davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-05
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: ENCORE CAPITAL GROUP INC. (OK)

XX/XX/XXXX called Midland Credit Management to set up payment arrangements of {$50.00} a month for 3 months starting XX/XX/XXXX. XX/XX/XXXX I made {$50.00} payment and today XXXX/XXXX/XXXX got a letter saying that agreement was voided. 

Called MCM and they could n't offer any explanation as to why it was voided. All they would say is that they received payment in XX/XX/XXXX. When I set up this arrangement it was because they told me that if I did not make arrangements to pay than this pre legal account would go to their legal department. 

It seems like they voided the agreement that both me and midland credit management agreed to in the hope that I would n't find the letter and be taken to court! 

I set up another arrangement but fear that this too will be voided like last time and i notice it too late
Consumer complaint received 2023-07-24
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Capital Link Management, LLC (LA)

I have an account from balance credit that I guess was bought by a debt collector- capital link management address XXXX XXXX XXXX XXXX XXXX XXXX. They have harassed me, spoke to me via email very rude, disrespectfully, and called me basically a liar about a date that I mailed a check. I have all email communications they have sent me for reference. Also they told me multiple times that as long as the settlement check was received by end of XXXX it would be acceptable as settlement. Now they are saying since it wasnt received in now they will not take it, they keep going back and fourth. And soooo rude to me. They have caused me so much XXXX, stress and no one should be treated this way. I want to get a lawyer and sue them for approaching me this way!
Consumer complaint received 2024-03-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO. (MD)

My mother and my sister co-owned a joint account at Chase XXXX, in XXXX Texas with no beneficiary on the account. When my sister died in XX/XX/XXXX, the account was locked. My mother died before we received my sister 's death certificate, which was required to modify the account owners or beneficiaries. As executor, I asked Chase XXXX for information on the account and was told the account was locked. The balance at that time was {$5900.00}. Chase XXXX distributed the amounts in my mother 's other accounts but never informed me that the consequence of that disbursal was that the minimum balance of my mother 's accounts therefore went below a minimum. 

Despite having death certificates and documentation that I was my mother 's executor, Chase XXXX required that I go through a court finding in Texas for a small estate ( I live in Maryland ) to obtain a Letter Testamentary in order to get information from Chase XXXX about this account, costing over {$3000.00}. With the pandemic and normal delays in Texas, that took until XX/XX/XXXX. At that time Chase XXXX informed me that the balance was {$5500.00}. It took months more to get bank statements to determine the reason for the loss, which was a monthly service fee of {$25.00} for being below the minimum balance, despite the fact that Chase told me the account was *locked*. Their delays added up to nearly {$500.00} in fees out of this locked account, all of which could have been avoided if they had respected the existing paperwork. Instead, they took money and cost the estate several thousand for a Texas pro-forma finding. 

Further, Chase bankers verbally told me that it was " wrong '' for the bank to deduct that money. Three separate efforts, over two years, to try to obtain a refund were entirely unsuccessful. I was finally able to close the account in XX/XX/XXXX, when the balance was down to {$5400.00}. Chase took {$480.00} in illegal charges, and I would like a refund.
Consumer complaint received 2023-04-06
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. (MD)

On XX/XX/2022 I received an email informing me that my credit score had changed because of an account with XXXX XXXX I have never had a XXXX XXXX  account so I went to a local XXXX. They could not help me because they said this was my account. I was in contact with a bank representative in the legal department who said the information was accurate so no changes were made. After months of that I wrote a letter asking for information used to open the account. Finally in the end of XXXX I received a reply by mail ( letter ) saying in other words the account was not mine. Please remove the information about this account from my credit report including a previous address that does not belong to me.
Consumer complaint received 2023-04-07
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: DISCOVER BANK (OH)

