davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST CHOICE LOAN SERVICES INC. (TX)

Hello- I'd like to submit a formal complaint against XXXX XXXX XXXX and against First Choice Loan Services/ XXXX XXXX ( mortgage broker ). We closed on our house in XX/XX/XXXX, and the mortgage broker quoted our total payment including escrow impounds of like $ XXXX-ish. In XX/XX/XXXX, our escrow analysis jumped up a little to $ XXXX/ month. But then, in XX/XX/XXXX it jumped up almost $ XXXX/ month because according to XXXX we were short {$4900.00} in back property taxes, which put us in a financial bind with XXXX little kids in day care ( now XXXX because we just had another baby in XXXX, praise God! : ) We called XXXX and XXXX ( he never returned my call ) and XXXX helped us finance the deficiency over 24 months so that brought our payment down to {$2200.00} ish from {$2500.00} ( where it was going ), which is where it is now almost $ XXXX/month more that what we were paying. 

I understand that taxes and insurance are imperative, but I'd like to log a formal complaint against both XXXX and First Choice that they should have caught this at the onset of the mortgage when we closed in XX/XX/XXXX versus almost 2 years later in XX/XX/XXXX. 

I'd like to request that they investigate to see what went wrong and I'd like some sort of compensation to help pay off this crazy deficiency to bring this payment back down to normalcy, or at least to where it should be, which should be around $ XXXX/ month. 

Please see my attachments and please be sure to let these entities know that they need to do a better job with their internal audits with analyzing their consumers ' escrow analysis. 

XXXX seemed to be a veteran in the mortgage business as our mortgage broker, and I speculate that he may have artificially deflated the final payment number on the Closing Disclosure in order to entice us to be wowed by his " prowess '' and not to shop with anyone else. Don't get me wrong, he's a good guy- God bless him, but he seemed to know way too much about the mortgage business to make such an egregious, rookie blunder. Hence, my theory is that he intentionally misled us. 

And as far as XXXX is concerned, MERS audits XXXX XXXX and they should be audited about why they didn't catch this at the onset of the mortgage let alone during the first escrow analysis in XX/XX/XXXX. 

I'd like some justice and compensation for this matter as it has created a financial conundrum for my family 's budget especially now since we have XXXX kiddos in day care, which costs around $ XXXX/ month. 

Thank you and God bless, XXXX XXXX XXXX
Consumer complaint received 2022-12-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (NY)

Our company purchased Thousands of dollars worth of Amex prepaid gift cards ( physical, not " e '' cards ) in XXXX of 2021 from Amex online. Many of the cards were not distributed to our employees until recently. When the cards were taken out of their envelopes ( sealed by Amex ) the balances were depleted ; for example a {$2000.00} card had a {$28.00} balance left. 

Hours have been spent on the phone with the AMERICAN express call center in XXXX ; where they read you scripted responses repeatedly but basically just say that " Amex is not responsible. They told us to contact the vendors and dispute the charges ''. They are only able to supply some vendor information one $ XXXX charge was for an electric vehicle charging station in California another charge for $ XXXX lists a vendor as " XXXX XXXX XXXX XXXX XXXX XXXX '' ( no state ), it is impossible to contact vendors without contact information. 

Amex sold the cards and they are either compromised at their manufacturing plant or electronically through their processing system. These cards were in unopened envelopes yet they take no responsibility. I found a website online " https : XXXX '' that has 706 similar complaints. When you purchase a gift card and do not even open the package the full balance should be there.
Consumer complaint received 2023-04-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc. (IA)

I reviewed my Credit report and discovered an account in collections. I only found this because I received a notice from a different debt collector for the exact amount of money. as the debt on my credit report. I had previously disputed this with 2 of the Credit Bureaus and had not been informed of the results. I was not provided with verification of how this process was completed. or given any of the information related to the unknown debt other than the debt collectors name. I attempted to file a second dispute on-line and was not allowed to do so. If i don't get the needed results by filing this complaint I may have to file a complaint on the Credit Bureau for denying me the right to dispute and not following up on my request to send documentation of the investigation to me..
Consumer complaint received 2022-10-05
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. (NC)

