davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION (MD)

Im writing because we are customers of Suntrust for over 18 years. We even referred a few people to you including our son! We currently have two mortgages with them and have been trying to refinance them both since XXXX. 
Weve sent our information a few different times, and each time we reach out theres a different reason the re-fis havent been completed.Its always us reaching out for an update and this week were told we need to send all our information again. 
This is unacceptable. The last time we called they said they were waiting for HELOC information. My husband had a conference call with them and the HELOC bank. Theyre now asking for our information a third time. This is unfair, and Im not sure why were being mistreated like this. Its a bait and switch and they keep us hanging out there while our insurance and escrows went unpaid and lapsed. We had to call and get those corrected too. I want them to schedule closing for these immediately.
Consumer complaint received 2017-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (CA)

A customer since XXXX, I received a letter from American Express, dated XXXX XXXX XXXX. The envelope stated, in bold : " IMPORTANT INFORMATION ABOUT THE THE PAYMENT OPTION YOU RECENTLY ADDED TO YOUR CARD ACCOUNT ''. I opened the envelope with concern, since I had NOT recently added any 'payment option ' to my card, and so feared someone had gained unauthorized access to my account. Moreover, I have always paid my American Express balance in full, every month. The letter stated, however, that I would pay a 19.24 % rate on 'Pay Over Time ' balances, as well as new 'Pay Over Time ' charges - this being the option AMEX falsely claimed I recently added - and that if I was not interested in this, I had to contact the number on the back of my Card by XXXX/XXXX/XXXX. I phoned the number and explained to an American Express representative that I did not ask to add any such option as they claimed. The representative disagreed and then launched into a sales pitch me on the 'benefits ' - that I could make large purchases for the holidays and then make payments over time ( at  19.24 % interest! ) This is an abusive sales tactic based on willful misrepresentation by American Express.
Consumer complaint received 2017-11-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

XXXX I Spoke With Guy With Portfolio About How To Get This Account Off My Credit. He Let Me Know If I Pay The Amount They Are Offering Then The Account Will Be Removed. XXXX Account Still Showing On My Report. XXXX I Sent A Letter To XXXX And XXXX. XXXX I Called Portfolio To Figure Out What 's Going On. Spoke To A Lady Phone Hung Up On Me. I Called Back Spoke To Other Lady, She Said She Could n't Help With Removing History. Then I Was Passed To The Manager, Pretty Much The Same Thing. Then The Phone Hung Up. 


I Paid The Debt
Consumer complaint received 2017-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (TN)

On XX/XX/XXXX XXXX XXXX XXXX resigned from the XXXX XXXX XXXX. This left only myself XXXX XXXX XXXX as the sole Board Member and President of the XXXX XXXX XXXX. The same week that XXXX XXXX submitted his resignation to the Board I went down to the US Bank XXXX XXXX and asked XXXX XXXX XXXX to remove XXXX XXXX from the Homeowners checking account and showed him a copy of XXXX XXXX 's e-mail he had sent to me resigning. XXXX XXXX XXXX said he could not unless I supplied other documentation. I told XXXX XXXX XXXX at that time if XXXX XXXX accessed the account I would hold him accountable. He later called me and told me that he had talked to a corporate lawyer about it. When I asked for the lawyers name and phone number he backtracked and stated he had just talked to the legal " office '' that he had n't talked to an attorney. I called XXXX XXXX XXXX 's manager XXXX XXXX XXXX to complain that it was n't ethical to say you talked to an attorney about my situation when you really had n't. XXXX XXXX agreed and so I did n't file a complaint at that time. However, later XXXX XXXX went to the XXXX US Bank Branch and verbally asked to be taken off of the account. For some reason XXXX XXXX was not taken off of the account. On or around XX/XX/XXXX XXXX XXXX called me to tell me that XXXX XXXX XXXX had went to an " outlying '' branch and withdrew all of the money out of the account and close the account. XXXX XXXX said he was sorry and sent me this link to file a complaint. I have taken all of the e-mails/correspondence to the XXXX Police and they have filed a police report on this issue. As the President of the XXXX XXXX XXXX I was left with debt to pay from the account as well as the XXXX XXXX having to go through legal issues due to this.
Consumer complaint received 2024-03-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (OH)

