davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-24
Product: Credit 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: AMERICAN EXPRESS COMPANY (VA)

I filed a complaint against XXXX XXXX XXXX XXXX XXXX due to a transaction for a real estate coaching that I requested. The company did not comply with the contract and took XXXX from me. I have been trying to get my money back by contacting American Express which was the bank that I used to pay XXXX to XXXX XXXX. American Express told me that they can't help me because of their policy, i feel this is unfair when other people in my situation are getting their money back. Please I need some assistance I'm a XXXX Veteran and this situation has contributed to my condition. 


I know people who submitted their complaints here and got their money back.
Consumer complaint received 2019-09-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CA)

About six months ago, I had subscribed to XXXX to sell items of our business and personal unused belongings, when XXXX provided a TRUSTWORTHY FUND RECEIVER AND PROCESSOR Paypal. From the very first sale Paypal refused to use valid credit card and print shipping label, so the item was sent WITHOUT SHIPPING LABEL, SITTING SOMEWHERE IN THE UNDELIVERED PACKAGES OF USPS. At the fifth transaction of sale, 11 days after the complition of sale the funds still missing from the account where Paypal supposed to have deposited 9 days ago!! The last and ultimate sale, Paypal had received the funds of thrust but refusing to allow the printing of shipping label of received trust funds. Called XXXX two times to interfere, XXXX   come on line with broken English and heavy lack of competence, failing to reliese the part of funds to print shipping label. Paypal had been braking bylaws, trust issues and general consumer confidence matters, and XXXX had been promoting this ROUGE BUSINESS!!!
Consumer complaint received 2019-05-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TN)

In XX/XX/XXXX, I called my lender, Mr. Cooper, to find out when I could expect the overage in my Escrow. I calculated my return would be approximately {$300.00}. The employee I spoke with told me all loans would be verified at the end of the month and that is when disbursements would be mailed. When I received the analysis result : Shortage, it showed a shortage of {$.00}. This was interesting since my home insurance was {$830.00}. for the year through XXXX. However, on my last mortgage statement, it showed my mortgage insurance to be {$1200.00}. and an annual change of {$85.00}. for a total of {$1300.00}. Instead of the true figure of {$830.00}. It would seem that Mr. Cooper has been forging documents to meet the company 's needs, not the mortgagees '. This also happened in XXXX when my hazard insurance was {$1000.00}. which was paid. However, that year on my year end statement, it showed my hazard insurance to be {$1000.00} and an annual change of {$90.00}, totaling {$1200.00}. There total should have been $ XXXX.It seems Mr. Cooper has been forging documents for sometime to increase his wealth. Unfortunately, the employees are also guilty of these unethical and seriously unlawful practices. This is happening to all of Mr. Cooper 's mortgagees, not just me.
Consumer complaint received 2018-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Equifax Credit Report # XXXX has spelling of name as XXXX XXXX. This is incorrect. Spelling of name on Birth Certificate, Social Security Identification card, Drivers License is correctly spelled as XXXX XXXX XXXX XXXX. Use of XXXX XXXX is fraudulent representation of identity and needs to be corrected.
Consumer complaint received 2019-04-02
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)

Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX  partial account number XXXX. This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2018-04-08
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. (CA)

I had a XXXX XXXX Credit Card, they charged me excess fees, also I set up a payment program, they sent me documents to confirm this agreement. I made several payments into the agreement, then a family member offered to pay the account off, I made arrangements to pay off the account. XXXX XXXX accepted the payment on XX/XX/XXXX. on XX/XX/XXXX they sent me a confirmation agreement. on XX/XX/XXXX, XXXX XXXX reported to the credit bureaus my account was delinquent, after they had received my payment, and closed the acct. 

