davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (FL)

NOT THAT ANYONE ACTUALLY READS THESE COMPLAINTS, BUT AMERICAN EXPRESS HAS ALWAYS BEEN DIFFICULT TO DO BUSINESS WITH AND CONSIDERING THEY ARE NOTHING BUT TROUBLE TO DO BUSINESS WITH : CLOSE MY ACCOUNT AND STICK THE CARDS UP THEIR XXXX. 

THIS COMPANY SUCKS AND SHOULD BE ALLOWED TO TREAT CUSTOMERS IN THE NASTY WAY THEY DO AND THEN EXPECT PAYMENT FOR SAID NASTY SERVICE AND TREATMENT! 


When I was given credit by American Express my physical address was on my application & account. American Express CHANGED my physical address using the Postal Service National Change of address update system to my PO Box on their own. I was forced to obtain a PO Box when my mail was stolen from my home address. 

The USPS requires several ID verifications before granting a PO Box , so my ID was confirmed along with my physical address per the Patriot Act. 

American Express restricted my credit account even after I called them on XX/XX/19, when they assured me my account was ready to use and my card was valid for purchases. 

I then went shopping later that very day and was declined because American Express in fact lied to me and had restricted my account because THEY CHANGED MY PHYSICAL ADDRESS on my account to my PO Box thru their use of the USPS address updating service.

Even after calling them yet again, American Express refuse to fix the problem and refused to unlock my account which apparently had been locked for MONTHS.

American Express and their credit reporting service Experian should be investigated by the Dept of Justice, FTC, Federal banking commission, and state regulators for deceptive and unfair business practices, along with discrimination against military customers & veterans for their targeting military customers for use of APO & PO Boxes.

Additionally since American Express owns and operates one of the largest credit reporting services, they are very much aware of my physical address which they use often and should have fixed my account months ago, but elected NOT too.
Consumer complaint received 2016-12-21
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

Fifth Third Bank manipulated my account to obtain additional fees. They have violated banking practices by delayed posting of transactions resulting in a circle of misinformation and discrimination on the basis of account type. The bank advised me they process all transactions twice through overnight processing and systematically reject transactions to obtain ATM and overdraft fees on savings accounts which is not permitted and do not operate with the opt in or opt out policy for overdrafts as required by federal regulations. Upon notification to the bank I was advised their resolution was to coach their employees and continue operating under these practices despite knowledge this was against regulation. The reference ID I was given for this matter is XXXX and I spoke with XXXX and XXXX both supervisors in the department regarding these illegal practices.
Consumer complaint received 2021-11-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Aqua Finance, Inc. (TX)

I filed a complaint about this on XX/XX/21 because I have never gotten a monthly billing statement yet they continue to take money out of my account each month as the payment is due. My responsibility is to make the payment and I am but they arent doing their part by sending a statement. Their original reply to my complaint is that they have been sending statements and its not their fault if the mail causes me to not receive it. 

I just called them today ( XX/XX/21 ) because I still have no statement and spoke to XXXX. He told me that my statements werent toggled on to actually have one sent to me and that he fixed it. But they lied in their first response to my complaint and have violated the fair credit billing act.
Consumer complaint received 2019-06-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KY)

What the lady called on the phone I ask who this was she did not reply at first but then gave me her name but didn't give me the company and she work for I ask her again she just gave me the name she did not state that who she was calling on the behalf of what company until I get all my information out or confirm who I was this was very deceitful and I still did not know who I was confirming my information to it make me feel like I was giving my information to a scam artist or something I felt very uncomfortable doing the whole ordeal and I feel like I was being more pressure to pay this debt than ever so I just hung up I thought that when debt collectors call you that have to give you their name and the company name at the collecting for
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I received a copy of my credit report and found the following itemsto be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself.
Consumer complaint received 2020-08-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HOVG, LLC (AZ)

