davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-21
Product: Credit card — 
Issue: Transaction issue — 
Company: AMERICAN EXPRESS COMPANY (CO)

i have had an AMEX account since 1973. I mailed a check to American Express on Monday, as of Friday the check had not been cashed. I called to find out if was in process. They said they had not received it, claiming it was a problem with the mail service. This morning, Saturday, I received an email from AMEX saying the check was received. Later this morning I received another email for AMEX say the account is past due, warning me that the account may be suspended. I called the phone number to find what was going on. The person I talked to blamed issue on the mail service. The payment location is in XXXX, I 'm XXXX. I told him I think the problem is with their processing center. It 's not my fault that their center is not adequately staffed. Short story I canceled my account. Also I think the staffing is inadequate to help them charge fees and penalties.
Consumer complaint received 2016-01-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

Called XXXX different family members and told them they were taking me to court. Uses different numbers and different names when returning calls. Called original creditors and they indicate they sold disputed debt. They have threatened to sur, come to my work, put me in jail, and have told the same to XXXX different family members.
Consumer complaint received 2021-06-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (NC)

I have been trying to get in contact with Binance about the Binance.US exchange for 5 months now and I've lost over {$5000.00} because of them ignoring me. I have not been able to withdraw, exchange, purchase, send, or deposit anything. It's been 5 months with more than 9 attempts to contact them using their support service and I still have not received any response aside from an automatic confirmation that they received my complaint. The first time I contacted them about the issue I got an automatic reply giving me general answers on XX/XX/2021. They know I keep asking for help because now I'm getting messages saying my ticket was merged. It is XX/XX/XXXX now and still no response. My first request was XX/XX/XXXX, then XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX, and yesterday on XX/XX/XXXX. All this and not a single response aside from auto replies. At this point all I want is to get all of my assets and my money out of Binance then I will delete that account and I will never use them again. I will also recommend that no other Americans ever use this exchange.
Consumer complaint received 2017-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: WELLS FARGO & COMPANY (CO)

This all started with a rogue, {$30.00} charge on my account with wells fargo. I contacted the company who made the charge and told them I had closed my account. I had done this, but they told me there was another account with an expired credit card from 2 years ago. They recently used the visa account updater service to retrieve a new payment token from Visa and Wells Fargo. I have closed my account with the merchant and opted out of their renewal program. I contacted wells fargo to find out how to opt out of the visa updater service and no one there that I spoke with knows anything about this. The visa updater service is a 2 part process. Wellsfargo has to get my information, or a token, to visa who relays it to the requesting merchant. Wells fargo is telling me I can opt out with the merchant. The merchant is telling me I can ask to opt out of this from the bank. The bank is tellingme I can not opt out of it from them and that I have to try to do this with the merchant. Meanwhile if you XXXX search " vau opt out '' there are many discussions from small banks who are tyring to find out the best way to offer an opt out to their customers, and whether or not they have to notify them when a request comes in. This indicates that it is the bank ( the company that provided the debit/credit card a customer would contact to opt out of the VAU ( visa account updater service ). I want to be able to opt out of this as I see it as an invasion of my privacy when a bank would send payment information to a merchant on their request, not on mine. If I choose to not update a card at a merchant, I want it to be on me, not up to the bank.
Consumer complaint received 2019-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

EXPERIAN REFUSES TO UPDATE AND ACCEPT MY NAME CHANGE WHICH WAS LGALLY DONE SINCE XX/XX/2014! EVERY TIME AND I APPLY FOR BUSINESS CREDIT, ANY CREDITOR THAT USES THEM ALWAYS DENIES MY CREDIT AND ADDRESSES TO THE WRONG NAME THAT NO LONGER APPLIES TO THE SOCIAL SECURITY CARD! XXXX IS THE ONLY CREDIT REPORTER THAT HAS UPDATED MY LEGAL NAME CHANGE ... XXXX XXXX HAS NOT BUT AT LEAST USE MY EARNED TITLE OF XXXX ! THIS XXXX AND FRAUDULENT EXPERIAN WITH THEIR FALSE ADVERTISEMENT IS THE ONLY THUGS THAT REFUSES TO ADDRESS ME AS XXXX OR ACCEPT MY LEGAL NAME AS XXXX XXXX AND IT IS CONFUSING WHENEVER I TRY TO APPLY FOR CREDIT. I TRY TO USE ONLY COMPANIES THAT USE ONLY XXXX SINCE THEY WERE THE ONLY ONES WHO ACCEPTED MY LEGAL NAME CHANGED LIKE XXXX XXXX. BUT SOMETIMES I DON'T ALWAYS KNOW WHAT OTHER CREDITORS USE UNTIL AFTER I APPLIED.
Consumer complaint received 2017-02-11
Product: Credit card — 
Issue: Application processing delay — 
Company: AMERICAN EXPRESS COMPANY (TX)

I was pre-approved for an AMEX NextStep loan of {$5300.00}. Sent a link to digitally sign, which I did several times. Called their offshore call centers, was given different answers to the same questions about the disbursement procedures. 

