davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (VA)

The documentation that is being sent back is not supporting the claims of your AMEX department. 

I have sent American Express over 30 pages of documentation collected, highlighted, notated multiple times. 

I have filed a dispute for the amount of {$2700.00} due to your dispute agent advising on a recorded call from XX/XX/2018, to not pay the XXXX Arbitration fee  of {$290.00}. 

The result of the dispute is that Amex sends XXXX Documentation stating that they believe the claim is not legitimate and will not refund the cost. 

The dispute is not with XXXX. It is with AMEX due to your dispute agent advising on a recorded call from XX/XX/2018, to not pay the XXXX Arbitration fee of {$290.00} I have filed 3 CFPB claims and the response is that AMEX acknowledges the call was made and that We found that we could have provided you with a clearer response on the expectations of the dispute process and any outstanding fees you may have to pay to XXXX during that call. 

The documentation that is being requested from the dispute can not be provided to the dispute department due to : Please note, phone call recordings and/or transcripts, if available, are business records of American Express that can only be provided in response to a lawfully issued subpoena How am I supposed to provide you with supporting evidence of the call when you won't release it without a subpoena? 

You confirm and acknowledge that the call exists where the dispute agent on XX/XX/2018 with explicit advice in plain English to not pay the arbitration fee. 


Why are my cases now being closed with the response I am no uploading supporting documentation, when the only documentation needed is internal to American Express? 

Attached is a PDF version of this letter with references to cases both opened with American Express and CFPB
Consumer complaint received 2019-06-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

Beginning XXXX I have dealt with my current payment situation on almost a monthly basis. I have been paying on my student loans for over 10 years. Throughout that time on usually an annual basis, my information mysteriously goes missing and after a period of time just long enough to get my payment behind Navient miraculously is able to track me down. I have been told that my address was no longer valid even though I owned the home and had lived there for multiple years. I was told that I requested to convert to online billing ( which I did not ). The online billing " request '' event has happened multiple times. It is always just long enough for me to have to pay late fees and catch things up. I have several bills and I work a long hours and I do not always notice if I have received a particular bill that month but I pay everything that I receive. I applied for income driven payments since my payment was more than my mortgage payment. Each year there would be a delay and more costs so I signed up for a 3rd party company to navigate the paperwork for me. I am a full time instructor and have been since XXXX so I enrolled in 10 loan forgiveness. Due to inability of Navient to bill me properly I have now lost 3 years of consistent payments and have to begin at day 1. It all seems like a scam and I feel like I am being punished for wanting an education.
Consumer complaint received 2019-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ID Analytics, Inc. (GA)

I applied for a credit card with XXXX XXXX and recieved a letter that they pulled my credit report from a a company called " SAGESTREAM , LLC ", I'M extremely concern due to the fact this company i never heard of and they are not one of the Credit agencies allowed to provide this information. Also show my score at XXXX which is so wrong becuase my score is XXXX with XXXX  and XXXX and XXXX. 

I want my file removed from them and want to know who authorized them to put my information in their system ..
Consumer complaint received 2023-05-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (NC)

This is my third attempt to get some verifiable information that this debt belongs to me. I have previously disputed this debt as fraudulent as I have no knowledge of this account. 

When request verification BULLCITY claims to be sending the verification documents to the address on file of the debt however they know I will never receive those documents because I have never lived at the address for which said debt is being claimed.

BULLCITY is able to send the debt verification documents requested to the return address on the handwritten dispute I sent multiple times however they have failed to deliver me documents that verify this debt legally belongs to me. THIS ACCOUNT NEEDS TO BE REMOVED FROM MY CREDIT FILES FOR FRAUD AND INACCURACIES.

BULLCITY has over the course of many dispute requesting for verification of the debt because it is fraudulent and or does not belong to me however continue to reage this account knowingly reporting inaccurirs. I have never admitted that this debt is mine and have only asked for verification proving the debt belongs to my yet BULLCITY continues to change the date of last activity reaching the account even tho it is fraudulent. I am In BULLCITY a response they stated that I could file a police report to have the item removed however filing a police report is not an option because I do not have enough information on the debt or who could have possibly committed the fraud. However I spoke with a credit agency representative who said a second option would be to file a claim with CFPB. I am running out of options as this is stopping me from opportunities that could enhance my life. 

Delete this account for it is fraud.and provide your verification documents used to determine the debt is mine via your response to this complaint.
Consumer complaint received 2019-06-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC (IL)

Last Year around XXXX, I received a letter from XXXX XXXX XXXX regarding a student loan- I sent a debt validation letter to them and they sent me a contract but my signature was not on ANY of the documentation, the original lender was listed as XXXX XXXXXXXX XXXX XXXX XXXX . I called them to get more information but they refused and referred me back to the collection agency I disputed ted XXXX through the XXXX and this was removed from my credit report. This time I notice the Original creditor changed to XXXX XXXX XXXX which is now XXXX. I called XXXX while this was still in dispute and they had no record of any student loan from XXXX. XXXX XXXX send this to another Agency in XXXX of XXXX and I repeated the process and again it was removed again. I didn't hear anything from XXXX but received yet another letter in dated XX/XX/XXXX from XXXX XXXX XXXX regarding the same loan. i am exhausted this is affecting my credit an me completing my XXXX. This account is from XXXX!!!!! and it has not even been proven to be mine - How can they just keep sending it to different collection agencies and reporting like it's from XXXX. How can I protect myself and my credit?
Consumer complaint received 2019-06-13
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. (MD)

XXXX XXXX XXXX ; XXXX XXXX ( XX/XX/XXXX ) ; XXXX XXXX ( XXXX ) ( XX/XX/XXXX ) ALL ON EXPERIAN/XXXX/XXXX   and disputed. 

I recently attempted to dispute them and informed " I can not dispute as I already have done so ''. Yet, these items remain on my report though disputed and XXXX XXXX and XXXX XXXX ( XXXX ) was included in my ch. XXXX ( discharged/paid in full ) XX/XX/XXXX ; remain as negative items on my report. Experian is not removing the items and say I can not dispute them, though they list nothing stating included in Ch XXXX and discharged. Since that is the case, I have been trying to get them removed as they are all over 7 years old to no avail.
Consumer complaint received 2019-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NC)

Citi is refunding {$330.00} XXXX to its credit card customers XXXX XXXXXX/XX/2018 XXXX XXXX If you have a Citi credit card in your wallet, you may be owed some money as part of a settlement that Citibank has reached with the Consumer Financial Protection Bureau ( CFPB ). 

RELATED : What happens to credit card debt when you die? 

The CFPB said that Citibank failed to reduce the annual percentage rates ( APRs ) on some customers credit cards : As described in the consent order, the Bureau concluded that Citibank violated the Truth in Lending Act by failing to reevaluate and reduce the annual percentage rates ( APRs ) for approximately 1.75 million consumer credit card accounts consistent with regulatory requirements, and by failing to have reasonable written policies and procedures to conduct the APR reevaluations consistent with regulation. 

Under the terms of the consent order, Citibank must correct these practices and pay {$330.00} XXXX in restitution to consumers affected by them. 

Citibank self-identified and self-reported the violations to the CFPB, so no additional fines were assessed. 

XXXX reports that Citibank said the refunds will average about {$190.00}. Theyre expected to be issued to affected customers by the end of the year. 

In a statement to XXXX, the bank apologized to consumers for not correcting the matter sooner. 

According to XXXX, customers who are owed money from the settlement dont have to take any action theyll automatically be refunded. 

Read more about the settlement from the Consumer Financial Protection Bureau. 

I tried numerous times to get them to see there was several errors on my account. 
Based on this lawsuit I am due restitution. However, I have not received any information from Citibank regarding this.
Consumer complaint received 2023-05-08
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. (NC)

I have a fraud alert on my credit files. Today I found the following as a hard inquiry. 

I contacted them, and was told that my account had been approved and that credit cards were being sent out. I did not request this account nor did I attempt to open any credit cards or accounts. 