My husband started receiving Pre collections notices from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX, Az XXXX Telephone number XXXX. At the end of XXXX regarding a trip he supposedly was given in an ambulance on XX/XX/XXXX in XXXX XXXX, AZ XXXX # XXXX. We live in XXXX, AZ, He was not in XXXX XXXX since he has always work in XXXX, AZ. He contacted XXXX to notify them that it was not him. They told him not to worry, that they would take care of it. We continue getting the notices. I, his spouse called the XXXX on XX/XX/XXXX, the representative when it was time to verify the information XXXX His Social Security number ) stated that it was not the one they had in the system. I asked why were they still sending the bill to my husband if it was not him who was given the service just happen to have the same name but different socials. She stated not to worry about it and since the Socials didn't match it would not go on his Credit Report. Also that they would make a report on it and would call us once the issue was resolve. We stop receiving mail from XXXX. Shortly after that we began receiving notices from Bay Area Credit Service XXXX acct XXXX. My husband and I are trying to purchase a home, he was notify that his credit went down 60 points. After doing some research he found out it was because XXXX sent his account to collections, After we were told not to worry about it since his social did not match the account they had open, just happen to be he and the man who was given services have the same name. Now, on XX/XX/XXXX My husband after trying to fix this issue and us been told it was not going to his Credit Report, Called both parties again. XXXX XXXX XXXX XXXX told him that the only thing they can do is dispute this claim, but cant really do anything until the dispute is completed. XXXX told him that they are still reviewing the report from when I called on XX/XX/XXXX. My husband told him if his social didn't match the one in the account how come it went to his credit report. The supervisor didn't know what to tell him, just to wait until they review the issue. He also told them that when he called the first time he was told not to worry about it too. They stated they only had a record of me calling to resolve the issue and not him. Its been 6ms of them reviewing the incident.
Consumer complaint received 2018-06-29
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 — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (CA)

I was a victim of identity theft from the XXXX breach while I was employed by the FBI. I have submitted my FTC Identity theft affidavit, letter from XXXX verifying what personal information was compromised, proof of my identity and a copy of statute 605B to Synchrony Bank, XXXX XXXX, XXXX and all three credit bureaus. Four fraudulent accounts owned by Synchrony Bank ( XXXX, XXXX, XXXX XXXX and Care Credit ) showed up on my credit reports as collection accounts. Synchrony Bank charged off/sold all of these accounts to XXXX XXXX. I sent the attached letters asking for verification of this debt to include a contract bearing my signature to Synchrony and XXXX and I either received nothing or I was sent a billing statement with an address that I have never lived. I submitted documents regarding my identity theft to the credit bureaus and to XXXX XXXX since they now owned the debt. XXXX XXXX immediately deleted the accounts from all credit reports but Synchrony Bank ( who no longer owns this debt ) is refusing to delete the charge offs from my credit and is continuing to claim that the debt is verified and my identity theft investigation is complete.
Consumer complaint received 2022-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

The following inaccurate personal information is being reported by the credit reporting agencies and violating my rights in accordance with the Fair Credit act : 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 FL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Dept of VA Department of VA XXXX VA
Consumer complaint received 2021-03-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (MT)

RE : XXXX Account Number Ending XXXX XXXX : Settlement Letter to Comenity to Pay in Full Account Ending XXXX XXXX : Settlement Letter Received by Comenity Bank XXXX : Comenity Bank Cashed {$290.00} Check as Stated Paid in Full per Settlement Letter XXXX : Cease and Desist Letter due to Comenity Placing Repeated Calls to Work Phone XXXX : Comenity Bank Still Report on my Credit Bureau and Still Repeated Calls to Work Phone
Consumer complaint received 2021-03-02
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Auto Loan XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX '' Please contact the company directly to verify that they have your correct address. Once the new information is reported to Experian, you will be able to submit your dispute online. For further questions you may contact us at XXXX. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX ( XXXX ) XXXX Auto Loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never lived there FCRA violations
Consumer complaint received 2018-06-29
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. (TX)

XXXX XXXX have been reporting late payments on my credit reports. They transferred my account to a Third party collection agency in XX/XX/2018 and they are still reporting my acct late while the collection agency has possession of the account.The collection agency stated that XXXX XXXX is reporting not them, but when ask XXXX XXXX tell me my account is no longer with them and XX/XX/XXXX XXXX has it. So if that's the case why is XXXX XXXX reporting late payments to the bureau and I have paid my balance with XXXX XXXX.
Consumer complaint received 2018-06-28
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. (CA)

I mailed out a letter to Experian on XX/XX/XXXX and XX/XX/XXXX. I was asking for validation of several items, as they have come back valid in my initial letter XX/XX/XXXX. This is a copy of the 2nd letter I sent, asking for PROOF of Experian 's verification via Metro2 Compliance.

Name of Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

On XX/XX/XXXX I was served a court judgment for a wage garnishment from a debt collection agency called CACH , LLC who obtained counsel. The original debt owed to XXXX  XXXX XXXX apparently, in the approximate amount of {$960.00}, dating back to XXXX. The court order now reads the amount owed to be {$3000.00}, plus various arbitrary fees and interest. To my recollection, I have never owed any figure to that bank. So this all is very unsettling and confusing to me. I believe these charges to be in error, at least, and quite possibly gross fraud otherwise. I have recently begun to rebuild my credit, and this false charge and suit will be damaging beyond repair. I am newly unemployed, unfortunately. It is my understanding that such orders and attempts to collect may be well beyond the statute of limitations according to California law. Please help!
Consumer complaint received 2020-07-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (IL)

I checked my credit report and out of no where a derogatory remark was from Transworld System I. This was debt apparently owed from an old apartment complex 6 years ago or more. I contacted the debt collection agency and the agency was unable to provide anything specific and did not have any of my personal information on file other than what was reported to them. I contacted this company in XXXX 2020 requested the original debt owners provide documentation to confirm the debt. Since I have called four times, faxed in a 609 and I still dont have anything! I just called them today XX/XX/2020 at XXXX XXXX  and they wouldnt give me any specific time I would receive a notice. I was not notified by the original debtor. I am also trying to buy a house. This is a terrible inconvenience and all my attempts to have my legal needs meet has failed. This company does not seem legit either. Nothing online. Just there.
Consumer complaint received 2021-11-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX and XXXX Credit Bureaus are reporting inaccurate information on PENN CREDIT CORPORATIO XXXX Balance {$450.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-03-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC (FL)

I had an account with XXXX  XXXX with an unpaid utility bill. 

XXXX XXXX sent this account to Sunrise Credit Service on XX/XX/XXXX. 

XXXX  XXXX then sent this debt to XXXX XXXX XXXX on XX/XX/XXXX. 

XXXX shows it opened on XX/XX/XXXX. 

XXXX  XXXX sent Sunrise Credit Services a letter on XX/XX/XXXX. XXXX failed to notify the credit reporting agencies that they no longer had the account and this has detrimentally impacted my credit for the past 15 months.
Consumer complaint received 2020-08-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings (OH)

I have had a number messaging me and threatening to have me arrested for not making a payment through XXXX XXXX or through an XXXX card payment I cant get them to give tell how to pay this o er time with my debit card
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (VA)

In response to the XXXX security breach, I attempted to place a freeze on my credit report with Experian and XXXX and got messages from both that it would cost me {$10.00} to do so because I live in Virginia. This is XXXX. XXXX did n't charged me to place a freeze on my credit. Furthermore, this whole mess is XXXX XXXX fault. XXXX is the one that allowed this breach to occur and it should pay for all consumers to protect themselves and any losses they incur as a result. I should not have to pay Experian 's or XXXX XXXX {$10.00} charge and I wo n't. So, if my credit is stolen as a result of my inability to place a freeze on my credit I will be suing both Experian and XXXX along with XXXX.
Consumer complaint received 2021-11-03
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CREDIT WORLD SERVICES, INC. (KS)

