davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Hilco Receivables LLC (TX)

I have tried to reach out to XXXX XXXX XXXX for the past 3 months, to find out that the company for closed for taking advantage of service members. I purchased a XXXX indash navagation system for almost XXXX dollars In XX/XX/2011, which all I wanted was a receipt for the purchased for a police report. The company that purchased XXXX XXXX ( XXXX ) states that they do not have any information for my account.
Consumer complaint received 2022-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

To Whom it may concern : In viewing the documents I received from the furnisher that are relevant to the credit entry you report on my credit file, I noticed inaccurate reporting on XXXX behalf. 

The terms of this particular credit entry that you have been falsely publishing for more than five years are not the same terms that were in this original contract. The terms for this entry was 72 months yet you have been incorrectly reporting the term as 81 months. The furnisher, XXXX XXXX, has also certified to me and the CFPB that the terms were 72 months. The documents have the same furnisher name and account number of : XXXX. This is not two installment contracts, only one. This would completely change the entire loan structure with terms that you entered compared to the true accurate terms on the documents. The FCRA requires that credit bureaus must report information with 100 % accuracy in which you are not. 

Experian has been lying and falsely verifying this incorrect information as accurate after more than 8-9 disputes ; Experian never conducted any investigation into my disputes as the furnisher provided to me the entire correct accounting history for this credit entry and it coincides with the inaccurate data points that Experian continually verified as 100 % accurate. 

In the Federal Civil case of XXXX XXXX vs. XXXX XXXX, case No. XXXX, The attorney that represents XXXX XXXX has stated to me at pre-trial discovery that her client did not request Experian to publish this information and that Experian alone has subjectively falsified and published this information solely on their own. The legal representatives name is XXXX XXXX XXXX. Her law office is called XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX. Her phone number is : ( XXXX ) XXXX, and email : XXXX XXXX XXXX 

Refusing to correct inaccurate information, or removing the account from my file after being notified multiple times places you in violation for non-compliance. Please correct or remove this account from my credit file due to false and inaccurate reporting. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, and to be provided no later than 15 days of the completion of your investigation. 

Any Automated response XXXX verification is unacceptable. I am requesting a true investigation and your Method of Verification.
Consumer complaint received 2018-06-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (IL)

On XX/XX/XXXX I received my monthly mortgage statement from Citizens One Home Loans that I have been paying for on time for the > 7 years. On this month 's billing statement was a line item that said " Borrower Recoverable '' {$800.00} I received no other correspondence from the company explaining what this was for. I called XXXX and the customer service department said it says Bankruptcy Attorney Fees. I said for what, I did file for a Ch XXXX reorganization in XX/XX/XXXX but I didn't include this mortgage in the Bankruptcy and my Petition states this home and mortgage would be retained by me and paid my me monthly to the bank as always. 

They said we don't know let us connect you to the Bankruptcy Department, so they did and I spoke to XXXX told me since you filed a BK we had to review it, I said ok, and you seen this mortgage wasn't included and I've been continuing to pay it on time as always no interruption. He said sorry mam that's our fee. I asked to speak to his manger and XXXX said she's not in, I asked for her name and number and he said sorry we don't give that information out. And he suggested I call my own attorney and have him call them if I'm not satisfied with his answer basically it is what it is?? His attitude was like you filed bankruptcy these are your consequences?? 

I said this just doesn't seem fair? Sorry mam that's all I can tell you. So its ok for a misc {$800.00} fee to be added to your monthly mortgage invoice? and I get a vague answer and this loan wasn't even part of the Ch XXXX reorganization? 

I wasn't sent any other notification telling me about this practice from Citizens One Home Loans and my 2 other Mortgage Companies didn't do this?? 

I had to file for Ch XXXX because my husband hasn't worked in 5 years due to illness and I have XXXX children and I couldn't keep up with all our monthly bills, I needed relief and for them to slap me with this additional {$800.00} when I never stopped paying them is just absurd? 

Can you please contact them about the legitimacy of this recoverable? And their lack of proper notice to me about it? I'm am still in financial hardship and for them to pass this attorney fee onto me is just unfair. 

