davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-30
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: Receivables Performance Management, LLC (TX)

Receivables Performance in XXXX, WA has a " Collection/Chargeoff '' placed on my XXXX  credit report. This is my elderly Fathers account which I have settled for him. I sent proof to the collection company but they refuse to remove the chargeoff placed on my credit report. I have contacted XXXX but they will not remove it without Receivables Performance consent.
Consumer complaint received 2019-10-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE (FL)

We have a property in XXXX and sold some furniture for XXXX Euros which I placed in my XXXX bank account at the XXXX XXXX. We then made a wire transfer order with my XXXX bank to wire XXXX Euros to my U.S. bank, XXXX XXXX XXXX XXXX. The wire transfer was made on XX/XX/XXXX via the correspondent bank, The Bank of New York Mellon. 
As of today XX/XX/XXXX the money has not been deposited to our U.S. Bank. My XXXX  bank has confirmed that the money is with NYB Mellon. I have tried to speak with the Wire Transfers Investigation Department at NYB Mellon, but they refuse to speak with me ; they will only speak to either my U.S. or XXXX bank. 
Both my U.S. bank and XXXX bank have called NYB Mellon and they report back to me only vague answers that the money has been received at NYB Mellon, but give no reason for not sending it on to my U.S. Bank.
Consumer complaint received 2017-07-30
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC. (NY)

On XXXX XXXX, 2017 I made a payment to Navient for XXXX. I received a payment notification that all was fine, and that my first payment was successful. I then receive a letter 4 days ago saying that my payment was overdue. I just checked my account and they reversed my payment without notifying me, when there were ample funds to cover the payment. Worst of all, this was reported to the credit bureau and it absolutely tanked my credit.
Consumer complaint received 2017-07-30
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)

I have provided Experian and XXXX proof that the ( 2 ) bankruptcies that they continue to report against me are fraudulent. Experian and XXXX get their public record data from XXXX, and the letter that I am providing as proof that these bankruptcies are fraudulent is from XXXX their own public records vendor, yet they both continue to report this fraudulent information, and this is willful and malicious conduct, and this conduct is also actionable meaning that I can file a lawsuit against XXXX and Experian for their continued willful and malicious conduct and I intend to do so if they do not begin to immediately adhere to the FCRA, and discontinue to report information they know to be fraudulent. The attached letter confirms they are reporting information they know to be incorrect/inaccurate. XXXX and Experian need to immediately discontinue reporting both fraudulent bankruptcies. Which are as follows Chapter XXXX Case XXXX Chapter XXXX Case XXXX These bankruptcies are not mine and I have never filed a bankruptcy and I have never lived in the state of S.C. and I need Experian and XXXX to adhere to the law and immediately remove this fraudulent information from my credit files.
Consumer complaint received 2022-03-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc (FL)

Booked a trip through XXXX using Affirm, and due to hostilities and protests the rental was not safely accessible and I attempted to contact the XXXX XXXX  XXXX owner to cancel who further became combative. The trip was never taken due to XXXX XXXX and both XXXX and Affirm are not actively working to resolve as multiple calls and the case hasn't moved. There's no communication, and no resolution. {$980.00} for a rental that isn't reasonably accessible. I didn't cancel by choice or fault of mine, I want my refund processed.
Consumer complaint received 2019-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on XXXX, XXXX & XXXX of 2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-10-20
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ovation Financial Services, LLC (TX)

COMPANY : OVATION SERVICES LLC. XXXX XXXX XXXX, XXXX XXXX, FL PAYMENT ADDRESS : OVATION SERVICES LLC XXXX XXXX XXXX XXXX, TEXAS COMPLAINT : I KEEP GETTING LATE CHARGES AND OTHER CHARGES AND I NEVER GET CREDIT FOR MY FULL PAYMENT. THEY KEEP RECORDING LESS THAN WHAT MY PAYMENT IS. I HAVE ALREADY CALLED AND THEY FIX IT FOR ONE OR TWO MONTHS AND THEY GO BACK TO THE SAME OLD WAY OF POSTING OR CREDITING MY ACCTS.
Consumer complaint received 2021-04-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc. (NC)

I received multiple calls from people claiming to work for AmSher, from phone number XXXX. They requested sensitive information such as my address, DOB, and SSN because of a " problem with my account. '' My account does not exist. In attempting to probe them on this issue, they named off imaginary laws and became quite hostile towards me, before abruptly hanging up. I tried calling back a few times, and they immediately hang up after trying to find out what was going on.
Consumer complaint received 2017-11-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (NJ)

XXXX XXXX,2017 my daughter, a friend and myself were contacted by a " lawyer '' claiming that I was being sued for an overdraft fee from Wells Fargo. I had a bank account there over 9 years ago and I have never received anything regarding any outstanding fees. He threatened legal action if I did not pay immediately. It supposedly came up as XXXX County nj but came from a Texas phone number.
Consumer complaint received 2019-10-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LAKEVIEW LOAN SERVICING, LLC (NC)

I have two mortgages with lake view/XXXX XXXX they have misapplied payments to one of the loans causing the other loan to appear as delinquent. After several phone calls, and submitting a dispute they still reported negative information to the credit bureau. This has caused me to be declined credit, and a visit from someone to my home stating foreclosure is pending.
Consumer complaint received 2019-10-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FIRST NATIONAL BANK OF OMAHA (DC)

I have an account with the creditor. I was NEVER contacted to say my account was closed! They just closed it without my knowledge. I called to make a payment and then I was told it was closed. So I didn't pay anything. I had XXXX XXXX!! I called to tell them. How could i pay ANYTHING when im having XXXX. They could have been understanding!! What if this happened to them. Always try put yourself in the other person 's shoes to see how they feel. I have credit cards and NO ONE just closed my acct without me knowing! This was very unprofessional and not fair!! I need my acct open! I will pay it!! It just needs to be opened because I didnt not request for it to be closed! I had XXXX! Be fair to me who had to undergo XXXX! I'm not thinking about a bill on the XXXX XXXX! You have to understand that
Consumer complaint received 2017-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO. (CA)

Chase removed my online access to my credit card. They stated they did so because the card was closed some three years ago. I have an outstanding on time payment history with this card. My last online payment receipt is attached. I can not pay this card over the phone per Chase because it is closed. I do not get a paper statement I have the " paperless option ''. The only other possible way to pay I have now been told is to supposedly go to a Chase Bank. However, I am not always in locations that have a Chase bank, as I travel extensively.
Consumer complaint received 2019-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

On XXXX XXXX my auto lender with my account # XXXX XXXX XXXX XXXX has deleted the negatives on my account and place my account on " Current Status '' as of XXXX XXXX. 
XXXX XXXX XXXX Account Vice President Ms.XXXX XXXX has sent Experian, XXXX, XXXX and me a electronic email verification on placing my auto loan " Current '' status as of XXXX XXXX. 
Here is XXXX XXXX XXXX information ,XXXX  XXXX XXXX XXXX, XXXX, Utah.XXXX.XXXX  direct number XXXXand fax XXXX I am respectfully requesting a expedited updated credit scores and credit report as I am going through a VA Loan and purchase process with XXXX XXXX to purchase a new construction home with XXXX XXXX in Florida. 

I highly appreciate your support as I am XXXX Lifetime, Retired and a US XXXX Honorable Military Veteran. 
Thank You for your wonderful support for our US military Veterans and all Citizens in the Communities of America. 
Very Urgent Matters!
Consumer complaint received 2017-07-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (FL)

I was being proactive and reached out to the company, Synchrony Bank prior to my XXXX 2017 payment being due on my Care Credit account to advise them XX/XX/XXXX's payment was going to be late due to some financial issues but I assured them both XX/XX/XXXX and XX/XX/XXXX 's payment would be paid in full by XX/XX/XXXX 's due date of XX/XX/XXXX. They kept calling me several times a day after this conversation. I spoke with them again about a week later and explained the same thing. I continue to get several calls and voicemails per day. I finally got fed up with them harassing me all day on my cell phone while I am trying to work so I called them this evening on XX/XX/XXXX when I got off to set up a post dated check of {$180.00} for XX/XX/XXXX and XX/XX/XXXX payment plus the {$27.00} late charge they charged me, just as I promised I was going to do in the previous two conversations I had with them. They assured me after I post dated a payment with them out of my bank account the calls would stop. I set up that payment today when I called them back at XXXX ( per my phone log that I have included in the photos ). I received a confirmation # of XXXX. As you can see in my phone log I have attached in photos, they then proceeded to call me again 20 minutes later at XXXX. I called them back again at XXXX and advised them to stop harassing me and calling me that I just set up a post dated payment covering both payments and the late fee. I also told them that this has been the very first time we have ever been late on our account in approx 2 years and they needed to stop. In the past 2 days, they have called me 8 times and left me 3 voicemails ( see photos of phone logs ). This is harassing and excessive for the first time being late and not even being 30 days past due. This absolutely is ridiculous and needs to be addressed.
Consumer complaint received 2016-04-19
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One applied my {$100.00} XXXX 2016 payment for card ending XXXX to XXXX 2016 thus appearing as though I made XXXX payments for XXXX. This resulted in no payments being applied for XXXX 2016 and a late fee. Upon further inspection I noticed another late fee on both of my cards from the beginning of the year. My employer switched from bi-monthly to bi-weekly pay. I am requesting Capital One to reapply my {$100.00} payment from XXXX to XXXX 2016 as intended. I am requesting all late fees on both cards reversed. I am requesting lower APR 's as both cards currently have excessive rates. I am also requesting paper statements as I have not received any statements and therefore been unable to review my account.
Consumer complaint received 2022-09-09
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. (NC)

Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2018-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (PA)

I opened an account with Best Buy about 5 years ago and I have noticed another company stating that I owe Citi bank who I think is best buy {$1300.00} and I do n't know I do n't have any bills stating i owe this amount to them and also I never open any account with XXXX XXXX they are saying I opened an account with them as well as in the payment history its not complete its saying I have never made a payment to best buy and also that I am failing to pay them how is this accurate I can not pay money to a company I do n't know i do n't know what they are trying to do to me but I had to reach our for help I have tried other measures such as calling but I have not had any luck.
Consumer complaint received 2017-07-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP (TX)

Summitted payoff to a financial institution. The action was accepted than reversed. Asked the reasoning for their decision. Was told that they did not accept ACH payments, yet I have been making ACH payments to them the last three payments. Legal advice is going to be thought out because how can a financial institution say that it is ok to accept payments from one financial institution but not another. A financial institution can not be discriminatory in which financial institution it can or can not accept payments from.
Consumer complaint received 2022-11-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (NC)

my loan has been approved for home retention and I wish to move forward with the loan modification however Citizens Bank still has not sent me the final modification documents needed to finalize the modification. I was initially told by Citizens Bank loss mitigation dept that it could take 2 weeks to get the final modification documents generated from the initial approval. It has now been 6 weeks and the final modification documents still not have been generated. The approval letter from XX/XX/XXXX clearly states that In order to accept this offer, please send back the final modification documents, signed and notarized ( if applicable ) by XX/XX/XXXX, The letter also states that if I dont send the final modification documents my XX/XX/XXXX my modification will be null and void I am worried that by not getting the final modification documents sent to Citizens Bank by the deadline of XX/XX/XXXX, it will be used against me to null and void my modification as stated on the approval letter. North Carolina is a non-judicial foreclosure state so I can lose my home very quickly if the investor that owns my loan starts the foreclosure process. I WANT TO KEEP MY HOME!! Citizens Bank is not servicing my loan correctly by not sending me the final modification documents in a suitable time frame.
Consumer complaint received 2019-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have a step brother who's currently XXXX at the XXXX  XXXX XXXX, I went to their website XXXX in order to buy XXXX in commissary for my step brother. The XXXX uses a payment processor XXXX to process payments in order for me to purchase commissary for my step brother. I created an account (I did not have to agree to any "Terms of Use" before creating this account, nor was i made aware of any), selected my step brother from their list, put in my payment information and selected the amount of commissary i wanted to purchase. They informed me that i would be charged "A nonrefundable fee of XXXX or 10.0000% of the deposit amount, whichever is greater, will be charged.", which i agreed to. When i looked at my credit card statement, i was charged XXXX from Capital One for a "Cash Advance Fee". I called Capital One to dispute this, explaining to them that no Cash was taken out of an ATM nor was any Cash given to the XXXX, i was simply paying for commissary on my step brother behalf since no Cash is allowed inside XXXX. They refused to wave the fee and said that i will be paying a 26% DAILY Interest fee on this amount as well until it's paid in full. I believe this is an absolute defraud of my Civil Rights as an American Citizen.
Consumer complaint received 2024-03-14
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CO)

