davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-01
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: UNIVERSAL COLLECTION SYSTEMS, INC (GA)

On XX/XX/XXXX, I noticed two new derogatory accounts on my XXXX  credit report both in the amount of {$550.00} and both from XXXX XXXX. I disputed the same with XXXX. On XX/XX/XXXX, XXXX responded to the dispute claiming these accounts were correct. On XX/XX/XXXX, I contacted Universal Collection Systems in XXXX, TN to inquire about the same. Universal Collections stated that one account was a duplicate but that the other was correct. They also stated they sent one ( 1 ) correspondence regarding this account in XXXX. ( I did not receive a copy of this alleged XXXX correspondence ). Universal Collections stated they never called me about this alleged debt. Instead, three ( 3 ) years  after sending the alleged correspondence in XXXX, they report both accounts to the credit bureaus making them in breach of the Fair Credit Reporting Act by not allowing the consumer adequate notice to dispute a collection and by making a fraudulent derogatory account on my credit report. On XX/XX/XXXX, I also requested an itemized statement of the charges. To date, I have not received the same. Instead of complying with the Fair Credit Reporting Act, Universal Collections is attempting to bully me into paying for an account ( s ) that is not mine and by reporting the same account twice to the credit bureaus thus hurting my credit in an attempt to intimidate the consumer into paying. 

Note I have no correspondence from Universal Collections to attach to this complaint.
Consumer complaint received 2023-01-03
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.C. System, Inc. (MI)

Pursuant to 15 USC 1692g ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 

Notice of Dispute I.C. System, Inc. is a third party debt collector, and you are illegally attempting to collect an alleged debt in the amount of {$1500.00}. 

Pursuant to 15 USC 1692g ( b ) I am demanding I.C. System, Inc provide the name and address of the original creditor, and cease collection of this alleged debt. 

Pursuant to 15 USC 1692f ( 1 ) I am demanding I.C. System, Inc provide the authorized agreement between myself and I.C. System, Inc that created this alleged debt in the amount of {$1500.00}. 

Failure to provide any and all information is a violation of the FDCPA. Which will make I.C. Systems Inc civilly liable for any actual damages, and violations of the FDCPA pursuant to 15 USC 1692k. 

I.C. Systems, Inc has 1 day to respond to this CFPB complaint.
Consumer complaint received 2019-07-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX and Transunion are reporting incorrectly a collection on the XXXX XXXX partial account number XXXX in the amount of {$3100.00}. ( Please see page 21 of the attached credit report. ) This account is falsely being reported on my credit report. I do not now, nor in the past, have had an account with XXXX XXXX. This collection has been falsely attached to my credit report and this inaccurate reporting is seriously harming my credit score. I have contacted the ( 2 ) bureaus to have these items removed.
Consumer complaint received 2017-05-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On :  XXXX   XXXX ,  2017 , I submitte d two  requests to : Bank of America, on behalf of my Residen t Manager   XXXX   XXXX , to get proof that I have a Safe Deposit Box with Bank of America in the  XXXX   XXXX   XXXX   XXXX , in :  XXXX   XXXX , CA so with that proof I can get re-certified for being there at my Unit with :  XXXX . So far Bank of America, has not send any proofs to :  XXXX   XXXX  the Resident  Manager  at :  XXXX   XXXX  Apartments, in :  XXXX , CA to prove that I have a Safe Deposit Box with Bank of America in the  XXXX   XXXX   XXXX   XXXX , in :  XXXX   XXXX , CA so with that I can get re-certified for being there at my Unit as a Tenant of hers.
Consumer complaint received 2023-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/2023, I the consumer and natural person was denied credit by American Express when I applied for the Business Credit Card. Adverse Action against the consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 USC 1619c and is pursuant to civil liability under 15 USC 1692k. You are subject to criminal liability for violating 15 USC 1691 as I have proof that I was discriminated against by American Express due to the response I recieved. American Express is in violation of 15 US Code 1642, USC 1681m, and 12 CFR 1002 because I the consumer did an application in good faith, yet credit was not issued. Furthermore, because my credit card ( SSN ) was used and I received NO benefit, this is proof of fraudulent activity ( unauhtorized use of credit card ) on behalf of American Express.
Consumer complaint received 2019-07-01
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. (TX)

