davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (FL)

I closed my American Express green card account ( ending in XXXX ) on XX/XX/XXXX. They continued approving recurring charges after that date. I had access to the closed account and so could see the new balance, and continued to pay the balance monthly. I called and asked them to stop approving new charges since the account had been closed by me, and I called the merchant to tell them to suspend recurring charges. Instead, the merchant continued submitting charges, and American Express continued to approve them, even though the account was cancelled. In XX/XX/XXXX, I opened a new green card ( ending in XXXX ) and at that point could no longer access the old account ( XXXX ) to view the balance or make payments. I called American Express to verify there wasn't any account with a past due balance, including the account ending in XXXX, and they informed me all accounts were current. They reported the account ending in XXXX as delinquent in XXXX and XX/XX/XXXX, as a result of charges submitted months after I closed the account and they approved " on my behalf '', despite my cancellation of the account and instructions not to approve any new charges. I believe they do this because it is in their financial interest to do so, even though it harmed my credit score badly. I've been a card member of American Express since XXXX. I've written to their customer service and credit bureau unit XXXX times over the past 12 months and have filed XXXX formal complaints with them. I don't believe they should be able to legally approve charges on behalf of customers on closed accounts and then bill those customers for late fees and report the accounts as delinquent, when the customers expressly instructed them to cancel accounts and stop approving charges. They made money in this situation, and my credit score decreased significantly. It's the only delinquent report in my credit history in my lifetime.
Consumer complaint received 2022-03-17
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. (NY)

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX  XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2022-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (MD)

Today XX/XX/XXXX XXXX p.m. I was yelled at in a distasteful matter by supervisor at Discover. I was treated in an extremely distasteful manner by the supervisor where I believe our conversation was recorded on their side. I explained I received an adverse action letter pursuant to 15 USC 1681 m from discover where it was discrimination towards me in the process. I know who I am as the consumer and original creditor and discover is civilly liable for discriminating against me according to 15 USC 16918 and denying me an extension of My Own Credit in a consumer credit transaction. This supervisor is it a violation of the law pursuant to 15 USC 1611 buy also willingly and knowingly giving false and inaccurate information. I recited multiple laws under the truth and lending that discover company must abide by and this female supervisor simply ignored the law as well as showed a negative attitude and raised her voice in the negative manner towards me. I am extremely upset at the supervisors Behavior towards me and I believe that she should be reprimanded for her actions and discrimination towards me. Her tone and behavior was unnecessary and it proves her discriminatory actions.
Consumer complaint received 2022-03-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

As of late XXXX I was advised of a modification approval, today I am still waiting for the documents to be sent to me. A request has been received again for documents that should be on file such as authorization to release information and statement of information forms. Now, the request includes obtaining a, recorded, warranty or quit claim deed ( s ), due to being divorced since the origination of the HUD/ FHA investor mortgage, which currently is being serviced by Wells Fargo XXXX 
My issue is that XXXX has in their files a copy of the final divorce decree, filed and certified by a Texas state court that document is sufficient in this state to conclude the process of removing the spouse not awarded the property and forward the modification forms to the remaining person who owns and resides in the home, by delaying this task during what has proven to be a tumultuous time for our country, can only serve to cause further borrower harm as it stands each moth that passes only pushes me further in debt with no possibility of principle forgiveness in sight, because of their lack of understanding the Investors guidelines. My deadline is XX/XX/XXXX XXXX
Consumer complaint received 2019-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (IA)

I have tried the past 5 days to obtain my credit reports from Experian and XXXX, never having issue in the past. I havent gotten them in years. As correct the info is that i provide, I am unable to obtain them. What i have been able to contact is XXXX. I even was trying to pay for them without success. This is ridiculous!
Consumer complaint received 2019-08-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Broward Adjustment Services (FL)

I have debit from the hospital and the hospital send me by company collection and never this company send any letter about send to me to credit report and I have plan payment we the company but they send to me to the credit report also this account was paid in full
Consumer complaint received 2019-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (IA)

I have tried the past 5 days to obtain my credit reports from XXXX  and Equifax, never having issue in the past. I havent gotten them in years. As correct the info is that i provide, I am unable to obtain them. What i have been able to contact is XXXX. I even was trying to pay for them without success. This is ridiculous!
Consumer complaint received 2017-09-08
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. (OH)

On X/X/2017, I checked the XXXX leaked-information website and found that my data had been released. 

