXXX in new charges. 

My XX/XX/XXXX statement showed an interest charge of {$18.00}. I contacted cardholder services on XX/XX/XXXX to inquire about this as the statement specifically states on page 2 : " How can I Avoid Paying Interest Charges? If you pay your statement 's New Balance in full by the due date, we will not charge you interest on any new transactions that post to the purchase segment. If you have been paying your account in full with no Interest Charges, but then you do not pay your next New Balance in full, we will charge interest on the portion of the balance that you did not pay. '' Since it states they would not charge me interest on any new transactions, I should not have had an interest fee. 

The representative I spoke with advised me that interest charges are delayed a month, which meant the XX/XX/XXXX interest charge was for the balance carried on to my XX/XX/XXXX statement. I accepted this and did not press further. 

When my XX/XX/XXXX became available on XX/XX/XXXX, I immediately checked it to make sure there was no interest charge, however there was. I called cardholder services and the representative I spoke with advised me that I have to have no charges carried over 2 months in a row in order to not receive an interest charge. I asked to speak with a supervisor who confirmed this as their policy. 

While I fully agree I am due to pay an interest charge for the XX/XX/XXXX to XX/XX/XXXX billing period ( my previous balance was XXXX including the interest charge in debate and my payments were {$660.00} ) because I had a month where I paid my previous balance in full, I should have had a month where I did not have an interest charge.
Consumer complaint received 2017-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

An autopayment for the minimum amount due was paid on XX/XX/XXXX, on XX/XX/XXXX I paid the rest of the balance in full. When i checked to confirm, capital one added another {$190.00} in interest charges. I called XX/XX/XXXX to dispute, no ther cards added interest after i paid them in full, and they stated nothing they can do
Consumer complaint received 2017-07-05
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. (FL)

Since XX/XX/XXXX I have been disputing information reported by XXXX XXXX XXXX and Equifax, XXXX, and XXXX for which they claim My account was charged off {$1100.00} on XX/XX/XXXX. Repeatedly, XXXX XXXX have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. XXXX XXXX  claims this account was sold to XXXX XXXX XXXX and refuses to provide me any viable evidence that the account is being reported accurately. They are being willfully non-compliant in my request for verification of the debt. They just told me to contact XXXX XXXX XXXX. Recently, XXXX sent me a copy of a bill statement. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting.
Consumer complaint received 2017-11-19
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: SYNCHRONY FINANCIAL (FL)

My identity was stolen. At the early part of 2016, I started to receive telephone calls from several credit card and a exercise equipment company stating that I had taken out credit and had began to go delinquent in my payments. I filed a police report and provided it to all the creditors that I did not recognize on my report. While some companies have removed the fraudulent accounts from my report, XXXX XXXX/XXXX XXXX is one company that has refused to do so. I hired an attorney to handle this matter for me. He stated that XXXX would only agree to settle the balance that had now charged off. I made all the installments to pay it in full. However, the impact of identity theft is still affecting me because this shows as a negative entry on my credit. I would like for XXXX XXXX/XXXX to take in consideration all of the documentation I 've provided on identity theft and the great lengths I 've gone to get this rectified. I have disputed this in writing and directly through the bureaus but no one will listen to me! I have even agreed to pay money back that I never received. I want them to remove this from my credit report because we NEVER were in business on this account and they have come out the victor by getting money from me anyway.
Consumer complaint received 2017-07-06
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (TX)

This company is currently servicing two of my private student loans. I have contacted them several times by phone and by email for assistance in repaying my loans. The interest rate has continued to go up and has increased four times in the past twelve months. I can no longer afford the payment as it has increased to over {$500.00} a month and they have done nothing to try to help provide me with relief. I have paid on this loan for over three years and every single payment has gone to interest. I believe that their loan practices have resulted in a violation of the UDAAP as the principal balance of the loan has more than doubled and by the time I have paid it off, it will have quadrupled. The only relief they offer is to service members, and I am only a child of a veteran I have not served myself. Therefore, they will do nothing to assist me. I have contacted them over the past four years so that I could get help before it got to the point where I could no longer afford my monthly payment. They are putting young students in debt that they will not be able to afford to pay back and it needs to end before we have another economical crisis.
Consumer complaint received 2017-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (NC)

I responded to an email offer from  XXXX  +  XXXX   XXXX   XXXX  XXXX  XXXX  for free merchandise ( there is a small shipping charge  ) i f I took a survey. I took the survey and ordered the " free '' merchandise. Later learned from a friend, who did the same, that this is a scam that continues to send additional ( expensive  ) ite ms paid for wit h Automatic Recurring Charges to th e VISA card.   XXXX  I saw no statement that additional purchases and an  " Automatic Recurring Charge ' ' would be set up on my  VISA card but one  was.   XXXX  I cancelled t he VISA card  and will reestablish  XXXX  valid recurring charges on the new account. Think I 've handled it but just want to let you know this is going on.
Consumer complaint received 2017-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have requested Transunion XXXX supply me with documentation of their verification of the Bankruptcy on my credit file. Transunion Credit Bureau and XXXX Credit Bureau need to provide me with copies of all documentation associated with this Bankruptcy account bearing either a court order to place this information on my credit report or my authorization bearing my signature. This is the third time I have asked for said documentation from Transunion and XXXX. As of today XXXX/XXXX/2017, I have received nothing from Transunion or XXXX. <P/>Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint with the Federal Trade Commission, Consumer Financial Protection Bureau.
Consumer complaint received 2017-07-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergys (FL)