Mohela recently transition to a new platform. The platform was not a seamless transition. You had to recent a new username and password to get to your account. Then when you got to your new account you could not see any of your past payments. In fact, I think my loan information is incorrect because the loan is higher and I have been paying more than what is required, but Im unable to tell because non of previous payments are available for me to see. I tried to contact Mohela to resolve the issue and the wait times were over an hour. So I decided to do an email instead and the messaging system says that there is an error after repeated attempts to send a secure message/and email. This process has been very frustrating. There is also no option for me to pay down my principal rather than the interest. If I had an option, I would pay the principal down first before interest but the loan system wont let me do that. Which of course will generate more interest for me. My mortgage company allows me to do this and Im not sure why a student loan wouldnt do the same. It unfairly causes the loan to balloon on small amounts.
Consumer complaint received 2017-11-14
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. (FL)

A few months ago, I was placed into baker act into a local hospital in XXXX, Florida. XXXX hospital I was being treated involuntary for an XXXX XXXX in the XXXX  Unit. During this time someone had applied for a XXXX XXXX card in my name, and utilized it to make multiple transactions. XXXX XXXX is attempting to collect the account dues after receiving information that I had mailed over. I had certified a letter over to the company and fax over information relating to the fraud report. They had said they would look into it and never heard from them again. They keep reporting to credit bureau the account active and with a balance conditioning it as " late '' and " delinquent '' negatively affecting my credit score.  Around that time a company called, XXXX XXXX XXXX, also reported a credit card with a balance, I called them and report that the account was fraudulent. XXXX XXXX XXXX closed the account and sent a letter to me notifying that the account creation was unauthorized and the charges were not obligated. They removed the account from my credit report that had been shown as " late. '' Unfortunately XXXX XXXX has failed to do that.
Consumer complaint received 2017-10-25
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (TN)

On XXXX/17 I received an alert that a new collection was placed on my account. I called Midwest Recovery Systems. I informed them I never applied for a payday loan and I never received written notification of this debt from them. The customer service representative was rude and informed me that they did not have to give me written notification of anything. I have never done business with Midwest Recovery Systems. I do not have a signed contract with Midwest Recovery Systems. I have a right to demand that Midwest Recovery Systems furnish the signed contract between them and myself. This business did not give me written notice of the debt before placing it on my credit report with all three bureaus. Also this company is not licensed in the state of Tennessee. I would like this unfounded and unvalidated debt removed form my credit report. Per Tennessee Code TFDCPA 62-20-101 ( short title ) and 105 thru 127, Tenn Law emphatically states that " a collection service can not commence or conduct the business of collecting debts in Tenn without being so licensed and bonded as well as maintaining a " location manager '' who in turn is required to be licensed and bonded. in the State of Tennessee. UNLICENSED ACTIVITY IN THE STATE OF TENNESSEE POTENTIALLY SUBJECTS THE DEBT COLLECTOR TO CIVIL AND CRIMINAL PROSECUTION
Consumer complaint received 2017-07-09
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: EXPERT GLOBAL SOLUTIONS, INC. (TN)

An employee with   XXXX   XXXX   changed the last digit of my driver linsence. The check was from   XXXX   XXXX   in the amount of {$5000.00}. The last digit of my linsence is  XXXX  not  XXXX .   XXXX   XXXX   was able to get a packet to me. I 've mailed information out of the city, I have n't been a letter to receive mail. Until now, because there is a company name surrounding my name. I ca n't submit a change of address through The United States Postal Service. Due to theft of mail through the internet. It appears as though I 'm included in a group for the person/persons to get group discounts & senior citizens benefits. These are corrupt dangerous people. Please research the wage earner case number  XXXX . The courts shows I was  discharged   XXXX   XXXX .  XXXX  DBA   XXXX   XXXX   XXXX  was refinanced on  XXXX / XXXX / 2004 , while I was under   XXXX   XXXX  . The new loan is with  XXXX   XXXX .
Consumer complaint received 2017-11-14
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. (MT)

On XXXX, I received a letter from XXXX wherein they updated a delinquency for XXXX on my XXXX account to " current ''. XXXX indicated that they provided this information to the 3 major credit bureaus and that information should reflect as " current '' within 45 days. Today ( XXXX ) I pulled my credit report and that has not been updated.
Consumer complaint received 2017-11-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MN)

I.C. System Inc. is trying to collect the amount of {$320.00} dollars for services that I never receive from XXXX XXXX. I got in contact with XXXX XXXX on XXXX XXXX 2017 and they suggest me to email the XXXX XXXX XXXX in order to fix my problem. He never respond to my email or call me back ( Please see attachment with a copy of the email )
Consumer complaint received 2024-05-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (NC)

On XX/XX/year>, I slipped in XXXX on some water that was on the floor that did not have a caution sign placed by it. XXXX did cover my medical expenses but they sent money to the insurance company instead of the hospital to cover the bills. I did not learn of this until I saw the medical bills on my credit report. I contacted the insurance company and they said yes XXXX did pay but the insurance company sent it back to XXXX because it should have been sent to XXXX XXXX instead. I contacted the hospital and they said they never received the payment and it was sent to bill collector. I have tried numerous times to contact XXXX and left messages and no one has returned my calls. I refuse to pay this when XXXX is responsible. I want it off my credit report also.
Consumer complaint received 2019-10-28
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (NJ)

PLEASE READ IN ENTIRETY I previously filed a complaint for this company but they didnt read my complaint as they referenced the WRONG account. This is NOT about my one XXXX account!!! This is for TWO loans not one. Please see loans : Sallie Mae Smart Option Student Loan - XXXX ( $ XXXXmonth ) and Sallie Mae Smart Option Student Loan - XXXX ( $ XXXX/month ) NOT my XXXX  loan. The Sallie Mae loans total $ XXXX/month. I can only afford to pay {$75.00} for payment of BOTH loans each month or {$37.00} for each loan every month. I am not inquiring about my XXXX loan just my two Sallie Mae loans.
Consumer complaint received 2017-11-14
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. (MI)

I filed a complaint on XXXX/XXXX/XXXX against TransUnion credit bureau XXXX, For their refusal to block trade-line I have requested due to Identity Theft. I had forgotten to include a copy of the Affidavit form TransUnion implies is the only form they will accept. I want to make sure their is mounting evidence the form was filled out correctly and notarized. It was mailed back on Monday XXXX/XXXX/XXXX. Therefore TransUnion has 4 days to delete the fraud trade-line. I have forwarded all this information to the XXXX and members of XXXX. 
I would also like to place on the record that prior to my identity being stolen ; -I have NEVER missed a payment in over 25 years of having credit. 

I typically never carry a balance on my credit cards and my credit history backs this fact up. 
Therefore, for TransUnion to not recognize the clear deviation of my credit pattern over the last 25 years is more proof their investigation is reckless or no investigation was ever conducted. 
Further, it must be asked why TransUnion chooses to error on the side against the victim whereas, some harm can not be repaired. Whereas, the alternative if TransUnion had BLOCKED the requested information and then conducted a proper investigation as the law requires. Any information can always be re-added.
Consumer complaint received 2021-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I had two Capital one credit cards They were closed when two returned payments were realized by a mistake in the mobile app that defaulted to my other dormant capital one saving account that have never been used. This was a mistake by the design of the app by defaulting to my saving account and not my checking account, I am partly at fault for missing this default mistake XXXX XXXX XXXX XXXX opened in XXXX credit line XXXX closed as related card for a mistaken returned payment on the below card There has not been a return payment on this account in over two years and the account has been current for years and had a XXXX balance when closed XXXX XXXX XXXX XXXX opened in XXXX credit line XXXX Capital one closed both accounts because of a software app error on their part and also my mistake by missing the choice of my saving over checking accounts, In conversations with them they are unwilling to look at what transpired and said it relates to what is a long ago history dating back to XXXX thru XXXX when they where 55 returned payments in my struggle to stay current on my bills during an extended period of financial hardship.. 

There is no reason to close the account, both had XXXX balances and have been paid on time for years. 

If what happend is carefully looked at there was no fraud, it was a software mistake caused by Capital one and my negligence in noticing the software error. 

please have the accounts reopened please call with questions XXXX,
Consumer complaint received 2017-11-14
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)