I immediately froze my credit on all three major credit bureaus, as well as XXXX and XXXX.
Consumer complaint received 2015-06-10
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (OH)

I obtained a XXXX loan from castlepayday.com not knowing that the company held no license to transact business in my resident state of Ohio. I was rushed into signing an agreement during a desperate time and did not understand the terms and the outrageous interest rate I was being charged. The person on the phone barely spoke English
Consumer complaint received 2022-03-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/2022 : I noticed that the entire balance in my checking account ending in XXXX was transferred to another checking account ending in XXXX. 
XX/XX/2022 : The account ending in XXXX was closed. I never requested or approved it. Feeling frustrated, I called Chase customer service to find out what happened. I asked the representative why my account was closed without communication or consent, and if I can have the account restored because it's still linked to auto payments and IRS credit. I was transferred to a different representative three times. The last person I talked to mentioned that it was closed because it was compromised in XXXX. Yes, I know the account was compromised, so I FROZE the account that way no one can take money out of it and it remains PROTECTED. I had plans with the account. I even had a meeting with a local Chase banker to discuss what to do. Chase MUST HAVE communicated or, at least, informed me prior to the account closure, so I can PLAN. Why do I have to find this out myself? Does Chase even care about how customers would feel if their account is closed without knowing it? It makes me feel extremely FRUSTRATED to see my account disappears and all history of it is no longer accessible online. I am very DISTRESSED about the time and effort that I will have to spend because of this expected closure.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-03-17
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Telerecovery Corporation (LA)

My wreck happened XXXX. The XXXX picked me up without my permission minutes later. I really didnt need to ride in the XXXX  XXXX to begin with because I was discharged the same day. I only had bruises. I didnt have my wallet with me to provide my insurance card because it was stuck in my car. I did have insurance and they didnt check for it & later over charged me this huge bill. They reported it to the credit bureau without my permission and have it dated wrong. They also have it dated for 2 years later. XX/XX/2018 I tried to dispute, but the debt collections wasnt trying to work with me. I called the hospital and I was told my balance is XXXX $ for everything. On my credit account the balance is XXXX $ XXXX also cant pay that. Im in school full-time, single mom, and only a part time job.
Consumer complaint received 2019-08-08
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Monterey Financial Services LLC (GA)

Dates of Calls : XX/XX/19 XX/XX/19 XX/XX/19 XX/XX/19 XX/XX/19 XX/XX/19 XX/XX/19 XX/XX/19 two calls XX/XX/19 XX/XX/19 XX/XX/19 XX/XX/19 XX/XX/19 XX/XX/19 XX/XX/19 XX/XX/19 two calls XX/XX/19 XX/XX/19 Transcripts : This is a phone call from Monterey Please return our call today XXXX, repeats. 
This message is for " My name '' is XXXX from Monterey this matter has been turned over for your lack of response to our calls and notices It is imperative that you call us to resolve this matter phone number is XXXX xt is XXXX. 

Description of medical product : This is for a necessary medical device that inserts a XXXX of sorts into my body that disperses XXXX. Both XXXX the supplier of this product and Monterey have called me about this matter, and sometimes Monterey calls in the morning and XXXX in the evening or vice versa. 
XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Monterey Financial Services XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX
Consumer complaint received 2022-03-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have been communicating with Transunion for months I send them every single thing they ask for every time! Yet and still they come back with lie after lie! This is illegal, they will not remove the accounts on my report that are reporting as re-aged debt! This is seriously illegal by FCRA standards! Transunion refuses to work with me! It is excuse after excuse and theyre the only reporting agency doing this to me! I am completely fed up and will also be submitting a complaint to my attorney generals office! Please help me in getting through to these people, theyre doing everything they can to not assist me in disputing erroneous information on my credit report! I am livid and I am tired of going through the same things over and over again. I will be contacting the XXXX, the FTC, and my attorney generals office for the negligence from Transunion I am fed up.
Consumer complaint received 2022-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I've previously filed a complaint XX/XX/22 - Complaint Number XXXX, against Capital One in regards to a theft of funds from my account, in which they responded on XX/XX/22 stating that I did not provide them with requested documentation. This is false, as I have the emails that were sent and received directly to XXXX. I was sent a letter from a Capital One Representative by the name of XXXX, who provided her number, extension and office hours. I've left repeated voicemails and she blatantly refuses to return my calls, It's now been more than 2 months and she is never available, and never returns my phone calls. I need assistance retrieving my funds that were stolen from my account, and Capital One has responded to the consumer complaint, but will not follow through when I contact them, as stated in the letter they provided.
Consumer complaint received 2022-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I filed a fraudulent complaint with Wells Fargo XX/XX/XXXX via phone call through their Consumer Service Department with regards to questionable activities on my savings and checking accounts. 

