davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-23
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 (MD)

I am filing a new complaint to dispute the response that American Express recently provided to my CFPB complaint # XXXX, with their Ref : XXXX. 

In their correspondence dated XXXX XXXX, XXXX, they assert that they reviewed a call on XXXX XXXX, XXXX in which I was offered the pay over time feature, that the representative read me a disclosure and that I agreed to the enrollment. 

American Express has clearly changed their position, as stated in their response. In the two previous and lengthy calls that I had with them concerning this complaint, the representatives and the managers who I spoke with, after putting me on hold for long stretches at a time, were insistent to me that I had elected to enroll in this feature online, on the XXXX website. And that this was also the reason they could n't show me any further proof of this transaction. 

So they have now changed their story from what they had adamantly represented as taking place online. I do not want an apology for the 'misunderstanding ' as they referred to it -- what I want is the proof. If in fact they 'reviewed a call on XXXX XXXX, XXXX ', then clearly they have it on tape and I am requesting that this recording be played for me as evidence of their new claim. If in fact these calls are recorded for just this purpose, then it should not be an issue to review.
Consumer complaint received 2017-08-18
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. (VA)

i requested a re-investigation of the bankruptcy on my credit report and was told that it was verified through XXXX. XXXX only shows the last XXXX of a social security number. I also verified this through the bankruptcy court, in order to make sure that the information is ie : the correct full social security number, is to request a court order through the Bankruptcy court, which was not done, and that is where the error is. FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of reinvestigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available XXXX reporting agencies are required to conduct investigations of disputed items with the furnisher of information. The Bankruptcy Court should be the furnisher of information, not a third party source such as XXXX or XXXX XXXX
Consumer complaint received 2024-02-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (OH)

I sold my home and with the proceeds we paid off BOTH of our vehicles. XXXX XXXX sent XXXX checks for the payoff that was provided by Ally. Ally would not provide an over night per XXXX XXXX so they had to send the checks to a XXXX XXXX XXXX XX/XX/XXXX signed the addendum for the amounts provided for payoff by Ally with XXXX XXXX. 
XXXX XXXX sent XXXX checks XXXX for a XXXX XXXX and another for a XXXX XXXX. Dated XX/XX/year>. XXXX of the XXXX checks were cashed in the amount of XXXX and applied to the XXXX XXXX Which now states closed. 
XXXX my husband and I recognized a payment being deducted from our personal checking account in the amount of XXXX $ for the XXXX XXXX. Leading us to call XXXX XXXX. XXXX XXXX states Ally did not cash the check they just XXXX of the XXXX. XXXX cancelled the XX/XX/XXXX check and reapplied a new check with a new payoff provided by Ally in the amount of XXXX on XX/XX/year>. 
XXXX XXXX emailed me a copy of a cashed check by Ally on XX/XX/year>. 
As of today Ally is attempting to take a XXXX laymens out of my personal checking account. When calling the number provided by Ally for auto customer service and requesting to speak to higher up a senior analysis states, my account is open with the XXXX ram and no check has been received. 
XXXX XXXX provided me with images of XXXX cashed checks. 
XXXX XXXX furious with no conclusion and several thousands of dollars in spoken for for my account. XXXX XXXX states I need to speak to Ally. Ally tells me to speak to who wrote the check ( XXXX title ). 
I have stopped payment on the XXXX payment. Daily interest, a payment, a possible late fees all this can be accrued because someone is NOT DOING THEIR JOB. 
I have called XXXX a week to both companies to follow up and no information has changed other than attitudes.
Consumer complaint received 2016-08-24
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (GA)

Paid this XXXX for assistance to help with business credit and she never provided the service that was included in her invoice. She received my money and then stop responding to all calls, emails and text messages from me. I found out later that she is a fraud and uses fake ID and names so people will not find her. She also makes fake XXXX and a list of other fraudulent things. The number she uses is XXXX ; email addresses : XXXX & XXXX ; business address:XXXX , NV XXXX ; company name : XXXX or XXXX ; home address : XXXX , NV XXXX and Other names : XXXX .
Consumer complaint received 2017-10-23
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: BARCLAYS BANK DELAWARE (FL)

On XXXX XXXX 2017 my credit card was utilized for an excess of {$720.00} this amount could be a little off because of additional fees an so forth however I reported this to barclaycard As well to the police and they are still making me pay for it I have a police report in XXXX XXXX Ive spent countless hours going back and forth with my credit card and today they said they are not considering this fraud. Please help
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( 1 ) XXXX XXXX, ( 2 ) XXXX XXXX, ( 3 ) XXXX XXXX, ( 4 ) XXXX XXXX, ( 5 ) XXXX XXXX XXXX, ( 6 ) XXXX XXXX XXXX , ( 7 ) XXXX XXXX XXXX XXXX , ( 8 ) XXXX XXXX , ( 9 ) XXXX XXXX . 15 USC 1681Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( a ) ( 5 ) Section States, no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. Lastly, 15 USC 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate. I'm requesting that the accounts above be deleted immediately.
Consumer complaint received 2021-09-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

