davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX claim my credit account was 30 days pass due when their company policy states that if I paid my account in full, they would mark my account current and any late payment would be removed. I have already spoken to the company about the matter and they refuse to remove the late payment despite their current policy to do so
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

XXXX XXXX claim my credit account was 30 days pass due when their company policy states that if I paid my account in full, they would mark my account current and any late payment would be removed. I have already spoken to the company about the matter and they refuse to remove the late payment despite their current policy to do so
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX claim my credit account was 30 days pass due when their company policy states that if I paid my account in full, they would mark my account current and any late payment would be removed. I have already spoken to the company about the matter and they refuse to remove the late payment despite their current policy to do so
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :
Consumer complaint received 2022-03-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

on XX/XX/2021 I got email by my collage email address says he offered part time job and i started communicated with the hire person by my personal email address and he started " I provide individual and group therapy, coaching, assessment, and academic screenings to support students & individuals with XXXX ( XXXX XXXX XXXX XXXX XXXX ) registered with XXXX. A large percentage of people served by the mental health unit have XXXX XXXX or XXXX XXXX XXXX and need mental health support to be successful. 

In addition, many Students with academic difficulties and no prior diagnosis are seen and assessed through the academic screening and assessment process. I also am the XXXX XXXX XXXX, training and coordination of counseling psychology and clinical psychology graduate students of the United States who have practicums at XXXX and XXXX accredited school psychology predoctoral interns. You have received this email because you have an offer from the University XXXX for XXXX to work with me while we help Students with disabilities frustrated with ignorance and lack of services as my temporary personal assistant. 

I care about Animal Welfare, Arts and Culture, Children, Civil Rights and Social Action, Education, Environment, Disaster and Humanitarian Relief, Social Services, and lots more. This is a very simple job. You will only help me purchase some Items when needed. This employment only takes an hour a day and 3 times a week for {$500.00} weekly. 

I am unable to meet up for an interview because I am currently in XXXX with my wife who is Battling with XXXX and has an upcoming XXXX next week. You will be paid in advance for all tasks and purchased to be done on my behalf. Upon my arrival we will discuss the possibility of making this a long-term employment if I am impressed with your services while I am away '' and i accepted the job and started to work. on XX/XX/2021, XXXX and XX/XX/2021 he continued sent me the check by email worth {$4500.00}, {$2000.00}, and {$3500.00} and he asked me to print out and deposit in my bank by phone. after i deposit in my bank my bank approved the next day, after that he asked me to sent back to him by XXXX transfer worth {$2000.00} and {$1000.00} separately to the person name XXXX, also he asked me to buy Bitcoins worth {$2500.00}, {$1000.00}, and {$2000.00}, after 3 days my bank rejected my check one by one, and i called my bank to ask whats going on they told me the check is not legitimate. after that i know i got scammed and reported my local police department and my school police department, and FBI,
Consumer complaint received 2023-02-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (NY)

There are a lot of things that are going on here so I'm going to try and break them apart into different sections of the complaint based on how they are worked out and have been discovered. 
M & T bank obtained my loan starting in XXXX of XXXX it had previously been held by XXXX XXXX XXXX XXXX. We had no problems during the time the loan was held by XXXX XXXX XXXX in terms of payments or clear explanations of what was going on until they began the selling process to M & T Bank. Since M & T bank has taken over there have been repeated missteps, miscommunication, and problems many of which are surrounded by our escrow account and XXXX XXXX. 

Problem 1 ) Somehow XXXX XXXX XXXX XXXX  did not pay our XXXX  for 12 months. M & T Bank took the money from our Escrow account to make this current however, according to our Escrow Disclosure any late payments, fees, or interest associated with payments not made in a timely manner are the responsibility of the bank. I have highlighted and sent in this information to the bank and received back our mortgage is required to have XXXX  and that's what the Escrow Account is for and we're not entitled to the money back even though the bank did not make timely payments. They also overpaid the PMI by 2 months and have since corrected that problem admitting their mistake. 

Problem 2 ) Also in our Escrow Disclosure is the right for us to remove PMI from our mortgage earlier as long as our principal balance must be 75 % or less than the appraised value. We have requested on multiple occasions to have the house appraised again as we bought it at over appraised value and put in {$50000.00} worth of work which should put us over the clause. M & T Bank continues to say we're not eligible for this and " SONYMA does not accept or consider home evaluations such as appraisals when reviewing for mortgage insurance removal. Your PMI will automatically be removed at an XXXX of 80 % or below if a satisfactory pay history is maintained '' even though there is a clause in our mortgage that states differently and XXXX XXXX XXXX XXXX  was aware of and willing to do before they sold our mortgage. 

Problem 3 ) When making our XXXX  current and something to do with taxes I'm still not 100 % clear on M & T Bank cleared out the majority of our Escrow account making it short for XXXX. I understand this can happen and have no problem paying into the Escrow account to ensure our payment does not go up. M & T Bank is insisting we can not pay the full shortage and they must raise our payment. I don't even know how much we're actually short because of the situation where they over took XXXX  in problem 1 and they've also attached an additional {$730.00} tax estimate into our account that doesn't exist as we only have 3 tax payments XXXX, XXXX, XXXX.
Consumer complaint received 2022-03-17
Product: Credit card or prepaid 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: AMERICAN EXPRESS COMPANY (NJ)

Someone in XXXX, NJ fradulently made a {$1000.00} payment to my American Express card. They also placed a fradulent mailing address onto my Amex account. I do not live in XXXX. I went to XXXX and they started a stop payment. In XX/XX/2021, while I was in the hospital, someone had stolen my credit cards, debit cards as well other banking information. This is how the {$1000.00} payment was illegally processed later on. The person who had stolen my identification and other personal checking information, at the hospital, caused my account to get destroyed. I asked the bank to give me a couple of days to set up a new checking account so that my credit card account would stay in good standing. I could, then, process a payment from a new checking account to American Express. They instead closed my account. Right now, I am gravely ill with hernias and I am severely depressed from some of the hate crimes that have been happening to me. They should not have closed the account, so rapidly, without letting me change the checking account while processing a new payment. I reported this to police and other agencies.
Consumer complaint received 2016-01-25
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: SUNTRUST BANKS, INC. (FL)

This is the 2nd complaint about the same, unresolved issue. Let me start by stating that I do not think all the parties at SunTrust Bank are addressing or communicating with each other over this issue. The first problem comes into play that I did place a charge in XXXX XXXX for {$160.00}. Upon deciding that I did not want the service and did not like what was provided, I decided to contact XXXX XXXX and let them know to remove the charge. Between XXXX and portions of XXXX, I requested the merchant, XXXX XXXX, to remove the charge. Upon speaking with several of the representatives, the first of which promised to remove the charge, I thought this issue would be resolved. Not only was the money not refunded to me, but I was advised to take up this issue with my bank, SunTrust. I contacted SunTrust Bank on XXXX/XXXX/XXXX to place a formal dispute on the charge for {$160.00}. Once the dispute was placed, it took a very long time for credit to be issued. After contacting this agency and threatening with contacting the state attorney general, SunTrust issued the credit. The first complaint in reference to this was closed out when I spoke with XXXX at SunTrust. XXXX assured me that the dispute was closed in XXXX and the credit of {$160.00} was permanent. I assumed with the complaint being permanent, the money was mine and it was in the account. In XXXX XXXX, I received another letter from SunTrust Bank advising that the merchant responded to my dispute and was requesting that I provided the refund policy and other information to SunTrust in reference to the amount. We are already hitting the 4 month mark on this dispute and the unclear, XXXX letter from XXXX at SunTrust made this issue sound like it was far from closed. The money has been utilized for the {$160.00} and being told, after the 1st complaint against SunTrust, tells me there is a lack of communication between the Debit Card Fraud group and the executive group that handles these complaints. I have tried to call XXXX back on several occasions and I have left voice mails with her and in the general mailbox with no calls back. I was advised that I had to respond by XXXX/XXXX/XXXX in reference. I have no idea what I am responding to as I thought this issue was closed. This is causing a lot of aggravation, frustration, and an extreme feelings of disgust. SunTrust needs to get their act together. 

Thank you XXXX
Consumer complaint received 2023-02-07
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. (IN)

I reviewed my consumer reports and noticed that I had a late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account listed : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I demand these payments be updated to " on time '' as they should be, as I was NEVER late.
Consumer complaint received 2022-03-17
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. (CA)

XXXX XXXX XXXX XXXX  Closed
Account number
XXXX
Account status
Closed
Date opened
XX/XX/2014
Account type
Credit Card

XXXX XXXX XXXX XXXX XXXX, TX XXXX
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: Experian Information Solutions Inc. (MI)

in accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-17
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: CITIBANK, N.A. (NY)

On XX/XX/2021 I purchased two air plane tickets from the merchant ASAP Tickets for the cost of {$950.00} and {$990.00} to a flight to XXXX on XX/XX/2021. 

Upon arrival to the airport I immediately proceeded to check in with the airlines, XXXX, but was denied entry on the basis that the Covid policy changed from 72 hours to 48 hours the prior week. I had the proper negative covid results but did not receive any direct notification that the policy has changed, only a link within the booking confirmation was circulated. By that time I had the test scheduled and everything planned for the trip. 

After upon hearing that I could not board the flight I immediately called ASAP tickets to see if they could help the situation but they did little to help, along with the airlines themselves. 

I attempted to changed the itinerary but merchant customer service was unresponsive. I then immediately filed a dispute with the credit card, Citibank, on XX/XX/2021. 

They opened the dispute and provided me with conditional credit while the dispute was open. 

Citibank contacted the merchant and the merchant responded after nearly a month with their paperwork. I then provided my paperwork along with my comments. Nearly another month went by when the merchant was again allowed to provide additional information but I was not. 