Also I asked for a Letter of confirmation that the account was paid and there is no balance outstanding, They gave me a line that I will have to phone them to receive a letter stating my account is paid and satisfied.
Consumer complaint received 2018-04-08
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: SYNCHRONY FINANCIAL (PA)

I had unauthorized hard inquiry on my credit report from the following company : Company : XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/2017 2017
Consumer complaint received 2023-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

XXXX has not reported my previous history of loans and has failed to update the credit beauros with the updated status of each of my previous loans. I have submitted a dispute to Equifax and XXXX in effort to have my credit report updated with my full history of loans with XXXX. Unfortunately, this process has been slow, and they have not reported the loans. This is a violation of my rights, and I am requesting assistance.
Consumer complaint received 2019-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

On XX/XX/XXXX, I obtained a cash advance in the amount of {$5700.00} on my credit card with Bank of America due to repairs required on my house. On the next statement I received ( XX/XX/XXXX - XX/XX/XXXX ) it reflected interest of {$36.00} for the advance. The statement of XX/XX/XXXX - XX/XX/XXXX reflected interest of {$120.00} with a " balance subject to interest rate '' of {$6000.00}. The statement of XX/XX/XXXX - XX/XX/XXXX reflected interest of {$120.00} with a " balance subject to interest rate '' of XXXX. My most recent statement ( XX/XX/XXXX - XX/XX/XXXX ) reflects interest of {$160.00} with a " balance subject to interest rate '' of {$7200.00}. 

I asked a customer service representative today why the cash advance balance is higher than the original advance, and was informed when payments are received the minimum payment amount goes to the lowest APR balances first and anything above that to the higher APR balances. This information is on their monthly statement. I also asked if the monthly interest on the cash advance balance is calculated on the " higher '' balance of principal plus unpaid interest, and was told yes. I understand this as capitalized interest ( charging interest on interest ) and thought it was illegal.
Consumer complaint received 2019-04-05
Product: Student loan — Private student loan
Issue: Problem with fraud alerts or security freezes — 
Company: Nelnet, Inc. (NC)

I was notified in early XX/XX/2018 that Firstmark Services, who was servicing my student loan that they had, without my consent, stopped my auto debit payments due to a hurricane relief initiative for my area ( North Carolina - we were hit by two hurricanes in 14 days ).

I notified them that I had no need to stop auto debit. Instead of turning it back on, they kept it off and now my credit score has dropped 140 points in the mean time before I could discover the error. I want those 140 points back - I did nothing to induce these changes and otherwise have impeccable credit.
Consumer complaint received 2022-09-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc. (NC)

About a year ago received notice by credit reporting application credit karma that medical collection was place on my credit report. I reached out to agency letting them know that it was not me and it is still on my report, and it is now stopping me from obtaining suitable housing
Consumer complaint received 2019-05-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

In the month of XX/XX/2019 I experience approximately {$15000.00} being transferred from one of my accounts in three increments of just under {$5000.00} each, to what by all appearances was a legitimate company. ( XXXX XXXX ) I've come to understand having had several conversations with Citizens Bank, that any entity posing as a legitimate company who has access to your account number and bank routing number ( which appears on every check you write! ) can pull off this scam. 

The perpetrator begins by sending small deposits to the account followed by major withdrawals, typically starting the next day. 

The bank has refunded the monetary losses but certainly not paid for my time or aggravation. ( New checks, account overdrafts, payroll withdrawal reestablishment, etc. ) In my discussions with the bank, I have learned that they have security tools to prevent this type of fraud. The outrageous absurdity is that they want to charge me for these tools! 

How is it that XXXX can tell me when anybody is attempting to access my account and the bank can transfer funds without a word? 

I have been led to believe that this is common practice for banks in general. If so, this needs to be addressed!!
Consumer complaint received 2019-09-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC. (IN)

XXXX XXXX  charged off credit account and was paid for the debt through insurance. Midland Funding bought the debt and has reported it to the credit agencies, causing two negative entries on the credit bureaus reports. A letter was sent to Midland and their attorneys, XXXX XXXX XXXX, XXXX, ( XXXX AL ) yet they still report the debt and filed civil suit in Alabama. The original account was created in Florida. Additionally, the statute of limitations on collecting the charged-off amount has passed.
Consumer complaint received 2018-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

