davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (CA)

I would like to begin by stating that I absolutely love my AMEX Gold Delta Skymiles account. However, I feel that the interest charge on my account was a usury violation. 

My XX/XX/2020 AMEX bill, due XX/XX/2020 was {$15000.00}. I paid {$10000.00} towards that balance, knowing that I would incur an interest charge on the balance. When the interest posted, the amount seemed high for the balance which was left unpaid. 

My XX/XX/2020 AMEX bill, due XX/XX/2020 was {$10000.00} of which {$5200.00} was the remaining balance from the previous statement. On XX/XX/2020 I paid the entire statement balance. Yet on XX/XX/2020 I was charged {$130.00} additional interest. 

On XX/XX/2020 I called and spoke to XXXX ( ID # XXXX ) from the XXXX XXXX call center. He informed me that I was charged interest based on the TOTAL amount of the bill, regardless of how much I had paid towards the balance. He stated that regardless of the fact that I had paid $ XXXX towards the XXXX billing, on XX/XX/2020 I was charged interest of {$170.00} based on the TOTAL amount of the statement balance ( {$15000.00} ), not the ACTUAL balance remaining unpaid ( {$5200.00} ). The interest was for the period of XX/XX/2020 to XX/XX/2020. He further stated that even though I had paid off the entire balance of the XXXX bill by XX/XX/2020, I was still charged interest of {$130.00} on XX/XX/2020 based the entire statement balance ( {$10000.00} ) instead of the outstanding balance ( {$0.00} ).  The interest charged was for the period of XX/XX/2020 to XX/XX/2020. 

I told him that I can understand and agree that Amex is entitled to charge me interest on the UNPAID balance of {$5200.00} from the XXXX statement, but that I believed that charging me interest on amounts which were already paid is a usury violation and that I would need to report it to the FTC. 

I asked XXXX to please put in a dispute for the interest so that someone could review it to verify if what he had told me was correct. He refused and stated that they are not allowed to put in a dispute for interest charges. 

As I stated above, I am fully aware that I owed interest to AMEX for the {$5200.00} which was unpaid. However, I feel that overcharging, just because they believe no one will catch on or report it, constitutes unfair usury practices. 

By my calculations, based on AMEX 's interest rate of 22.74 % APR, the interest owed on the outstanding unpaid balance of {$5200.00} for the 48 days is only {$150.00} TOTAL. I calculated it as follows : 22.74 % APR translates to 0.062301369863 % per day. 
Time frame of XX/XX/2020 to XX/XX/2020 is 48 days. 
Outstanding balance remaining unpaid as of XX/XX/2020 {$5200.00}. 

{$5200.00} X 0.062301369863 % X 48 days = {$150.00} In total I was charged {$310.00} and am owed a refund of {$150.00}.
Consumer complaint received 2020-08-16
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. (TX)

To whom it may concern, I have made multiple attempts to reach out to Equifax to dispute several accounts that are inaccurate and unverifiable. I've attached the dispute letter which has received no response for over 60 days. Due to this delay and neglect, Equifax has failed to follow federal laws as outlined by the FCRA. These negative accounts have caused me much personal grief and I have attached my demand to comply letter which has also been ignored. I have proof of my letters being delivered on time through USPS certified mail. 
There is absolutely no valid excuse as to why Equifax has refused to respond. I would appreciate your help in resolving this issue and making Equifax comply with the federal laws made to protect consumers such as myself. Thank you.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CHARLES SCHWAB CORPORATION, THE (CA)

I opened an account with a banking company- they provided me an account number on the day I opened the account XX/XX/XXXX and on XX/XX/XXXX they sent an email stating that they are closing the account. Per 15 U.S.C. 1681 - The banking system is dependent upon fair and accurate credit reporting. This bank did not perform this.
Consumer complaint received 2020-08-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (FL)

I agreed some time ago to go paperless with Chase who holds my home mortgage and with whom I also have a credit card. I handle everything online and I have automatic payments for both coming out of my checking account. Access to my online accounts is the only way that I can obtain copies of my statement, check the mortgage balance, insure my payment posted and see what transactions are on my credit card and the amount due, or dispute an amount. 
On XX/XX/2020, I attempted to log into Chase and after entering my user ID and password, I received a popup that blocked me from entering the website stating I had to read and sign two statements and I must agree to both statement or access to my accounts is denied. The two agreements are an Electronic Disclosure Consent and Digital Service Agreement. This constitutes extorsion. Read and sign you agree ( no matter what the statement says or whether I agree ) or you will never have access to your accounts again. Where does that leave me? 
If an agreement is mandatory, why I am I being told to sign that I agree because not agreeing is not an option as the result is the same, I will be denied access. I need access to my accounts without having to read and sign anything. Chase should have emailed the agreements to me and advised me that I would be required to sign them ( state a timeframe ) and if I did not do so or did not agree with the statements, I would have to log in before the end of that timeframe and change my options to return to receiving paper statements and no longer have online access. Instead, they know customers who do not get paper statements must access their accounts online so they block the customer and state, sign and agree to this or else you will never be able to access your accounts again ever. 
I can't even access my accounts to change to paper statements. They are preventing me from reviewing my credit card statement to know if the charges are valid before they withdraw the money from my account. I can't dispute what I don't know. This is the definition of extorsion and I should have some credit protection from a heavy-handed company blocking all access to my accounts after soliciting me to go paperless and not advising me that doing so Chase has the right to shut down all access to my accounts anytime they wish for any reason. 
Chase should be fined for their extorsion tactics.
Consumer complaint received 2020-08-04
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RoundPoint Mortgage Servicing LLC (NC)

My wife and I have an FHA home mortgage through Roundpoint Mortgage Servicing Corporation. We currently owe about {$270000.00}. Our home was just appraised for {$530000.00}. We want to refinance to take advantage of a better interest rate as well as getting rid of our PMI. This would save us over {$200.00} each month. We applied to refinance with Roundpoint Mortgage Servicing Corporation. The refinance was for a conventional loan that came out to about {$280000.00} after refinancing costs. My wife and I both make more money than we did when we first got the loan. It was originally a loan for {$250000.00} to purchase the home as a short sale, and {$50000.00} cash to make improvements. We have had this loan since XX/XX/XXXXand never have missed a payment or been late. We submitted our tax returns for two years. XX/XX/XXXXwe showed an income of {$96000.00} and XX/XX/XXXX we showed an income of {$100000.00}. I am an XXXX   XXXX  at a local XXXX XXXX XXXX and my wife owns  a XXXX XXXX. She has been in XXXX for 8 years and has shown a steady profit each year. She owned the XXXX when we got our original loan and we were approved based on her income and my income. Her XXXX  is seasonal. She earns most of her total annual income in the second half of the year and really makes most of it in the fourth quarter. We can prove this and have offered income statements from XX/XX/XXXXshowing the majority of the income coming in the latter part of the year. We have offered up evidence to show this is a trend year after year. Roundpoint Mortgage Servicing Corporation refuses to acknowledge her income on an annual basis and only will look at her current year income. Currently, she shows a net income of about {$13000.00}. She actually has earned more so far this year than last year to date. As someone that is on salary, Roundpoint is willing to acknowledge my annual income, but refuses to acknowledge my wife 's income as a XXXX  XXXX  owner. I feel their practice is discriminatory against XX/XX/XXXXXX/XX/XXXXowners   and I feel that they are discriminating against her specifically as a female XXXX owner. She deserves to be given credit for the success of her XXXX  after 8 years of proven financial success. Roundpoint Mortgage Servicing Corporation will not even give her a chance to show this track record. They have shut us down. I also am concerned that Roundpoint Mortgage Servicing Corporation is unfairly stopping us from gaining a better interest rate and allowing us to drop our PMI. It seems that they stand to lose money in the long run if we refinance, so they are using poor and discriminatory lending practices in order to stop us from saving money in order to keep their own financial standing. The simple fact is, my wife and I make more money now than when we first got our loan. This loan will decrease our monthly spending by more than {$200.00}. It makes no fiscal sense for Roundpoint to prevent us from refinancing.
Consumer complaint received 2022-07-22
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. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2024-03-14
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. (GA)

They have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) Failure to validate this alleged debt. FDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] False or misleading representations
Consumer complaint received 2023-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing in regards to my credit report, which I recently obtained and noticed several errors that require your immediate attention. 

Firstly, the previous addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, both located in XXXX, MD XXXX, do not belong to me. I request that you remove these addresses from my credit report as soon as possible. 

Secondly, the employer listed under my account number as US Dept of Education and US Department of are incorrect. I do not work for either of these organizations and request that you delete them immediately from my report. 

Thirdly, I noticed that the account number XXXX XXXX XXXX XXXX  has been reported as updated when nothing has been changed. I urge you to remove the incorrect late payments from this account as soon as possible. 

Fourthly, the account number XXXX XXXX XXXX XXXX  does not belong to me, and I request that you remove this inaccurate information from my credit report immediately. 

Fifthly, the name listed under my account number as XXXX XXXX XXXX belongs to someone else. I request that you delete this name from my report immediately. 

Sixthly, the previous address of XXXX XXXX XXXX XXXX XXXX in XXXX, MD XXXX is listed twice under different account numbers. This address does not belong to me, and I request that you remove it from my credit report immediately. 

Seventhly, the inquiry from XXXX on XX/XX/XXXX has reached the statute of limitation, and I request that you remove this inquiry from my credit report. 

Finally, the account number XXXXXXXX XXXX XXXX XXXX XXXX has been reported as updated when nothing has been changed. I urge you to remove the incorrect late payments from this account as soon as possible. 

I appreciate your attention to these errors and request that you take the necessary actions to correct my credit report as soon as possible. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX Last reported XX/XX/2020 {$180.00} XXXX XXXX XXXX Last reported XX/XX/2020 {$640.00} Reported balance This is NOT my account. This account belongs solely to XXXX XXXX, XXXX. 
I have addressed this issue with all 3 credit bureaus and would like the information removed.
Consumer complaint received 2020-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX Last reported XX/XX/2020 {$180.00} XXXX XXXX XXXX Last reported XX/XX/2020 {$640.00} Reported balance This is NOT my account. This account belongs solely to XXXX XXXX, XXXX. 
I have addressed this issue with all 3 credit bureaus and would like the information removed.
Consumer complaint received 2023-08-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Deinde Online Services, LLC (FL)

Good day, I took out a loan that was advertised to have a lower interest rate than what I am paying at the moment. 

I am now paying 188 % on a {$1700.00} loan. I have paid on-time and would like to get out of paying the insane interest rate. 

Is there a way that you can help, please? 

Sincerely,
Consumer complaint received 2020-08-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (FL)

I opened a Citibank Priority account on XX/XX/XXXX. In order to receive the offered bonus as well as avoid account fees we transferred {$50000.00} into the saving account. On XX/XX/XXXX I realized that our checking account is marked as closed. I had a phone conversation with an agent, who was unaware of the reason of the closure, and told me that she submitted the complaint and someone would contact me within 48 hours. Four days later I have not received any communication from Citi and upon checking my account I found out that ALL of my money - {$50000.00} - were withdrawn by " Other ''. The phone agent XXXX told me that it was Citibank itself that withdrew my funds, marked my Saving account for closure and would mail me the check. She said she did not see why they closed the account. She could not give me any other information. She also refused to give me any written confirmation of what she said. I did not receive any notification of this withdrawal. I had then talked to an agent on Citi website live chat : the chat agent somewhat contradicted the information, stating that she saw both accounts as fully active, and the check WAS mailed to me on XX/XX/XXXX. She could not provide me neither with tracking information, or any other information regarding how this withdrawal happened. She also refused to say what would happen if I do not receive the check, just like I have never received Citi Debit card, which they, as it turned out, never sent. It is outrageous that they simply withdrew this huge amount of money I trusted to this bank without any notice, and refuse to give me any guarantee of when I will get my funds back. I have no reason to believe that the check was mailed, and I have to time to wait because I need my money to be available to pay my bills.
Consumer complaint received 2018-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Around the year 2000 I had a debt account with Bank of America. I was not notified about an overdraft and I was charged around 35 dollars a week I believe. So I ended up paying the bank {$600.00}.
Consumer complaint received 2022-07-22
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. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2016-02-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (FL)

I sent a letter to Credit Bureau certified in XX/XX/XXXX because I am a victim of Identity theft. I was requesting a security freeze. I sent all the required documents -id, police report, ss card and utility bill and asked specifically for a freeze. I received response back from Equifax and Experian both that instead they placed an Extended Fraud alert and ignored my request for a security freeze.
Consumer complaint received 2020-08-15
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)

Equifax is failing to investigate the incorrect credit report from XXXX on my credit report. Equifax is failing to investigate the incorrect credit report from XXXX on my credit report. I have sent them two certificated and notarized affidavit with supporting evidence on how XXXX XXXX  had incorrectly sum up with payments and are still charging me a late payment even through the last payment was higher than the actually payment. Theamount past due was for {$6500.00}. The last actual payment amount of {$7100.00}. {$7100.00} is greater than XXXX. Also, their math is incorrect. My monthly payments were {$400.00}. For example on the 13th month, they claimed that the balance owed was {$5400.00}, but the correct math for the alleged debt is {$5200.00}. They are also changing the dates so it shows that I have been late within the sixty days.
Consumer complaint received 2020-08-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Northern Service Bureau, Escanaba Inc. (WI)

They called my parents house and told my dad that I had debt and I needed to pay it if I didnt they would come to my work with a warrant for my arrest
Consumer complaint received 2015-12-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I checked my Equifax Report and Found a collection account from XXXX, I notified both XXXX and Equifax that these are Fraud and asked Equifax to block this account under FCRA Section XXXX and XXXX ( a ) ( XXXX ). Equifax failed to respond and did not follow the law and blocking these accounts that were setup as a result of my id information being used Fraudulently. I included the US DOJ Case # XXXX in my complaint, the DOJ arrested a person that has all of my info and also Fraudulent ID documents of mine and were selling it off to other people as well!!
Consumer complaint received 2018-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I am requesting that PRA show the date of last activity. I have requested the last date of activity. PRA have omitted my request The last payment made to the original creditor ( OR ). PRA can only report this debt seven years from the OR date. P

RA can not re-age the 7 year report time.

PRA must show the date of last payment. PRA.