Claimant ( consumer ) is in receipt of XXXX ( financial institution ) letters dated XX/XX/XXXX in regards to an investigation about multiple inquires ( dated XX/XX/XXXX and XXXX XXXX ) that was a result of fraudulent inquiries that XXXX does not have permissible purpose pursuant to 15 U.S.Code 1681b. The Claimant therefore has actual damages sustained as a result. The Claimant now has evidence that the Respondent fails to comply with the Fair Credit Reporting Act, 15 U.S.Code 1681 et seq with respect to Claimant as a consumer wherefore the Claimants commercial ability is impeded due to the Respondent. Pursuant to 15 U.S.Code 1681XXXX the XXXX is liable for Civil liability for willful noncompliance and 15 U.S.Code 1681o for Civil liability for negligent noncompliance. The Claimant has attached an Affidavit of Fact, A Dispute, Exhibits and an Invoice for the Respondent to review and or fulfill the actual damages sustained by the Claimant, the consumer.
Consumer complaint received 2022-07-20
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. (FL)

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

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. its also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (IL)

on XX/XX/XXXX i received a notification from Experian notifying me that a new account has been added to my credit file, upon me checking my credit report i learned that the new account was from XXXX, which is a company i dont have any knowledge of, Additionally my credit file indicated this account was opened in XXXX of XXXX HOWEVER i have a Fraud alert on my credit file where any new accounts must be verified by me before opening and no one has contacted me to verify that it was me opening the account. 

Please provide me with a copy of any original documentation documentation ( a consumer contract with my signature on it ) required under section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). I would also like to know your method of verification used to verify this account which is required under Section 611 ( a ) ( 1 ) ( A ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to promptly DELETE all information which can not be verified
Consumer complaint received 2019-06-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Utah System of Higher Education (NY)

Last fall ( around XX/XX/2018 ) I was renewing my IDR repayment plan with XXXX servicer and requested that they send me via mail, a hard-copy of all qualifying payments for my own records. It has now been more than 6 months and I have yet to receive this in the mail. I also spoke with them today to follow up and they apologized for not getting me these records and that they would have to put in a new request into their system. Unfortunately, their website is pretty basic and there is no way for me to run a query to display my qualifying payments. Any bank or credit card company needs to be able to get their customers this information so there is no reason by a student loan servicer should not be any different. 

I also wish to note that nowhere on there website do they state the type of repayment I am in. As someone who is on a student loan forgiveness track this is incredibly important information to see. Also none of their IDR repayment forms display this information which is also incredibly misleading and hurtful to customers wishing to confirm their repayment or gather documentation towards forgiveness for a particular repayment plan.
Consumer complaint received 2016-07-02
Product: Credit card — 
Issue: Credit determination — 
Company: AMERICAN EXPRESS COMPANY (CA)

AMEX phoned me and invited me to apply for a gold AMEX card. Said I was prequalified. So I applied over the phone, was denied. I appealed the denial - AMEX says I was denied because my old AMEX card was cancelled in 2003. That was thirteen years ago during the financial crisis I could n't pay my bills. I have over XXXX credit now, always pay my bills, high credit lines on all my existing credit cards. Why wo n't AMEX forgive and forget? It seems like it is a violation of the Fair Credit Billing Act to hold something over seven years old against me. That old AMEX debt was never pursued and was forgiven by AMEX, it is legally extinguished.
Consumer complaint received 2019-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Back in XX/XX/XXXX my credit union, XXXX XXXX, notified me that they no longer wished to do business with me and that they were closing my accounts. I had a checking, savings, credit card with {$500.00} limit and a line of credit for {$1000.00}. I asked them how i was going to pay my loans off if they were closing access to my online accounts. They said not to worry about it and that they would take of the loans, and they didn't want to have anything to do with me. They made me sign a contract about the loans being paid off by them if I agreed to never seek to do business with them again. They denied me any way to pay off the loans and then 3 years later in XX/XX/XXXX they report my loans as being charged off, leaving 2 big red C-Os on my credit file. I contacted XXXX XXXX in XX/XX/XXXX about the problem and asked them to fairly report what happened. They failed to do so instead they moved the charge off date to XX/XX/XXXX.

