davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERICAN EXPRESS COMPANY (TN)

I was charged, in error, {$87.00} by XXXX as a first payment in a recurring billing agreement on XX/XX/2020. I discontinued the recurring billing plan and disputed the charge with XXXX, but still have not been credited with the {$87.00} on my XXXX bill. They have not charged my card again, but AMEX won't let me dispute the charge unless they are allowed to deactivate my card and issue a new one. I currently don't have a safe place to receive mail, nor can I afford to go 10 days without a valid card. I requested that they open the dispute without  changing my card as I haven't been charged again by XXXX and they refused.
Consumer complaint received 2020-09-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (FL)

Fay Servicing purchased a mortgage we had on a home and is now the Loan Servicing Agent / Entity for our property at XXXX XXXX XXXX XXXX ( Loan # XXXX ). Our outstanding mortgage balance with Fay is currently about {$73000.00}.

We received a letter from Fay suggesting that we need to increase our Flood Insurance, and that if we did not do this, Fay would purchase flood insurance on our behalf - we needed to do this within  45 days ( the letter was dated XX/XX/XXXX, however we did not receive it until XX/XX/XXXX ). Again, our mortgage balance with Fay is ~ {$73000.00} and we currently carry flood insurance in the amount of {$130000.00} - well in excess of Fay 's liability. 

We wrote a letter to our account rep on XX/XX/XXXX requesting that Fay dismiss the request to increase our insurance because Fay is completely covered for any loss. Our account rep did not respond at all to that letter and still has not responded to us. 

We escalated this to XXXX XXXX, XXXX XXXX with Fay on XX/XX/XXXX. Ms XXXX advised she would get it to the insurance department right away. I called Ms XXXX again on XX/XX/XXXX and XX/XX/XXXX as we had not heard anything back. Both times our call went to voice mail and we left our name, contact info and repeated the request to call us back with a response to our insurance. Ms XXXX did not call us back. 

We wrote Ms XXXX again on XXXX - and received a very brief written response that our issue was " escalated '' was " in process ''. 

We heard nothing more for the balance of the week. We wrote Ms. XXXX again on XXXX and noted that it had been : XXXX 36 days since the date on the initial letter, * the initial letter specified a window of 45 days XXXX it had been 20 days since our first letter to Fay and that no response to our issue had been provided. We asked Ms XXXX to confirm that Fay would NOT purchase additional insurance on our behalf until this matter was resolved, and to provide us with expectations on when this issue would be resolved.

We received no response from Ms XXXX to our letter dated XXXX. 

It is now XX/XX/XXXX - 25 days since we first wrote to Fay regarding this issue, and we have no response to a very simple question.

We have since received a second letter from Fay reminding us that our time is almost up to purchase additional insurance.
Consumer complaint received 2020-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Purchased a new XXXX XXXX XXXX fully loaded, valued at {$33000.00}. However, this vehicle was stolen from our XXXX property on XX/XX/XXXX of XXXX sometime after XXXX. The next morning at XXXX, we realized it was gone. The police were called immediately and an incident report was made. My car insurance and GAP insurance paid it off, which is why we did not make a payment. We are now on XX/XX/XXXX and this incident is still affecting my credit negatively. 

I would like my credit to be free from this negative incident, which already was taken care of by XXXX XXXX and GAP insurance. The credit bureaus should process this matter accordingly in order to remove this negative impact. 

The reason the payment were not made is for the fact that the car insurance and gap insurance was covering the total loss and paying the finance company in full. This should have never reflected as 30 days late payments in XXXX and in XXXX of XXXX.
Consumer complaint received 2018-07-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (CA)

XXXX XXXX has consistently harrassed me when my payment is one day past due my payments are {$53000.00} per month, If the payment is one day late they will e-mail me and say that I am two payments past due. I wrote the CFO in XXXX about on several occasions to no avail. I am old school ( XXXX years old ) and have purchased many cars there has always been a ten day grace  period from the due date. 

My account number isXXXX Please help XXXX XXXX
Consumer complaint received 2018-07-11
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: PENTAGON FEDERAL CREDIT UNION (KY)

I applied for a car refinance I noticed multiple credit Inquiries on my XXXX   report all in the same day I only applied for 1 loan not 4. I want 3 inquires removed from XXXX report please XXXX Don't remove inquires. 

1 inquiry PENTAGON FCU Inquiry : XXXX. XXXX, 2018 Credit Unions 2 inquires ( XXXX ) XXXX PENTAGON FCU Inquiry : XXXX. XXXX, 2018 Credit Unions 3 inquires ( XXXX ) XXXX PENTAGON FEDERAL CRE Inquiry : XXXX. XXXX, 2018 Credit Unions ( XXXX ) XXXX 4 inquires XXXX ) XXXX PENTAGON FEDERAL CRE Inquiry : XXXX. XXXX, 2018 Credit Unions ( XXXX ) XXXX All in the same day. XXXX
Consumer complaint received 2018-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

We started using XXXX XXXX XXXX in XX/XX/XXXX. This Account was on both my husbands credit report and my credit report. It has been taken off my husbands credit report but is still on my credit report. As of today XX/XX/XXXX it's still on my credit report. When XXXX XXXX sent them letters they responded Dispute Resolved / Consumer Disagrees. The company we are disputing is XXXX XXXX XXXX XXXX, the Account is up to date. We have been making the required payment of {$20.00} a month per XXXX request and have not missed a payment. So why is this still on my credit report and has been taken off my husbands credit report? My name is XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

THIS ACCOUNT FROM XXXX ACC # XXXX, IS REPORTING ONE LATE FROM XX/XX/XXXX OF XX/XX/XXXX TO THE CREDIT BUREAUS WHICH I BELIEVE THAT NEVER HAPPENED, IT MUST HAVE BEEN A BANKING ERROR, PLEASE HELP ME TO RESOLVE THIS SINCE THEY ARE NOT WILLING TO REMOVE THIS ALTHOUGH I HAVE PROVIDED THE CREDITORS APPROVAL LETTER TO THEM FOR APPROVAL TO REMOVE THE LATE PAYMENT INACCURACY. 
PLEASE FIND ATTACHED THE CREDITORS LETTER THANK YOU
Consumer complaint received 2021-08-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (TX)

AmSher Collection Services has furnished an inaccurate on my credit report and never contacted or provided me with any proof that I lawfully owe this alleged debt. I am imploring the CFPB to hold them accountable to delete this account because they never validated or verified this alleged debt in accordance with federal laws. I have attached my cease-and-desist letter which I sent them below. They received it on XX/XX/2021 and pursuant to federal law upon receipt this letter has immediate effect. AmSher Collection Services is therefore illegally communicating and sharing information about this alleged account with several credit reporting agencies. They do not have my consent to do this anymore and may not contact me directly ever as my cease-and-desist letter clarify.
Consumer complaint received 2018-07-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CrossCountry Mortgage LLC (NC)

PROBLEM : Two Failures to disclose terms and costs for home mortgage of $ XXXX closed on XX/XX/XXXX : 1. From the outset we requested and reiterated our need to pay down the mortgage to achieve lower monthly payments, without penalty. However, CCM failed to disclose their loan terms would deny partial payments which we had to discover on the Closing Disclosure Doc. Morgage company threatened we could not close on time unless I signed that document as is, advising that we could instead probably recast the loan in payments of $ 10K+ for a fee of maybe up to {$600.00} depending on the terms of who they sold our loan to and whomever might repurchase it later. 
2. We requested the loan be held by my Trust rather than me individually. The Company had agreed but instead required me to hold the loan individually. This was not disclosed and only discovered at the closing in the final loan docs. Again, I was forced to accept this adverse, undisclosed change in order to move in on time even though they had confirmed that my trust could hold the mortgage after my attorney attested that my trust provided full power to buy and sell real property as required by their underwriters. 
I advised the Company of these failures and have had no response. Documentation of the above available upon request.
Consumer complaint received 2023-01-28
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

on XX/XX/2022 I sent in dispute requesting and investigation of the items they said were verified by creditors it has now been way over XXXX  days and I they have not supplied evidence of the supposedly verified account. Section 611 ( a ) is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since being it is well over XXXX  days they should be deleted promptly. I demand these items be deleted immediately or I will file for litigation due to stress you caused me. My information was also involved in the XXXX data breach and May have gotten into the hands of the wrong person. My information was also involved in a cyber attack whereas my information had been compromised as well.
Consumer complaint received 2020-04-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: RFNA, LP (GA)

Rebuplic Finance has violated my rights as a consumer by using unethical and predatory loan practices during the Covid-19 pandemic. My hours were cut at my job and I informed Republic Finance of my financial distress and uncertainty of my income. Not only did they call 2 times a day requesting payment but they also sent multiple letters requesting payment that led to additional emotional distress for me and my family. I have made on time payments since my first payment on XX/XX/XXXX. I called to request a relief due to loss of income and was told that the only relief that could offer was a one time reduction in payment that had to be paid right away on XX/XX/XXXX. I explained that I didn't have anymore income to replace what I had in my account and was told they only have that solution. The loan is predatory in nature with a 39.180 % interest rate and I had to list the televisions in my home as personal property collateral. Republic Finance has engaged in enfringement on my right to privacy, harassment from the multiple calls and request for payments. Statements from company were false and misleading and the constant communication has led to undue emotional distress.
Consumer complaint received 2020-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (GA)

Chase XXXX XXXX finance charged me two consecutive financing charges, one for cash advances of which I do not make any and the one that I made 3 years ago had a fee of XXXX. 
These financing charges caused me to go over my limit and Chase immediately reported that to XXXX  causing my credit score to go down 10 points. 
Chase is taking Malicious action in a time of CRISIS. 

Cash advance balance of {$1600.00} at 24.99 % Variable APR when I HAVEN'T made those cash advances. 

Chase 's response : Your account had a cash balance from your XX/XX/2016 statement. A transaction from XXXX : XXXX for {$200.00} was made on XX/XX/2016. This was listed as a cash transaction. We charge a cash advance fee when you make cash-like transactions, such as withdrawing money with your credit card or buying foreign currency. Please note that Chase has no control on how a merchant is categorized, because, it is determined by a merchant and the Visa and MasterCard systems. Hence, your account was assessed with cash advance transaction fee of {$10.00} and cash advance interest charges from your XX/XX/2016 statement onwards. I've attached a copy of your XXXX
Consumer complaint received 2020-09-14
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. (SC)

I have been a victim of Identity Theft since 2012 and I have finally found out who the perpetrators are because they decided to impersonate me on social media and I had family and friends communicate with them to figure out who they truly were. They have opened numerous accounts in my name that were unauthorized and stole information about me from online sources ( I have since opted out of most ). The only issue is the Credit Bureaus are not blocking and deleting the information even though I have provided them all the necessary documentation, also per the FCRA they are supposed to block identity theft disputes from the credit report 4 after after the reports were received. They have not helped me out with this at all. I have a lawyer and I am doing everything he has advised me to do and the Credit Bureaus are still not complying.
Consumer complaint received 2018-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo credit card services closed my account on XX/XX/XXXX, because of late payment on one of my other credit cards. I spoke to them on XX/XX/XXXX and they refused to give me my rewards that I earned through there credit card. It was about {$1200.00} dollars worth of rewards that they owe, and the person who I spoke too refused to give those rewards. They said the only way to get those rewards was to reopen that account. I spoke to someone in customer service about reopening my account and they said that the account is permanently shut down and would and be reopened and the rewards are therefore forfeited.
Consumer complaint received 2018-07-11
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: Informative Research (WA)

I have made several calls to XXXX. this is not my account. they confirmed this is not my account, but it is showing up on my credit report. The bank is not wiling to confirm an account they do not have, and the credit bureau is not able to update without a confirmation of the account. it is a silly game back and forth on an account that I never opened. Please help me get someone to fix this injustice. 

Thank you XXXX XXXX XXXX
Consumer complaint received 2020-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-04-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: SYNCHRONY FINANCIAL (FL)

I have PayPal account I have had for years. I reported Fraudulent activity on the card and the account was frozen. I tried to reach PayPal by phone and had no success for over a week. PayPal no external email or work phone numbers to contact them unless you log into their account. Today I decided to give it one last effort and I was able to get a reprehensive in chat. 
After an hour on chat I was able to access the account again. Upon reviewing my account, I found there were additional charges on the account not authorized. I told the representative about the charges and she said well PayPal has an end user agreement with all the people. 
I have had a PayPal account for well over 10 years and I have never had an issue with a dispute. I currently have three charges on the PayPal account that I have closed and did not make those purchases.
Consumer complaint received 2018-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I have capital one silver credit card and I paid in full balnance on du date. They charge {$110.00} on XX/XX/2018 and again on XX/XX/2018 {$36.00} even I paid full balance before due date. I called and request to rmove interst charges and they refuse to do so. 
I believe this is rip off and custmor service is bad. Do not like to talk. 

I request is anything you can do? 

XXXX XXXX
Consumer complaint received 2023-01-28
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. (NV)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus on XX/XX/23, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against them if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-22
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: Experian Information Solutions Inc. (CA)

Some one used my information try to get Cridit card so start running the Cridit often I lost 18 points XX/XX/XXXX. Experien And XXXX
Consumer complaint received 2018-03-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: The Outsource Group, Inc (CO)

I had a doctor 's appointment on XX/XX/XXXX. A copay was not collected at the time of service. On XX/XX/XXXX, I received a collection 's notice from XXXX XXXX for {$35.00}. Prior to the notice, I did not receive any notice/statement/bill of an outstanding balance from the doctor 's office, XXXX XXXX XXXX, or their billing company, XXXX XXXX XXXX. 

Upon calling XXXX XXXX XXXX, they stated that no statements or bills had been sent to me since XXXX, and my address on file was current. They admitted fault, and that my bill should not have gone to formal collections since no statements or bills had been sent. I am concerned about this information being reported in my credit history since the billing company has admitted they never billed me.
Consumer complaint received 2020-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

There is a charge of {$12.00} dated XXXX XXXX on my XXXX XXXX XXXX XXXX credit card ( owned by Comenity Capital Bank ) which I am not aware of that charge and the credit card company has not yet been able to tell me what that charge is for. However, although I never received a statement for that charge either by email or by US mail, I have been willing to pay that {$12.00}, but the collection department in the comenity Capital bank has been very deceptive, dishonest, cheater, manipulator, harassing and has been playing games with me in regard to omitting all the late and finance charges. I have talked to at least 8 different representatives and I have never experienced such dishonest and deceptive customer service in my life. A couple of them finally agreed to delete all the late and finance charges, but when I gave them my checking account information.they wanted to charge me for a couple more late fees. 
The fact of matter is that I have spent at least 9 hours with them for a charge that I am not aware of. I have always paid all my bills to all my credit card companies on time as it is evident from the enclosed attachment about the last payment for {$42.00} on XX/XX/2020. 
My XXXX  score is over 800 because I have always paid all my bills on time.This Bank is a horrible CHEATER with very poor and harassing customer service. 
I strongly believe that the company intentionally does not send, occasionally, the statements to customers to rip them off with late fees and finance charges ; m in my case {$64.00} for {$12.00}
Consumer complaint received 2018-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XX/XX/XXXX, made purchase at restaurant. During this time, used XXXX voucher for {$80.00}, and presented to merchant at time of payment. Merchant failed to apply voucher and charged total amount to card. Shortly thereafter, I filed dispute with card company, which advised I should provide voucher, which I did. They then credited my account. However, in early XX/XX/XXXX, I received notice that disputed amount was reversed, and I provided a rebuttal. Rebuttal again included a copy of said voucher and suggested that I did not agree to amount because the receipt for purchase was not signed. I have not received any notice from card company of resolution.