davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-18
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 (MA)

In XX/XX/2018 I closed my American Express credit card account. At the time of closure the balance on my account was - {$50.00} ( negative XXXX dollars ), i.e. a credit balance. 

Instead of refunding me the credit balance, American express simply kept the {$50.00} dollars putting the following transaction on my statement : XX/XX/2420 REMOVAL OF CREDIT BALANCE {$50.00}
Consumer complaint received 2022-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (FL)

Was offered points for charging {$2000.00} on the card in 3 months Started using the card as soon as I received in the mail which was XX/XX/XXXX annual charge for use of card was charged XX/XX/XXXX assumed had until XX/XX/XXXX to charge because this was not clear But while using the card out of town I attempted to use the card and got a not authorized notice so assumed I had reached my balance of {$2000.00} and met the requirements Unfortunately when I returned from my trip I had a XXXX  in the family then XXXXXXXX XXXX  I then just contacted them looking for my points and were told above When contacted them were told no it started XX/XX/XXXX? and sorry It would be extremely difficult to charge on a card when I dont have it in my possession
Consumer complaint received 2020-06-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (MS)

Suntrust closed a very recently opened account for no immediately discernible reason. I find their action as unacceptable as well as customer services refusal to allow me to ascertain whatever their rational because the account closure department is conveniently unavailable to discuss details ( not client-facing, I surmise ). I now must await physical mail noticeunreasonable and ridiculous in 2020.
Consumer complaint received 2020-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: World Omni Financial Corp. (SC)

I have been a with SETF/WOFC customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account ( XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Consumer complaint received 2021-04-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NC)

This is my 2nd complain for same issue as New rez couldnot determine who is responsible for my raising of monthly paymnet of escarrow. New rez replied on my previous complain XXXX but never said who is repsonsible for this. new rez increased my ezcarrow paymnet without my consent then who is responsible and why My increased paymnet is declining my refinace status now. 

Please determine and let me know who is responsible for this.
Consumer complaint received 2021-04-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (NJ)

On XX/XX/2021 we had a notary sent to our house and signed closing documents stating that we would be closed, finished and receiving {$28.00}, XXXX back. We followed up multiple times to find out when this money was coming, and after a week they told us that they re-ran our credit and saw that we started a new lease on a car. 

Our old lease expired so we had to get a new lease. This lease was taken out XX/XX/2021 ( a month before closing ). They waited until after closing to run a credit again. 

They have asked for the same documents multiple times and keep siting that the need these documents. They ask for quarterly statements that show we have enough money to cover this lease. We have provided this 5 times - the most recent quarterly statement is from XX/XX/2021. We have sent this 5 times since XX/XX/2021. 

We send it. They say its accepted. Then they ask for something else, and when we send that - they ask for the quarterly statement again and keep saying it is not recent enough - it is the most recent statement available from anyone. We have also updated them MULTIPLE times with current daily balance directly from the retirement account. 

This is all stuff that should have been handled prior to closing - and we have provided what the underwriters keep asking for MULTIPLE times. They are asking for documents - we are providing - they are refusing. 

We are now 5 weeks passed our closing when we signed papers and they refuse to close and hand over our money.
Consumer complaint received 2021-10-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NY)

I have Low income. And each year I am to apply for the income-based repayment program. I tried on my borrowers website this year to apply but I was unable to do so for some reason it wouldnt accept my information. So I went to the federal student aid website and applied for my income-based repayment program there assuming it would transfer to my loan servicer NelNet. I called NelNet in XXXX to advised them of this and they said my payment would stay the same which was {$390.00}. However my payment went up to XXXX and I never received a notification that this would occur. The last email I received from Nelnet was in XXXX asking me to recertify which I had difficulty doing so I called them after I did it on the federal website and they said that my payment would remain the same but it changed and they did not notify me!
Consumer complaint received 2023-04-04
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: EQUIFAX, INC. (TX)

The information submitted to the credit reporting agencies from XXXX XXXX shows that I was late with 5 payments in XXXX, but does not show that the account was paid in full before being closed. 

I never gave XXXX XXXX  or any of the credit reporting agencies authorization to share my personal information ( IAW 15USC 1681 [ Fair Credit Reporting Act ] ) with anyone. 

I contacted the XXXX XXXX last year, and each of the three primary reporting agencies last year and this year about this issue and have not received any helpful responses.
Consumer complaint received 2020-10-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (TX)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.
Consumer complaint received 2020-10-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COLLECTECH DIVERSIFIED, INC. (CO)

Collectech Diversified has still neglected to provide me with validation as requested by me and required by law. Please direct them to delete all unverified accounts from my credit reports. Thank you very much for your help in this matter, it is greatly appreciated. 