Thank you for your help
Consumer complaint received 2022-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (MD)

I received a letter from American Express stating that a payment had been returned on XX/XX/XXXX, and I had several easy and free ways to pay. I then received a second letter on XX/XX/XXXX, stating that AMEX canceled both of my accounts just 48 hours later. 

I was of course appalled by the fact that I had not even received the aforementioned notice of the friendly letter when American Express closed my account just 48 hours later since neither letter reached my home as both letters were literally in the mail at the very same time. I of course called American Express to resolve the matter and no one could tell me what happened. 

Then on XX/XX/XXXX, I received a letter stating that my request to be reinstated, based on those calls was denied. 

Since all of this happened over the holiday weekend my bank notified me outside of AMEX and I immediately re sent the payment which was paid before either Amex letter was received at my home. 

From what I could gather I had made a large deposit and the bank had put a hold on part of it and it was just a coincidence that the American Express payment was held up on the XXXX and others went through. 

My purpose for filing this complaint is to make sure this never happens to anyone else. 

I believe that I should have never been canceled. I believe that the added interest that I had to pay was not due to any fault of my own due to what I belie to be the wrongful termination by American Express. 

I have sent two letters. One on XX/XX/XXXX and a second on XX/XX/XXXX. The second letter was sent certified as when I followed up on the first letter the representative said there was no letter in their file. 

As of this complaint I have not been advised by Amex as to why there was only 48 hours between the returned payment letter and the termination letter. As of this complaint I have not been notified how I could have corrected the payment before either letter was received and the account was still terminated on the XXXX of XXXX. 

At the time of this issue I had been an American Express customer since XXXX and am very disappointed as to how this account was handled. 

Since the termination I have been compliant in paying off the entire balance of all my AMEX accounts. 

Most insulting is that I currently receive American Express Credit Card offers all the time due to my outstanding credit rating. 

In my opinion Amex violated their offer to cure the payment issue based on only providing me with 48 hours between letters to cure vs terminate that no reasonable creditor would expect to arrive at my home. Again, I called well before that and AMEX again failed to cure the issue. 

Before making this complaint I have sent two letters requesting re instatement with no reply. 


Thank you in advance for your time and consideration in this matter.
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

The following information listed below is inaccurate and I am requesting all three credit reporting bureaus to Delete the inaccurate information below. 
PREVIOUS ADDRESSES : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX : XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2015-09-15
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: ALLY FINANCIAL INC. (GA)

On XXXX, I initiated a {$900.00} online bill pay transaction with my bank, Ally Financial Inc., to be received by XXXX XXXX XXXX XXXX for a loan installment on XXXX. On XXXX, {$900.00} was debited from my account and I thought everything was cared for. On XXXX and XXXX, I received emailed correspondence from XXXX XXXX XXXX advising that payment had not been rendered. Upon checking email on XXXX, I immediately contacted Ally. Initially, I was told that someone other than XXXX XXXX XXXX may have intercepted the check and cashed it. Further conversation yielded that the check had not been cashed, but rather the payment was mailed on XXXX and it takes 7 to 10 business days for the payment to be received by the payee. When pressed on why the payment was mailed on XXXX, the representative corrected her statement and shared that the payment was mailed on XXXX. I requested to speak with a supervisor to share my dissatisfaction and received yet another explanation of the events. 

Since no payment has been rendered, XXXX XXXX XXXX has levied a {$25.00} late fee on my account. To quickly rectify the situation, I requested that funds be wired from my Ally account to XXXX XXXX XXXX. I was informed that it would take 3 business days for the {$900.00} that was debited from my account on XXXX to be returned. I then inquired as to why it takes 3 business days to return funds from a check that was never cashed back into my account and was told " That 's just how long it takes us to process this. '' This is completely unacceptable and I demand satisfaction ; the bank should not be allowed to arbitrarily hold my money.
Consumer complaint received 2019-10-15
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. (NY)

your investigation turns out THE worse. XXXX sold the account in XX/XX/XXXXwhy am I being reported late in XX/XX/XXXX THAT HAVE NO RIGHT TO REPORT PASS XX/XX/XXXX WHEN THEY SOLD THE ACCOUNT that's inaccurate reporting you had three time to fix now time to delete trade line payment status with all accounts are SOLD /CHARGE OFF NOT IN COLLECTIONS
Consumer complaint received 2018-08-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MS)

When I was in college I had to take out a couple of student loans to be able to pay for school. When I got to the repayment I struggled a lot because I wasn't able to find a decent job to afford the payments for the loans. I called several times and the only options that I was given was to do forbearance or deferment. I have several of those in trying to figure out through the years how to repay this money. It wasn't till about 3 years ago that I was offered the income based repayment option. If I had of been offered this the first time I called I would be close to having the loans forgiven. Now I have to continue the plan till they tell me otherwise. Still stuck with them on my credit even though I can't afford them and not given any reason as to why it wasn't offered to me before then. Any assistance with this issue would be greatly appreciated! I just want the WORST decisions of my life to stop holding me back because I can't afford them.
Consumer complaint received 2022-02-22
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. (FL)

THE COMPANY, XXXX XXXX XXXX, AND XXXX XXXX XXXX, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION EXPERIAN AND XXXX WILLING REPORT THIS FRAUDULENT INFORMATION. ACCORDING TO 15 USC 3002 I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. 15 USC 1692 ( a ) ( 1 ) The term Bureau means the bureau of consumer financial protection, XXXX, XXXX, XXXX, and Experian are assumed to be credit bureaus and there is only one Bureau in that is the Consumer Financial Protection Bureau. On XX/XX/1933, Congress enacted HJR 192 to suspend the gold standard in to abrogate the gold clause. This resolution declared that whereas in the holding or dealing and gold affect The public interest, and therefore subject to proper regulation and restriction and whereas the existing emergency has just closed that provisions of obligations which purport to give the obligate the right to require payment in gold or a particular kind of coin or currency... Are inconsistent with a declared policy of Congress... In the payment of deaths. This resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency, or in an amount of money policy and ... Every obligation here to four or here after and cured, shall be discharged upon payment, a dollar for dollar, and any coins or currency which at the time of payment is legal tender for public and private debts. 15 US C1681 ( 3 ) ( e ) The term investigative consumer report means a consumer report a portion thereof in which information on a consumer character, general reputation, personal characteristics, or motive living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have acknowledged concerning any such items of information. This company also violated 15 USC 1681 ( b ) Permissible purposes of consumer report, I never gave this company written consent to report this alleged account. Remove these account immediately or pay me {$250000.00}.
Consumer complaint received 2019-10-06
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. (GA)

I am writing this due to non-compliance with ( XXXX, XXXX, Trans Union ). They  have failed to remove information that was affiliated with personal details that were challenged in the past. 
I strongly believe that they are in violation of the Federal Credit Reporting Act, ( FCRA ), and are outright refusing to uphold the law.
Consumer complaint received 2019-10-15
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. (GA)

There are several inquiries reporting on my credit report that was not authorized by me. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Addresses that is reporting : XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2021-06-12
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. (NC)

I am sending this over because there are fraudulent accounts on my credit report. These accounts do not belong to me ; therefore, they should not be on my file. Attached you will find a copy of the claim from the Federal Trade Commission along with a copy of my license. Please remove these accounts as soon as possible. Pursuant to 15 USC 1681 c-2 subsection ( a ) you have 4 business days to block this information from my file. This request was NOT made in error. I, XXXX XXXX, also did not give your credit reporting agency written instructions to include this fraudulent information in my consumer report. Which is in violation of 15 USC 1681b- ( a ) ( 2 ).
Consumer complaint received 2021-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am sending this over because there are fraudulent accounts on my credit report. These accounts do not belong to me ; therefore, they should not be on my file. Attached you will find a copy of the claim from the Federal Trade Commission along with a copy of my license. Please remove these accounts as soon as possible. Pursuant to 15 USC 1681 c-2 subsection ( a ) you have 4 business days to block this information from my file. This request was NOT made in error. I, XXXX XXXX, also did not give your credit reporting agency written instructions to include this fraudulent information in my consumer report. Which is in violation of 15 USC 1681b- ( a ) ( 2 ).
Consumer complaint received 2019-10-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There are several inquiries reporting on my credit report that was not authorized by me. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Addresses that is reporting : XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2018-08-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (NV)

