davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (VA)

My XX/XX/2023 American Express credit card statement included a charge for {$1.00} for interest. I found out that this was " carried interest '' by calling customer service to ask why there was an interest charge when my prior month 's statement was paid XXXX full and here were no purchases during the current billing statement. The agent told me that carried interest is applied for 2 months after the card is paid in full. This seems unfair and greedy. The agent told me that there was an explanation of carried interest on my XXXX statement. I looked at it and read it back to him. I told him that there is no mention of the 2 month period in the statement. He agreed. He also agreed, at the beginning of my call, to waive the interest. 

I don't know if this practice is allowed by law but the statement should be complete. Otherwise it is not informative of the terms. 

Here is a copy of the description of carried interest in the credit card statement : " About Trailing Interest *Indicates posting date You XXXX see interest on your next statement even if you pay the new balance in full and on time and make no new charges. This is called " trailing interest ''. Trailing interest is the interest charged when, for example, you didn't pay your previous balance in full. When that happens, we charge interest from the first day of the billing period until we receive your payment in full. You can avoid paying interest on purchases by paying your balance in full ( or if you have a XXXX balance, by paying your XXXX XXXX on your billing statement ) by the due date each month. Please see the " When we charge interest '' sub-section in your XXXX XXXX for details. ''
Consumer complaint received 2023-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello I've disputed fraudulent accounts, inquiries and personal information multiple times with the bureaus without a proper or fair investigation since XX/XX/2022. Its been XXXX months and I need these items that I have disputed removed from my credit reports immediately. 


Please see the letters, ftc report and my ID attached to this complaint. 

Thank you, XXXX XXXX
Consumer complaint received 2022-11-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX  # XXXX {$290.00} XX/XX/2019 THE FOLLOWING ACCOUNT IS REPORTING INACCURATE TO MY CREDIT REPORT
Consumer complaint received 2023-01-05
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. (CA)

Hello I've disputed fraudulent accounts, inquiries and personal information multiple times with the bureaus without a proper or fair investigation since XX/XX/2022. Its been XXXX months and I need these items that I have disputed removed from my credit reports immediately. 


Please see the letters, ftc report and my ID attached to this complaint. 

Thank you, XXXX XXXX
Consumer complaint received 2018-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (NJ)

I have had a Master card with XXXX XXXX for years and I attempted to log in to my XXXX account approximately XX/XX/2018. The screen stated that the account was invalid, and I noticed that under the log in block was a customer service number. I called the number that was listed and it was for the customer service department for a credit card company that I have never heard of, XXXX XXXX. The customer service rep informed me that XXXX had taken over the accounts from XXXX. I explained that I was never notified of the conversion to a new company or the terms of the new credit card and NEVER received a credit card. She stated that a new credit card would be sent out soon. On XX/XX/2018 I received a statement from XXXX and I noticed that the minimum payment had gone up considerably. I again called XXXX customer service and explained my dilemma, the representative said I missed the opt out period and said that there is nothing that can be done at this point I understand when a credit card company does a conversion a customer is supposed to be given an opt out option and be informed of the terms, I was not sent any information about this conversion and I was never notified of the increase in the APR, if I was properly notified I would have chosen not to go with this company. To date I still have not received a credit card.
Consumer complaint received 2023-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the fair credit reporting act. The last of account below has violated my federally protected consumer rights to privacy and confidentiality under is U-S-C- 1681. 
( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX account number # XXXX Name= XXXX XXXXXXXX account number # XXXX Name= XXXX XXXX account number # XXXX Name= XXXX XXXX account number # XXXX Name= XXXX XXXX XXXX XXXXXXXX Name= XXXX XXXX # XXXX Name= XXXX XXXX  # XXXX Name= XXXX XXXXXXXX # XXXX Name= XXXX XXXX XXXX XXXXXXXX Name= XXXX XXXX Bank # XXXX Name= XXXX XXXX XXXX XXXX XXXXXXXX Name= XXXXXXXX XXXX XXXXXXXX # XXXX Name= XXXX XXXX XXXXXXXX Name= XXXX XXXX XXXX XXXX Has violated my rights.. 

15 U-S-C 1681 Section 602 A- Stat 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 an account without my written instruction.

15 U-S-C- 1681 C- ( A ) ( 5 ) Section state : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other advice item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U-S-C 1681 -2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer agency if the person knows or has reasonable cause to believe that the infomation is inaccurate.
Consumer complaint received 2022-11-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NJ)

Based on the PMI clause, borrower can request the loan to value ratio reaches 80 %. Also, PMI clause states that Loan to value ratio reaches 78 %, PMI can be automatically removed. 

The company conducted the appraisal of my home and told me that my current Loan to Value ratio is 76 %, but the company denied to remove PMI. The requirement is 75 %. 

But the PMI clause that I signed has no requirement of 75 % at all. 

