davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-13
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: KEYCORP (SC)

Key2XXXX  Reward Master Card - KeyBank XXXX : {$2400.00} convince check cashed at unknown location, bank unable to recover check image. 
XXXX : I reported the fraud to the Key Bank fraud hotline, a dispute case was filed and opened. 
XXXX : I filed a local police report with XXXX SC Police Department report No XXXX XXXX : I called fraud hotline to update them that I had filed a police report as instructed and relayed that police report information XXXX : Noticed charge was gone from statement, looked as if the case had been resolved XXXX : Charge return of {$2400.00} noticed on statement as reversed. I reached out to fraud hotline. I was told and that a KeyBank branch was to contact me with an affidavit form to fill out and get notarized. No on had ever contacted me nor informed me of an affidavit to be completed. Received the affidavit/sworn statement from fraud via email in the following days. 
XXXX : Email sent to branch manager XXXX XXXX branch # XXXX ( XXXX XXXX XXXX XXXX OH XXXX ) w/ affidavit completed and notarized properly. Case was reopened. 
XXXX : I followed up with XXXX, branch manager, via email due to no response. 
XXXX : First response from XXXX. She sent and addition affidavit for me to complete and get notarized. 
XXXX : I sent XXXX via email the second affidavit notarized and completed. 
XXXX : I followed up with XXXX again since no response since XXXX XXXX : XXXX emails mw with an update from the fraud department stating that the case is " still in progress and these can take up to 90 days to resolve '' XXXX : I follow up with XXXX to check on case XXXX : A coworker checked on fraud progress, still under review XXXX : XXXX contacts fraud department for update XXXX : I contact fraud department for update. They state they can not disclose any information to me, must be given to me via branch manager XXXX. 
XXXX : Follow up from XXXX, case was closed, no reason given. She escalated the case to " Executive Client Relations Team '' XXXX : I followed up with fraud department. Again they said case was close but could not disclose information as to why. 
XXXX : I emailed XXXX with request to speak live on the matter. No response. 
XXXX : I emailed XXXX with request to speak live again. She emails back stating she followed up with fraud and that the case manager covering my case was out on vacation and could not give me any updates. 
XXXX : I reached out to fraud department myself to check status. Someone finally gives me information that they are missing and affidavit that XXXX was supposed to send to them. I offer to send them the affidavit, I had completed on 2-4. They say they can not accept it unless it s from an internal KeyBank email. 
XXXX : I call XXXX, no answer. I leave voice mail to contact me ASAP about affidavit form.
Consumer complaint received 2016-11-14
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (FL)

1-I received a check in the name of my company and deposited it with my XXXX, All right until here. Then I kept the check in my wallet XXXX went to church 10 days later, I forgot that I bring the check in my wallet. I always deposit a personal check of offering, for confusion I deliver the check of the company ( Already deposited and collected XXXX instead of the personal check. 
3-The church deposits the check and my bank XXXX Wells Fargo XXXX pays it and withdraws the money from my account. 
4-I 've spent weeks trying to make the bank understand that everything was a mistake and there is no way to get my money back. The methods that the bank has suggested to me are like a comic movie. ( Go to the church ..., bring the one who gave you the check ... XXXX, I 'll call you tomorrow, .... We 're investigating .... Why you cashed the check 2 times ... XXXX 5-Wellsfargo must to return the money to my company simply because the check was directed at the company, not at the church. The bank should never pay the check to the church. In addition to that, the check had already been deposited and collected by the legitimate owner : My company.
Consumer complaint received 2016-07-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services , LLC . 
XXXX XXXX XXXXXXXX XXXX XXXX Account Number Num : XXXX Balance {$450.00} Dear XXXX, I am writing in regards XXXX account on my credit report. On XXXX/XXXX/16 I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC XXXX, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my XXXX, the Federal Trade Commission and the XXXX XXXX 

XXXX XXXX
Consumer complaint received 2023-07-03
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: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-07-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (FL)

My husband and I have applied for a mortgage and got it funded at the end of the year 2004 with Chase Home Financing. Because our first mortgage with Chase I had problems with the amortization that I believed it was incorrect, I started collecting every data of regular payments and extra payments made with the new loan. So, I was able to discover that on or before the XXXX TH payment, there was a difference of XXXX payment missing from the beginning. After deciding that an attorney would not get a case for around {$150000.00}, I called Chase and told the representative that I was sure XXXX payment was missing from the very first payment. Also I said I had the proof of that first payment made for the first month because that had happen to me on our first mortgage with Chase 9 years before. 
Then, the associate ask me for a moment and came back to tell me that I was right and they were adding that missing payment. That was the most unbelievable thing that I had ever heard. So simple, so direct ... They did not compensate me for the almost XXXX months that I was making payment a month earlier than I should. Unfortunately, I believe that it has also happened and still happens with many people that do not have time to check their XXXX payments that used to be due before a regular statement being received by the borrower. 
A month ago I refinanced my mortgage and got rid off of almost all the papers, by I still have the mortgage account #, and remember that Chase had corrrect that missing payment between the XXXX and XXXX payment.
Consumer complaint received 2016-10-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (GA)

Consumer Protection complaint through the AG # XXXX. 
Based on information obtained from Equifax, personal credit card limits have been reduced. As a result, the score reported by Equifax ( and sent to XXXX, and other reporting agencies ), has increased my debt ratio considerably. An example is a consumer card ( XXXX ) originally had a {$2000.00} limit. The charge on the card is {$1100.00}. Based on Equifax reporting, the limit on this card and others, has been reduced to the amount owed, consequently publishing a ratio of XXXX % utilization. 

" Your total credit card balance {$16000.00} Your total credit card limit {$24000.00} = Your credit card utilization XXXX % USAGE BY ACCOUNT XXXX XXXX XXXX XXXX XXXX % Balance : {$3000.00} Reported : XX/XX/2016 {$3000.00} Limit XXXX XXXX % Balance : {$4800.00} Reported : XX/XX/2016 {$5000.00} Limit XXXX XXXX % Balance : {$1000.00} Reported : XX/XX/2016 {$1100.00} '' Additional complaints of non-authorized addition to a XXXX XXXX account, goes unheeded.
Consumer complaint received 2015-08-25
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (CA)

I 'm using the Annual Credit Report site with no way to contact any of the XXXX credit companies except by mail. NO PHONE NUMBERS OR CHAT OPTIONS!! When I completed my application, I got a msg that I had already received an credit report from XXXX. When I requested a report from Equifax the little 'computer is thinking ' circle went on forever. I tried two different days to no avail. I searched for recent reviews online and saw XXXX other similar complaints within the month of XXXX 2015. This is unacceptable service. Please look into this. Thank you.
Consumer complaint received 2022-05-23
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: ALLY FINANCIAL INC. (TX)

XXXX XXXX  ran my credit several times, they were not authorized to do this, they have even admitted in the letter I have proof they were not allowed. XXXX XXXX has refused to take it off my credit report. This is absolutely ridiculous and against the consumer protection, I have wrote them with no other response.
Consumer complaint received 2016-05-22
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY (WA)