Recently, I've grown an interest in monitoring my credit. I am XXXX years old and I and my family are ready to purchase a home. As I've gone through the accounts and collections displayed on my credit I've noticed unusual activity and an ample amount of accounts that do not belong to me. I've made several attempts to call the dept collectors and explained my situation to all of them, however these accounts still appear on my report.
Consumer complaint received 2019-10-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (GA)

LVNV Funding LLC, Has falsely submitted information to Resurgent capital services stating that, I owe them {$1000.00}. Which is not true, I received a letter from Resurgent capital services, Dated XX/XX/2019, concerning the above issue. I do not owe this debt and the information is false that LVNV Funding has submitted.
Consumer complaint received 2024-03-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (CA)

On XX/XX/year>, I received a charge of {$91.00} for a buggy excursion in the XXXX XXXX. I was staying there at an all inclusive hotel at this time, and did not leave my hotel as every activity I did was already paid for before taking this trip. When I saw this charge, I immediately knew it was a mistake because I never paid for extra services or went on an excursion, on top of not recognizing the merchant. I contacted Goldman Sachs, the company running Apple Card, and they have put the burden of proof on me and requested evidence to dispute the charge. I gave them solid proof that the charge is wrong, because the merchant listed a different room number they billed the receipt to, and provided screenshots of my own room number. I have gone back and forth with them for months, and they still keep sending me the same " evidence '' of the purchase I made, and requesting more evidence on my part to disprove it. I have never in my life had to deal with this amount of grief from a XXXX dollar financial institution over a charge this insignificant. It's laughable how ridiculous this is and that they won't wipe the charge, despite providing tangible evidence of fraud.
Consumer complaint received 2022-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (FL)

XXXX all for {$150.00}. 

XXXX XXXX of XXXX FL, continued to bill our credit card for a hockey league that my grandson, XXXX XXXX, he has not played in that league since XXXX. of XXXX.I have contacted XXXX XXXX and they will not return my phone calls. They gave us some rigamoral about changing their billing system and that they do not have those charges in their system. 

I have contacted Discover card on 8 different occasions, they said they did not get my documentation which. I mailed on XX/XX/2022. They can not contact the vendor so they have decided to settle in the vendors favor. 

When XXXX at XXXX XXXX said I don't show those payments I said to her, well I have been charged for over a year, and someone at XXXX XXXX is getting that money, she said she would have to look into it, and will not take my calls nor will she get back to me. 

It is over {$2000.00} and I am getting no help from Discover or the vendor. I need help recovering my money, which they never provided a service for, they also know they didn't provide that service due to COVID Discover Card can see all the automatic payment that are being disputed in their system sinceXXXX, it was the XXXX of every month
Consumer complaint received 2022-02-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (FL)

I, XXXX XXXX, consumer, and original creditor. It is clear that AmsherCollectionServices has violated my consumer rights and committed aggravated identity theft on me. 18 U.S. Code 1028A To be clear, I, XXXX XXXX, have NEVER signed any agreements whatsoever with AmsherCollectionServices, So I am reporting them for aggravated identity theft and I am demanding them to DELETE COLLECTIONS OFF MY CONSUMER CREDIT REPORTS TO ALL CREDIT REPORTING AGENCIES. please CFPB, understand I, XXXX XXXX, never signed any agreements whatsoever with this company. This breaks my heart to know that this company has committed aggravated identity theft on me, an violated my consumer rights. This refer to Federal 18 U.S. Code 1028A aggravated identity theft is a violation to my consumer rights. I, XXXX XXXX, consumer, and original creditor. It is clear that AmsherCollectionServices has violated my consumer rights. 18 U.S. Code 1028A