The company must remove PMI immediately based on the PMI clause.
Consumer complaint received 2018-06-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (IL)

XXXX XXXX - XXXX I CONTINUES TO RECEIVE REPEATEDLY PHONE CALLS ALL THROUGH THE DAY NEVER SEIZES. 

XXXX ( XXXX XXXX ) XXXX XXXX ( XXXX XXXX ) XXXX XXXX ( XXXX XXXX ) XXXX XXXX ( XXXX XXXX ) XXXX XXXX ( XXXX XXXX ) XXXX XXXX ( XXXX XXXX ) XXXX XXXX ( XXXX XXXX ) XXXX XXXX ( XXXX XXXX ) XXXX XXXX ( XXXX XXXX ) XXXX XXXX ( XXXX XXXX ) XXXX XXXX ( XXXX XXXX ) XXXX THERE WAS MORE CALLS I WOULD NOT HAVE ENOUGH SPACE TO LIST THE OTHER PHONE CALLS.
Consumer complaint received 2017-05-09
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: FORD MOTOR CREDIT CO. (NJ)

I filed for Bankruptcy Protection on   XXXX   XXXX   XXXX   and also filed a Reaffirmation of Debt with Ford Motor Credit. During the Bankruptcy Period, Ford Motor Credit was Prohibited from collecting auto payments in lieu of my reaffirmation, enforced by   XXXX   XXXX   XXXX   XXXX  , that I would not include my car as part of the bankruptcy case. I held up my terms of the reaffirmation of debt agreement and was discharged from Bankruptcy protection on   XXXX   XXXX   XXXX  .

Therefore for:   XXXX   XXXX     XXXX   XXXX  
  XXXX   XXXX  
  XXXX   XXXX  
my account payments should either be in good standing or Not reported. However, Ford Motor Credit refuses to update my account and all   XXXX   credit bureaus refuse to correct my credit report. 
It shows:   XXXX   XXXX  : 30 days late   XXXX   XXXX  :  OK, which is odd because I did not make a payment and in   XXXX   XXXX   I was apparently 30 days late
  XXXX   XXXX  :    30 Days late
  XXXX   XXXX  :  Back to OK, even though I did not make a payment and was apparently 30 Days late in   XXXX   XXXX  .

This results in my credit score being lowered and I have been turned down for credit on numerous occasions, citing information in my credit report from all  XXXX  credit bureaus.

In particular, I was turned down for an important car loan from my own   XXXX   XXXX   XXXX   XXXX  , due to my payment history with Ford Motor Credit. 

Please help correct my Ford Motor Credit Account with all  XXXX  bureaus.
FORD MOTOR CREDIT   XXXX    XXXX   XXXX  
 XXXX , NE  XXXX 
  XXXX   XXXX  
Date Opened:	 XX/XX/XXXX 
Responsibility:	Individual Account
Account Type:	Installment Account
Loan Type:	AUTOMOBILE
Balance:	  XXXX   Date Updated: XX/XX/XXXX 
Payment Received: XXXX 
Last Payment Made:	 XX/XX/XXXX 
High Balance: XXXX 
Pay Status:	Current; Paid or Paying as Agreed
Terms: XXXX  per month, paid Monthly for 72 months
Date Closed: XX/XX/XXXX 
>Maximum Delinquency of 30 days in  XX/XX/XXXX  and in   XXXX  <
Remarks: REAFFIRMATION OF DEBT; DISP INVG COMP-RPT BY GRNTR; CLOSED

 
 XX/XX/XXXX    XXXX     XXXX   
 XX/XX/XXXX 
 XX/XX/XXXX 
 XX/XX/XXXX    XXXX     XXXX     XXXX     XXXX  
Rating
OK
OK
OK
OK
OK
30
30
OK
OK
OK   XXXX  
 XX/XX/XXXX 
  XXXX   
 XX/XX/XXXX 
 XX/XX/XXXX 
 XX/XX/XXXX 
  XXXX    XX/XX/XXXX    XXXX     XXXX  
Rating
OK
OK
OK
OK
30
OK
30
OK
OK
OK
Consumer complaint received 2022-11-16
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NJ)

This company is absolutely lying. I have several pieces of proof that I have complied. In fact their own agent has confirmed that indeed he was here several months ago and collected my signed document which his company photographs and sends to them. He recalled vividly that the same thing happened last year and the year before. When he was here I showed him proof of me taking pictures of the documents when I was at the post office. But I agreed to sign again. Sure enough, he was just at my door again on XXXX XXXX fo the same thing again. He recalled again that he was here. This has been going on yearly. I received four such documents with the threat of foreclosing my home. I intend to file criminal harassment charges against them It is beyond cruel that I must receive these constant threats. I have been advised by my local police department that since I have substantial proof that I have been enduring this yearly and actually have this gentleman showing up at my door fo the same this constitutes harassment. I am still being verbally abused by their callers. 

THIS MATTER SHOULD BE MARKED AS CLOSED. WHERE IS THE PROTECTION FROM THIS ROGUE BULLY COMPANY HARASSING ME AND OTHERS? I WILL AT A LATER TIME PROVIDE PROOF THAT THIS IS COMMON PRACTICE FOR PHH
Consumer complaint received 2022-11-16
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. (TX)

I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. They sent me a letter stating that they verified the information. PISH POSH I say. I dont consider sending some computer-generated generic letter verification. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please delete the late payment from this account : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX. I check my credit scores with XXXX XXXX. TransUnion is XXXX of the scores I check. When I go to View Changes, on XX/XX/2022 it says " XXXX XXXX account removed from your file '' - and for this I lost XXXX XXXX of credit. I don't know why it was removed and why I lost credit. If it should be there, I would like it reconnected to my file. 
Thanks, XXXX
Consumer complaint received 2022-11-16
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: Experian Information Solutions Inc. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below and delete these immediately : XXXX XXXX COOP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX MD ) XXXX XXXX  ( XXXX XXXX : XXXX XXXX XXXX ) XXXX XXXX  XXXX  SERV ( Original Creditor : XXXX  BANK ) XXXX
Consumer complaint received 2022-11-16
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: EQUIFAX, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below and delete these immediately : XXXX XXXX COOP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX MD ) XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX ) XXXX XXXX  XXXX  SERV ( Original Creditor : XXXX  BANK ) XXXX
Consumer complaint received 2022-11-16
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. (PA)

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 U.S.C. 1681 15 U.S.C. 1681 section 604A section 2 It also states a consumer reporting agency can not furnish a account without my written Instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C . 1681 section 602 A states I have the Privacy 15 U.S.C. 1681 section 604 A section 2 It also states a consumer reporting containing any of the following Items of information any other adverse item of Information other then records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681 s-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 resonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (MD)

XX/XX/XXXX - Overdraft of {$35.00} by Wells Fargo on an amount of {$9.00} XX/XX/XXXX - Overdraft fee of {$35.00} by Wells Fargo on an amount of {$8.00} Wells Fargo allowed for my wages to be garnished in XXXX and then had a withdrawal fee on top to that. I do not have access to the XXXX information, because the bank did not provide statements.
Consumer complaint received 2017-05-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (PA)

This is t he 3rd c omplaint I 'm submitting ag ainst Ditech Financial. I   keep sending the proof and I 'm getting no where. In  XXXX   XXXX  sold the mortgag e to Green Tree, who then became Ditech. T hey keep saying that I had a NSF from  XXXX   XXXX ,  XXXX . My  XXXX  payment was sent to  XXXX  and cashed, paid to the ord er of Green Tree. I ' m attaching a copy of the cashed check. I was using my boyfriend 's bank account but my loan # was on the check and as you see, it was not returned as NSF. I 'm also getting statements fro m Ditech  showing " funds in suspense ''. They are not applying my funds to my principal balance, I do n't know what they are doing with my money. I pay twice a month, this was done to pay off the loan sooner. First they said I was in default from  XXXX   XXXX , now they say that was wrong, it 's  XXXX   XXXX , well the cancelled check is attached. I also received the attached threatening letter about foreclosure. It 's dated  XXXX / XXXX / XXXX , and it says my next payment is due  XXXX / XXXX / XXXX . Also attached are my bank statements, I ha ve two diffe rent banks. As you can see, both payments for  XXXX  were taken from my accounts and the first payment for  XXXX  was also taken. Where is this money going? Why is there not a class action law suit. Read all the complaints that you 've received. They are all similar to mine. The closer you get to paying off the loan, the more they threaten and say you owe money. This has been going on for 4 years, I keep sending them the check. My payments are not being applied properly. They are literally stealing my money. Attached is the cashed check from  XXXX / XXXX / XXXX , a copy of the threatening letter received on  XXXX / XXXX / XXXX , a copy of the fax sent to  Ditech  today,  XXXX / XXXX / XXXX  with the cancelled check and my bank statements showing both payments for  XXXX   XXXX  and one for  XXXX   XXXX , the other gets paid  XXXX / XXXX / XXXX .
Consumer complaint received 2017-05-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (FL)

XXXX , as you have stated, yes nelnet has indeed sent some information. it is incomplete and inaccurate.     the information is NOT in chronological order as i have requested.     the information does NOT contain a complete breakdown AND explanation of fees charged, etc.     do you really think i would continue to ask for something i have received?     i completely disagree with the balance your company is reporting that i owe.     please provide proof. thank you.
Consumer complaint received 2022-11-16
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: EQUIFAX, INC. (CA)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly, I found that under section 605b ( a ) XXXX, Equifax, and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00} and XXXX XXXX XXXXXXXX XXXX Date Filed/Reported : XX/XX/XXXX Asset Amount : {$0.00}.