Date of Incident : XX/XX/XXXX all happened in Georgia consecutively just 1 day Physically I am residing in XXXX XXXX California ( since XX/XX/XXXX, before that XXXX Ca for 7 years ) Reported Fraudulent Activites via XXXX XXXX XXXX XXXX Wells Fargo ( XXXX ) XXXX from saving to checking amounting to {$4000.00}. ( @ {$2000.00} per transaction ) ( XXXX ) consecutive purchases amounting to {$3100.00} checking account Purchased at XXXX XXXX GA {$700.00}. Category ( other shopping ) Purchased at XXXX XXXX GA {$1900.00} Category ( other shopping ) Purchased at XXXX XXXX XXXX GA {$400.00} Category ( Electronics/Software ) Purchased at XXXX XXXX XXXX XXXX GA {$110.00} Category ( Pharmacy ) ( XXXX ) ATM withdrawal {$1000.00} on my checking at XXXX XXXX XXXX XXXX XXXX GA XXXX Wells Fargo ATM ) A complaint references were created. Just FYI during those entire conversation with the consumer service representative and I'm sure it was recorded, I was not advised to report this matter to the police for possible criminal liability. All they did was took all the details of my complaint. 

On XX/XX/XXXX I received via mail the resolution for one of my complaint with regards to the ATM withdrawal from my savings, They were saying that the {$4000.00} were tele transfered to my checking accounting thus closing my claim on that savings account. 

On XX/XX/XXXX received another email notice that my complaint for my checking account has been resolved and that they have not found any fraud thus my complaint was DENIED! 

How can their investigation be no fraud was found when I am in California and all those transaction done in 1 day consecutively happened in Georgia ( GA ). If they really did their investigation thoroughly my records since I opened an account with them that I never had any TELE-TRANSFER transactions or used that kind of transactions and never filed any complaints before this is the first time I had this kind of incident and VERY DISAPPOINTMENT on how they handled my complaints. 

Hoping thru this I can get some results and really praying that my hard earned money amounting to {$4100.00} be returned to me by Wells Fargo. I would love to continue doing business with them but this incident now made me think twice, I am now contemplating transferrering all my accounts ( XXXX in all ) to another Bank. I will also advised my friends and relatives to do the same.
Consumer complaint received 2022-03-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

The issue is regarding XXXX  XXXX included in my monthly payments which I am allowed to have cancelled upon meeting certain qualifications. My Policy NoXXXX. 

I have requested termination of XXXX XXXX as we have met all the conditions to make us eligible as of XXXX, XXXX. To date, I have met all the requirements for elimination of XXXX  XXXX and PHH has acted in the worst manner possible to delay the elimination of XXXX  XXXX from my monthly payment. I have called them over two dozen times, sent them written qualification paperwork, and met all their stipulations but have been getting the run-around for 3 months with delays, no return calls or emails, bureaucratic bungling and every other possible means to discourage me from pursuing this right that is due me. 

I am requesting that CFPB sanction PHH for such sleazy practices and contact them to demand immediate termination of the monthly XXXX  payments on my mortgage.
Consumer complaint received 2022-03-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

Due to Covid I have to take a forbearance on my mortgage. The forbearance ended on XX/XX/XXXX. I chose to do a loan modification which took 2.5 months to complete. Every time I called during this time period I was told I did not owe anything until the loan modification was complete. On XX/XX/XXXX I called for a loan update and to inquire about letters I received from the lender stating I was behind. I was told by the gentleman to ignore the letters as they were from an automated system, that there were almost done with my modification and my 1st new payment would be due on XX/XX/XXXX. I specifically asked if I would be paying for the months it took to complete the loan modification and was told no. He told me he couldn't accept money from me even if he wanted to because they didn't know what my note was yet! He assured me on XX/XX/XXXX, I would only be responsible for that month 's mortgage bill. So, I call on XX/XX/XXXX ready to pay and was informed I was 4 months behind! When I explained what they told me Every Time I Called, they called me a liar and said they could only accept the whole amount due! I start saving my money to pay them. Then, on XX/XX/XXXX XXXX sends me a certified letter from them stating I have until XX/XX/XXXX to pay {$10000.00} to cure my default and avoid foreclosure. So on XX/XX/XXXX I call and speak with XXXX to let her know I will have the funds in a week and am told on XX/XX/XXXX ( a day before they sent me the certified letter ) they put my home in active foreclosure! XXXX tells me they do not have to honor the Cert. Letter they sent me. I argued with her & begged her to do whatever she could to accept my payment and am told she will work on it. I called again on XX/XX/XXXX to make the payment and was told they can not accept it and are unsure if they could reinstate my loan! They told me to wait a week for a letter from their attorneys and that if they could reinstate my loan, I would also have to pay their attorneys fees in full! I am a single mother who's real estate business was destroyed by covid. I don't see how it's fair for them to continue to tell me one thing and then change their mind! They also sent me several documents ( which I still have ) ( promissory notes for over {$21000.00} and others ) which they deny sending me. I also know that they record all of their phone conversations and have records of all of our conversations. I believe they need to honor what they told me and allow me to pay the house notes I am behind on ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) which I can pay now! I am also being sued by XXXX XXXX tax assessor because they have not paid my taxes! Please, I am begging you, if there is anything you can do to help me! I am not a bad person, I do not break the law, I do not do bad things, never been arrested! I am just a hard working single mother trying to recover from the havoc covid caused my business. 
Sincerely, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX