davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: AMERICAN EXPRESS COMPANY (GA)

On XX/XX/2021 American Express sent me an email telling me that I was approved for a XXXX XXXX  Card ending in XXXX. I then called American Express and asked that the card be canceled immediately. 

After a labor-intensive call which took time to get past the automated voice reception, then 3 successive service technicians, I was able to get the card canceled. I subsequently received an email confirming the card cancellation. 

However, 6 days later on the XXXX of XXXX, I received an email stating, Your new card ending in XXXX is on the way. I found this to be a problem because I had not reordered the card since I canceled it. I did not see why It was being resent. 
So, again I called the labor intensive American Express automated voice service and then to the technician progressive steps. This is an extremely frustrating experience for me because of the lack of compensation for the time it takes. I am an extremely busy man. 

I asked the service tech to again cancel card ending in XXXX. She said, it was already canceled. I then asked why am I receiving second email stating that the card is being sent. I then again requested that the card be canceled. The service tech said it needed to be forwarded to her fraud department. 

This is taking far too much time for me. I did not reorder the card. AME sends emails that are one way meaning, I am not able to reply to them as they say do not replay. Instead, what they demand is that I go online and log into an account and communicate at their server, then wait days for replies by visiting the online server again. This is not acceptable as it again laborious and time consuming. 

This is not a difficult issue. Cancel the card and do not resend it. Just that simple. 

Thank you.
Consumer complaint received 2022-08-15
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX Account # XXXX 30 days late in XX/XX/XXXX. 

XXXX XXXX Account # XXXX 30 days late in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2022-02-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Complete Credit Solutions, Inc. (DE)

On XX/XX/2021 Ive contacted Complete Credit Solution pertaining a fraudulent account on my Credit report for the amount of {$1000.00}. The company said they have responded to me via mail however I havent received anything. Also they have verified the wrong social security number on the phone. All calls for their company is being record please request a play back. To Verify my conversation.
Consumer complaint received 2016-06-09
Product: Credit card — 
Issue: Payoff process — 
Company: BBVA FINANCIAL CORPORATION (MO)

I made multiple payments ranging from {$2900.00} to {$4500.00} to BBVA bank using their online system and pulling from a XXXX XXXX XXXX checking account. At no time in the process did they say large payments may take 7-10 days to credit to my account and made no attempt to expedite the process. Instead, I just have a worthless piece of plastic with no available credit to use despite it showing up online on BBVA 's end and the money being withdrawn from XXXX XXXX XXXX 's end. This is ridiculous and intentional stalling on BBVA 's part during the XXXX bonus period they offer. They are systematically delaying their customer 's usage of the credit card during this time yet promoting this time as a way to garner more sign ups for their product. It is unethical.
Consumer complaint received 2021-02-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (KY)

This is long but explains everything This company isn't following the law ( National Credit Systems Inc ) I got illegally evicted from my apartments of 6 years in XXXX of XXXX I knew it was illegal because the management company that is now fired never put it through courts she typed it out and left it at my door and then tried to say " We can talk about it '' and even extended time for me. I moved out with a good reference from the assistance manager still have the letter that says I always paid rent on time and kept my place clean. I moved out of state and the manager who gave me a fake eviction tried to blackmail me for my sister 's address which when I told her I knew what she was doing she stopped all contact and was removed by the owners. Well 3 years later I check my credit report and I see a debt of {$140.00} from the apartment place I never knew about it no one tried to contact me via mail, phone or email. and Indiana tenant law they have 45 days to let me know of charges and what they are for and they didn't do it. So it got sent to National Credit Systems Inc. I called them but when I tried to tell them what happened everyone talked over me and hung up one lady saying " You're going to listen to me! '' No one actually spoke to me like a human until I told them I was recording on my end for my legal safety which I was transferred to customer service but once I told her I was recording as well the lady told me she was on the phone with someone else put me on hold and never came back it went to voicemail. They will not let me explain anything to dispute it or even ask if I can get a copy to see for myself. I'm on a list for an apartment in a safe area for my family and don't want this on my credit please help me. I even tried their website to look up my information and when I clicked to view it my file was blank like it didn't exist and their payment option is completely broken leaving clients no choice to be stuck with this on their file. Also if you look them up there are hundreds of complaints like mine of them doing people wrong. Not providing payment proof and refusing to send any letters about their supposed debt.
Consumer complaint received 2022-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank (TX)

This account was set for paperless billing ( Electronic Delivery of Statements ). 

The electronic statements on the First Page specify that there will be a notice on the front of the statement prior to the annual fee being charged. There was no " front '' on the electronic statement, and thus no notice for electronic statements. 

The letter attached was sent with proof of delivery to ensure that they would close the account in a timely manner. 

