davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

I was charged excessive fees for credit card transactions. A California-based website, XXXX, processes transactions from their XXXX location, not known to me at the time. This resulted in international transaction fees. Also, the merchant recently changed their merchant category code ( MCC ), which resulted in cash advance fees. This totals 7 % for the same transaction. There were five from XXXX   and one from XXXX. These were all online, not at an ATM or bank where Ill expect cash advance fees. The credit card agreement does not make it 100 % clear under the fees section that multiple fees are possible for the same transaction. It seems to suggest that international transaction fees are only for purchases and not cash advances ( since that has its own fee ).
Consumer complaint received 2018-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (TX)

I recently applied online via the American Express web site for a DELTA RESERVE CREDIT CARD FROM AMERICAN EXPRESS, with an annual fee of {$450.00} USD. Prior to completing and submitting the application and being approved, there was no disclosure of the fact that an additional fee of {$170.00} USD per year is applicable if I wanted my secondary cardholder to have the RESERVE card ( rather than the default PLATINUM card ). This is an important item which should have been clearly disclosed in the Terms & Conditions prior to even getting to the application page. For American Express to make this disclosure only *AFTER* I had already completed the application and *AFTER* I had already been approved as the primary cardholder is misleading, deceptive and dishonest. I called American Express to report this issue and to file a complaint, which was supposedly escalated up the ladder within American Express " for review '' but was shocked that no one would be following up with me directly on this issue. American Express agreed to downgrade the secondary cardholder to Platinum and refund the fee after the fact, but this completely ignores the fact that my decision to apply for the RESERVE card itself was based on the understanding ( due to lack of disclosure ) that there would be no additional fee for the secondary RESERVE cardholder. What recourse do I have? I feel that American Express should be legally required to provide this disclosure PRIOR TO APPLICATION AND PRIOR TO APPROVAL, which was not done in my case. On the basis of this lack of disclosure, I believe that I should get the secondary RESERVE cardholder at no additional cost for each membership year and for as long as I keep the primary RESERVE card account.
Consumer complaint received 2020-12-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRUIST FINANCIAL CORPORATION (PA)

I had a few things on my report for years and it seems like they wont take it off its been on there to long and its also in a bankruptcy
Consumer complaint received 2018-02-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BB&T CORPORATION (MD)

I have a bank account with BB & T that I had forgotten about. The account went dormant because it was inactive for one year. I ended moving to a part of the country that does not have any BB & T branches. When I discussed the issue with a customer service representative I was told to write a letter authorizing a friend or relative to go to the branch where the account was created to collect a new debit card and that the dormant status would be removed. I followed their instructions. After my relative took the letter to the branch the staff claimed that the information I had been given was wrong and that I would need to write another letter, have it notarized and send it to the same branch I mentioned before. I write the letter, have it notarized, and send it to the branch. I check the status of the letter on the USPS website and it says it has arrived. A few days pass and I have not heard anything from the BB & T Branch. I call them and a staff member claims that they haven't received the letter. At this moment it becomes obvious that no one at this branch has checked the mail. When I call him out on this he checks the mail and confirms that the letter has arrived and claims that it is being passed along to someone who can verify it. A different staff member calls me asking me for a picture of my drivers license and I immediately email her a picture of it. A week passes and the status of my dormant account has not changed. I call the branch and they claim that the letter and photo of my ID are still being verified. Another week passes. I call them again and they give me the same story. Several weeks later, account still hasn't been reactivated. I have spent around {$50.00} to have two letters notarized and shipped across the country and have not gotten any results. BB & T is by far the worst bank I have ever dealt with. This experience has shown me that the company is full of XXXX employees who don't care about customer service. It seems like they think they can get away with not doing anything and that customers will just give up and stop contacting them. At some point in the near future, I will have to travel cross country to get this matter resolved. This is beyond ridiculous considering it is 2018 and this problem couldn't be resolved online or over the phone.
Consumer complaint received 2020-01-22
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: EQUIFAX, INC. (MO)