On XX/XX/2022 I mailed the consumer reporting agencies notifying them about three consumer credit transaction accounts that they are reporting on my consumer reports without my consent or authorization. It is to my knowledge that consumer reporting agencies are prohibited by law to report any consumer credit transactions, factual information, or information solely to transactions between the consumer and the person making the report. The three consumer credit transaction accounts are for my personal, family and household purposes and I do not want my private and personal transactions and experiences furnished on my consumer report for public use with my written consent or authorization in which I do not benefit from. It is the consumer reporting agencies duty and responsibility to abide by the Fair Credit Reporting Act, display fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2023-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have made several attempts to have this debt removed by disputing it from the credit bureaus ( credit karma ). Back in XXXX, I obtained a XXXX credit card. I paid the bill according. In XXXX, a tv was purchased in XXXX, IA. I paid the monthly bill according. I reached out to the company back in XXXX, regarding an erroneous item placed on my account. The company assured me they would repair this. I continued to make payments. I continued to write to have this removed. Back in XXXX, I was told XXXXXXXX is no-longer an account holder. In XXXX, I was sent an old statement from Portfolio Recovery Associates , LLC claiming I still have a balance. I wrote the company asking for the original account statements to show me the exact items purchased. They sent me statements dated from XXXX and XXXX, both which are incorrect. As I previously mentioned, the last purchased item was made in XX/XX/XXXX. 
I need your assistance to have the account permanently removed from my credit history.
Consumer complaint received 2019-09-27
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 DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2019-09-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ACS Education Services (TX)

my loan was refinanced XX/XX/XXXX. my bank payments were continued to be cashed by acs and aes since XX/XX/XXXX until now XX/XX/XXXX. the money did not go towards the loans. its fraud.
Consumer complaint received 2018-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO. (CA)

Ford Motor Credit, partial acct. no.XXXX  is appearing on XXXX and XXXX credit bureaus as an unpaid charge off.XXXX  has previously deleted.

The problem stems from the fact that the car is a lemon.Ford and I were previously involved in litigation of this .Since I'M NOT PAYING FOR THE CAR, DON'T WANT IT, I WOULD ASSUME THAT FORD WOULD REPO THE CAR ... I WOULD GLADLY VOLUNTARILY SURRENDER THE CAR IF IT WOULD RID THE XXXX DEBT, but I don't want the car and neither does Ford , but they want me to pay for the car or they destroy my credit.I believe that the original contract is in full force and effect and not changed or modified by any of our dealings.. ... and would call for Ford to reclaim their security ... .and credit the value of the car ... and any balance left I would be responsible for.

BUT IT APPEARS THAT FORD THINKS THE CAR HAS NO VALUE BUT THEY WANT ME TO PAY FOR IT AS IF IT DID.
Consumer complaint received 2022-12-15
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A. (TX)

PNC Logo VIRTUAL WALLET APPLICATION HELP SECURE AREA You are applying for : Virtual Wallet TERMS & CONDITIONS 50 % Complete 50 % of Virtual Wallet is Complete TELL US ABOUT YOURSELF REVIEW & SUBMIT Completed progress is 50 percent of Terms & Conditions TERMS & CONDITIONS PURPOSE OF ACCOUNT START BANKING You've Been Approved! 
To open your accounts, please review the Terms & Conditions Fields marked with asterisks ( * ) are required View Terms & Conditions Certify that you agree to the following I've read and agree to all of the Terms and Conditions. I understand that I'll be electronically receiving and signing documents. *
Consumer complaint received 2018-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (IL)