This account currently has a balance due of {$21.00} due to the {$29.00} Membership Fee Charged XX/XX/22.
Consumer complaint received 2018-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

today, XX/XX/XXXX I tried to call TransUnion because we noticed charges every month on our statements while doing our taxes. I called to find out what this was from. Apparently I signed up back in XX/XX/XXXX. I know for a fact I never agreed to any of these services as I would never pay for that. Also, they advertised their services as free or for {$1.00} I cant remember which. I just remember seeing something costing {$1.00} in the past. They also noted that I have never signed into the account or used the services, clearly proving i had no knowledge of the account. I asked for a refund and was told they do not do that by a very rude customer service rep who would not let me speak. I would like to get my money back for a service I did not agree to paying for.
Consumer complaint received 2016-03-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (TX)

Every couple of years I have to dispute the same lien. It was removed for inaccurately being reported in error by the state of Mississippi State Tax Revenue office. Due to upgrade of computer system which collected old business owners closed account information which put several people in a delinquent status. Which was incorrect. Since I had not lived in the state for 8 years the only way I found out was when my security clearance flagged my clearance. The lien was removed by Mississippi Tax office and lien was released. Two years later Equifax put the same lien back on my credit report cause me the same problem as if they can not look back in their records and discover it was removed. I never owed the State of Mississippi, I never had to pay for any lien and I feel that the credit bureau are pulling information from public records without regards to the circumstances. For the record, even if a lien was recorded in error by the State, and released due to their system error, they Will Not completely remove as if it never happened. They keep it for there records which is for their use which happens to be public record. It will not say to the credit agency the circumstances.
Consumer complaint received 2023-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-07-09
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)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX, XXXX XXXX {$500.00} XXXX   XXXX {$500.00} XXXX XXXX XXXX XXXX XXXX {$350.00}
Consumer complaint received 2016-03-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (NC)

Upon applying for a home loan, a credit inquiry was pulled from the credit bureaus. A debt amount of {$390.00} was reported by Enhanced Recovery Company as non-payment on a XXXX phone account. I disputed the debit as not belonging to me. 

I received a letter on XXXX XXXX, 2016 from ERC stating that they were going to have the debt removed from all bureaus. It was then removed from the credit reports on XXXX XXXX, 2016. It appeared to be resolved. 

The loan company then required that we all participate in a call where XXXX, myself, and ERC are all connected and ERC verbally confirms to XXXX that the debt has been resolved. 

On that call, ERC says that the debt is still owed and that they sent no such letter etc. This has caused the loan company to hold off on the loan until there is resolution. 

This is not my debt which ERC has acknowledged in writing. They are falsely trying to collect the {$390.00} knowing and acknowledging in writing that this is not my debt. Essentially, they believe that I am in between a rock and a hard place and can be forced to pay the debt or risk losing the house.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousnessXXXX 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 2015-05-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ONLINE Information Services, Inc. (NC)

We moved out of XXXX XXXX XXXX XXXX, XXXX XXXX Illinois on XX/XX/XXXX. The house was officially foreclosed by XXXX XXXX Bank on XXXX. XXXX illinois is trying to collect money from us in the amount of {$2700.00} for service date of XX/XX/XXXX and has reported us to equifax. We have made several attempts to get this charge removed from equifax but equifax refuses to verify the date of service from XXXX Illinois and will not remove this collection account from our credit report. We are hoping that you might be able to help us with this matter. XXXX illinois should not have waited 6 years to report this to XXXX ; furthermore, XXXX should be pursuing this collection from XXXX XXXX bank and not us. Thank-you for your time in looking into this matter!
Consumer complaint received 2024-02-22
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: EQUIFAX, INC. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 2016-03-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC (CA)

Stearns Lending, LLC, is charging us late fees for a payment which was cashed by them 12 days before it was due. Our payment was due XXXX XXXX, 2016 ; we mailed in a check at the end of XXXX and it was cashed by them on XXXX XXXX, 2016. They did not credit the payment until XXXX XXXX, 2016, 22 days after receipt. Stearns Lending then sent us delinquency notices. 
On Monday, XXXX XXXX, 2016, we contacted their customer service department and forwarded a copy of the cashed check to the email address they indicated. Their automated email response indicates they will get back to us within two business days. I called Wednesday, XXXX XXXX, and the phone call with the representative was cut off. I called again this morning, XXXX XXXX, and was informed that the late charges can not be removed from the account until it is reviewed by a supervisor, and this is scheduled to occur next Thursday. This is for the second payment on a 30 year mortgage.
Consumer complaint received 2020-10-16
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: Allied Collection Services, Inc. (Nevada) (GA)

On XX/XX/2020 I sent a certified letter to Allied Collection Serv Account No. : XXXX as well as the credit bureaus to validate the collection debt reflected on my reports. I asked them to provide the following items below for validation : An explanation of what this alleged account balance is for. 
A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
Documentation showing, I agreed to pay this debt The Agreement that grants authority to collect on this alleged debt. 
A copy of your state license, including license number. 

They have violated my consumer rights and failed to validate this debt at my request ; which is an FDCPA violation and they continued to report a disputed debt which is an FCRA violation. The FCRA requires the company and bureaus to verify the validity of this debt within 30 days. If the validity can not be confirmed, they are obligated by law to remove it from my credit file.
Consumer complaint received 2024-02-22
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: EQUIFAX, INC. (OH)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$25000.00}
Consumer complaint received 2024-02-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NV)

I am writing to formally dispute the inaccurate reporting of late accounts on my credit report, which violates compliance with the law. Upon Contacting the bank, I talked to someone within the company to confirm the documents had been received and they informed me that they never received documents from the CFPB. Despite numerous attempts to rectify the situation, the late accounts remain inaccurately reported. This not only undermines my creditworthiness but also violates consumer protection laws. 
XXXX XXXX XXXX
Consumer complaint received 2015-06-12
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: VIAMERICAS CORPORATION (OR)

Created an account with Viamericas to transfer money to a friend in XXXX. The account set up included personal bank account numbers to facilitate the transfer. Initially I was notified that the transaction was " successful '', but the recipient never received the funds. The company 's website later indicated the transaction was cancelled. Thankfully, my account was not debited. I made numerous attempts to contact the company 's customer service and have the account closed. Most of the time I was put on hold and then the line went dead. I received XXXX e-mail from XXXX XXXX XXXX ( XXXXXXXXXXXX ), Sr Fraud Risk ManagerViamericas Corporation, on XX/XX/XXXX, stating my request to close the account had been forwarded to their IT department. I have not received any further correspondence and the account appears to be still active. I am concerned about the potential for misuse of my account information.
Consumer complaint received 2016-10-27
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

I submitted Loan Workout to Bayview Loan Servicing , LLC and have not gotten a response or " Denial ''. Under HOBR i should at least receive a response or Denial which i am allowed one appeal.
Consumer complaint received 2015-06-08
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (MD)

I contacted my bank, PNC Bank, to inform them that my credit card had been over charged at a restaurant. The cost of my bill was {$10.00}. After paying my bill, I was informed by the manager that " I was overcharged a little '' but if I contacted by bank the next day they would resolve it. I was then given a receipt for {$10.00}. After checking my account the XXXX day, I noticed that I was charged {$1100.00} in addition to my {$10.00} bill. 

After filing a dispute with the bank the next day, I was informed that I would need to provide proof of my original {$10.00}. I explained that I lost the receipt from that night and was told to contact the restaurant for a duplicate receipt. After several conversations with the restaurant manager, I was told that he no longer had a copy of the receipt and would have to " get back to me. " After XXXX months of calling the manager, it was clear that he was not taking my request seriously. I contacted PNC Bank to inform them about the situation and ask them to help me by contacting the restaurant directly. XXXX XXXX, the woman handling my dispute, told me that they would try contacting the restaurant but if they could not get the proof they needed, I would be responsible for the charges. 

To date PNC bank, has done nothing to assist me in resolving the issue with this fraudulent charge and has deemed me responsible for the {$1100.00} charge. I have since spoken with the manager of the restaurant and he is still " checking on the matter. '' He also denies receiving any communication from PNC Bank. 

As a loyal customer of PNC Bank, I have entrusted my money to this bank believing that if anything misfortune occurred that they would do everything in their power to assist me in protecting my money. I never imagined that if a fraudulent charged ever occurred that I would have to become a private detective and investigate the matter on my own. PNC bank has neglected their responsibilities as a financial institution and should be held accountable.
Consumer complaint received 2016-06-07
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I asked that they not call me during my work hours of XXXX to XXXX the lady advised me that it 's all computer generated and they can not control what time they call me. She then asked me that in order to stop calls I make a pay ment arrangement which was fine however she told me I could not make an arrangement unless I gave her my credit card or bank info now and authorized her to run that payment on that day which I know is unacceptable. I advised the calls need to stop which could cause me to lose my job. I will file a law suit.
Consumer complaint received 2017-02-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc. (MI)

My mortgage lender sold my mortgage, at the same time the amount was adjusted to cover escrow. Somehow I missed the slight uptick in the amount ( {$47.00} ) so the mortgage company posted the money I did paid at " unapplied. '' I then saw the error, called the company, was given the run around and finally the clerk told me she could not give me the new mortgage amount until I submitted the {$47.00}. I mailed a check that day and still received a threatening letter. Given the sale of the mortgage, the new amount, and my call to the company I would have expected more courtesy. So apparently they get to " hold '' my payment as " unapplied '' - which seems grossly unfair. The company is Dovenmuehle Mortgage.