XXXX XXXX XXXX is the party that ended the banking relationship with full knowledge that I owed on 2 loans, they denied me access online to pay my loans off. I tried in good faith to pay the debt.
Consumer complaint received 2020-09-25
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. (NV)

I have been working on my credit since XXXX of 2020, I realized there were accounts on my report that I did not authorize or approve of. I did lose my purse almost 10 years ago. I didn't think anyone was using my information till I started looking over my credit. I filed a police report and identity theft report. I then went to dispute the accounts through the credit bureau and they have not erased them from my credit report.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I am very frustrated at this point. This is ridiculous! I contacted XXXX over 30 days ago and they have done nothing to resolve the issues I reported to them regarding my consumer credit report. I haven't heard anything from them and I've see no changes on my credit report. This is causing me emotional distress, as this incorrect information on my report is effecting me from getting a home. They don't seem to be following the rules set out for them as nothing has been done and I have not receive a single update from this company.
Consumer complaint received 2019-06-19
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: General Motors Financial Company, Inc. (IL)

On XX/XX/2018 XXXX XXXX Opened account for XXXX for XXXX Ive never used this card nor did I fill out and application to open this account.I have filled out a police report and a FTC.GOV report regarding this matter. I've called XXXX and they stated XXXX is comfirming this was my account. This information was reported to a childhood address which I haven't lived in 40yrs. also they are reporting a 1st payment was never received. I have resubmitted everything to XXXX for the fifth time. 
XXXX XXXX XXXX opened account XX/XX/2018 for the amount of XXXX this was removed then added back. Ive called requesting more information from both XXXX and XXXX
Consumer complaint received 2019-04-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION (SC)

I opened a SECURED credit card account with Navy Federal around XX/XX/XXXX. They took {$500.00} out of my account as security to hold. Around a week later I received my card. Months later I lost my job and was unable to make payments on the card. I did not worry about this because Navy Federal had my security deposit. Shortly after this I started receiving calls that I owed them money that they already had. After many hours on the phone trying to straighten it out I was told the bank didn't know what happened that there was a " technical issue ''. At that time I asked why their technical issue was being reported on my credit reports. If there was a issue on the banks end they shouldn't be asking me to pay AGAIN. I filed a complaint and received a call. This time they partially blamed me. Telling me that the {$500.00} they deducted from my account for the secured card they for some unknown reason put back in my account. This makes no sense as the purpose of a secured card is once again that the bank holds onto the security deposit in case of default. This account has now been reporting negatively for 3 years and in violation of federal law. The bank is knowingly reporting negative information for a problem that they have acknowledged is their fault. I called on XXXX and tried to settle the account because it is stopping me from purchasing a house and was basically told this is not only my problem but even if I do pay it they will not remove the negative history associated with the account by XXXX ( F ) phone number XXXX at extension XXXX. I spoke to her manager Mr. XXXX at extension XXXX and he also refused to help me fix the problem. Now after dealing with this for 3 years and having my finances and life ruined I am seeking legal recourse in accordance with the Fair Credit Reporting Act. There will be no more phone calls or me trying to fix their mistake. The information being reported is not accurate, due to negligence and negatively impacting my reputation causing much mental anguish. I need all of this documented because if there are other people being conned like myself I'm sure there will be another class action lawsuit.
Consumer complaint received 2019-06-19
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: AMERICAN EXPRESS COMPANY (VT)

XXXX XXXX.XXXX  - NEW YORK {$260.00} I returned {$170.00} worth of clothing from this purchase on XX/XX/19 to a XXXX XXXX XXXX store in Vermont. The refund was not processed correctly and I did not see the refund posted to my AMEX account. 