I am writing to file a formal complaint against American Express regarding multiple gift cards I received from my employer. The cards, issued by American Express, have proven to be entirely unusable, leading to significant financial inconvenience and frustration. 


Details of the complaint : Inaccessibility of Funds : Despite being marketed as widely accepted, these virtual American Express gift cards have been consistently declined across various platforms. I have attempted to use them for online purchases, in physical stores including restaurants and grocery stores, and even with digital payment services like XXXX XXXX, only to face rejection each time. 


Inadequate Customer Support : Upon contacting American Express customer service for assistance, I was met with a lack of resolution. Representatives were unable to provide guidance on where the cards could be used, and they offered no viable solutions to address the issue. Despite the company 's claims that these gift cards are accepted anywhere that takes American Express, the reality has been starkly different. 


Refund and Transfer Restrictions : American Express has failed to offer any meaningful resolution to this problem. They have refused to transfer the balances of the XXXX unusable cards or provide refunds. Moreover, the restrictions imposed on charging too close to the total card balance only exacerbate the problem, leaving me effectively unable to access my funds. 


False Advertising and Consumer Harm : The misleading advertising of these gift cards as universally accepted American Express cards has resulted in financial harm to consumers like myself. This system appears designed to exploit consumers, holding their legal tender hostage while offering no viable solutions. The lack of transparency and accountability in this matter is deeply concerning.
Consumer complaint received 2019-10-29
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 — Was not notified of investigation status or results
Company: ALLY FINANCIAL INC. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2019-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Mr. Cooper Group Inc. (MD)

We recently pulled our credit report and discovered that Nationstar is reporting sporadic late payments on our closed account for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

According to Nationstar 's Detail Transaction History for this account, a late fee in the amount of {$84.00} was assessed starting XX/XX/XXXX and for several months thereafter ( see attached ). The Date of First Delinquency ( DOFD ) is XX/XX/XXXX, which Nationstar admits.

According to the Fair Credit Reporting Act ( FCRA ), negative entries can only remain on the credit report for seven ( 7 ) years from the DOFD. Therefore, seven years from this date is XX/XX/XXXX, at which time all negative reporting must be deleted. As of this date, this negative reporting still remains on our credit report and Nationstar refuses to remove it.

This account was closed in XX/XX/XXXX, as it was refinanced with a new Nationstar account, which has never been late. We never had any late payments prior to or after this time period. We are requesting that Nationstar delete their inaccurate reporting on our credit report immediately.
Consumer complaint received 2017-07-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (FL)

I have a debt collection agency Listed on my credit report named Assetcare LLC, collecting on the behalf of XXXX XXXX. I 'm disputing this debt because Assetcare LLC is n't license in the state of Florida.
Consumer complaint received 2017-07-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (GA)

I had been having difficulties with XXXX XXXX and suddenly get a letter from Midland credit management saying I owe them almost 4 thousand dollars because of a XXXX credit card with a limit  of only XXXX dollars.