On XX/XX/2021 I spoke with a " XXXX '' who was just rude and refused to let me talk numerous amount of times. I had to hang up with XXXX who was " assigned '' my case and called back and got another gentleman. The man tried telling me " I had no credit experience in the creditor world '' because I told him an itemization letter was not validation of debt... He began talking about lawyers and how his company takes people to court and he knows the letter will work then. He insinuated I had no assets for them to come after and so on. I asked were these threats and he continuiously stated no, I said so you're using scare tactics. The conversation escalated and he was supposed to give me a supervisor in which he left me on hold for a long time and I hung up.
Consumer complaint received 2023-07-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Union Home Mortgage Corp (MI)

I have contacted Union Home Mortgage multiple times since they purchased my mortgage from XXXXXXXX XXXX UHM is holding the payments which I have made in suspension. The payments are not being applied to my mortgage. I have had my mortgage for 8 years with no issues. I have asked to them to correct the issue and the claim will but I have not. They claim the issue is caused my having filed bankruptcy in 2020. This is a lie, XXXX never had this issue. I told them what I know to be fact and that it is the mortgage software they are using " XXXX XXXX '' causing the payments to be placed in suspension. The software must be reprogramed. I worked on this same issue in the financial institution I used to work for.
Consumer complaint received 2018-02-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (IL)

My vehicle loan, with Ally Bank was paid up XX/XX/XXXX. Calling for title is the only way you supposedly can get it.XX/XX/XXXX-XXXX XXXX, called, punched buttons - title promised 8-10 days ; end of 8-10 days - no title! XX/XX/XXXX -  XXXX XXXX-called again, punched buttons, title promised 8-10 days. End of 10 days, no title. XX/XX/XXXX-called again, punched buttons requesting title - end of time frame - no title.
Consumer complaint received 2016-07-15
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (MD)

I was excited to become a member of Citi XXXX Signature with a Costco Anywhere XXXX ( R ) card. I am happy to take part in the higher cash-back for gasoline from the old Costco credit card. The card started on XXXX XXXX, 2016 and I set-up my account online on XXXX XXXX, 2016. That is when I entered my bank account number for the auto-pay. I am also appreciative of the very nice letter that was sent to me returning my late payment fee. 
The problem that occurred is that the auto-pay sign-up did not occur properly. The next problem is that I never received a paper statement. The first paper statement I received was XXXX XXXX, 2016. The company called the first payment late after 17 day of me becoming a member after the XXXX XXXX, 2016 start date. The first bill was due without a statement being mailed. I was waiting for this statement to find due dates. 
Now that the auto-pay is set up probably ( Confirmation # : XXXX, XXXX ), the first auto-pay will occur only after the XXXX XXXX, 2016 was missed ( " Your first AutoPay payment will be made on : XXXX '' ). I have since changed the auto-pay date to be three days ahead of the due date ( Confirmation # : XXXX ). I am being charge interest for what I have already charged and will be charged interest for the next two billing cycles. With this policy, I will have to pay every week to keep the interest down. My account is now up to date ( paid on XXXX XXXX, 2016 the past due amount ) and I just made an early payment ( Payment Confirmation : XXXX ) to meet the XXXX XXXX, 2016 payment and keep the interest down.
Consumer complaint received 2015-06-16
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Capital Accounts, LLC (NY)

I received a call from XXXX saying I owe money on a bail bond. I told him I have n't taken out any bail bonds. He gave me an address ( it was wrong ). He then asked me for my birthdate. I said I would n't provide. He made some snide comment about sending me a birthday card and then told me I 'm not cooperating and hung up. I 've tried to call back but no XXXX answers. I do n't know if this was scam or not, and I ca n't get anymore information since they wo n't pick up the phone.
Consumer complaint received 2016-08-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Collections U.S.A., L.L.C. (PA)

I found out that National Hospital Collections had reported information to my credit file when they told me if it was paid then it would not go on my file. I was XXXX at the time and was on workers compensation. I had borrowed the money to protect my credit and believed them when they told me I would not receive a mark on my credit file.