This company responded to my last CFPB complaint advising that this debt was verified. This debt was NOT verified lawfully under the FCRA. I have yet to receive any PROOF that I signed any contract to be in agreement with them and that I owe them any money. They did not send me proper verification ( I ATTACHED THEIR " VERIFICATION '' ) They sent alleged account information. That is not enough. They need to send invoices bearing my signature or a contract bearing my signature to properly verify this debt under the FCRA. They have not and I am willing to pursue this matter legally as my rights are being violated. I reached out to Collectech Diversified on XX/XX/XXXX in regards to account XXXX. I attached the letter I sent certified. I also attached their response I received on XX/XX/XXXX which was only the name of the original creditor and alleged dates of service and amount owed. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Collectech Diversified has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Consumer complaint received 2021-04-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MD)

Each month my payments are being held for extended periods of time. I have made consistent paid in full payments throughout the time I've had the card. The issuer continues to hold the funds long past the time the funds are collected from my bank account. The most recent event is as follows : - XX/XX/2021 : Made payment for {$1800.00} - XX/XX/2021 : Funds are withdrawn from my checking account - XX/XX/2021 : Called customer service to discuss the issue ... nothing was done - XX/XX/2021 : Funds are still not available for use This is a consistent pattern with the card issuer and I would like for it to be resolved. When the funds are collected, the funds should be made available.
Consumer complaint received 2019-05-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MO)

I requested a copy of my credit report through XXXX  and discovered a debt collector entry for {$1900.00} claimed by XXXX XXXX which was subsequently purchased by Jefferson Capital Systems. While I previously did business with XXXX XXXX, I ended my account with good standing. I do not recognize the account number or account date as being something I authorized and believe one of two things has occurred : My valid account with XXXX XXXX was not properly terminated as I instructed or a second account was opened under my name without my authorization. I disputed the account with XXXX and, on XX/XX/2019, they replied that the account had been correctly verified and identified as mine. I requested that XXXX, Jefferson Capital Systems, or XXXX XXXX provide me with the signed contact supposedly in my name which supports the debt in the first place. I was told it was not available. I asked to get copies of the statements from the account and was told those were not available.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I can not view my credit Report, Credit Score or Submit a Dispute from my Transunion account. I have been working with Transunion to address this issue for the past two years. But unfortunately, nothing has materialized thus far. 

I have provided them with all the requested information ( Copies of their Driver 's License and Social Security Card, Letters, calls, etc. ). Yet, every time I speak with a Transunion representative, I get the run-around, and after hours of hold time on the phone with them, nothing gets fixed.
Consumer complaint received 2021-04-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (AL)

Common wealth financial have committed several federal violations against me, a Private law abiding Federally Protected Consumer.Te attachment show they created me a false account number, false open date, and false amount owed and I have never had a contract with this company and they are hurting my credit with this false information. I revoke all power of attorney to Common wealth financial. Common wealth financial does not have a certificate of Authority to do business in Alabama. Common wealth financial have not sent me a dunning letter but they have put a fraudulent account on my credit report.Common wealth financial do not have the authority to collect any money from me.Common wealth financial is guilty of racketeering, forgery, and obstruction of justice.Common wealth financial is in violation of the FDCPA and FCRA Violation of 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to Common wealth financial, Violation of 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to Common wealth financial. Violation 15 USC 1692e ( 2 ) ( A ) False representation of the character and amount of the alleged debt, Violation of 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties.And a violation for collecting on behalf of another company 803 of fdcpa.Acccording to the FDCPA 1692H I am owed money for all violations
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I reviewed my credit report on XX/XX/XXXX and I noticed some incorrect inquiries and not accurate. and according to the fair credit act whenever a consumer reporting agency prepares a consumer report it shall follow the reasonable laws and procedures required to assure the maximum accuracy of the information concerning the specific individual about whom the report relates. These inquiries and/or accounts are as follows : 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 and according to 15 USC 1681s-2 A person shall not furnish any information relating a consumer reporting agency if the person knows or has reasonable cause that the information is inaccurate. 
check the attachments below
Consumer complaint received 2022-03-01
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. (VA)

In accordance with the Fair Credit Reporting Act ( FCRA ), the following ( 4 ) Creditors have violated the rights afforded to me by the FCRA.

NOTE : The " Account details '' for the 4-Creditors listed below are noted in the following " Fiar Resolution '' section of the complaint.

The following Creditors have violated the rights afforded to me by the FCRA : XXXX. XXXX XXXX XXXX  - Account Number : XXXX. 
XXXX. XXXX XXXX - Account Number : XXXX. 
XXXX. XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) - Account Number : XXXX. 
XXXX. XXXX XXXX XXXX ( Original creditor : XXXX ) - Account Number : XXXX. 

***The ( US Consumer Laws ) in accordance with the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A ( Section 2 ). States that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B. States that acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-11-16
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 (TN)

Have called daily since XXXX and only one call back. The rep on the call back told me she would have to turn me over to the legal department. This involves a purchase from wal mart grocery that was canceled and the hold amount on this card was XXXX. Wal mart has provided the transaction info showing the amount presented to capital one and capital one refuses to process the transactions from wal mart.
Consumer complaint received 2020-12-09
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: BTH Management (VA)

On XX/XX/2020, PLAZA SERVICES add a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA PLAZA SERVICES has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2020-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I disputed the account XXXX ( XXXX XXXX XXXX XXXX {$1100.00} with XXXX, XXXX  and Transunion and the incorrect information is still there. I do not know who XXXX ( XXXX ) is. I have never signed an agreement with XXXX ( XXXX ). They should NOT be on my credit profile. 

I disputed the account XXXX ( XXXX/XXXX  XXXX  XXXX ) ( {$760.00} ) with XXXX, XXXX  and Transunion and the incorrect information is still there. I do not know who XXXX ( XXXX ) is. I have never signed an agreement with XXXX ( XXXX ). They should NOT be on my credit profile. 

I disputed the account XXXX/XXXX XXXX XXXX with XXXX, XXXX  and Transunion and the incorrect information is still there. I do not know what this XXXX/XXXX XXXX XXXX account is. I have never signed an agreement with XXXX/XXXX  XXXX XXXX. They should NOT be on my credit profile. 

I sent disputes about the above accounts on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The errors still exist
Consumer complaint received 2017-12-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

I FELL BEHIND ON MY MORTGAGE PAYMENT FOR 2 HOUSES I OWNED, IN XXXX, ARIZONA. THE MORTGAGE WAS HELD BY XXXX XXXX XXXX. 
XXXX PUT ME ON A 6 MONTH FOREBEARANCE PLAN FOR EACH PROPERTY. I MADE ALL OF THESE PAYMENTS ON TIME. THEY WERE LOWER THAN MY USUAL PAYMENTS. 
AFTER THE 6 MONTH PERIOD ELAPSED, THEY ASKED ME TO RE-APPLY FOR THE LOAN. I DID, THEN THEY DID NOT APPROVE THE NEW LOAN, TOLD ME TO STOP MAKING PAYMENTS, THEN THEY TOOK BOTH PROPERTIES. 
I HAVE YET TO SEE ANY DOCUMENTATION, AS FAR AS THE DISPOSITION OF THE PROPERTY IS CONCERNED. I DONT KNOW IF THEY FORECLOSED, OR WHAT.
Consumer complaint received 2017-12-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Santander Consumer USA Holdings Inc. (NY)

I was involved in an accident in XXXX which totaled my vehicle. My car insurance paid off {$3300.00} of the car, leaving me owing {$4400.00}. When they received my insurances payment, Santander took it upon themselves to lower my monthly payments instead of using that amount to cover x amount of the loan, leaving me to still have to pay for the next 3 years. Also because of the accident, it has left me in a position where Im making significantly less money. I contacted the company prior to my payments being late, and asked about deferring my loan for 3 months to get myself caught up, but I was told that I must be in default before they would be able to look into a deferment for me. When I was 30 days past due, I requested a deferment again, only to be told that I do not qualify without any explanation as to why. I have had my car loan with them for over 4 years, and have always made my payments on time. Now this is effecting my credit score, and I dont know what to do since Im so far behind that its goihg to continue to reporting 30 days late until I can pay 2 months in a row.
Consumer complaint received 2023-01-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I disputed inaccurate information that was being reported by XXXX different creditors on my consumer reports with the XXXX XXXX XXXX TransUnion, initiated over 6 months ago, and I never received any correspondence that the investigation was started or completed and there is no evidence on my recently ordered credit reports that an investigation was ever conducted. It is my right under the Fair Credit Reporting Act to dispute inaccurate information. I sent letters to dispute inaccurate information on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to no avail.
Consumer complaint received 2022-03-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Comerica (MI)

comerica bank XXXX XXXX direct express card services is adding fraud alerts to freeze customers accounts to gain money in bank intrest i am now one of those victims this is XXXX XXXX crimes ab=nd the abuse of XXXX people