I have been trying to resolve issue with my account with Citibank since XX/XX/XXXX. My account has been enrolled into Debt Management Program since XX/XX/XXXX and I was paying out my outstanding balance since then. I contacted Citibank a numerous times to resolve an issue with interest charges that a creditor charges me every month for cash advance transaction in the amount of {$54.00} that was posted on my account in XX/XX/XXXX. After careful review of my billing statements since XX/XX/XXXX, I noticed that Citibank charges me extra interest, average monthly interest charge for the above cash advance transaction in the amount of {$0.00} every month. My research shows that a creditor calculate an average amount subject to interest charge is {$66.00} and this amount has not been changed since XX/XX/XXXX. Since XX/XX/XXXX my cash advance transaction was paid off and I paying additional interest charges due to Citibank cardmember agreement. All my attempts to resolve an issue with Citibank were unsuccessful. 
The last time I contacted Citibank on XX/XX/XXXX and I spoke with Payment Arrangement department. The representative name XXXX reviewed account information with me and provided the following explanation why my account is still accruing interest charges for cash advance transaction. She stated that according to Card Agreement, they will apply the minimum payment due to interest charges and transaction fees first, then to cash balances in order from lowest to highest. She also mentioned since my account enrolled into DMP in XXXX and my Annual Percentage Rate was lowered to 9.9 % it will take longer time to pay off cash advance interest. I completely disagree with this explanation and I am trying to resolve the above issue with Citibank second lever management. I was advised that someone from CCG department will contact me within 2 business days and I have not heard back from them. I have been trying to call back and I asked to speak to department supervisor and I was advised that supervisor is not available and someone will call me back again. I spoke to 3-4 different representatives. I have received a letter in the mail from Citibank dated XX/XX/XXXX that has been informed me they have completed their research regarding a recent issue and asked me to contact them back, son they can provide the results of their research The letter was signed by Vice President of Citibank, NA XXXX XXXX. 
I have been trying to call the number listed in the letter and reached different department who has no information about my account since my account has been closed. They transferred me to another department who is unable to assist me neither regarding my account and their research.
Consumer complaint received 2019-07-24
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 (NJ)

American Express is violating the ECOA that requires them to provide specific reasons for taking adverse actions. 

I applied on XX/XX/XXXX for an American express credit and was approved. 

On XX/XX/XXXX, I receive a vague email from american express : " We want to let you know that after a recent review of your American Express account ( s ), we have cancelled the accounts referenced above because one or more of these accounts, or other accounts to which these accounts are linked, have been identified as not being used for the intended purpose. '' When I try asking for specifics what they are referring to me to they refuse to answer and stand behind their technical agreements which provide they can cancel the card for any reason. 

This is the 2nd time they are doing this to me. 

They did this a few month ago on another card, Just abruptly closing it with the same letter. I complained at that point to the CFPB and amex refused to answer with specifics. 

Just the above mentioned email in no way explains in any shape or form SPECIFICS about why they closed it. This is just a broad general statement. I begged them to explain specifically what transaction they think was not used for the intended purpose, they refuse, standing behind legal gibberish. American express is violating ECOA. 

@ Amex What about basic human decency? We had a relationship for about 18 years. Just terminating it without providing detailed specifics smacks of corporate detachment from basic human decency. 
@ Amex Perhaps this is just some corporate bureaucracy issue and my concerns have just not reached the right individual at Amex. If that is the case, this time around kindly forward my concern to the proper authorized corporate individual at Amex that has the capability to respond properly.
Consumer complaint received 2019-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: GUARANTEED RATE INC. (TX)

On XX/XX/2019 I was notified and alerted by credit bureau XXXX that XXXX requested a copy of my credit report for a mortgage loan. I never applied for a mortgage loan. This was done in error and without my consent. 