For months, I have tried to plead my case with Transunion that I have inquiries on my credit report that I did n't authorize. Customer Service representatives refuse to help me and remove the negative inquiries reflecting on my credit report. I am a victim of the XXXX breach therefore, my personal information has been compromised. My credit is very important to me and the fact the Transunion is not willing to remove these inquiries and denying my right to dispute is negatively affecting my credit. I am constantly being told to contact the credit agency even after I let the Transunion representative know that I have done so and have been redirected to Transunion to remove these inquiries. Being a consumer this is very frustrating as I have made multiple disputes to the XXXX and CFPB. I have called numerous times as well and Transunion refuses to resolve this issue. The last representative I spoke with told me that I needed to wait 2 years for the inquiries to just fall off which is not an option for me. The inquiries that need to be removed are the following : XXXX XXXX XXXX/XXXX/XXXX ), XXXX 's TX ( XXXX/XXXX/XXXX ), XXXX B ( XXXX/XXXX/XXXX ), XXXX XXXX XXXX XXXX/XXXX/XXXX ), XXXX XXXX ( XXXX/XXXX/XXXX ), XXXX XXXXXXXX ( XXXX/XXXX/XXXX, XXXX/XXXX/XXXX ), and XXXX ( XXXX/XXXX/XXXX ). My next step would be to file a complaint with the XXXX and once again with the XXXX.I do n't need these items disputed, they should be removed and an updated copy reflecting those removals should be sent to my current mailing address.
Consumer complaint received 2017-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (CA)

A fraudulent purchase was made on my Wells Fargo credit card on XXXX for {$1200.00} for XXXX XXXX. I have since been in contact going back and forth with Wells Fargo disputing this charge. They have made little effort to resolve this issue. I took the initiative to contact XXXX XXXX directly. After many attempts to reach XXXX XXXX, a representative responded. She gave me the information that the charge was for a gift card, the email of the person, and phone number of the person who made this fraudulent charge. Not only is stealing this amount of money a felony, if they use it to cross state borders it could be a federal crime. The person who made the fraudulent charge had my credit card information ( this card has since been cancelled ) and has my home address information. I believe the person who made this fraudulent charge should be investigated and face criminal charges.
Consumer complaint received 2017-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (PA)

I signed up for the Citi XXXX Card in XXXX and the advertisement said there was a XXXX points sign up bonus after {$4000.00} spending within 3 months, with the condition that " Bonus XXXX XXXX are not available if you have had a XXXX XXXX, XXXX XXXX or Citi XXXX card opened or closed in the past 24 months '', as still posted on Citi 's  XXXX sign up website. 

I met the spending requirement in XXXX, and i never have a XXXX XXXX, XXXX or XXXX XXXX before. However, I never receive the XXXX bonus points, and upon my inquiry to customer service, they said I am not eligible because I closed a XXXX XXXX card in the past 24 months. I asked again where was the language about the XXXX XXXX card posted in the website or in the terms in I received in the card application, they replied that " The offer to receive bonus XXXX points is not eligible for any card products which previously earned XXXX points and were opened or closed within the past 24 months. ''
Consumer complaint received 2017-11-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: BMW Financial Services NA, LLC (CT)

A payment was scheduled on XX/XX/XXXX with XXXX at BMW Financial Services, at  that time she did not state there is a notice of default going out, the rep I spoke with yesterday on XX/XX/XXXX, XXXX, stated a notice was sent out but I have not received it. He stated it was sent around or after I scheduled payment with XXXX, XXXX further stated full past due amount is due on XX/XX/XXXX to avoid repossession according to notice. A payment in the amount of XXXX is scheduled for XX/XX/XXXX, this is the payment scheduled on XX/XX/XXXX with XXXX. I scheduled an additional payment with XXXX on XX/XX/XXXX in the amount of XXXX for a future date of XX/XX/XXXX. However, the notice which I have not received states full past due amount is due by XX/XX/XXXX to avoid repossession as stated by XXXX. The earliest date I can cover past due amount is XX/XX/XXXX, I wish to avoid repossession.
Consumer complaint received 2017-11-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

on XX/XX/2017 at XXXX I was contacted by an associate of " Portfolio Recovery ''. She asked if she was speaking to " XXXX XXXX '' and I corrected her to " XXXX. After this the associate advised of my debt and other personal account information without verifying I am who I say I am. There was no verification at all, no DOB, last 4 of ss or anything. Other people answer my phone and it is unlawful to speak about my account without verifying my identity prior. After the fact the associate read me the call recording disclosure, and if I was aware calls were to be recorded prior to the discussion of any account details I would have advised them to communicate with me via mail.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I am writing to dispute certain inaccurate information that is currently reported on my credit file. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), it is mandated that credit bureaus confirm the accuracy of the information they report within the legally allowed time range. The following accounts on my credit report are inaccurately reported, and I request an immediate investigation and correction of these items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX