davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-16
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (TX)

i called american express about some scam companies i paid for an at home business.they would only open up a few disputes for me .it really bothered me because services were not rendered.i know they can go back further than 60 days.the first charge happened on XX/XX/XXXX.for XXXXthe merchant was ie plexus.then i paid XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX how could they only help me with the last XXXX. american express declined to help me with the others.other people have told me amex has gone as far back as 2 years.ifeel i am being but off as a consumer.speaking about this in the same phone call they opened disputes for me all the way to XX/XX/XXXX.what am i supposed to think? on the third one the merchant was XXXX.they charged me XXXX on XX/XX/XXXX and they would not open it up.how can they open XXXX and not the other. the rules must be the same.i talked to a rep called XXXX who did not seem to responsive to my situation.amex is not treating me fairly .these companies have broken several laws, telemarketing and federal, yet there allowed to have a merchant account.
Consumer complaint received 2016-10-04
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CMRE Financial Services, Inc. (CA)

CMRE Financial Services , Inc. is trying to collect on a medical bill that I do not owe. They are not just reporting it to the CRA once, but twice. I have contacted this company by phone and in writing. On the phone, which I have a recorded copy of, a gentleman discovered that this is a single medical bill that is being reported twice. He said he will remove XXXX of them and that I still owe the amount. 

Since our conversation over a month ago, the duplicate item is still on my credit reports and is causing me damages. I have since sent them a letter pointing out that they have n't fixed an admitted known error of theirs on my credit report with no resolve. 

As far as the original debt, I have sent the original creditor a letter and will file a lawsuit with all involved once thirty days have passed.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My telephone number registered with the Capital One was hacked. THey allowed the hacker to change my phone number on my account. I cancelled that phone number and got a new one. Capital One verifies accounts by text. That disconnected phone number wasn't mine anymore so I couldn/t receive verification texts. I tried for months to change my phone number with Capital One with no success. They refused every attempt. Meanwhile I paid all my debt to them ALWAYS on time. I paid off all the cards I remembered. They put me through a rigorous fraud protection protocol not XXXX  not XXXX, not XXXX times, not XXXX times, but XXXX TIMES. They required me to send them copies of my XXXX driver 's license along with bank statements through their own secure links. I did that XXXX times over several months and waited and waited. Every time they said they did not receive the link response even though I received confirmations. This went on over and over. I finally realized their flawed system wasn't going to help me so I called and asked for all remaining balances and paid them off through live agent on their phone. Unfortunately unbeknownst to me the agent failed to include XXXX remaining small balance. That small balance stayed unpaid and since I did not have access to my account because they had locked me out for over a year they reported me as late. My XXXX XXXX dropped from high XXXX to low XXXX. I worked so hard to establish a good credit and all my balances have always been paid on time without exception. I spent more than {$300000.00} over a XXXX year period with XXXX XXXX credit cards and NEVER had a late payment. Capital One damaged my credit over a very small balance of less than {$200.00} because of their mistake, and due to their own outdated security protocols and absolutely user-unfriendly XXXX department who refused to help me change my phone number on their system. This was their error and they must be help accountable.
Consumer complaint received 2023-09-08
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. (WA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( 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. 15 U.S.C. 1681s-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 inaccurate.
Consumer complaint received 2016-11-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have XXXX student loans with the same isssue. ( XXXX ) Transunion reported a 90 day late payment on XX/XX/XXXX. ( this is not possible as payments for XX/XX/XXXX and XX/XX/XXXX reported as On time. This is an error on my report that is negatively affecting my credit worthiness.
Consumer complaint received 2015-06-12
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Account Management Resources (OK)

XXXX XXXX XXXX has submitted a debt in my name for the amount {$29.00}. It was received by me today, XXXX XXXX XXXX. I have been contacted previously and have each time told the people I have XXXX insurances, XXXX and XXXX and if needed, XXXX. Account number XXXX. Their failure to process the secondary insurance is not my debt. I want this cleared up as soon as possible. Provider information : XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX ... XXXX OK XXXX. XXXX. Turned into AMR, XXXX XXXX XXXX, XXXX OK ... XXXX.
Consumer complaint received 2022-02-14
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: Experian Information Solutions Inc. (NC)

I asked the company to send me the proof of the verification of these accounts how the were verified and the kept sending me letters of no proof of verification on there part
Consumer complaint received 2016-06-03
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: LEADER ONE FINANCIAL CORPORATION (CA)

I purchased a home in XXXX and moved out of it in XXXX. It has been a rental since XXXX. I have applied with 5 lenders for a refinance since XXXX. All mortgage lenders have confirmed value of house is {$200000.00} and payoff balance is {$78000.00}. I have been denied a loan five times because I do not have 6 months worth of monthly house payments in a seasoned bank account. I have been told there are " government guidelines which require the 6 months reserves ''. I was denied a modification by my current lender because they are a servicing company and because my payments are current, house is worth {$200000.00}, and has rental value of {$1400.00} and I receive $ XXXX monthly income from tenants who have lived in the house since XXXX. There was a " balloon '' payment due XXXX/XXXX/XXXX. 
My mortgage company has notified they will forebear any foreclosure as long as I continue making the house payments. 
Can you provide me the name, address and telephone number of the government agency who can verify if this guideline only applies to a new purchase and not to a home i purchased 39 years ago. Please provide me with all pertinent information as soon as possible.
Consumer complaint received 2016-07-14
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAVALRY INVESTMENTS, LLC (FL)

I have asked XXXX to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2019-02-26
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Fidelity Services, LLC (TN)

I was sent a letter stating I owed a debt to a company named XXXX XXXX XXXX on or about XX/XX/2019. On or about XX/XX/2019 I responded asking Midwest Fidelity Services to verify the debt as I did not believe I owed any company named XXXX XXXX XXXX. On or about XX/XX/2019 I received correspondence back with a print out of a non-signed contract with my name typed in the signature line. On or about XX/XX/2019 I responded back to Midwest Fidelity stating that what they provided does not prove the debt exists, is valid, or was taken out by me. That again, my name was typed in the signature line, not signed, that the company XXXX XXXX XXXX lists a XXXX XXXX XXXX address and is not licensed to make loans in Tennessee, and that the amount of the loan had an APR of 434 % which is illegal under Tennessee law. I asked that the company remove any negative listings on my credit report but I logged in to check my credit report and they are listed. I checked the Tennessee database if Midwest Fidelity Services is licenses to collect debt in Tennessee and the website lists their application as pending. As such, they are trying to collect I do not owe, they can not provide any signed contract, and the loan that was allegedly made was done so by a foreign company in the XXXX XXXX XXXX who is not licensed to make loans in Tennessee and charging an illegal interest rate. It is also questionable that the company is trying to collect a debt in a state where their application is pending so they are not yet fully licensed to be engaging in this practice in Tennessee.
Consumer complaint received 2017-02-10
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: CURO Intermediate Holdings (OR)

Rapid cash I did n't have money when the check came through, called and made a payment plan, the stupid company did n't cancel the check once I made my payment plan ; on that schedule day to make my arrangements payment, they stole my XXXX that we agreed that I would make arrangements on and they took the XXXX $ that I agreed to cause I bounce my check. called to try to get them to give my money back. It will get credit back when the check that did n't clear post well it posted and the XXXX $ posted and all this happen XX/XX/2017 and it 's the XX/XX/2017 and I still do n't have my money .. 
I hope the consequences of them breaching a contract is just as harsh as if I decided to steal the money the way they did
Consumer complaint received 2017-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AZ)

A state ta x lien ( GA ) has bee n paid and the lien cancelled. Confirmation has been both sent to Equifax by certified mail and scanned directly to them.     Copies of confirmation of tax lien payoff is attached.
Consumer complaint received 2022-10-02
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Bay Area Receivables, Inc (MD)

XXXX XXXX XXXX XXXX has sold my previous loan to a debt collector illegally but not only did they do that. They also filed a criminal lawsuit against me. I borrowered and paid a balance of XXXX. They sold the false debt and sued me for XXXX. Ive talked to the police about this situation because a warrant was issued for my arrest because they sued me. Please remove there fraudulent claims from my credit profile. I do not owe any one or them anything. Thank you
Consumer complaint received 2016-08-17
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Caliber Home Loans, Inc. (TX)

I have a mortgage with Caliber Home Loans ( Account XXXX ). This Bank and prior banks are changing from Bank to Bank my account. I would appreciate if you help me to send to XXXX Bank. In XXXX Bank I have my checking account and is easier for me to pay my loans. I want to consolidate all my loans here. 
I also need your help to review my account in this Bank ( Caliber Home Loans ) because they are charging escrow amount that I am not agreed. 
Thanks XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2017-02-03
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Bread Financial Holdings, Inc. (TN)

This issue involves a company called www.billmelater.com I was alerted last year that someone had taken out a line of credit in my name with billmelater in 2012 and had run up a bill of about {$400.00}. I was told to fax a FTC Affidavit to XXXX and I did that and I was given the name of a XXXX XXXX at XXXX XXXX to call but I have never been able to get her on the phone. I would like this issue resolved.
Consumer complaint received 2015-12-14
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Niagara Credit Solutions, Inc (MA)

Niagara credit solutions sent a wage verification form to my employer I called them to find out what was going on I asked for verification of dept as I think it was already paid and was told they do not have to verify anything and there will be no settlement with them if I keep asking so they want me to pay them XXXX and I have no proof I owe anything this is not on my credit report and from XXXX XXXX XXXX card taken out in 2002 I am trying to go over my paperwork to see if it was paid but they are now threatening to garnish my wages
Consumer complaint received 2019-02-26
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. (IL)

I am an XXXX American minority female that is currently being suppressed from achieving the American dream by Transunion. 

Recently, all of my rental history was added to give a complete accurate account of my credit assessment abilities. Transunion failed to re-score or do a comprehensive risk assessment of my credit history and now their action is obstructing my application for a home to gain the best rates.
Consumer complaint received 2019-02-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Social Finance, Inc. (CA)

I was promised a {$200.00} bonus for opening my 'SoFi Money ' account. I joined a waiting list and later was sent an email telling me my account was opened successfully. SoFi falsely advertised this promotion and conducted a bait-and-switch scheme, baited new customer and deny the promotion without notice.
Consumer complaint received 2016-06-09
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: COMMERCE BANK (KS)

I took a hardship withdrawal from my XXXX account and the funds were sent via ACH from XXXX XXXX XXXX to Commerce Bank. Commerce returned the check when funds were available causing an additional hardship as the monies were for repairs on our home and medical expenses. ACH received on XX/XX/XXXX, Check presented on XX/XX/XXXX and returned the check on XX/XX/XXXX. My wife returned early from being with our son in North Carolina and I returned early from a business meeting in XXXX as a result of this check for {$21000.00} being returned. 
A call was placed into Commerce on XX/XX/XXXX to the personal banker, no reply. No letters or information has been shared previously indicating that our account was subject to any set off, etc.
Consumer complaint received 2016-01-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Element Global Services (NY)

Element Global Services has continued to leave voicemail messages on my phone asking for a specific person. I am not that person. I advised them they had the wrong number. The next day, they left two new voicemail messages for the same person ( who is not me ).
Consumer complaint received 2015-05-20
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY (OK)

I had filed a dispute over @ charge someone else had made on my card. after filing the dispute the person pay me back so I did not follow through with it. about 10 days later the dispute wasn't denied which was fine. but then they closed my account and locked it this is on XX/XX/XXXX. I called and was told that I check will be cut the next day for the balance remaining in my account. I have called nearly every day since then and told told something different every day and I would like to know when I will get my money.
Consumer complaint received 2024-02-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo 7 days ago said they would have to order my funds to close my account! I have XXXX in my account I want to close it and draw my money out they said it would take two weeks! Now they are saying that I have to go to court! Please help me I can't pay for anything they have my money!
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

After checking an updated copy of my credit report, I have found an account that I do not recognize. I understand that before any account or information can be furnished to the credit bureaus ; all information and all accounts must be 100 % accurate, verifiable and properly validated. I am not disputing the existence of this dept, but I am denying that I am the responsible debtor. On XX/XX/XXXX i sent a letter to Capital One requesting for Validation of the account I did not recognize. I also requested physical documents with my signature or any legally binding instruments that can prove my connection to this erroneous entrie. On XX/XX/XXXX I received a letter from Capital One stating that they do not have my paper copy to send me because the account was created from phone or internet. On XX/XX/XXXX I sent a second letter to Capital One requesting Validation of said account I have submitted enough information for them to do a reasonable investigation. On XX/XX/XXXX I received a second letter from Capital One they then verified the account was created in XXXX. They then placed a disagreement code with a resolution to dispute. They failed to validate the account, also failed to prove to me i am the debtor.
Consumer complaint received 2016-06-13
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

On XXXX XXXX my wallet was stolen with my USAA and XXXX XXXX debit cards. In that wallet was my online credentials along with my pin. On XXXX XXXX I reported my wallet stolen because It was counterfeit checks deposited into both my separate bank accounts and money withdrew. XXXX XXXX investigated the situation on there end and found that I was not liable and my funds were returned. On the USAA side my luck has not been the same. I have been struggling for anybody on USAA to contact me on my investiagtion. Nobody can ever give me an answer. I have been on hold as long as two hours. Any contact that has been made has been because I made it. When the funds were withdrew I was left with a balance of ( XXXX ) that they are trying to make me pay. I refuse to pay balance, ESPECIALLY that I have not created, nor been told why I am being held responsible. Mind you this situation has been on going since XXXX XXXX.
Consumer complaint received 2020-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

My mortgage ( Loan # XXXX ) is on forbearance with the servicing company XXXX. XXXX sold the mortgage to XXXX.I was reported delinquent 30 to 60 days delinquent to all three credit bureaus on and around XX/XX/2020. I immediately contacted XXXX to request a correction to the credit bureau reporting. As of XX/XX/2020, it is still being reported delinquent and is affecting a job offer I have from a financial services firm. 

In addition to this, calls to various customer service phone numbers revealed that I had been billed late fees while on forbearance, changes I requested to my mailing address were incorrect, and four requests to process two {$700.00} payments to my mortgage. 

Below is a sampling of my communication with the XXXX customer service representatives and manager in recent weeks. 

Activity XX/XX/2020 Requested {$700.00} auto payment of {$700.00} withdrawn from my account. The agent informed me I had also been billed late fees during forbearance. I requested to have account escalated because of delinquent credit bureau reporting while on forbearance Agent ID XXXX Confirmation # XXXX Agent ID XXXX Webchat with XXXX-I requested with making a payment and the delinquent credit bureau reporting An email on XXXX to XXXX requesting correction to the delinquent credit bureau reporting. 

XX/XX/2020 Spoke with Agent ID XXXX and requested a payment of {$700.00} ( Confirmation # XXXX ) XX/XX/2020 XXXX, a manager in XXXX Call Center in Arizona called me from his cell phone in response to the request to speak with a manager earlier in the month. He informed me that I need to call the Loss Mitigation area and escalate it to a manager at XXXX. This is a number I dialed several times before and requested to speak to a manager. I had been repeatedly told no managers were available. 

XX/XX/2020 Spoke with Agent ID XXXX XXXX in Loss Mitigation who informed me no supervisor was available to speak to me and asked if it was XXXX fault that the account was reporting delinquent