On XX/XX/19 @ XXXX 1st attempt to dispute the validity of the inquiry. Spoke with XXXX XXXX over the phone and via email @ XXXX on XX/XX/19 @ XXXX. She said she would speak with the account manager for the company XXXX XXXX and for me to circle back with her and him on XX/XX/19 @ XXXX. Mr. XXXX said that he had made the correction on the inquiry that was done by error and that he was going ask for a reversal of this but yet on XX/XX/19 after I spoke with him at XXXX he said he had sent a correction letter to XXXX XXXX  and XXXX but today XX/XX/19 @ XXXX I spoke with representatives from these credit bureaus who tell me that they have not receive anything from Guaranteed Rate or XXXX for the inquiry to be remove from my credit file. I have too long for this error to be resolved and nobody is taken responsibility for correcting the issue. In the mean time my credit score dropped from XXXX to XXXX due to this inquiry. I have worked hard to maintain a good credit score and a good credit history for the past 5years for them to just ruin my reputation in a day. This is unfair.
Consumer complaint received 2019-07-24
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (MD)

This complaint is against Navy Federal and XXXX Resolutions. 
On XX/XX/2019 account was charged {$500.00} to pay for a service that I never received. It was authorized based on me receiving the service. However, I never received the service and the individual resigned the position as the director. Our company paid out the funds through XXXX which was tied to Navy Federal business account. The person got away of the amount of {$500.00} and when I made attempts to explain this to navy federal that we were out of {$500.00} without the service nor the funds they did not back nor support our company, XXXX of the XXXX XXXX, XXXX and refused to assist with a refund from XXXX XXXX who based on contract did not perform the duties of a director and not only that realized her incompetencies and resigned the position leaving us in a bind and he had to hire another individual to fulfill the role of the director,
Consumer complaint received 2018-05-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc. (CO)

I went to the er back in XX/XX/2013 and had medical treatment done.I didnt have insurance at the time, but got insurance two months later.The treatment was done at XXXX XXXX, in XXXX colorado.I checked my credit score and noticed i had a XXXX bill in collections from aargon collection agency.Since 2013 i have not received or been notified by either the hospital or the collection agency.Or had the opportunity to try and pay the debt.My insurance was willing to retroactively go back and pay it..but being that they havent tried to contact me for 5years my insurance wouldnt.
Consumer complaint received 2022-12-15
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section XXXX ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.
Consumer complaint received 2019-07-24
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

in the process of repairing my credit and this is my third attempt in trying to get the negative itema off my credit report sent letters even went threw cfpb and still no good results im trying not to use legal action to take these errors off just Erase the hard inquires please and thank you and i even sent letters of good faith to the credit card companys for my late payment since i been on time for the pass year and a half
Consumer complaint received 2021-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Equifax continues to report information that they indicated would be deleted in XX/XX/2021. 

The results of my dispute were sent to me via USPS indicating that ( 7 ) hard inquiries would be deleted yet they continue to report these inquiries. 

This complaint involves the reporting of information that Equifax has previously reviewed and concluded would be deleted. 

This is not a dispute of information on my report but a complaint regarding the failure of Equifax to delete information that indicated would be deleted. 

Litigation to follow
Consumer complaint received 2019-07-24
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

in the process of repairing my credit and this is my third attempt in trying to get the negative itema off my credit report sent letters even went threw cfpb and still no good results im trying not to use legal action to take these errors off just Erase the hard inquires please and thank you and i even sent letters of good faith to the credit card companys for my late payment since i been on time for the pass year and a half
Consumer complaint received 2019-07-24
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: Experian Information Solutions Inc. (TN)

The credit agency claims that they verify information through the original creditor. The agency sent a letter stating that they use a third party service called XXXX XXXX to verify the information. This is a violation of my federal rights under the fair credit reporting act. 

The original creditor was not contacted to verify the information. in regards to the public record of bankruptcy.
Consumer complaint received 2021-04-14
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. (SC)

i have called trans union SEVERAL times trying to get these derogatory marks off of my credit. ALL 15 of these derogatory are NOT mine, this is incorrect information on my credit report. i need these marks removed IMMEDIATLEY