They verified my information and told me they would cancel the applications, cards and contact the credit bureaus to delete the inquiry. However I am very concerned with my fraud alerts being posted and them approving credit and cards. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-06-13
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 a 30 day late on the XXXX XXXX partial account number XXXX. ( Please see pages 2 and 3 of  the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. Please remove this line item from my credit report.
Consumer complaint received 2020-02-06
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: Experian Information Solutions Inc. (CA)

-- CLOSED ACCOUNTS 1. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/2015 with a credit limit of {$1900.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2015 with a credit limit of {$20000.00} -This is not my account. 

3. XXXX  XXXX with ACCT # XXXX opened on XX/XX/2015 with a credit limit of {$9600.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2015 with a credit limit of {$13000.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/2015 with a credit limit of {$9000.00} -This is not my account. 


-- PERSONAL ACCOUNT 6. XXXX XXXX with ACCT # XXXX opened on XX/XX/2015 with a balance of {$11000.00} -This is not my account. 


-- COLLECTION ACCOUNT 7. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/2015 with a loan amount of {$150.00} -This is not my account.
Consumer complaint received 2019-06-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BB&T CORPORATION (VA)

I have a mortgage with BB & T. When I first got my mortgage 4 years ago, I immediately discovered that BB & T does not apply interest correctly. We pay our mortgage in excess each month, spread out over 2 payments. BB & T uses a suspense account and does not apply our payment timely. This is a violation of Federal Law {$15.00} U.S.C. 1639f. It is also a violation of the mortgage agreement that I have with BB & T which only allows for the use of suspense accounts if the loan is not current. My loan has never not been current. 4 years ago I reached out to CFPB about this issue and BB & T promptly corrected the issue. At that time, BB & T admitted that their system was not capable of processing the payments correctly and that I just needed to call to have it done manually. I reached out in XX/XX/XXXX of this year and asked them to correct 4 years of payments. I also have found a discrepancy in terms of how BB & T accounts for the Escrow payments. The total balance of my Escrow account does not match the total on my annual escrow statement. 2 forms prepared by BB & T do not match each other. BB & T owes me somewhere in the neighborhood of {$5000.00} based on how the interest is applied. It's been 2 months and BB & T has not gotten back to be despite promising to do so. My contact at BB & T is XXXX XXXX, she is very nice. The person she passed my issue off to has not responded. 

I ALSO BELIEVE THAT THE CFPB SHOULD INVESTIGATE BB & T BECAUSE OF THESE ISSUES. IT'S VERY LIKELY THAT CONSUMERS ARE BEING TAKEN ADVANTAGE SINCE BB & T CAME OUT AND ADMITTED TO ME THAT THEIR SYSTEM DOES NOT COMPLY WITH FEDERAL LAW.
Consumer complaint received 2023-05-08
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have contacted Capital one Auto Finn. The information that they have is not my address never lived there. I have done a fraud pack of their information twice and they want me do another one, for them to not do anything about the issues. I think this is another tack that they are doing to keep this account on my credit report. Capital One Auto have made my life miserable. I have been fighting this for 4 years and nothing but back and forward to no end.
Consumer complaint received 2019-06-13
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: KEYCORP (NY)

I came into a XXXX XXXX car dealership on XX/XX/2019 with the intention to buy a XXXX XXXX that day, and had a pre-approval from XXXX XXXX. I was introduced to the sales rep XXXX XXXX and I immediately explained to him what I wanted, that I had also been pre-approved by XXXX for a 3.99 % rate, and that I did not want to put one penny down. He said sure, they could roll everything in, and showed me a car that met my needs and had me fill out a credit application on their computer. I again, let XXXX know I had a pre-approval from XXXX He assured me this was the process. Needless to say I met with the finance guy next and he tried to get me to sign documents that said i was paying an 8 % interest rate and it was from another bank. I let him know of this error and he acted surprised then finally came back with 3.9 % rate from XXXX XXXX. After coming home with the car I have found my credit was pulled by over 5 banks ( XXXX XXXX , XXXX XXXX XXXX, Keybank, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX ) without my permission. These hard inquiries cost me a credit line already and have lowered my credit score. I am also very upset they have shared my credit history and personal information with other banks without my permission. I have tried in good faith to work with the dealership to have them removed but they are combative and show zero empathy for my situation. I have attached one of the emails I have sent, the credit application explanation I saw when authorizing the credit pull, and my pre-approval letter which I had showed the sales rep. 