Was told if it was n't signed before the deadline of XX/XX/2017 it would be cancelled and I 'd need to re-apply. 

Now it shows cancelled as if I did n't sign the document even though I was told that it was.
Consumer complaint received 2019-02-28
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. (CA)

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, TransUnion, and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX, and TransUnion only reporting me 30 days late twice. There was definitely an error on their part. I was never two times 30 days late.
Consumer complaint received 2019-02-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

On XX/XX/ 2018 I sent RASH & CURTIS a cease and desist letter.

RASH & CURTIS is still reporting COLLECTION ACTIVITY on this account and have not responded at all to my letters. Please see credit reports listing collection activity
Consumer complaint received 2017-05-28
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. (IN)

Equifax shows a address and name that is completely wrong.      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX .  <P/> I have never lived there at all! I suspect fraud.  <P/> They also show a name as  XXXX ?  <P/> That is not my name.  <P/>  XXXX  is correct. Why is my equifax score at  XXXX  and my  XXXX  score at  XXXX ?  <P/> How can there be that big of a difference?  <P/> My correct information is :    XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   Ind  XXXX   I have worked at  XXXX ,  XXXX   XXXX , and now I work at  XXXX    XXXX  the  XXXX   XXXX   XXXX  .   This is not that difficult, why ca n't these credit bureaus communicate and ensure that information is correct. I believe these credit bureaus have a responsibility to ensure that information is correct.   Please have Equifax remove this fraudulent information. Thank you  XXXX   XXXX   XXXX
Consumer complaint received 2017-07-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aspen National Financial, Inc. (PA)

Dear Whom this may concern I continue to try to work with this company but they continue to report incorrect information dispite letters, call and complaints. They also seem to change my balance by 1 $ XXXX every week by decreasing and increasing the balance to reflect activity on the account. I have contacted the company several times only sending back deeds not signed by me. I have only signed up for one timeshare in my life and that was in XXXX XXXX. I also sent police reports to show this debt was not mine. I 'm currently trying to buy a home for my family and this collection is really reflecting negatively on my ability to do so. I would like the company to delete this collection on all agencies.
Consumer complaint received 2017-03-16
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY (VA)

In XXXX/XXXX/XXXX I prepaid XXXX {$380.00} using my AMEX card. After I returned the car, XXXX charged my AMEX {$500.00}. I disputed the {$500.00} with AMEX and they reversed the charge, investigated and resolved the issue. Unknown to me, AMEX then disputed the {$380.00} but this amount was never credited back to my account. In XXXX XXXX, I received a letter and email from XXXX internal collections asking for the {$380.00}. I had multiple calls to AMEX about this issue and each time I was told I did not owe XXXX and they had been paid. XXXX collections presented me with a document stating they had not received the funds which I forwarded to AMEX. I heard nothing more and assumed it was resolved. On XXXX/XXXX/XXXX I received notification in the mail that my account had been sent to and outside collection agency for the {$380.00}. I called, explained the situation and was told that if AMEX provided written documentation that XXXX had been paid, they would stop the collection proceeding. I called AMEX and was told repeatedly that XXXX had been paid but everyone from initial phone rep, to supervisor, to supervisor of supervisor, refused to send me anything to confirm what they were telling me. They opened another dispute - even through I do n't dispute the charge and promised to expedite and call me back on a certain day and they did not keep the promise. I ca n't get anyone on the phone to help me - only promises and told I have to wait for the " investigation '' even through they investigated this same amount back in XXXX. I paid AMEX for the {$380.00} charge by XXXX but either AMEX did not pay XXXX or XXXX ca n't find the payment and I am being held responsible. No one at AMEX seems to be able to contact any one at XXXX. I have stellar credit history and do n't want anything to change this since it is not my fault. I need someone to intervene in this circle of corporate indifference and horrible customer service.
Consumer complaint received 2023-04-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains late payment reported on XX/XX/23 for my XXXX  account ending in XXXX. Id have an excellent repayment record. Ive had a spotless record of on-time payments. Im planning to apply for a mortgage, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment on XX/XX/23. Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX
Consumer complaint received 2020-06-20
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. (KY)

XXXX  XXXX is reporting twice on all three of my credit reports. I have since paid the card that i had off and it is a part of the problem with me getting my children into a home I need these derogatory marks removed from my credit report.
Consumer complaint received 2022-09-07
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: EQUIFAX, INC. (TX)

This is my countless endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXXXXXX, CA, XXXX XXXX, XXXX XXXX Balance : {$0.00} 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 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 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-28
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CNG FINANCIAL CORPORATION (CA)

I received a call from XXXX XXXX around XXXX XXXX, contacted them back to hear they are a 3rd party attempting to collect for XXXX XXXX XXXX. They stated I need to contact XXXX XXXX XXXX corporate office and speak to head person in legal. Contacted XXXX XXXX XXXX local office and corporate office they indicated they given my account to collection and sent to another company not XXXX XXXX. I contacted XXXX XXXX to verify who has my case as I was inform I might be dealing with fraud. Spoke with director of United about issue, he requested personal info I stated I will give any, he then began to call me stupid, and became irate. I informed him that I have already had issues with ID theft and have active investigations into that, gentleman called me a bum and hung. A few hours later I received I received call from same gentleman this time his personal phone number left voicemail stating, '' my case is being processed, and that I am a liar, and a psycho to not contact that office again as I did not follow the chain of title and not very smart.
Consumer complaint received 2016-10-04
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (WA)

I have been attempting to overpay my Navient student loans for three months in order to get out of debt faster. I requested that Navient return my payment to the regular monthly minimum because they incorrectly auto-debited the wrong amount from my bank account for the three months I requested my payments to be higher. During this time, each month a different Navient representative told me that my request was n't processed because a ) the representative did n't do it or b ) it would show up on my next billing cycle. Nothing ever changed. When I requested to go back to the regular minimum payments, Navient staff told me that because I had been making over the minimum payment, my over-payments were now my new minimum and that I could n't go back to paying my original monthly payment. I requested they provide me documentation on this policy ; they could not and still have n't. Now, after speaking to several representatives at Navient, I was able to get a figure for my old monthly payment and paid it, but the old overage payment is now showing up as a missed / late payment. Navient refuses to do anything about it other than read off a script or tell me I have no options but to pay.
Consumer complaint received 2015-03-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc. (TX)

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!
Consumer complaint received 2015-04-23
Product: Consumer Loan — Title loan
Issue: Payment to acct not credited — 
Company: U.S. BANCORP (WA)

I purchased an RV through US Bank. The payments of {$340.00} initiated on XX/XX/XXXX. Approximately XXXX weeks prior to the due date XXXX of each month I would go into the main US Bank XXXX XXXX XXXX XXXX XXXX WA and submit my check that also included an additional principle payment- from XXXX XXXX XXXX. On my check I would note that this payment was for Principle only. The last several months I started to receive my statements that would say I had a past due amount ( for {$200.00} ) ; thus adding it to my normal payment. I went in and they said they would fix it - but the following month there again was another past due amount of XXXX. I actually got a call last Friday the XXXX from a bank collector looking to have me submit the past due payment. 
Any borderline teller should be able to bring up my account and see that all along I 've been making my regular payment plus added principle. When I had this XXXX min conversation I was transferred to another employee ; who in speaking with them ask about a couple of statements that I received ( XX/XX/XXXX and XX/XX/XXXX ) that I had a XXXX amount due so I wrote {$400.00}. towards principle only and was told that those payments really did n't all go towards the principle that some went to future payments -paying interest. When I ask for a print out of all payments I made she told me I would be charged a fee for this. Really! I was told the situation was change and the past due was taken care of-when I went to the bank today it still had a past due of XXXX on my account. 
My main concern is if this is happening to me ( a senior citizen ) how many unsuspecting people world wide that do n't check their monthly statements are they doing this to. 
I had similar issues with my mortgage for several months. They were not applying my full principle payment to my principle but taking out and applying to my interest-as if I would give them free money. So over all, this has gone on for many months-despite my telling them that I will seek out further investigation. I got insulted when the folks that called me said it was the front line teller that was causing the problems. I know they go into their computer templates and place the payments in the appropriate boxs. I have most of my statements and my check register noting days of payments with check numbers and how much additional principle made. I 'm really tired of hearing I 'm sorry -I think/believe there should be an outside audit run on their procedures and if found at fault-upper management lose their jobs. This is very stressful for me- I work in a VERY High stress work field ( XXXX ) I really do n't need to constantly monitor and call attention to inappropriate bookkeeping from professionals. I believe XXXX financial got nipped for doing something like this. 
Thank you.
Consumer complaint received 2022-02-16
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: ADP Inc. (KY)

I initially had this card through my job, which I have since left.. the card was still active when I used it to receive some overpayment from SSI. This was in XXXX I left the money on the card for my son. So this year I was going through my CC and realized that the card in question had expired in XXXX of XXXX. I thought perhaps I had not updated my address with the company so I called and submitted a request to update my address. They would not let me update without providing identification. I obliged by providing my Drivers License, SS # and a current Student loan document with the date/address/and my full name. I received an email from the compliance dept stating they could not clearly see the documents. So I scanned and uploaded the documents again. I called and tried to explain the documents were in color and showed all 4 corners. So, I ended up sending/uploading these documents 3 more times and each time they refused to accept these documents. I called again and requested to close the account and to please issue a check so I can deposit the funds into my bank. I have not received any correspondence since. I receive a text from this card company stating the amount in the account but they claim they need the same documents but the documents must pass their compliance dept. This makes no sense to me considering all the documents were government-issued. They also sent a secured email claiming I wanted to reset my password which I did not make this request. I have encluded all emails.