To whom it may concern I received a copy of my credit report, because I'm in the process of purchasing a home for me and my children. Upon receiving the report I noticed that it had a collections account on there with a balance of {$60.00}. There are two things here that bothers me and has now stopped me from purchasing a home for me and my children. First, this account was paid in full and it should never have gotten put on my credit report from the beginning. Second, although I paid the account I never received a notice from XXXX XXXX XXXX XXXX XXXX stating that they were putting this on my credit report. If I'm not mistaken. According to the FDCPA I must be notified within five days of a collection agency putting anything on my credit report. That was not done.

I reached out to all 3 credit bureaus and they are saying that the information was verified accurate. In which, they have not sent me anything showing how they got their information. Nor how this inaccurate account is showing verified as accurate. 
I ALSO SENT THE COPIES OF THE PAID IN FULL RECEIPT.

Therefore, at this time I am asking that you please have this paid account DELETED from all 3 CREDIT BUREAUS. I DO NOT WANT IT JUST TO SHOW COLLECTION/PAID BECAUSE IT SHOULD HAVE NEVER BEEN PUT ON MY CREDIT REPORT. IT WAS PAID IN FULL BEFORE IT WAS PUT ON THE CREDIT REPORT. AS WELL I NEVER GOT ANY NOTICE THAT YOU ALL WAS PUTTING IT ON THERE. 

This is really stopping me from securing a home loan for me and my family. 

Respectfully, XXXX XXXX
Consumer complaint received 2018-06-14
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (KS)

Received credit fraud so I tried to validate the accounts by asking for signed contracts. Ive sent in numerous letters spent hundreds of dollars and neither company has yet send me a document showing my signature within a contract. Ive also submitted police reports that theyve received numerous of times but have yet verified these accounts by signature or contract showing my signature. Ive been trying to get the validation since XX/XX/2017-present and have yet to get a letter other than the computer typed letter that doesnt give me any information regarding my contract or the information I requested.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OK)

I am writing to dispute fraudulent accounts on my credit report that I did not authorize or consent to. Upon reviewing my credit report, I discovered the following unauthorized accounts : 1. 
Account Name : [ XXXX ] - Account Number : [ XXXX ] - **Date Opened** : [ XX/XX/year> ] - **Outstanding Balance** : [ {$6800.00} ] 2. 
Account Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Date Opened : [ XX/XX/year> Outstanding Balance : [ {$2300.00} ] I want to emphasize that I did not open or authorize any of these accounts. I am a victim of identity theft, and I request that these fraudulent accounts be removed from my credit report immediately. 

Additionally, I would like to bring to your attention that your bureau is in violation of the Fair Credit Reporting Act ( FCRA ) laws, specifically : - Title 15 U.S. Code. 1681b - Title 15 U.S. Code 1681c-1 - Title 15 U.S.C 1681c-2 - Title 15 U.S. Code 1601 - Title 15 U.S Code 1692c Title 15 U.S. Code 1681b states that you as the credit reporting agency does not have the right to report anything on my credit report without proof of written consent that I opened the account. I previously disputed these accounts and asked for proof of verification which you did not provide. I never gave any written consent to the fraudulent accounts stated above and therefore you are in violation of this code & must remove these accounts from my credit history. Title 15 U.S.C 1681c-1 of the Fair Credit Reporting act specifically states that without my written consent I am absolutely a victim of identity theft. Based on Title 15 U.S. Code 1681c-2 of the Fair Credit Reporting act, if you are notified by the consumer about something on their credit report because of identity theft ( which I have notified you of ), you must remove these inaccurate accounts from my credit report because once again I never gave any one my consent on the accounts I have listed above. Also, Title 15 U.S. Code 1601 protects consumers against unfair and inaccurate credit billing & card practices which you have violated by allowing these fraudulent accounts to continue to report on my account after no written proof of consent has been sent from your bureau. Lastly I recently wrote a dispute letter of the same fraudulent accounts I am writing about now to your bureau & yet again your bureau violated Title 15 U.S. Code 1681i of the Fair Credit Reporting Act which states you have 30 days from notice of the dispute on your end to investigate and determine whether the disputed information is accurate or not. I urge you to investigate this matter promptly and take appropriate action to rectify the inaccuracies on my credit report. Please provide me with written confirmation once the investigation is complete and the fraudulent accounts have been removed.

Thank you for your attention to this matter.
Consumer complaint received 2023-04-01
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. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong 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 2021-06-09
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NC)

We got behind due to COVID 19 being laid off of work. We applied for a modification. 

1. The first time, we got denied because they said we didn't make enough money. They was not counting my son 's XXXX income, even though I'm his legal guardian and the one that takes care of him. 
2. I reapplied. This time, I got denied because I didn't have the paperwork turned in ( on time ) according to them. I have screenshots with timestamps proving they DID have the paperwork, ( on time ) but that was the reason they gave. 
3. I reapplied again. This time I got denied due to not having enough disposable income. Again, I have proof this is not true and yet this is the reason I was denied. 

This has been going on a year. They keep finding reasons to deny us and try to foreclose on our house.
Consumer complaint received 2018-02-05
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

Hello I have a auto loan with XXXX XXXX XXXX THEY ARE REPORTING MY ACCOUNT AS ( DISCHARGED THROUGH BANKRUPTCY / CHAPTER XXXX THIS WAS NOT INCLUDED IN THE BANKRUPTCY. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT REFLECT A NEGATIVE MARK TIL 2025. THIS WAS ALWAYS PAID ON TIME TIL THIS DATE. THANKS
Consumer complaint received 2018-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Diversified Consultants, Inc. (CA)

On XX/XX/2017 I canceled my XXXX account due to multiple inaccurate charges reappearing on my statement. I have contacted their company several times to correct the bill for overage charges dating back to XX/XX/2017.The final balance was {$500.00}. I have spoken with a variety of XXXX representatives, escalation department members, as well as supervisors within the XXXX customer care team. Notations were placed on my account about the errors. I also received what they called " interaction IDs '' that prove my calls, complaints, and " solutions '' in regards to my account, they are as followed : XXXX, XXXX, and XXXX. The account was paid, but somehow was sent into collections when it should have never been sold. XXXX had no right to sell my account!
Consumer complaint received 2023-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (GA)

I have a navy Federal account where I was involved in a scam being taken place against me. I thought I was applying for a loan. The person called me and already had all my information and said I was eligible for a loan. I did provide the person with my access code. They ended up putting {$2200.00} in my account and snatching it back out. When I called Navy Federal they advised me someone had disputes transactions on my account and when they issued a temp credit they transferred the money out. Navy Federal ended up holding me at fault and closed my account saying I owe the money. I provided them the phone numbers they called from, email address, and forms they had me fill out regarding the loan. Im not sure why they couidnt follow the money since it was transferred out. I can provide more info if needed.
Consumer complaint received 2022-04-29
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. (GA)

Starting in XX/XX/2022 I sent certified dispute letters to have a bankruptcy removed off my credit file reference # XXXX with Equifax and XXXX that does not belong to me or have my last on it. Equifax and XXXX are the XXXX credit bureaus who are refusing to remove it XXXX has removed it. The excuse that Equifax and XXXX are giving is that they validated it by the courts. I contacted the courts and gave them the letter from the courts stating they don't give public record to the credit bureau. They are violating and not complying with FCRA 611 ( U.S.C 1681.
Consumer complaint received 2021-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX Has Listed 39 Opened Accounts. FALSE. 

XXXX Does Not Indicate That I, The Customer, CLOSED My XXXX  Account. And, That I Had Been With XXXX  Since XXXX  With Excellent Payments, And Up To A XXXX Limit. 

My XXXX  Account Is Listed Within The Credit Report With A BLANK SPACE? AND THEREBY APPEARS SUSPICIOUS. 

My Current Credit Card Balances Are NOT Disproportionate To My Limits. 

Positive, Creditworthy Information Appears To Be OMITTED, OR DELAYED While There's NO HESISTATION Between The Three Agencies TO LIST The One " XXXX  XXXX 's '' Collection For A Pay Day Loan That I've DISPUTED. REPORT WITHHOLDS THE FACT That I'm DISPUTING This DEROGATORY Information.
Consumer complaint received 2021-11-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SinglePoint GI (CA)

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. Please confirm the information shown in the collection accounts ( GENERAL REV XXXX Date Opened : XX/XX/2021 Balance : {$800.00} ) This unverified account is still reporting on my credit report in violation of Federal Law. Send any and all documentation that validates your investigation and comments and that the XXXX Credit Bureau are legally allowed to report this on my credit report. If unable to, remove the accounts immediately
Consumer complaint received 2021-11-06
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC. (CT)

Navient is reflecting negatively on my credit report. All loans have been paid in full however past missed payments Friday XXXX and XXXX are still negatively impacting my credit score due to it appearing on report negatively.
Consumer complaint received 2018-02-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TekCollect Inc. (MO)

After looking over a copy of my credit report I noticed that this company was reporting an unknown collections on my report that I was unaware of. I then filed a dispute with the credit bureaus and I also send TEK Collect a letter requesting that they remove the unverified account in which I send certified letters with tracking receipts. Per CRSA enacted, CDIA Implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also XXXX XXXX Compliant.
Consumer complaint received 2018-02-06
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: EQUIFAX, INC. (VA)

Requested from the credit agencies to verify the validity of the below account currently reporting as a collection. I have contacted the company directly by mail and by phone and was told they will not provide any other proof. The requested help again from the agencies I'm disputing their practices with and they will not allow another dispute stating they verified it and yet I never received any correspondence. 

I attempted to contact the company directly again and was told they will not accept any payments or anything on the debt. I tried so they would remove from my report I offered to pay to delete and was told it was not their problem. I explained under the Fair credit reporting act and the FTC their reporting is not being handled correctly or morally. I was hung up on and do not receive any validation on this debt. 
I am requiring the agencies reporting to remove this account from my reports and to process with regulations on how to fairly report. 

Account to remove XXXX XXXX XXXX Account Number XXXX Account Type Credit card Date Opened XX/XX/XXXX Status Account charged off. {$420.00} written off. {$380.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$380.00} Credit Limit {$300.00}
Consumer complaint received 2018-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Requested from the credit agencies to verify the validity of the below account currently reporting as a collection. I have contacted the company directly by mail and by phone and was told they will not provide any other proof. The requested help again from the agencies I'm disputing their practices with and they will not allow another dispute stating they verified it and yet I never received any correspondence. 

I attempted to contact the company directly again and was told they will not accept any payments or anything on the debt. I tried so they would remove from my report I offered to pay to delete and was told it was not their problem. I explained under the Fair credit reporting act and the FTC their reporting is not being handled correctly or morally. I was hung up on and do not receive any validation on this debt. 
I am requiring the agencies reporting to remove this account from my reports and to process with regulations on how to fairly report. 

Account to remove XXXX XXXX XXXX  Account Number XXXX Account Type Credit card Date Opened XX/XX/XXXX Status Account charged off. {$420.00} written off. {$380.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$380.00} Credit Limit {$300.00}
Consumer complaint received 2021-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

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

CAPITAL ONE BANK USA is currently showing 30-60 days late for the year 2018. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Consumer complaint received 2018-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I noticed that my bankruptcy filed XX/XX/XXXX has been updated and resubmitted to reflect a current date of XX/XX/XXXX which is incorrect and looks like i just filed the bankruptcy. 
under Transunion and XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   this information is incorrect and should be cleared up and updated to the original correct filed date of XX/XX/XXXX