Citibank ended up denying my dispute on the basis that the ticket was non-refunded able and suggested I should get in touch directly with the merchant. I strongly believe that the dispute was done haphazardly and only focused on the " non-refundable '' element of the merchant 's policy and not the fact that I was not provided adequate information regarding the Covid policy changes. 

The merchant has a history of providing terrible customer service. As you will see in my documentation I contacted the customer service many times but never had a concrete response regarding a refund or potential travel credit.
Consumer complaint received 2023-09-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NY)

Submitted form on studentaid.gov XX/XX/XXXX. Called to check on any information needed from me and status of SAVE plan form processing XXXX. Called XX/XX/XXXX to check in after XXXX business days ( how long they said it would take to process when checking previously ) to see status of processing and was told there was no timeline for processing.

Asked about the interest above my payment amount being waived if they take longer than the first month of payments since I am switching to the SAVE plan, and I was told that could not occur until I was already on the SAVE plan for that payment period. So, I will have XXXX XXXX of interest instead of ~ {$40.00} ( estimated SAVE payment ) until they process my form. I shouldnt have a XXXX XXXX penalty for each month it takes them to process my form. 
In the meantime, rather than switching me to the SAVE plan, they have moved me from the PAYE plan ( under $ 100 monthly payment ) to a level payment plan of {$810.00} per month.
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

USAA SAVINGS BANK XXXX  Closed
Account number
XXXX
Account status
Closed
Date opened
XX/XX/2014Account type
Credit Card

XXXX XXXX XXXX XXXX XXXX, TX XXXX
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: Self Financial Inc. (TX)

Self credit card takes XXXX days to respond to emails and close account. 

As part of this work, the Civil Rights Division is tasked with enforcing the Servicemembers Civil Relief Act ( SCRA ), 50 U.S.C. 3901-4043. ... The SCRA is a federal law that provides protections for military members as they enter active duty. The funds applied to the card are though my personal trust fund. The company had not sent out any mail regarding late payments to the address on file and felt obligated to report to the credit bureaus negativity effecting my credit score and security clearance as a XXXX XXXX
Consumer complaint received 2022-03-16
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. (FL)

XXXX {$8200.00} as owed on XX/XX/21 on my credit report explain the constant change on my credit report. now in express of XXXX it was changed to {$21000.00} and then changed again. This company and credit bureaus need to be investigated.
Consumer complaint received 2022-03-16
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. (FL)

XXXX {$8200.00} as owed on XX/XX/21 on my credit report explain the constant change on my credit report. now in express of XXXX it was changed to {$21000.00} and then changed again. This company and credit bureaus need to be investigated.
Consumer complaint received 2022-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Offer was 0 % apr on balance transfers. 
After being approved Capital One said the offer did jot apply. 
We have the supporting paperwork/offer as proof. 
Now our credit score will be impacted. We closed the account asap. 
Date of application approval was XX/XX/2020. 
False advertising..
Consumer complaint received 2022-03-16
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. (PA)

Hi, my name is XXXX XXXX XXXX. I am contacting the bureauS today to have the following negative items disputed from my credit report. The negative items are impacting my score tremendously and I ask that they be deleted from my report. The items I need removed are listed in the report attached. I have notified the companies that I did not make these charges and that they are fraudulent. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commissions Identity Theft Affidavit.
Consumer complaint received 2022-03-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Valor Intelligent Processing, LLC (GA)

I have received repeated calls beginning XX/XX/XXXX thru XXXX from a listing identified as Valor. Because i was unfamiliar with this number i did not answer until recently The caller begin with a series of questions attempting to identify me while refusing to identify who they were and the reason for the call. Needless to say, i discontinued the call and received another call from this company a few days later. Person refuses to identify themselves are the purpose of the call. 

I subsequently found the company to be a debt collector of which i have no knowledge and owe no debt to. Repeatedly calls to my mobile
Consumer complaint received 2022-03-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY (NJ)

On XX/XX/2022 I submitted a negotiable instrument along with a remittance coupon to set off XXXX 's monthly statement. Your offer was accepted in the amount of {XXXX  for the value and consideration and tender the payment for the complete amountand accord satisfaction. Per UCC 3-603/ 3-311 upon redeeming the instrument.

Once accepted for value, the enclosed instrument is a lawful specie of payment under UCC 3-104, which can be used to credit/ off-set the balance of account. 

On XX/XX/2022 the account was only credited XXXX You are in violation of 12 CFR 1026.13 and UCC 3-501. 

I also learned after the fact, that my account was closed on XX/XX/2022 due to a past due balance. I was not informed that my account would be closed, and I have been in communication with American Express informing them of the entire process. It is a violation of the Equal Credit Opportunity Act 12 CFR 202.2 ( c ) ( ii ). 

I have informed the company and gave ample time to correct the billing error and restore my account. We are well beyond a month now. Despite my urgency due to it's time sensitivity, I have not been given the proper due process into this matter, and my credit image is damaged daily. Also financially I am experiencing a great deal of stress not having access to a main credit line. I incurred paying higher fees using other cards to compensate for the lack of not using my American Express credit card.