davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (CA)

On XXXX I paid in full my Amex balance of {$32000.00} which was due today XXXX. Despite having accounted for the advanced payment and updated the balance due to zero, Amex failed to update the e-bill sent to my checking account with XXXX XXXXXXXX XXXX. As a result of Amex negligence, XXXX XXXX XXXXXXXX paid again today {$32000.00} to Amex resulting in a very low balance of my checking account. I immediately called American Express and they were unable to refund me today. Not only Amex received my full payment in advance, it also charged me for the same amount even if the balance was zero at the time of the monthly due date. The Amex representative said that it will take 3 to 5 business days to get the refund. As a result, I will likely incur overdraft fees because my checking account is very low and have payments scheduled. Because this situation is only the result of Amex negligence, I would like Amex to 1 ) pay for any overdraft fees that may result from the balance of my checking account being low and 2 ) pay for the interests accrued from the time Amex received the additional payment and the time the refund posted on my checking account.
Consumer complaint received 2022-02-22
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Village Capital & Investment LLC (TX)

My Covid forbearance ended on XX/XX/XXXX and I applied for a VA Disaster Modification. I was told in XX/XX/XXXX that the request was denied but was never told a reason. I am able to make all mortgage payments and can afford an increase to the mortgage payment if that occurs. On XX/XX/XXXX I applied for a VA Partial Claim and was told on XX/XX/XXXX that the Partial Claim will not be reviewed until a Modification Application has been submitted. I personally spoke with the VA Regional Office and they advised the VA Disaster Modification and the VA Partial Claim DOES NOT require a modification application. I would like the lender to consider me for the VA Disaster modification OR the VA Partial Claim again I am fully able to make the mortgage payments even if the payment amount increases.
Consumer complaint received 2020-12-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Byrider Franchising, LLC (MO)

An unauthorized payment was made by cnac  XXXX missouri  when i reached out to ask why they told me the co buyer which had taken over the account was one day late. When i asked why i wasnt contacted beforehand and asked if my card could be charged they had no answer. I told them months ago to remove my card off the account and not to use it for future payment, when they updated the account and the co buyer provided his payment information they said they did and they did not. When they charged my card it caused an overdraft to my bank. I would have never authorized a payment knowing i didnt have the funds available. What they did was theft. I never signed any paperwork for auto pay or reoccuring payment authorization in fact i was told they removed my card and the co buyer who had taken over was the one they would contact for future information or payment and also that in order to process auto pay i had to come in and sign a document which i never signed. They had no permission to use my card.
Consumer complaint received 2020-12-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated (MD)

On XX/XX/2020, I was notified that a collection agency had placed a collection on my credit report. The collection account was opened due to an outstanding medical debt that I'd received for stitches. However, I can not incur medical expenses as I am a XXXX veteran with an above 30 % rating and covered by the MISSIONS act. 

I contacted the collection agency, Consumer Adjustment Co, around XX/XX/XXXX about a mistaken medical debt from XXXX XXXX XXXX. I am a XXXX veteran who is covered for all medical debts, and the origin of the debt was notified that it improperly billed the XXXX  XXXX XXXX. 

I called the collection agency, and they told me that they could not discuss the issue with me and could not resolve it based on me being a XXXX veteran who could not legally be charged with medical expenses pursuant to the MISSIONS Act. All medical expenses are covered due to me being a XXXX XXXX veteran ( with a XXXX XXXX rating ). 

I then called XXXX  in early XX/XX/2020 and opened a dispute. After the dispute was complete, one of the debts was deleted from my credit report, but the other, an identical account with a different account number, remained. 

I called XXXX on XX/XX/XXXX to get it removed the same way the other account was, and they hung up on me once, and then muted me the second time. They did not resolve the dispute and remove the collection account from my credit report and it is still negatively affecting my FICO  score. 

I've attached the letter that I sent to XXXX  regarding the dispute. I also sent XXXX  proof of my XXXX XXXX. I can provide this upon request. I can provide other personal details and report details upon request.
Consumer complaint received 2022-10-02
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. (IL)

XXXX XXXX XXXX # XXXX has violated my consumer rights. 15 USC 1681e ( b ) Accuracy of Report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Permissible Purposes of consumer reports 15 USC 1681b ( a ) ( 2 ) States that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates 15 USC 1681 ( a ) ( 4 ) states that there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy
Consumer complaint received 2021-12-20
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (TX)

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY INFORMATION TO GET AN APARTMENT IN MY NAME. THE FOLLOPWING ACCOUNT WAS FRAUDULENTLY OPENED IN MY NAME : XXXX XXXX XXXX OPENED : XX/XX/2016 XXXX. XXXX
Consumer complaint received 2020-12-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

today ( XX/XX/2020, we reported a scam to both Bank of America and XXXX We were scammed by a company. we made a payment with bank of America via XXXX to account ( XXXX XXXX XXXX ). We immediately noticed the seller is fraudulent. Contact with my bank and open an fraud investigation. with ref number XXXX. 

Bank of America told us it would take 10 to 45 days. 