My wife and I had a home equity line of credit ( HELOC ) with XXXX. We never drew down the line of credit, and it was closed when we sold the home in XX/XX/2016. Indeed, we have the deed of reconveyance for the HELOC. Yet the HELOC still shows as open on all of our credit reports. It appears that XXXX never informed any of the three credit reporting agencies that the HELOC was closed.
Consumer complaint received 2019-09-28
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. (CA)

XXXX accts nos.XXXX and XXXX are accounts that I have reporting to XXXX , TRANSUNION AND XXXX . 
The accounts are closed.Both accounts have a balance that is less than the credit limit.All of the accounts have been intentionally misreported following each and every credit dispute with each of the BIG 3 bureaus as to whether or not they are open or closed or what the current balance was at the time of the dispute.I perceive this occurs because XXXX XXXX has no interest in adhering to the strict standards of accurate and complete credit reporting as required by the FAIR CREDIT REPORTING ACT. 
In each and every dispute, the disputes are answered to XXXX XXXX in an automated fashion as of the previous statement cut date ... and therefor the only 'guaranteed ' days of accurate credit reporting are on the statement cut date themselves.Each and every intentional misreporting of credit carries a {$1000.00} statutory penalty to be paid by the subscriber and co-operating bureau ( where negligence and intent can be proven ) .I may have to file suit to collect, yet this complaint this day is a record of notice to all three bureaus of XXXX XXXX   INTENTIONAL MISREPORTING AS A PATTERN AND PRACTICE.THE CORRECT REACTION OF ALL 3 BUREAUS IS TO NOT ALLOW THE REPORTING OF CREDIT BY XXXX XXXX UNTIL THEY WILL ABIDE BY ALL CREDIT REPORTING LAW. 
THIS OFFENSE COULD AND WILL BECOME A CLASS ACTION INITIATED BY ME.IT IS SUSPECTED THAT ANY DISPUTE BY ANY CUSTOMER OF CREDITONE WILL BE INTENTIONALLY VERIFIED AND MISREPORTED ... thousands or millions of XXXX customers are being harmed with the cooperation of the BIG3 credit bureaus as of today 's date.
Consumer complaint received 2018-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION (AL)

On XX/XX/XXXXa XXXX check in the amount of {$140.00} to XXXXXXXX XXXX XXXX was delivered to the business. 
On XX/XX/XXXX, Navy Federal made an ACH debit in the amount of {$140.00} as an online payment to XXXX XXXX XXXX 
On XX/XX/XXXX, XXXXXXXX XXXX XXXX returned the unpaid XXXX check ( {$140.00} ) to me as a refund for a cancelled contract. 
XXXXXXXX XXXX XXXX did not receive an ACH debit nor are they set up to receive online payments. 
I did not authorize a duplicate payment. 
I was advised that paper checks are automatically debited as 'online payments ' on the scheduled delivery dates and not when the checks are presented for payment. 
This makes no sense but the same thing has happened on multiple occasions in the past. 
Thank you for any assistance.
Consumer complaint received 2023-02-24
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: EQUIFAX, INC. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2019-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Security Credit Services, LLC (IN)

XXXX XXXX XXXX XXXX is a not a rental housing company. This is affecting me from renting out from real rental home and apartment communities. The only thing I leased from the company were TV 's not an apartment. According to the XXXX, here is a summary of the results of the XXXX  investigation : The trade line for Security Credit Serv # XXXX & XXXX are reporting as a Rental collection based on the classification of business by the original creditor. The trade line is a furniture company and is not related to a residential lease.
Consumer complaint received 2019-09-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MD)

Ditech did not run a correct escrow analysis on my account which shows my property taxes has changed which I have a {$600.00} surplus that needs to be issued as a refund and change my monthly payment to the correct amount. 

Ditect is still not reporting my correct mortgage balance each month to all 3 credit agencies. 