Experian and XXXX are reporting incorrectly a collection on the XXXX XXXX partial account number XXXX in the amount of {$3100.00}. ( Please see page 21 of the attached credit report. ) This account is falsely being reported on my credit report. I do not now, nor in the past, have had an account with XXXX XXXX. This collection has been falsely attached to my credit report and this inaccurate reporting is seriously harming my credit score. I have contacted the ( 2 ) bureaus to have these items removed.
Consumer complaint received 2018-04-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (IN)

On XX/XX/XXXX went online to access online banking account held with American Express Serve and was unable to do so. I immediately contacted American Express Serve to see if there was a problem. The representative told me that American Express Serve was experiencing some technical problems and that my account should be off hold in 24-48 hours and that it was a problem that had effected many of their customers- not just me. At approximately XXXX on XX/XX/XXXX I  received an email from American Express Serve stating that I had transferred the balance from my reserve to my main account. I immediately contacted American Express Serve once again and asked who made the transfer, because I had not. The customer service rep. told me that American Express Serve had made the transfer to my main account and then did a manual debit to remove the funds from my main account. The rep. said they had no other information at this time, except that the account would be on hold for 24-48 hours. I keep calling American Express Serve and was finally transferred to a gentlemen named XXXX in technical support would stated that he authorized the transfer and manual debit of the funds based off a letter he received from my previous employer about an error. XXXX stated that they were investigating the information they received from my previous employer, the funds were on hold, and that I would be contacted by phone or email once the investigation was complete. I never received an email, letter in the mail or phone call with the results of this investigation. I gentlemen from Illinois Department of financial institutions demanded a explanation as to what took placed and they sent him a letter by email that he then forwarded on to me. A retailer that I made a transaction with on XX/XX/XXXX using my serve card stated that they were contacted by my previous employer about the transaction. American Express Serve had to share my transaction history with my previous employer for them to be able to make contact with this retailer about this transaction.
Consumer complaint received 2019-07-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Ascendium Education Group (IN)

Originated a student loan with XXXX XXXX XX/XX/XXXX for {$28000.00}. Made monthly payments until I became unemployed. My loan was sold to United Student Aid Funds & went into forbearance XX/XX/XXXX. Was informed I needed to make rehabilitation payments to XXXX XXXX XXXX starting XX/XX/XXXX to XX/XX/XXXX for total {$700.00} in order to become rehabilitated & then my loan was sold to XXXX. My complaint is that I was never informed by United Student Aid Funds , Inc. or XXXX   XXXX XXXX that I would be charged a {$7900.00} fee to rehabilitate my loan. This amount was added to my student loan principle & interest. I have now been paying at minimum {$500.00} a month to date to repay my loan & I am just now getting close to my original loan amount of {$28000.00}. This undeclared rehabilitation fee has cost me thousands in interest alone. I could have been close to paying off my student loan originated over a decade later. United Student Aid Funds inc & XXXX XXXX XXXX should not be able to charge exorbitant undeclared fees for student loans already in trouble. Want to warn others & learn what type of legal recourse I have for this undeclared fee that has cost me close to {$20000.00}
Consumer complaint received 2019-07-01
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. (NC)

I have reached out to XXXX 40 different times concerning accounts on my credit profiles that were opened fraudulently thru and by Identity Theft. XXXX XXXX, a supervisor at XXXX has been very threatening and loose with his words as a so called Professional. I advised him that I have sent several copies of an FTC Report which is of course a Federal Trade Commission Identity theft report as well as several police reports attached thru the regular mail and thru the upload tool online. XXXX XXXX told me that the FTC Report I sent meant nothing at all. He said it was totally worthless and that he would make sure none of the accounts would be removed or blocked due to Identity theft. I was not only shocked but floored by his excuse for not taking any action concerning this identity theft situation. XXXX and Equifax received my documents and had no problem removing the accounts in question. Also XXXX XXXX knows about the other two credit bureaus removing or blocking the accounts in question. He stated that the other two companies dont really count at all. Yet another loose comment made to me. Help please.
Consumer complaint received 2019-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

I went to deposit a check from my previous employer and while depositing that check the ATM did not fully complete the transaction due to the check getting stuck in the slot which wasnt my fault. About 3 weeks later I received a notification that my account was on a negative. CHASE took the credit of the funds back without properly investigating the claim and the situation. Chase bank stole XXXX $ from my account and didnt care to further investigate.
Consumer complaint received 2019-07-01
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: URS Holding, LLC (KS)

I wrote to you on XX/XX/XXXX, requesting the following documentation, so that I may settle any financial obligation I might lawfully owe : 1. Validation of the alleged debt ( the actual accounting ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act XXXX, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act XXXX and what actions s/he has taken in relation to this account.
Consumer complaint received 2019-07-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (CA)

Since the start of my US Bank mortgage in XXXX, it has not been serviced correctly. Each month there have been mistakes in the statements and these continue to be ongoing. I call US Bank on a weekly or monthly basis to remind them of the issues on my account and to open new " tickets. '' There has been no manager accountability or adequate follow up to correct these issues going on for years, despite me speaking to managers in customer service, the escrow department and the tax department. 

-USB incorrectly read county tax information and recorded my XXXX taxes as late, opened an escrow and paid my XXXX taxes in advance. US Bank has recognized they made a mistake in opening the escrow, have received the full refund, but is now charging me fees to close it. 

-there have been several months that the principle is applied incorrectly, causing a late status on my account for the interest portion. I have to frequently request this is updated, and my credit report adjusted. 

These two issues remain unresolved as of XX/XX/XXXX, despite me being told they were being resolved ( multiple times including in XXXX ). I have paid two different escrow amounts in full to close the escrow account, I am now being told a third and different amount needed to close the escrow. US Bank has 1. signed me up for products that I do not need or agreed to 2. charging me for products that I do not need or signed up for. 

US Bank needs to take responsibility for the issues on my account that THEY caused. I have paid my mortgage on time every month since my mortgage started.
Consumer complaint received 2019-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NV)

In 2014 I surrendered my home to the XXXX due to a layoff ( XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ). The house was sold XX/XX/2014 to the highest bidder, it's new owner is XXXX XXXX XXXX XXXX, which is public record. Equifax is the only creditor still reporting this as my home which is false information. It's been removed from XXXX and XXXX. I'm in the process of trying to buy a new house, and this error is making it very difficult for me and my family.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-03-26
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY (NY)

I signed up for a XXXX XXXX credit card under the pretenses, which were abundantly advertised to me, that I could use the card/account to pay my rent without incurring additional credit card fees and that I would be compensated " XXXX points '' on such rental payments. After signing up for the card, the company 's software refused to allow me to pay my rent via the online platform. I was instructed to contact support. I did so and was informed that because the building 's unit information did not match mine, I could not pay my rent via XXXX. The only options they then provided were to pay the rent by credit card and incur credit card processing fees or to pay by ACH but receive a limit of XXXX points per rental payment, significantly below the offered XXXX points on rental payments. Unfortunately, signing up for a credit card does impact your credit score negatively, and the idea of promotions is to offset that negative financial impact. 

Unfortunately, XXXX engaged in misleading and possibly false advertising concerning this promotion.
Consumer complaint received 2019-07-01
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. (PA)

XXXX  student loan was supposed to remove missed payment in good faith within new agreement. My wife has XXXX  illness from XXXX XXXX. Payment fell behind when she was hospitalized. I have now had a new agreement and all payment history was cleared from my account y just not my credit record or score. 

Thank you
Consumer complaint received 2019-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

Navient student loan was supposed to remove missed payment in good faith within new agreement. My wife has chronic illness from XXXX XXXX. Payment fell behind when she was hospitalized. I have now had a new agreement and all payment history was cleared from my account y just not my credit record or score. 

Thank you
Consumer complaint received 2019-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX student loan was supposed to remove missed payment in good faith within new agreement. My wife has XXXX XXXX from XXXX  XXXX. Payment fell behind when she was hospitalized. I have now had a new agreement and all payment history was cleared from my account y just not my credit record or score. 

Thank you
Consumer complaint received 2024-03-26
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: DISCOVER BANK (NY)

The web company XXXX has been charging monthly subscriptions I never signed up for to my Discover credit card since XX/XX/year>. I immediately called XXXX customer service, which I found online. I was told that XXXX is a third-party billing service, which I don't believe. XXXX said I subscribed to a service from XXXX and was refunded {$350.00} out of the total {$630.00}. I have never subscribed to anything from XXXX. The Discover card and XXXX told me to wait a couple of weeks for those charges to be reflected on my account. However, XXXX says they can't refund the remaining fraud charge because Discover is blocking and denying the refund. According to Discover, there is no such thing as blocking or rejecting the refund. This back-and-forth between XXXX and Discover has continued since last XXXX. I can't tell you how many countless hours & days I spent resolving the issue. XXXX 's customer service phone number and email address no longer work. The XXXX 's XXXX XXXX worked after a few attempts, but I was told the same excuse : they tried to refund, but Discover rejected the refund. I had both the Discover & XXXX, which XXXX said I purchased the service, on the phone at the same time so that the Discover can tell XXXX that they accept the refund. However, XXXX repeated the credit company 's rejection of the refund while we were all on the phone and hung up. I also sent an email to XXXX customer service, " Contact Form, '' but I haven't heard anything back from them, of course.
Consumer complaint received 2019-07-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (IL)

In or around the summer of XXXX, my bank account was closed out by Chase bank. I was told that no information could be provided to my as to why. 

My wife had several accounts. Some of which were joint accounts with her and I and some she had added me to. 

I know a few people that have higher managerial roles within the bank and when I asked them to look into it for me, they advised that they closed my accounts based on a negative history with ANOTHER bank, XXXX XXXX XXXX. 

I pulled my consumer reports, both XXXX  and XXXX XXXX XXXX  ( XXXX  ), and my records are crystal clear. I don't owe any banks any money, not XXXX XXXX XXXX nor Chase. 

I used to work for XXXX XXXX XXXX and I bounced a check back in XXXX. I was terminated and all my accounts were closed. From then on, XXXX  XXXX XXXX has me on a indefinite fraud block and says that I can't get an account with them until XXXX. 

I'm well aware that XXXX XXXX XXXX and Chase bank own XXXX which means that they can ultimately share internal data and records. Although they have the ability, it's an unethical and illegal practice. At best is discriminatory. Chase is Chase and XXXX  XXXX XXXX is XXXX XXXX XXXX. 

I'm now in the position, both credit wise and financially, to become a Chase Private Client, and I am unable to take advantage of the benefits that many of my elite counterparts. Like I said, at best, not allowing me to be an account holder with Chase, is at best discriminatory. Because I have not negative history with Chase.
Consumer complaint received 2019-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I paid off my XXXX XXXX Account No. XXXX in XX/XX/2018. XXXX is still reporting that I owe money on this account to XXXX and TRANSUNION. By incorrectly reporting this amount to XXXX  and TRANSUNION, XXXX is driving down my credit score with XXXX  and TRANSUNION. Could CPFB please get XXXX to correct this? Thank you for your assistance with this request.