davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-22
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (TX)

Hi. This is my 3rd complaint on American Express for SCRA benefits. I used the chat option through American Express on XX/XX/XXXX to ask them when my accounts would be approved for SCRA benefits. They informed me that my accounts were approved on XX/XX/XXXX and they were still deciding when the actual start date would be. I noticed last week that I have not received any credits for any interest rate I have paid above 6 % and credits for any late fees. I used the American Express chat option again on Friday, XX/XX/XXXX to see when I would received my credits and to see what date they used for my SCRA benefits to begin. They told me they have a start date of XX/XX/XXXX. First, that date is wrong and I have no idea where that date came from. Second, still no credits or reversed late charges from XX/XX/XXXX. My husband was reactivated with the military with a start date of XX/XX/XXXX until present. According to XXXX XXXX XXXX, my accounts need to have a backdate of SCRA benefits to XX/XX/XXXX and any interest I have paid that was more than 6 % and any late fees need to be credited to my accounts. I have sent them my husband 's orders several times and I have been fighting with American Express for almost 2 years now. This is an embarrassment to service members! Please refer to my husband 's military orders again. You will see on page 6 is when his orders started on XX/XX/XXXX and the following pages show additional orders until present.
Consumer complaint received 2024-01-22
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (AZ)

CareCredit Website : Promotional Purchases : If you have a DEFERRED INTEREST/NO INTEREST IF PAID IN FULL promotion : To avoid paying Deferred Interest Charges on these promotion ( s ), you must pay the entire applicable Promotional Balance by the Promotional Expiration Date : I had Three promotional balances that were due by XX/XX/XXXX. One in the amount of {$290.00} and the 2nd in the amount of {$310.00} and another the 3rd one in the amount of {$290.00}. Promotional Expiration Date Promotional Balance : Deferred Interest Charge Tran Date Description Initial Purchase Amount XX/XX/XXXX as of the XXXX XXXX XXXX billing statement. I made a payment of {$310.00} on XX/XX/XXXX which paid off the 1 of the XX/XX/XXXX charges in the amount of {$290.00} and the left over amount of {$21.00} was applied to the XXXX XXXX XXXX promotional balance of {$290.00}. I then made another payment in the amount of $ {$190.00} on XX/XX/XXXX but that payment was applied to a promotional balance dated XXXX {$320.00} but none of these payments I have made since XXXX XXXX  and were applied to the promotional balances for both the 3 for XX/XX/XXXX and the 2 for XXXX XXXX add up and make sense
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

About a month ago i found out that im a victim of identity theft. That started in XXXX & I just found out an extended date XX/XX/XXXX So im working on this traumatic data breach. Which they compromised my name, phone number, the address and my social security number. And my family is very devastated.
Consumer complaint received 2024-01-21
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: Affirm Holdings, Inc (TX)

Affirm and XXXX is reporting information that is inaccurate. I have an equitable interest in this account. Because this account generates interest monthly from the deposit of my security the balance can not be late as XXXX role would be to apply the interest to settle the balance and refund any overpayments to me immediately as the investor. Affirm has failed to do that which means they have failed to accurately access this account which I am going to notify the IRS of my findings. XXXX is being furnished this information and lonely reporting it inaccurately even with my attempts to get the information updated. Since XXXX is securitizing this consumer report they have to accurately account for the money received and since they have a financial history the investigation into their wrongdoing is biased as they stand to gain a profit.
Consumer complaint received 2023-03-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (PA)

In XX/XX/2022 I applied for a loan modification for my mortgage at Fifth Third Bank. I never heard anything back from them on it and later in XXXX I had a buyer who wanted to buy the home. I tried to get a payoff for the sale and never go it. The buyers realty attorney tried also for 2 months to get it from them. Finally after 3 months they gave us a payoff. By then the buyer backed out and in the process had started renovations on the house unknown to me. The house does not have a bathroom now due to buyer demoing it. I asked for a short sale and the bank agreed but will not entertain an existing offer of $ XXXX fothe sale. I paid on the house for 15 years and somehow owe $ XXXX more than I borrowed to buy the house. I borrowed $ XXXX, paid approximately $ XXXX in loan payments over 15 years and they say I owe $ XXXX now. Now they are for closing on it.
Consumer complaint received 2024-01-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Since transferring my mortgage from XXXX to Select Portfolio Servicing , Inc. XX/XX/XXXX, I can not get SPS to make monthly payments with the " fully amortized '' option. Instead, as interest rates increased, less principle is paid. The monthly amount remained the same. With 12 years remaining on the mortgage, I should be paying increasingly more principle per month. I could be looking at a 6-figure balloon payment in XXXX. 

Around XX/XX/XXXX, when interest rates were going up, I noticed my principal amount going down. The mortgage statement has 4 options : " Minimum '', " Interest Only '', " Fully Amortized '', " Accelerated ''. " Minimum '' and " Accelerated '' have the same principal/interest distribution ; they shouldn't be the same. " interest Only '' is not applicable. " Fully Amortized '' has a higher principle, but it appears to fluctuate slightly from month to month but only between about {$900.00} and {$950.00}. 

I've always paid the " Fully Amortized '' with other servicers, so I called to complain. They said they'd correct the situation, but they simply added a fixed extra principle payment of {$270.00}. I still didn't have the fully amortized payment. 

I called a couple more times over the course of a year, and spoke to a reassuring service representative. Ultimately, unsatisfied I finally wrote and mailed a letter on XX/XX/XXXX. SPS responded in writing, called, and told me that payments were being made with the fully amortized option. 

Looking at my Form 1098 for XXXX, I noticed my principal payment was only {$9400.00}, and my interest paid was {$14000.00}. I will call SPS again about this, but my principle should be lower by now. 

I only have the paper brick version of our original XXXX mortgage from XXXX XXXXXXXX ( acquired by later by XXXX ). I requested any original loan documents and information from Select Portfolio Services , Inc. but have yet to receive them.
Consumer complaint received 2024-01-22
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: CCF Intermediate Holdings LLC (TX)

On XXXX XXXX I went to Titlemax located in XXXX XXXX  and took out a loan for {$2000.00} and had the money deposit to my XXXX XXXX account. On XX/XX/year> I went to XXXX  to pay on the loan and added {$500.00} to the loan which I had added to my XXXX XXXX account. On XX/XX/XXXX, I logged on to the titlemax web to make a payment and saw that my balance was {$6200.00}. I checked my bank to verify the deposit for {$2000.00} and {$500.00} and then look at the loan agreement online which did not have my signature and the inflated loan amount. I tried to contact Titlemax but was unable to do so, but will go to the location on XXXX  XXXX of XXXX.
Consumer complaint received 2022-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NE)

On XX/XX/2022 I sent an dispute letter and hard inquiry removal letter to all three credit bureaus XXXX, XXXX, and XXXX to inform the companies that the information on my credit report was invalid information and that I wished for the information to be removed. I have not heard anything back from all three companies. It has been over 30 day and the credit companies are not complying with their own policies in a timely manner. I also sent in an demand letter on XX/XX/XXXX requesting an reply back on my original dispute letter on XX/XX/XXXX.
Consumer complaint received 2018-05-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Choice Recovery, Inc. (FL)

This bill is not being paid because the provider posted unauthorized charges. I called numerous times to reconcile but the office manager refuses to discuss adjusting appropriately even though I have marketing documentation showing promotion rates at the time of service. Bad provider fraudulently charging fees never authorized. I always pay my bills as can be seen by my payment history for much larger amounts but I will not pay this fraudulent bill and be held hostage to a dentist office manager who chooses to make up rules and fees as she desires. No one should be held to pay whatever the provider charges without recourse because they post a charge to collections without having to justify their actions. I suggest all stay away from this provider and find another dentist who is about patient care and not robbing people holding them hostage by sending them to collections because they increase fees without approval from the customer. 
This is NOT about {$250.00}, but the point of this dentist fraudulently charging fees and being very rude when trying to gracefully reconcile the correct amount for prompt payment. I will not pay this erroneous charge. For all those seeking my business, please feel comfortable by seeing my overall payment history that I pay my bills on time for much larger amounts. It is simply the point of it. Thank you in advance for your consideration. 
XXXX XXXX
Consumer complaint received 2020-12-30
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)

I have disputed the following false accounts with the credit bureaus but have not received and response : 1. XXXX XXXX account XXXX 2. XXXX XXXX XXXX account XXXX 3. XXXX XXXX account # XXXX 4. XXXX  XXXX account # XXXX 5. XXXX XXXX XXXX account XXXX Please investigate and delete asap.
Consumer complaint received 2024-01-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

For several years and continuing to today, CapOne 360 Savings Account paid frozen interest of 0.3 % to my long time savings account while creating a CapOne 360 Performance Savings Account that advertised at over 4 % on its main page to new customers. I was never informed that they had frozen the interest rate at a nominal amount in the 360 Savings Account. In fact, they dont even offer that 0.3 % account to any new customers but still have kept long time customers in it. The only way to get the higher rate is to close the old savings open a new one. This is deceptive advertising and bait and switch from the legacy account that I was in. 
Thank you for your attention to this matter. 
XXXX
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

I have made several attempts to reach XXXX  but they only have contact options through email. 
I have a different number and can not sign into account The app is set up for you to pay XXXX & XXXX dollars a month to help build credit it says its a loan but there is no loan only my payments into a account that after a year I get returned I have. All the payments I made on file from my bank account XXXX  up until my car and belongings were stolen in XX/XX/year>. 
After which a few months go by and my credit score dropped by over XXXX pts for default on payments. 
I never received any money nor do I owe them I in fact am owed the money I paid into my account but can not access due to not having the same phone number and the email they send to verify yourself has a XXXX min window after which you have to contact them again the response has always been days later and no resolution. 
My credit went from XXXX to below XXXX
Consumer complaint received 2024-01-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NY)

I have been a member with American Express for their Delta SkyMiles Amex XXXX  credit card since XX/XX/2018. It has annual fee and every year at renewal, a companion certificate is issued for a Delta flight. 

In XXXX, I decided to downgrade my card to a free version as I did not feel it was worth paying the annual fee after changes to Delta 's rewards program. I received a letter in the mail saying that I had until a date in XXXX to reverse the product change. 

Before that date in XXXX, I called customer service and requested reversal of the product change. I asked to confirm if the reversal would truly reverse the change and make it as if I never changed products. The agent told me yes, confirming what was written on the letter. 

The issued the XXXX card again, but will not issue the renewal companion. They claim that I am not eligible because of the product change. I've tried explaining the the letter said I could reverse the change, but they say it doesn't matter. I've asked them to reissue the letter that was sent in XXXX for me to reverify, they are refusing to resend. They will only send me the credit card terms in conditions, as this supports their position. 

I believe they are wrongfully withholding a credit card benefit from me that I should be entitled to. I paid my annual membership fee, which should count as a renewal since I've been a member since 2018. I believe based on what I discussed with them with the written notice I received, they should either issue me with the companion certificate or waive my annual for this year. 

Unfortunately, the written notice they provided me has been misplaced so I can not provide. They do not provide a digital version of the notice, and they will not reproduce the letter.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

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 2024-01-21
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (NJ)

I purchased a {$250.00} gift card for my wife on XX/XX/2023 at a local XXXX. When my wife went to use the card on XX/XX/XXXX, she was advised that the card carried a XXXX balance. She went on the web site and found that the card balance was dumped on XX/XX/2023 at a XXXX XXXX. She was in possession of the card in it's original packaging, unopened. I immediately contacted the company Vanilla Gift cards to dispute the fact that we had a XXXX balance. I provided them with all pertinent information and a dispute form as well. I was advised that I would hear from their " team '' concerning my dispute. To date, I have not received any communication from the company. I have called 4 times, and written numerous e-mails, but have received any information about my refund. 
Today, after almost 60 days, I was advised that I needed to provide them with a copy of the card and a receipt. I do not have the receipt anymore and sent them a copy of the card. Their Customer Service is almost non-existent and their communication as well fails in every aspect.
Consumer complaint received 2024-01-21
Product: Credit reporting 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion credit bureau will not allow access to my credit report. I log in to my Transunion account. I then follow the prompts and instructions on the Transunion website to view my credit report. At this point a message appears that says they are not able to fulfill my request. This has happened numerous times over the last 2 years. When it first happened I contacted Transunion by telephone and was told by a representative that I must first send to Transunion, by mail, among other things, copies of my social security card, and drivers license. I responded that I would never send this type of sensitive information via mail. I was told that I must or Transunion would not be able to verify my identity. The information that I am able to view is largely incorrect. Transunion reports a credit history that dates back to only XX/XX/XXXX. 

I filed a dispute with Transunion and on XX/XX/XXXX received a reply that my dispute results are available. I logged in to my Transunion account. I am still denied access to my credit report and my original dispute was not resolved.
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (NY)

I recently reviewed a copy of my XXXX credit report and I noticed a late payment posted on my credit report from : Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 

XXXX ) XXXX XXXX XXXX XXXX XXXX, DE XXXX Acct XXXX XXXX XXXX XXXX ( XX/XX/2023 ) Your company is in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance 616. Civil liability for willful noncompliance [ 15 USC 1681n ]