Bank of America transfer the money to XXXX XXXX.We called the XXXX to report the fraud with but they are not taking our scam claim. Simply being part of the fraud and helping the fraudulent. in XXXX  we talked to XXXX and XXXX. 

we did all our part to report the scam and scammer but banks is acting slow because it is my fault. we can not stop the fraud and recover our money because both Bank of America and XXXX XXXX  are not taking promptly. In this process there is no way to stop scammers.
Consumer complaint received 2021-12-21
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: Experian Information Solutions Inc. (NY)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2020-12-28
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. (OH)

Transunion failed to investigate a fraudulent account that I notified them about. After submitting the dispute, Transunion " verified '' that it was accurate within a couple of days. I opened another dispute to tell them to investigate the issue fully as required by law, but the dispute has been opened with no resolution for over 60 days. This account was opened fraudulently with the original creditor and it's not possible to verify it as it wasn't opened by me or with any of my information ( other than SSN ). XXXX XXXX XXXX customer service has verified this as fraud, but I am still waiting to hear back from the Fraud Department. 

This complaint is not because of the fraud or inaccurate information, it is because Transunion failed to properly investigate an respond to my dispute.
Consumer complaint received 2020-12-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (IN)

I was sent an agreed judgement for biweekly payments of {$11.00} starting on XXXX the paperwork was not received till after the XXXX. When i contacted them to get a revised agreed judgement they insisted i sign the one that has a date that has already passed. I have since also received a letter saying i am now in default of said agreement. i contacted someone to explain that i will not sign something with a back date that shows i did not keep my end of the agreement and that i would need a revised agreed judgement with a future date and they advised that they will not do that. their practices are misleading and malicious. I told them i would start the payment in XXXX to allow them time to send me a revised agreed judgement with that date and that i would be happy to sign that. They will not do that. they are trying to make it appear that i am not willing to pay when i am but i will not sign a legal document showing i was supposed to make a payment on XXXX when the document was not received till after that time. i believe they intentionally sent it after the due date to they could continue to proceed against me legally and not honor the payment agreement that their website initially let me set up, auto deducted payment from my bank account and then automatically took off.
Consumer complaint received 2021-12-21
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)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2020-12-28
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)

I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. The accounts in my profile are not mine. Please help me and remove these wrong unknown accounts as they kill my report. Also this wrong information influencing on my life.
Consumer complaint received 2020-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

The Capital One credit card account was closed on XX/XX/2020. They owe a refund of {$1400.00}. I have written them and called, and they said the refund would be issued in two billing cycles. It has been 2 1/2 months.
Consumer complaint received 2020-12-28
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. (IN)

XXXX and Equifax has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX on. XXXX  completed their research on XX/XX/2020 and determined that XXXX XXXX was not established by myself but XXXX and Equifax keeps verifying this accounts. Also, when I called the company they responded that XXXX or Equifax did not send them all of the verifying evidence to confirm each account is unverified
Consumer complaint received 2023-06-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION (NC)

I opened the checking account on XX/XX/XXXX, made XXXX direct deposits on XX/XX/XXXX, and XX/XX/XXXX totaling more than {$1000.00}, which is within the 90 day period after account opening. I am supposed to receive a one time {$400.00} bonus according to the terms during account opening. I went to the branch on XX/XX/XXXX, the representative wasn't helpful. I called the customer service on XX/XX/XXXX, they said that I should receive the bonus within 30 days. It has been more than 30 days, I still haven't receive the bonus according to their terms.
Consumer complaint received 2022-02-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NJ)

On XX/XX/XXXX and XX/XX/XXXX I made multiple transactions via XXXX in the amount of {$2000.00} to an imposter posing as a XXXX XXXX manager stating I needed to purchase insurance to claim or be compensated for my lost baggage with the airline. They had all my flight details. The number they used to call me was XXXX. The name of the imposter used was XXXX XXXX. They tricked me into buying a XXXX play gift card in the sum of {$200.00}. Which I also haven't been reimbursed for. I lost a total of {$2200.00} I immediately called the bank on XX/XX/XXXX to file a dispute. The claim was closed on XX/XX/XXXX stating that the funds can not be returned to my account. Please help me, I am a single mother of XXXX. Unemployed. please please please help me in being credited back my money.
Consumer complaint received 2020-12-28
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: AmeriCollect (GA)

I have accounts that dont belong to me and have been removed fromm my credit report by XXXX and XXXX. XXXX  has not removed any of these accounts that are incorrect and negatively affecting my credit XXXX credit score.The accounts are listed below : 1 ) XXXX XXXX- account # : XXXX, opened XXXX, XXXX, XXXX ( CHARGE-OFF ACCOUNT ) 2 ) XXXX XXXX XXXX-account # XXXX, opened XX/XX/XXXX ( CHARGE-OFF ACCOUNT ) 3 ) XXXX XXXX- account # XXXX, opened XX/XX/XXXX ( COLLECTION ACCOUNT ) 4 ) US BKPT CT GA XXXX ( Bankruptcy chapter XXXX- dismissed ) - Reference # XXXX XXXX ) XXXX XXXX XXXX account XXXX XXXX ( CHARGE-OFF ACCOUNT )
Consumer complaint received 2020-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX ; XXXX  and Transunion should not be reporting each inquiry listed as a separate line item on my credit report. ( Please see page attached for reference. ) These multiple inquiries are well within the 45 plus day shopping window that is typically allowed to check different lenders and find the best loans. Each of these inquiries are of like kind. They are not separate, individual entities. These inquiries should not have negatively impacted my credit score. Please remove these inquiries from my report. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2020-12-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (CA)