After waiting over 5 days for the merchant to refund my money, I filed a dispute with AMEX, provided a copy of the refund receipt, but have not received a temporary credit on my account for the disputed amount while the dispute is being investigated. I'm being held responsible for the full charge while the dispute is being investigated - which I was told could be up to a month, even though I provided written evidence of the receipt for the refund. 

AMEX told me that they will not issue a temporary credit on my account until next month. This is not a permanent refund amount, this is a temporary credit they would issue while they look into the dispute. 

I've gone round and round with AMEX and they still insist on jerking me around - like they have several times in the past few months. STOP TREATING YOUR CUSTOMERS LIKE XXXX! 

I provided the refund receipt - issue me a refund like I deserve!
Consumer complaint received 2022-09-03
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: EQUIFAX, INC. (IL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX Balance : {$4500.00}
Consumer complaint received 2018-06-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Massachusetts Educational Financing Authority (MA)

Back in either XX/XX/XXXX or XX/XX/XXXX my loan provider, XXXX, double charged me for my loan payment that month. I did not notice this, but they reviewed my account and realized they did this and sent me a check in XX/XX/XXXX. Upon receiving this check, I deposited it at my bank on XX/XX/XXXX where it seemingly went through. A couple of days later, I got the money retracted from my account because the company authorized a stop on the check. They claim that the stop was issued because the name on the check was incorrect ; however, the name on the check was mine and the check should have been made out to me as they double charged me. In addition to this, the company claimed that I am late for my last payment which does not make sense because I have automatic payment on which takes from my account and has for over a year and a half now. The company said that they were going to put my account on review to see if they can fix the issue. The company has promised to call me back within the day. I am currently waiting for that call but honestly do not expect them to get back to me in a reasonable time. This is not however the only issue that I have had. My account is cosigned by my father ( who cosigned for all of his children ). A couple of months ago one of my payments did not come out of my account but somehow came out of my sisters bank account. Now my account with XXXX is completely separate from my sisters and should not have any of the information shared. This issue was eventually fixed after my sister spent hours on the phone with the company. After they fixed that they then proceeded to take the money out of my brothers bank account the next month who had already paid off the entirety of his loan and did not owe the company anymore. The customer service for this company is ridiculous and they constantly believe that they are right even if they are taking money from the wrong accounts and essentially stealing it. Stay away from this company if you have the option.
Consumer complaint received 2019-06-19
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. (NC)

Currently the XXXX XXXX is reporting two late payments XX/XX/XXXX and XX/XX/XXXX for 30 and 60 days past due. I was in a deferment and setting up a repayment plan with them and I have disputed this with them and the credit reporting agencies with no avail. I am trying to purchase a home and these false negative reports are hurting my chance at securing financing
Consumer complaint received 2019-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (AL)

I sent someone to place {$220.00} into my checking account to prevent it from over-drafting on XX/XX/2019. When they got to the bank they stated that they couldn't make the deposit because their name was not on the account. Wells Fargo stated that they wouldn't take cash deposits from non-customer 's due to money laundering problems. I think this is unfair and unethical. How can you state that everyone in the bank is laundering money. They stated I could go and purchase a money order to then place the funds in my account ... what is the difference they are still both guaranteed funds. And who goes and spends money to pay themselves. I will not be adding everybody I know name to my account just to make deposits
Consumer complaint received 2019-06-19
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)

Currently the XXXX XXXX is reporting two late payments XX/XX/18 and XX/XX/18 for 30 and 60 days past due. I was in a deferment and setting up a repayment plan with them and I have disputed this with them and the credit reporting agencies with no avail. I am trying to purchase a home and these false negative reports are hurting my chance at securing financing
Consumer complaint received 2019-06-19
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. (NC)

Currently the XXXX XXXX is reporting two late payments XX/XX/18 and XX/XX/18 for 30 and 60 days past due. I was in a deferment and setting up a repayment plan with them and I have disputed this with them and the credit reporting agencies with no avail. I am trying to purchase a home and these false negative reports are hurting my chance at securing financing