for the last 1 1/2 years the loan management company that bought my mortgage has been billing me money above the principle and interest saying it was for escrow for Property Tax and insurance. I already pay for all insurance that is required by Law thru my condo management company and every year They send Proof of That insurance to the loan management company, Well the loan company keeps sending me letters saying they are buying insurance anyway and they didn't get the fax and I can't get them to acknowledge I already have it and they Threaten to foreclose if I don't Pay. I even had the insurance provider call them to make sure they had it and she sent me a letter with the name of the person she talked to and they told her they had all the proof of insurance they needed, and then I got another letter saying they needed proof of insurance. It's like they are harassing me until I pay them,, Also I got a letter from the Tax dept. saying my taxes haven't been paid in 3 yrs and I had 4 days to pay them or the property was going up for auction, ,Needless to say I was shocked and Immediately had to go pay almost {$2000.00} worth of taxes at the Tax dept to stop action on my property. I called the Loan management company and asked them why they hadn't paid my taxes they said the tax dept. told them I didn't owe Taxes .I asked them where did my money go that they have been charging me for escrow they said they would do an escrow analysis .The escrow analysis said they need more money,, I Faxed them a letter formally asking them not to escrow my account and that I'm responsible for my own taxes and they weren't paying them anyway. and I wanted the money back for the escrow and Insurance for the last 1 1/2 yrs yrs that they didn't pay. That are trying to raise my escrow by twice as much as my taxes are and won't even talk about where the escrow money that they already have went.
Consumer complaint received 2017-07-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , DE XXXX ( XXXX ) XXXX The customer service line would not assist me in removing these hard inquiries.
Consumer complaint received 2021-11-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FirstPoint Collection Resources (VA)

I am XXXX XXXX and im submitting the complaint myself and there is no third party involve. Pursue to XXXX XXXX XXXX b i did not give permissible purpose to place anything on my consumer report without my acknowledgement. This debt has not been validated and the company assumed that this debt is owed. I had no acknowledgement of these accounts until I reviewed my credit report.
Consumer complaint received 2019-10-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NJ)

I have been trying to bring my mortgage out of forclosure and my account current since XXXX of this year. Each time I am told that a reinstatement letter with the total amount due must be generated. 
I specifically asked that the letter be e-mailed to me upon completion to expidite the payment process. Instead, the letter, which has a ten-day expiration ( why not 30 days? ), is not e-mailed, but held, and then sent through regular mail. Each time the reinstatement letter has arrived in my mailbox already expired. 
I feel that this is being done to prevent customers from making payments, which in turn generates fees for attorneys and causes customers to lose their homes to forclosure. 

This has happened with reinstatement letters sent with the following dates : XX/XX/19, expiration date XX/XX/19, XX/XX/19, expiration date XX/XX/19, XX/XX/19, expiration date XX/XX/19 XX/XX/19, expiration date XX/XX/19. 
I don't this is a coincidence.
Consumer complaint received 2017-08-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Weber & Olcese, PLC (MI)

Weber and Olcese has sued me without providing any information to me. The only notification I got was from the court saying I was being sued. The debt was owed to XXXX XXXX XXXX for a credit card I struggled to pay. The amount was over {$2500.00}. I immediately called them to talk to them and find out more about what was going on. I set up a payment plan and began to pay. I ran into a hardship and was unable to pay one month and they immediately went to the court to get an order to garnish my bank account, both checking and savings. They stole over {$2000.00} in my student loan money without notice. From what I 've read, that in itself is illegal, to take federal student loan money. They blamed the bank for the amount of money they took and said it was up to them. I checked this with the bank and they vehemently denied that and said that they were only doing what the court order said. They refused to release the funds back to me and continued on their business. I once again set up a payment plan. This time I had learned a lesson and was faithful to my payment plan. The agreement was to pay {$50.00} every month at the end of the month. I did so, yet after I made my second payment to them, they garnished my bank accounts once again. I was told that once I made an agreement to pay monthly installments, this would n't happen. Needless to say, I am beyond furious because this is the second time they have taken every penny from me and left me without rent money, jeopardizing my housing situation. I believe this is poor conduct and probably illegal. I called them after finding out about them draining my account and they would n't talk to me about why this has happened. They say there was no payment agreement in place but I explicitly remember having a conversation with XXXX XXXX. He failed to put that in place or to even make a notation on my account to indicate such an arrangement.
Consumer complaint received 2022-03-10
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2017-07-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Conn's, Inc. (TX)

Dear FCC or Consumer Financial Protection Agency, My name is XXXX XXXX, and I am XXXX years an XXXX XXXX veteran. Currently going through a divorce and after I moved out pending final divorce. In XXXX 2016 since I do n't have any furniture in the new apartment I decided to finance some furniture because of my horrible economic circumstance steaming from my student loans debts. I went conn 's a furniture outlet in XXXX Texas to get some cheap furniture after eight months sleeping on the floor while facing {$1000.00} child support for XXXX child without any justification a total judicial deviation from the state of Texas child support guidelines. I Financed furniture worth {$1600.00} including sales tax with a down payment of {$260.00} and a monthly payment of {$73.00}. I have no problem paying my monthly bills detail in my contract. Unfortunately, after I have paid {$950.00} in total, I was told that I have {$1300.00} balance. I ca n't put my head together, giving the fact that you are not giving billing statement let alone payment coupons. Going through with my frustration and after talking with their aggressive and unprofessional customer service representative and I decided to file this complaint, and I hope you can help me and thousand or million facing predatory lender like conns. I also discovered that among fees added are property insurance premium of {$190.00}, ( property warranty fees that were n't disclosed on my contract form that I signed. They also added {$100.00} prepaid finance charge called it Administrative costs. An interest rate of 33.29 %. The worst of all is that this percentage is computed on original amount financed. As you paid your monthly bills and even sometimes above the minimum amount due, the annual rate is not calculated on balance but the original amount financed. Please, I need your help here, and thousand in my situation will appreciate your assistance. Third, often time you call their payment service number ; ( XXXX ) that called are relay to XXXX, XXXX XXXX or XXXX XXXX. Thanks and I look forward to hearing from your honorable office. Thanks XXXX XXXX
Consumer complaint received 2016-08-22
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (IA)

I received a letter from Convergent ( which I assume is a debt collector ) they are trying to collect on someones XXXX Credit account, but its not mine. I do n't even have a XXXX account. The letter does not tell me much just that it 's a XXXX credit account.
Consumer complaint received 2017-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

A credit monitoring service reported to me accounts and inquiries that were n't mine in XXXX. I tried to access my free credit report from TransUnion on line but TransUnion did not accept the information I provided. I was able to order a report by phone using my social security number, but the report I received was in the name of a woman with the same first name as me and a social security number that matched 8 of the 9 social security digits. The address, phone numbers and birth date matched mine but the credit accounts included both hers and mine. I finally got the fraud department to check into separating the two files after my letter requesting it was ignored with the complaint they could n't read my driver 's license, which I believe is purposefully designed to not be copied and scanned. I requested a credit freeze but was told I could n't because of the commingled file. TransUnion put a security freeze on my file with my cell phone number for verification, but the freeze ended up on the other woman 's account with my phone number. I am still getting confirmations from XXXX in the other woman 's name at my address. I have received someone else 's credit report and social security number in the mail. Her credit report also listed her address and phone number in the file. This is third time this woman 's information has ended up in my file and it is worse this time because I am retired and cutting back on my debt while she is increasing hers. TransUnion uses social security numbers as identifiers but seems more interested in like numbers than exact numbers. TransUnion will not give me a free freeze and I do not know how to protect myself from losing my credit identity again.
Consumer complaint received 2024-02-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Consumer complaint received 2017-07-01
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (CA)

Used a Chase ATM to withdraw {$700.00} from debit card. Chase ATM did not dispense cash " This device has experienced a technical problem ''. However the money was withdrawn from my account. Chase branch was very unhelpful and told me to settle with my own bank, but my bank says Chase has my money! Chase continues to be unresponsive and unhelpful. Details of transaction below : XX/XX/17 XXXX XXXX XXXX # XXXX Card # XXXX XXXX XXXX XXXX XXXX , XXXX XXXX CA Term ID XXXX Sequence # XXXX
Consumer complaint received 2022-09-08
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. (GA)

The following information is being reported by XXXX XXXX, XXXX, Experian, and XXXX. 
As of XX/XX/XXXX, there has been no activity. Despite being charged off, this company continues to make bad faith and erroneous reporting of this account to lower my credit score every month. Latest reporting XX/XX/XXXX. In light of this malicious activity, I have been unable to obtain housing in accordance with the Fair Housing Act because of the hardship resulting from it.

I am looking for an immediate remedy and sanctions against this company and XXXX XXXX XXXX XXXX XXXX for violation of The Fair Credit Reporting Act 609/623/611. 

Account # : XXXX Account Type : Revolving Account Type - Detail : Credit Card XXXX Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$420.00} No. of Months ( terms ) : 0 0 0 High Credit : {$470.00} {$0.00} {$470.00} Credit Limit : {$300.00} {$300.00} {$0.00} Past Due : {$420.00} {$420.00} {$420.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Dispute resolved; reported by grantor Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-03-10
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. (NY)

This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 30 plus days of no response.
Consumer complaint received 2017-10-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kross, Lieberman & Stone, Inc. (NC)

Kross, Lieberman, and Stone continues to report an account in the amount of {$150.00} which was a result of identity theft. I have disputed this fraudulent account and have furnished the police report. This willful noncompliance is causing me damages and has negatively affected my credit score