davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-28
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: AMERICAN EXPRESS COMPANY (MD)

In XXXX of 2016, my American Express card was hacked. I called and asked that myself and my family members be issued new cards. The person with whom I was dealing with on the phone was very difficult to understand. The American Express representative apparently changed the terms of my credit card WITHOUT MY CONSENT. The company made some of my charges " billed over time '' and changed the terms of my payment to " minimum balance '' causing me to rack-up INTEREST! If I want a credit card with interest as a component, I would obtain a low interest Visa card, not some random American Express interest. I have called every month since discovering this in XXXX. I have patiently explained that I do not WANT to pay interest. My account is on auto pay, and they are to draft the complete amount I owe each month. Each month the interest has been waived, I 've been assured it wo n't happen again, and it does. The last supervisor assured me the interest was waived and could not understand what I was upset about. When I asked if the actual settings were changed and this no longer would continue, she left me on hold and never returned. I remained on hold for an extended period of time. The issue does not seem to be resolved. They continue to charge me interest. I continue to call and they waive the interest. This feels like a XXXX XXXX situation where the company has put pressure on their employees to change the terms of the customer 's accounts for a bonus. Is that true? Why not investigate? I 'm sure there are many other customers on auto pay who do n't even know they ' re being charged interest by American Express. I think this warrants further digging by the CFPB. In a way they have issued me a new kind of interest generating credit card that I NEVER ASKED FOR!
Consumer complaint received 2016-02-09
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Javitch, Block & Rathbone LLC (IN)

I. Javitch Block and XXXX XXXX sent me a letter XXXX/XXXX/XXXX that they had been retained by XXXX XXXX XXXX XXXX XXXX. 2 ) notice of opportunity to contact within 30 days to dispute the debt, and 3 ) a statement they are a debt collector. The letter was delivered uncertified. II. I responded on XXXX/XXXX/XXXX. In the letter, I asked Javitch Block LLC and XXXX XXXX to validate the debt. The letter stated to respond to a specific Notary Public ( who would verify and validate receipt of said validation ) within 30 days. The letter was sent by certified mail and received by Javitch Block LLC on XXXX/XXXX/XXXX. III. I also pulled down my credit report and saw that this debt had been charged off. IV. I was served a lawsuit on XXXX/XXXX/XXXX by Javitch Block LLC and XXXX XXXX regarding this matter. This firm stated they were retained by XXXX XXXX XXXX XXXX XXXX. That claim is patently false, since the debt was charged off. If XXXX XXXX XXXX XXXX XXXX was still pursuing this debt, it would not be at this status, so this firm has made a false statement regarding its disposition on this matter. Further, this firm has stated they are a debt collector further down in the letter. This indicates that they obtained this debt as a third party debt collector. The statements made by Javitch Block LLC and XXXX XXXX in the letter are fraudulent and misleading and intended to intimidate. Further, Javith Block LLC nd XXXX XXXX has extended this fraud into court.
Consumer complaint received 2017-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank Of America Bank of America Platinum credit card tied to my bank account on Smart Phone.     I pay my payment every month,  XXXX  month in advance, always paid on the  XXXX  of the month. But every month I was apparently receiving a late fee that was not listed on my online ( phone  )  bank statement not on the year end summary of the account.     the bank is saying the payment was due by the  XXXX  of the month, and even though I paid every month a month in advance on the  XXXX  of the month it was considered late. Only months that I made additional payments did I not receive a late fee. No where online or in statements does the account indicate that there is a windows each month that you can not make payments,  XXXX  to the  XXXX  of the month, the most frequent time people make monthly payments.     In addition the online account never shows the fee being charged for account. The fee apparently is posted on the last day of the account statement, and is not visible any other time. The online as the statement only shows the current statement period and after the next day the fee is no longer visible. The link to previous statements is deliberately hidden.  The Highlight and Underline on the text for statements has been removed so there is not way t t ell that is a link to previous statements.     Even the Year end statement deliberately does not include fees charged on the account. If you are a modern person, especially a Millennials, who maintains tracking accounts on your smart phone and use the account to ensure you pay monthly you will never know you are being charged late fees for the card. Only way you can tell what fees you are being charged is to download the monthly statement which is only way to access statements when using paperless option.     It 's was gong on for over a year., I have unknowingly paid over {$250.00} dollars in late fees. In addition and the fees change from  XXXX  dollars to  XXXX  dollars randomly.     This is truly engineered predatory banking for online paperless banking.
Consumer complaint received 2021-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I, the consumer sent TransUnion a removal letter through certified mail. The dispute letter was sent on XX/XX/XXXX, asking to have several accounts reporting about alleged debts removed from my consumer report. Pursuant to 15 USC 1681a ( 2 ) ( B ) Exclusions " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; should be excluded from my consumer report. '' I also sent the letter with a green return receipt and an agent signed saying they received it. Under federal law, this corporation has violated me as a consumer. TransUnion 's agents have all infringed on my rights to privacy since they are signing for letters that I did not send to them directly. I have disputed the items on my report many times with little to no response from this company. Their previous responses state that the disputes can not be removed because they have been validated, which is false. Pursuant to 15 USC 1692g a corporation can not validate an alleged debt. Due to TransUnion 's noncompliance, I have not been able to relocate my family to a safer environment. I have been embarrassed due to denials. This company has caused me and my family many hardships due to the alleged debt being reported on my consumer reports. Pursuant to federal law, only factual information can be on a consumer report. This is identity theft and there is no statute of limitations on fraud. They have infringed on my rights to privacy and defamed my character.
Consumer complaint received 2017-05-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (FL)

This complaint is against the company " Diversified Consultant ''.     Currently, they are reporting that I owe them a total of {$750.00} on my credit.     I have never had any dealings or communication with this company so there is no reason for them to be reporting an unpaid debt on my credit report.     I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.     To facilitate the CFPB 's investigation, I have acquired the account number of this unknown account from a recent credit report. The account number is listed as follows on my report : "  XXXX  ''. My report indicates that the account has an " open date '' of   XXXX   XXXX
Consumer complaint received 2015-10-12
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I tried to login unsuccessfully to my online account with HSBC USA. I attempted to reset my password and was locked out for security reasons. I lost my credit card so I did not have the account number when I called customer service to attempt to get my account unlocked. They also require a telephone access code which I did not have at the time. I informed them that I think my card may have been compromised and they did not acknowledge my concern. I provided them with my name, social security number, date of birth, address, and called from my home phone number which is the one registered to the account. They claim I need to provide more information. I did not received a statement of my account for three months. I started receive collection calls at random hours, sometimes as early as XXXX and after XXXX. I have called multiple times to try and get my account unlocked so I can see my account activity and make sure my card has not been compromised and have been unsuccessful. I have all the information required now and they claim that department is closed. This is ridiculous. I have never had as many problems with a financial institution as this XXXX.
Consumer complaint received 2022-02-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Second Round Limited Partnership, Austin, TX Branch (MN)

SECOND ROUND LLP has been harassing me on several occasions over the past year to try and collect debts. They purchase debts from mainly XXXX XXXX but there are others and then attempt to get the money from the consumer in a sterner formatted letter and if you dont respond accordingly, they have a law firm they work with ( XXXX XXXXXXXX XXXX ) that then garnish your wages in which they did to me on one occasion in the last six months and made other attempts but didnt succeed. They first came to me about 6-8 months ago and attempted to garnish my wages and hadnt even sent me anything AT ALL! When my HR person contacted me telling me they received a legal letter to garnish my wages abs I freaked out because I didnt know what it was. I about fell out of my chair, both in sick and embarrassment. This was a new job and I am XXXX! When I reached out to them and threatened them to stop because they hadnt even informed me, they retracted immediately. However, about three weeks later i got something in the mail and my company received another formal letter to garnish my wages in which they had to. From then on it got worse and NONE of the attorneys would speak to me or take my calls and the only people that do are customer service and theyre completely rude and sarcastic and dont care that your whole world is being turned upside down. They claim you need to speak to an attorney and yet you never get through to one.I became so frustrated and told them I paid these balance ( s ) or that they werent even mine but it didnt matter at that point. When I reached out to the credit card company they dont even know who SECOND ROUND LLP is and many arent sure how its getting to this connection agency. The one debt from XXXX, the person felt terrible but couldnt help me at that point because it has been sold to Second Round. I tried explaining this wasnt even my debt it was listed under my ex husbands name but it just didnt matter at that point. They then had the law firm garnish my wages at over 40 %! Im a single Mom and have XXXX  daughters that are XXXX and they take daily medications. I ended up paying it and it cost nearly {$1000.00} more with the fees from their firm. Totaling like nearly {$3000.00}. And the original debt was {$1600.00}. Now, theyre coming at me again for a ANOTHER DEBT that is from XXXX, over six years. A XXXX XXXX XXXX in the amount of {$3800.00} and I honestly cant take it!! They will be threatening my new job AGAIN by garnishing my wages and I wont be able to pay my bills and live when they do that! They have to STOP! Its killing me and my family! PLEASE SOMEONE HELP!!
Consumer complaint received 2017-02-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (VA)

I have an adjustable rate mortgage loan that has a very high rate of 9.45 % with very little going towards the principle. It also has a balloon payment of {$440000.00} due on XXXX XXXX, XXXX. In XXXX my loan amount was {$620000.00}. Today my loan amount is {$600000.00}. 
Over the last 10 years I have paid over {$500000.00} in payments with little reduction in the principle. I did not receive an amortization schedule and have not been able to get one from my mortgage servicer. I have complained many times to the mortgage company and my loan is either sold or the loan gets transferred to a new servicer. I have recently had a significant drop in income and could not make the payment. I have requested a loan modification under the HAMP program which was submitted in XXXX of XXXX. I am sure this would qualify as a predatory loan because of the high rate, non amortizing and excessive balloon payment. My monthly payment is {$5700.00}, of which {$4700.00} goes toward interest and only {$280.00} for principle. 
This is a loan that would not be made today. It only benefits the investors and makes it impossible for the borrower to repay.
Consumer complaint received 2015-10-27
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (MA)

I held an American Express corporate card as an employee XXXX until XXXX XXXX, 2014 when XXXX XXXX was acquired. I paid the balance to zero and cancelled the card upon the acquisition. American Express did not cancel the card despite my request. In XXXX, American Express billed me a membership reward fee. I called and indicated this was in error because the card had been cancelled. Again, they indicated they would cancel the card. They did not do so. I received more statements including interest fees on the membership reward amount. I called again to ask them to cancel the card. They did not do so. Finally, today, I received a phone call from their collections department for the {$91.00} for the membership rewards payment. I again, requested that the card be cancelled and the fee be waived. American Express refused to waive the fee and it is unclear to me as to whether they have formally cancelled the card.
Consumer complaint received 2016-04-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Regional Processing Services (ME)

We received several calls on our home and cell phone from a XXXX XXXX from Regional Processing phone # XXXX, leaving a file # and saying her client had a business issue with us. My husband did finally speak with her, and was told that he took out a {$350.00} loan on line several years ago and did not pay it back, and that she could take a payment over the phone. No further details. No loan was ever taken out to his knowledge and he gave her the name and phone # of our lawyer and asked for proof of debt to be mailed. 
Just reporting the scam. Thank you! 
Just reporting
Consumer complaint received 2016-02-19
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (FL)

I am XXXX yr old widow with XXXX XXXX. In XXXX XXXX when my husband died, I no longer had anyone to be a Rep Payee on my SSA account. I became my own person in charge again. I opened account for my SSA monthly direct deposit at Wells Fargo -- just for ATM to pay groceries, credit card with XXXX because I pay off balance at end of month, mobile phone, electric, and internet & misc. I have to file annual expense for SSA of how I spend the benefits. Wells Fargo manager told me I had to have savings and credit card and direct deposit to have free checking. She lied. I only need {$500.00} + direct deposit per month. After they deducted {$30.00} from savings, I closed it. I have never used Visa card. XXXX XXXX, my identity was compromised. This is 2nd time. I alerted FTC and credit bureaus. XX/XX/XXXX I got my XXXX digit code to over ride the lock on my personal assets. It is good for 6 months, not the normal 90 days because of my XXXX and extent of theft. Wells Fargo has stopped sending me paper statements XX/XX/XXXX. I had to add it as an option ever month online tyhey told me but I never got them at PO Box . I get promotions there and services they offer, but no statements. I get ATM cards, but no statements. I had alerts on my phone but they stopped because they said my password expired. I went to branch ( I do n't drive ) and they said since I did n't have ATM, they could n't help me. It was an online issue. I used my ATM on XX/XX/XXXX, for less than {$20.00} ( I have over {$2000.00} in account ), the cashier approved and took my card. I kept receipt. I called Wells Fargo and they said it was reported it stolen. Who the heck reported it stolen? They stopped a payment to my internet provider and I paid it from credit union account. They sent me notice I had payment due on credit card. I have never used I. I called them at local branch and the teller laughed. I told her I did n't think it was funny since I was ID theft victim and they were n't helping by not sending statements. She said she was laughing at a joke. I said well it 's not professional when you are on phone especially when I am locked out of my account, have my ATM taken from me, and you send me emails that I have no access to my account or alerts. Then 5 minutes later send email saying my statement is ready for online viewing? I called SSA and changed firect deposit to my credit union. They have been very helpful with alerts, changes to online accounts & emails due to hacking from ID theft. I have made XXXX trip in person to redo everything on my account with them. Wells Fargo says they cant do online problems or update account info. Their credit card is NOT listed on my credit report either which I never addressed with them but I ' am intimidated by a FDIC bank that HAS my money stops payments at random, never contacts me and changes passwords & deletes personal info and options LIKE PAPER STATMENTS. Please help.
Consumer complaint received 2016-01-30
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One credit card stated I owed them money for a credit card. They sent to the IRS that I had agreed to a discharge of debt totaling XXXX. I in turn had to pay the IRS {$630.00} for additional taxes. I called Capital One several times asking for a validation of debt and when did I agree for a discharge of debt and to this date they have not responded. I do n't know if this was identiy theft but I did want a validation and they have refused.
Consumer complaint received 2023-04-17
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: Experian Information Solutions Inc. (NJ)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXXXXXX Date Opened : XX/XX/ Balance : {$0.00}. Please remove.
Consumer complaint received 2023-04-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Williams & Fudge, Inc (CA)

Around XX/XX/XXXXXXXX  I was alerted that a debt collection was added to my XXXX credit score. Williams & Fudge Inc. is attempting to collect re-aged debt on behalf of XXXX XXXX. I attended XXXX ( merged with XXXX XXXX  in XXXX ) during the fall semester of XXXX. I withdrew from the school before XXXX. Maybe during the merger there was an accounting error. I do not believe this debt is correct to begin with as all student loans have been paid off and I was never contacted by the school about owing a debt over the last 10 years. My phone number and email were the same, I also had mail forwarding. If this debt is correct, why was I never contacted before? Additionally, this debt is not a student loan and therefore would be past the statute of limitations for CA and OR. Therefore trying to collect this re-aged debt is a FCRA violation. 

I have disputed this debt collection with XXXX four times. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, and XX/XX/XXXX.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I, XXXX XXXX XXXX XXXX, am lodging a formal complaint with the Consumer Financial Protection Bureau regarding identity theft perpetrated by former employees of my company. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, who were both employed by my company " XXXX XXXX and XXXX XXXX XXXX '', utilized my personal information to commit fraud, causing significant financial harm and distress. Both individuals have been terminated from their positions due to their actions, which have resulted in substantial losses to my company. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These unauthorized actions have not only resulted in financial losses but have also caused immense stress and disruption to my personal and professional life. The fraudulent activities conducted by XXXX XXXX XXXX and XXXX XXXX XXXX have severely impacted my trust in financial institutions and my sense of security regarding my personal information. 

Recent Developments : XXXX XXXX XXXX was recently apprehended in XXXX by the XXXX Police Department, and some information was reportedly recovered. However, XXXX XXXX XXXX was apprehended by the XXXX XXXX, GA last XXXX, and no information was recovered.