I HAVE CONTACTED THIS COMPANY SEVERAL TIMES AND ADVISED THEM THAT MY IDENTITY WAS STOLEN, AND THEY ARE HARASSING ME TO PAY THE BILL, I HAVE DISPUTED THIS WITH THE COMPANY SEVERAL TIMES.
Consumer complaint received 2017-07-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

My account balance with  XXXX   XXXX  was  discharged in a Chapter   XXXX  Case #  XXXX  filed   XX/XX/XXXX  an d converted to a Chapter  XXXX   XXXX  filed   XX/XX/XXXX .  To date Chex Systems has continued to report my account negative. I was granted relief from this debt and I want the account removed from Chex Systems immediately.
Consumer complaint received 2017-07-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

I started the modification process in XX/XX/XXXX with Bank of America. They have all the paperwork. I was told they received everything in XX/XX/XXXX. They have medical records from my doctor stating I would be off work until XX/XX/XXXX. FMLA paperwork included in the paperwork. I was not getting paid during this time. When I returned to work I began making payments again to Bank of America in XX/XX/XXXX the payment was returned and I was told that XXXX was my new services. I made my payment to XXXX and have been making regular payments ever since. XXXX with XXXX has informed me that Bank of America has not forwarded ant paperwork. XX/XX/XXXX is the final day to cure the default. I started the process prior to my XXXX  as I knew I would fall behind now I 'm am faced with  foreclosure because of Bank of America 's negligence. Bank of America needs to forward all paperwork to XXXX immediately. Their attorney needs to get the issue resolved instead of sending be the nonsensical paperwork saying that they did their job, they did n't!
Consumer complaint received 2017-07-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My account balanc e was discharged in a Cha  pter  XXXX  Case  #  XXXX  filed   XX/XX/XXXX   and converted to a Chapter  XXXX   XXXX  file d  XX/XX/XXXX . To  date the financial institution has continued to report my account negative to   XXXX   XXXX  . I was granted relief from this debt and I want the account removed from   XXXX   XXXX   immediately.
Consumer complaint received 2018-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/2018 and XX/XX/2018 I had 5 fraudulent transactions on my debit card with BANK OF AMERICA. There were 4 purchases at a XXXX 's for a total of {$1000.00} and 1 transaction for XXXX made by ATM withdrawal. I was just getting off work around XXXX XXXX XXXX XXXX time on XX/XX/XXXX and noticed these charges. I immediately called BANK OF AMERICA and informed them, cancelled my card and had a new one sent. I attempted to file a claim but at this time claims department was closed for the weekend. As soon as I had time on Monday I filed my claim. A representative with Bank of America assured me I would get the money credited to my account however within the next couple of weeks I was told my claim was denied because 1. No draining of my account. 2 No balance inquiries were made. However 5 transaction of more than {$1300.00} I would consider an attempt to drain my account. They told me send in a letter it took me some time as I work 6 days a week 10 hrs a day and could not find the time. I am seeking full reimbursement and bank of America is denying me payment. My next step will be filing a lawsuit.
Consumer complaint received 2017-07-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (CA)

Enhanced recovery contacted me with intent to annoy. Company never sent out a dinning letter, with a right to dispute. I had to communicate back with XXXX to get matter resolved. I received calls and it was beyond annoying and affected my job performance. Companies such as enhanced recovery should be barred for their practices. It is not ethical at all. I will be uploading documents within the next 10 days.I also ask for copies of the letter sent along with the dates of communication as well as the phone number. <P/>Thank You
Consumer complaint received 2018-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2018 I received an email from Wells Fargo saying a {$18.00} from XXXX XXXX XXXX was sent back. No explanation why. Wells Fargo charged me {$12.00} fee. Because XXXX XXXX XXXX check was sent back. It seems to me that having an account for 13 years at the same branch location, Wells Fargo is charging excessive fees {$37.00}. This month alone. For an account that has an average balance of {$22.00}. 

This is not the first time I have had issues with Wells Fargo charging fees that appears to be harsh or questionable charges to one or more accounts and it's exhausting. They seem to complicate.
Consumer complaint received 2018-06-16
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Recovery Systems (CA)

I took out a payday loan in XXXX of an amount of {$520.00} from XXXX XXXX XXXX XXXX. I paid back the full amount due. On XX/XX/XXXX I received an email from XXXX XXXX XXXX XXXX stating they received my payment of {$520.00}. Then 5 yrs later in XXXX I have been getting letters and phone calls from XXXX XXXX XXXX XXXX for an outstanding balance from XXXX XXXX XXXX XXXX of {$520.00}. I have responded with emails showing the email that I received from when I made the payment of {$520.00}. They sent me into collections and I'm in the process of purchasing a home and this collection is hurting my credit score. I am asking for XXXX XXXX XXXX XXXX and Midwest Recovery Systems to close this debt that is no longer due.
Consumer complaint received 2017-07-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NC)

There were collection accounts added onto my  XXXX  credit report, on  XXXX   XXXX   2017  I sent a certified letter requesting an investigation of the items and in that dispute I noted that just verified is not what I need to see, I wanted to validate this debt. I am a victim of identity theft so what I was requesting is a contract with my signature and a copy of my drivers license on file from the collection agency because of the fraud any place I go they are suppose to ask for my identification. Evidently this was not done. I received a letter from transition just stating that the debts were '' verified '' which took about 30 days.