Ditech as not cancel my escrow account at my request which is allowing them to float my monthly payments each year.
Consumer complaint received 2019-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I have sent a certified letter with return receipt to XXXX XXXX on XXXX19 with an enclosed check for the full amount allegedly owed. Stating : " Enclosed is a check for the alleged balance for the above-mentioned account # XXXX for {$1900.00}. 
Upon cashing this check you agree to the terms of this letter ( hereinafter contract ), the terms are as follows : 1 ). Account shall be settled as paid in full. 
2 ). You agree to remove any and all derogatory reporting from all credit bureaus including but not limited to XXXX, XXXX & TransUnion. 
3 ). All collection attempts & activities shall cease. 
4 ). You agree not to sell or transfer this alleged account to another collection agency or debt collector. 
5 ). If you dishonor this contract or violate its terms you agree to compensate me in the amount deemed reasonable by the court and that this agreement is a Cognitive Contract and you agree to Summary Judgment against you. 
Upon cashing this check you have 30-days to comply with the above. 
Notice to principal is notice to agent, notice to agent is notice to principal. '' On XXXX19 XXXX XXXX received the letter, and cashed the check on XXXX19. The account has still not been removed my credit file even after XXXX XXXX received my letter/contract where it stated upon cashing the check, that they agree to the terms in the contract. I then sent another letter to them with a photocopy of the first letter/contract and the check. Stating : " Since you have cashed the check you have violated the terms of the contract by not settling the account as paid in full, and also by not removing any and all derogatory reporting from all credit bureaus including but not limited to XXXX, XXXX & TransUnion. By dishonoring the contract and violating the terms, you have agreed to compensate me in the amount deemed reasonable by the court, and the agreement is a Cognitive Contract, where you also agreed to Summary Judgment against you. '' On an updated report it still shows Failed to Pay.
Consumer complaint received 2019-09-28
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: WELLS FARGO & COMPANY (MN)

I have a credit card that was hacked. It had a balance of over {$5500.00} before the hack. Then it was hacked and they made charges to total the balance of over {$11000.00}. We tried resolving the issue with wells Fargo and they verbally communicated the transfers were made over in XXXX. We have never seen statements indicating this. They refuse to even send physical proof of their words. We have never left the country in the past 10 years. Wells Fargo refuses to credit the account back to original balance before the hack because they said the account was logged in and out from a credible account in XXXX. Wells Fargo froze the credit card and we are fine with that. We just want to go back to the original balance, pay that off and be done with wells Fargo.
Consumer complaint received 2019-09-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (HI)

My name is XXXX XXXX. My sister XXXX XXXX and I co-purchased and co-own a home at XXXX XXXX XXXX in XXXX California. Our FHA mortgage was necessary because of my sister 's poor credit and being in collections on student loans. Our initial lender was XXXX XXXX who sold to XXXX XXXX. XXXX sold the loan to Selene Finance LP POB XXXX XXXX PA XXXX this spring. My sister set up the online access. On XX/XX/19 I called Selene requesting a pay off amount and learned my demographic information was not provided to Selene when XXXX XXXX set up the online account. Selene advised closing the online account and setting it up again with both of our contact information. When XXXX XXXX learned I contacted Selene she yelled at me that I did not have authority to call Selene. That day she transferred {$12000.00} from our joint account into her personal account and called Selene and told them I was bipolar and not to do anything I asked. The Selene representative I talked to named XXXX told me this when I talked to her on XX/XX/19. Since then Selene has refused to provide me any documents regarding the mortgage and has not answered two emails requesting information. I no longer have online access to the account.
Consumer complaint received 2019-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Quality Asset Recovery LLC (NY)

I disputed this account with Quality Asset Recovery on XX/XX/2019. The company failed to respond, and never responded. I sent them a follow up letter of their default on XX/XX/2019. Again the company failed to respond and the items were removed and deleted as per section 609. The company has re reported this negative item on my credit file on XX/XX/2019while I am looking for a home. This will eventually result in my homelessness and I am going to take action in the court. I can sue {$1000.00} and up, per item per reporting. I also receive calls all day every day and have finally found the culprit behind these calls. That is harassment.