My personal information including credit history, social security number, and income was shared without my permission. This needs to be fixed asap.
Consumer complaint received 2019-06-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (FL)

I received a letter from XXXX XXXX XXXX attempting to collect a debt on a XXXX XXXX bank account that is over 12 years old. This is a fraudulent attempt to collect money for a debt that is no longer valid. 
XXXX XXXX doesn't care about this debt anymore and yet all this collection groups attempt to make some money off these invalid debts. 

Resurgent Capital Services is a collections agency which attempts to collect fake /old debt under many identities. Some of these identities are : LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-13
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. (NJ)

XXXX has reported & verified with Trans Union that a mortgage account that went into foreclosure and should have been removed from my credit report XX/XX/XXXX due to age was brought current during a few months at the end of XXXX & beginning of XXXX when it was not. Court papers XXXX XXXX filed for the foreclosure on XX/XX/XXXX accurately reflect that the account was in default and never brought current. This account has been disputed numerous times with Trans Union, most recently in XX/XX/XXXX,  copies of the court papers XXXX filed were included in the dispute but XXXX keeps verifying incorrect information. The date of last payment is correctly shown as XX/XX/XXXX and no payments were ever made after that date. XXXX XXXX reports the account as " OK '' from XX/XX/XXXX thru XX/XX/XXXX and as of XX/XX/XXXX shows 120 days late. Their own reporting is a contradiction showing current in the 3 months preceding a report of 120 days late. Although I sent Trans Union the proof that XXXX XXXX is reporting and verifying incorrect information this account is still on my report when is should have been deleted XX/XX/XXXX.
Consumer complaint received 2023-05-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

We were part of and/or involved with the Bank of America scandal in 2008. I am a XXXX XXXX veteran and a single parent. Due to my sons and my own health issues I was forced to take unpaid time off from work. Along with time off, I worked for the XXXX XXXX XXXX and we were working under imposed work rules due to failure of contract negotiations which caused sequestration. I attempted to deal with Bank of America on my own and numerous times, over the course of 18-24 months, the agents I actually got to speak to told me NOT to make any payments toward my mortgage. I was told the payments would not be applied toward my mortgage and would be sent back. I attempted to make a payment or 2 anyway but as the agent told me my payments were returned to me. At the time I had paid a significant amount of the mortgage down but got behind due to the above reasons. Eventually I was forced to hire an attorney which cost me over {$10000.00} to have this matter taken care of. We ended up in court and a judge ordered a modification which I ultimately accepted. The problem was that because of the amount of time all of this took I ended up with over {$110000.00} in fees, interest etc. tacked onto the end of my mortgage. Additionally the terms were changed from a 30 yr mortgage to a 40 yr mortgage. My outstanding balance skyrocketed from {$270000.00} to over {$400000.00}, which is more than what I even bought the house for. Since this incident Ive been buried and struggling to make ends meet as I am the ONLY working person in my 4 person household. To this day my house is in foreclosure ( no sale date has been scheduled ) and things have only gotten worse.
Consumer complaint received 2020-09-24
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: Experian Information Solutions Inc. (GA)

Experian and XXXX  are fraudulent on my following accounts : XXXX is fraudulent on my credit Account # XXXX. 
XXXX/XXXX is fraudulent on my credit Account # XXXX. XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX. XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX. XXXX XXXX XXXX is fraudulent on my credit Account # XXXX. 
XXXX/XXXX  is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX
Consumer complaint received 2020-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST ADVANTAGE CORPORATION (IN)

My name is XXXX XXXX I got a background check preformed by a company named first advantage. The check was preformed on behalf of XXXX. I was told I have a XXXX  conviction in XXXX this information is false and has cost me several jobs. 
.