I submitted a payment to American Express ( AMEX ) on or about ( OOA ) XXXX XXXX 2016 for {$840.00}. 
I received a bill XX/XX/2016 for & XXXX which included {$27.00} in late fees and {$12.00} ( {$39.00} total ) in interest from AMEX. 
OOA XX/XX/XXXX-XX/XX/XXXX I contacted AMEX and complained. I was informed I should 1. Pay my bill on time 2. Read the fine print in the contract. I asked for a Supervisor. 
I informed AMEX I wanted the account cancelled and a total for a final amount so I could pay it. At that time I was told the final amount was {$740.00}. I specifically asked if there are any additional " hidden fees AMEX is going to attempt to XXXX me on ... ''. I was told " NO '' the total is {$740.00} as there were pending charges made by me on the card.. 
On a Sunday XX/XX/XXXX or XXXX XXXX 2016 a AMEX Supervisor ( XXXX ) called me back and explained I was treated rudely and that is not how AMEX operated. I was told the payment in question was logged as being received XX/XX/XXXX and credited on XXXX XXXX ( 2 days after the billing cycle closed. XXXX said she would wave the late fee because of my " excellent payment record ''. She never removed the interest ( {$12.00} ). 
Subsequent to the above events, I received statements online saying my account was closed and that I had a {$0.00} balance. 
The week of XXXX XXXX I received an AMEX statement saying I owed {$3.00} in interest. I called and spoke to ( XXXX ). He said the {$3.00} was an interest charge. I explained the account is closed and I had AMEX tell me the total last month my final total for the account. I asked for a Supervisor and was given to " XXXX '' in Florida. XXXX agreed to wave the {$3.00} charge and said she was sorry. As of this writing ( XXXX XXXX 2016 ) the charge still pends. 
Throughout the entire process I was given conflicting, contradictory and false information by AMEX personnel. I was outright lied to by AMEX personnel and Supervisors ( XXXX ) by them agreeing to assist me then not following through with what they said they would. Additionally, AMEX personnel claimed events that were simply impossible by citing incorrect dates and corporate policy that I felt they made up as they went. Closing an account and settling it, only to continually bill the member is deceptive and illegal. This seems to be the way AMEX conducts their everyday business.
Consumer complaint received 2015-10-30
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (DC)

On XXXX XXXX, 2015, I contacted American Express regarding an interest charge assessed on XXXX XXXX, 2015 in the amount of {$260.00}. I requested a waiver and the customer service representative told me explicitly that the charge would be waived and would appear on my account within a few days. Despite this assurance, the credit has never been applied. I have called back several times and been unable to get resolution of this issue. 

On the same call, I asked the representative about a discrepancy between my statement balance and current balance to determine what amount I needed to pay to make an on-time full payment ( due that day ). For an unknown reason, my statement balance was approximately {$8000.00}, but my current balance was listed as approximately {$2000.00}. The online system would not allow me to pay the larger statement balance, and the representative told me that I should pay the current balance and no late charge would be assessed. I did this, and despite this assurance, American Express charged an interest payment of {$190.00} on XXXX XXXX, 2015. 

Since then, I have contacted American Express on several occasions to understand the discrepancy in balances and to ask for waiver of the XXXX interest charges. Despite lengthy waits and multiple conversations, I have never received any resolution. On multiple occasions I have been told that I would receive call backs that never occurred. 

I am concerned that American Express has ( 1 ) refused to honor a prior commitment to waive an interest payment, ( 2 ) applied an interest payment after I inquired about a discrepancy and was provided instruction about making payment to avoid an interest payment, and ( 3 ) has been unable to explain the discrepancy between the statement balance and current balance. As a consumer, I should have the right to rely on promises made by American Express and to obtain an explanation of unexplained issues relating to my account.
Consumer complaint received 2016-12-18
Product: Credit card — 
Issue: Credit determination — 
Company: AMERICAN EXPRESS COMPANY (GA)

I am not allowed to apply for credit cards with American Express. 

In 2007, I experienced long term unemployment due to the economic turndown. At that time, I was employed in the mortgage industry. After being laid off from XXXX jobs in a short period of time and my house in Florida losing about 65-75 % of its value, I suffered significant financial setback. I eventually had to file for bankruptcy. An American Express card was part of this bankruptcy. 

Now, 10 years after my financial setback and 5 years after my bankruptcy filing, I have rebuilt my financial life. I currently have salary income ( no more commission ) of XXXX a year plus XXXX in bonus income and another XXXX in deferred executive compensation. I have very little debt. 

I merely want to be able to apply for another American Express card. I do n't want any special qualifications. Accordingly, if I qualify on my current credit report and income, I want to be able to receive the card. If my current credit does n't qualify me, that 's fine. I just want an opportunity to fully apply and receive a decision. 

It is important to note that I recently filled out an application online and clicked " submit '' indicating that my application was being sent to American Express. I received a note that they would not consider my application ; however, I did not receive an adverse action notice as required by regulation B, 12 CFR 1002.9. Reading the disclosures I had to read when submitting the application, it was clear that I actually submitted and application that should have received an adverse action notice. 

Please just allow me to submit an application for credit and provide me an adverse action notice if I do not qualify.
Consumer complaint received 2015-04-09
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: ENCORE CAPITAL GROUP INC. (AZ)

On XXXX/XXXXXX/XX/2015 MCM willfully withdrew {$100.00} dollars from my husband 's joint account, when I had called two days prior and told them I had no income, I was XXXX and had lost my job, the rep assured me that they were not going to take any money, and they did. This account receives direct deposit from social security retirement, this is all the money we had to survive on for a whole month. My husband does not owe MCM any monies, nor did he incurred this debt, I did, when we were divorced. I had given them permission to withdraw money while I was working, because they threatened to sue me for not paying them this very old debt, they demanded a specific date for payment, and the only date available to pay was on the XXXX of each month when there was money from his social security available to pay this debt. I would then transfer money from my own account to his when I got paid. They also have refused to correct my name on their account, they have included my husband in my own personal debt, and have altered my husband 's name without legal authority. Please help me solve this situation against MCM.Thank you
Consumer complaint received 2015-11-10
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (MN)

I am in chapter XXXX bankruptcy in MN - XXXX. The office of XXXX XXXX XXXX and Midland Funding received a judgement in their favor and are now attempting to garnish my wages, which is n't allowed under the automatic stay rules of chapter XXXX. The case is XXXX
Consumer complaint received 2016-10-20
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY (CA)

They charge me for annual membership I called and cancelled the card they said everything was okay the account was cancelled and the fee too so I had to destroyed the card and now they send me a new statement XXXX the charge y now they said they have a new policy and I have to pay Whitout using the account
Consumer complaint received 2016-12-26
Product: Prepaid card — Gift or merchant card
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY (TN)

I received an Amex gift card in the mail directly from Amex as a gift from work. I used it at XXXX merchants 1 day apart. I went to use it 2 days later and bal is XXXX s/b {$37.00} ... Went online to view bal and transactions and was used at a XXXX in NY ... I live in TN ... Unfortunately Amex treats cards as cash looks like number was stolen at merchant ... I think it was the XXXX ...
Consumer complaint received 2016-05-26
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: RS Clark and Associates, Inc. (AR)

I questioned this debt after getting harassed by RS Clark via the phone. I had a firm retained to send out for validation of this debt and a cease and desist phone contact order. What they sent back as validation is concerning. It shows my daughter as the guarantor, yet she was XXXX years old at the date of service on the invoice, a medical practice we have never heard of for a specialty my daughter has never required, in state we do not reside in, and a doctors name we have never heard of!
Consumer complaint received 2015-07-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (IN)

I refinanced my Mortgage in XXXX. Then in XXXX HSBC bought the Mortgage. I borrowed 100 % of the value on the home, which was {$150000.00} and have been paying on this mortgage for 13 years. Because of penalties and late payments and added on interest, I still owe over {$140000.00} according to HSBC on the original loan. I have asked and requested several times for them to work with me to lower my interest rate only to be rejected by them. I recently had my home appraised and the value came back as {$130000.00}, so as result I am underwater on this Mortgage with no light at the end of the tunnel. I am currently paying a 7.125 % interest rate. Interest for XXXX XXXX is {$780.00} and principal is {$280.00} = {$1000.00} + {$160.00} ( Taxes ) = {$1200.00}. At this rate I will most likely never be able to repay the Mortgage. The original Mortgage does not show up on the reports, which I find suspicious. I feel HSBC is a predatory lender especially since they have laundered money for XXXX XXXX.