A fraudulent collection account from MRS ASSOCIATES showed up today on my credit report on behalf of XXXX. I do not use XXXX and I have never provided my information to them. This is a fraudulent account opened under my name. This account was previously being showing on my credit under a different collection agency called " XXXX XXXX XXXX  '' ( complaint XXXX ). " XXXX XXXX XXXX  '' admitted the issue on " XX/XX/2020 '' and somehow it is now showing up again under MRS ASSOCIATES. 

A police report was previously filed with the XXXX and it is attached. Please fix this. 

Thank you.
Consumer complaint received 2024-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

i have had nothing but issues accessing my account from day one XXXX XXXX XXXX, my accound has been froze and unfroze, ive had to file multiple disputes and now my account has been closed as a business decision was told it was because i had given my online banking information out and i absolutley did not and asked why if they knew of this issue the entire time i was concerned about the account they didnt inform me before just closing the account. i have {$6000.00} now in the account that they can not find or provide information on and the merchant has already processed the chargback on the XXXX of XXXX, it is now the XXXX and still no answers. i am homeless because they have all of my money, i was set to close on a home and it fell through not once but twice because i have no access to my own money for closing costs. i am more than irate at this point and have run out of options.
Consumer complaint received 2022-02-22
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (MA)

This is a follow-up complaint that I have already made this is XXXX XXXX I received a notice which I'm going to attach to this complaint about a debt I do not owe about a payday loan it was XXXX XXXX XXXX at first and I sent in all the information to you about that one now they're contacted me using the name Ace Cash Express and they're threatening me saying they're going to charge me with check fraud banking violation regulation and identity theft I do not owe any debt of a loan never got alone in my life I called Ace Cash Express which I got from online the number and they said I'm not even in their system I am going to send the screenshots that I have took enough to email that was sent to me today it's really frustrating me because I know I don't owe anything and I can prove that with my bank account and checking account and they said they're going to do the lawsuit on XX/XX/XXXX and it's in XXXX XXXX XXXX I have never been or even lived in XXXX XXXX XXXX in my life I am from XXXX XXXX never Ben and to XXXX XXXX and the way that they're threatening to have charges put on me I know it's a scam because they're not allowed to do that they're claiming to be an attorney as well you will see this in the screenshot I sent you they also cleaned that I never responded to their first attempts I emailed them over 50 times with no answer please help me with this situation because it's very frustrating they're also threatening to tell Social Security about this situation and I collect XXXX so I know they're not allowed to do that either there is no phone number as you will see on the screenshot or address it just says Ace Cash Express and like I said I called them and they said I do not owe them anything I'm not in their system at all please look into this I would really appreciate it thank you for your time XXXX XXXX email address XXXX XXXX XXXX XXXX XXXX and all lowercase and also they never say my name they just say dear debtor
Consumer complaint received 2018-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (PA)

In 2016 I put credit freezes on all three credit reporting companies. XXXX XXXX, XXXX  and Experion because someone opened a XXXX XXXX credit card in my name. That issue was resolved but I was told anytime I need to have a credit inquiry done to call/use website and get a one time passcode/key for the lender to use. Last month because my car was totaled I did that. I got a passcode from TransUnion and Experion and was told to give it to the lenders to be able to access my account. Two very long days, lots of phone calls, frustration and embarrassment, I still could not get any credit. And I have, according to XXXX XXXX, who uses the credit reporting service for their information, a XXXX credit score. I should be able to get credit. Instead when the lenders tried to access my info it looked as if my assets were frozen or seized, compromised or I didn't have any. I ended up having to remove cash from my savings to purchase the vehicle. I still have yet to get any answers as to why this system didn't work or what can be done about it except to completely remove the freeze which I don't want to do. I do not need access that often ( once since 2016 ) so would like the protection the freeze offers, but not the hassle.
Consumer complaint received 2021-05-15
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Navient Solutions, LLC. (VA)

Federal Student Loans being sold and managed by ex husbands attorney. Sold and bought according to his wishes also a portion of the loans are his. Loans went from XXXX ( an email in which he set up and managed ) then to Navient. XXXX XXXX works for the XXXX. Please investigate. Taking negative legal actions and harassment into work place.
Consumer complaint received 2015-09-02
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

received letter from Portfolio Recovery Services threatening to file a XXXX on a time barred debt that on itself states the debt is old. I requested a verification letter that the debt is mine which was not received. I was informed that this is unethical as well as illegal