davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (GA)

Ive personally been a client of American Express since XXXX possessing multiple cards including their highly touted XXXX  card. Ive never been late or close to it in those 15 years as a client. My employers company card is an American Express XXXX  card which allow me as an employee to use the card for business purposes only and the company pays the card balance. Evidently my employer paid some of the company credit card balances late in XXXX and American Express tacked on late fees to the balance. Please note every card transaction was paid by my employer but American Express continued to bill late charges on top of other late charges totaling {$520.00}, again all of this is late charges on a company credit card. Now American Express is coming after me for this balance After months of badgering me about a company credit card balance I regrettably gave in to the collection agency ( XXXX XXXX XXXX ) that had started reaching out to me on behalf of American Express. We had an arrangement, I sent the check as promised for the agreed upon amount and date Only to later find out that American Express had taken the account from this collection agency and gave it to another collection agency. This practice has continued over the past 4 months which includes 3 different collection agencies. Additionally XXXX XXXX hasnt cashed nor returned the check I mailed to them. 

I think these practices are unjust and unfair on multiple fronts and I would like to have these resolved as soon as possible : Why am I personally being billed for a company credit card where the transactions have been paid in full?
Consumer complaint received 2017-12-20
Product: Mortgage — Conventional home mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

This complaint has nothing to do with the choices I selected, I just picked them as they were the closest to my problem. I went bankrupt in 2004. My mortgage was XXXX XXXX XXXX at the time but it was being serviced by Capital One. My mortgage was not involved in the bankruptcy at all and I continued to pay the payments monthly. After the bankruptcy XXXX XXXX XXXX refused to show my escrow info on line. I was blocked out of the account. My  mortgage was turned back to XXXX and I was on line for a short while, until they decided to do the same and block me out of my account. Since that time XXXX has forgotten to pay my taxes, and I had to get a call from the town to get them paid. 2 ) forgotten to pay my flood insurance and I was notified by my insurance broker and had to get that fixed. Lastly, this past week I found out I had a negative escrow balance because Capital One has paid 3 flood  insurance policies at about {XXXX} each. I am now in the process of fixing this. I feel this practice of punishing me because I went bankrupt ( which had nothing to do with the mortgage ) and not allowing me to monitor my own escrow account is ridicioulus. This is my money in the account and obviously this bank need work on handling my escrow account and paying bills on time- or not paying bills in triplicate! Please advise. Thank you I have any and all documentation I can send you if needed. XXXX
Consumer complaint received 2023-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

I deposited a physical check from the State of Delaware. It was my paycheck. I received a physical check because I am changing my direct deposit. I was not told that there would be a hold on the check, but they are holding the check I deposited on XX/XX/XXXX until XX/XX/XXXX. I have bills to pay that are not being honored by the bank despite having my money.
Consumer complaint received 2021-05-05
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: STATE EMPLOYEES CREDIT UNION (VA)

I have received a copy of my credit report and it shows company STATE EMPLOYEES CRED U account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$8800.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2021-05-05
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. (VA)

I have reviewed a copy of my credit report and I show company XXXX XXXX XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Consumer complaint received 2021-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have reviewed a copy of my credit report and I show company XXXX XXXX XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Consumer complaint received 2023-02-01
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. (LA)

Account closed with lender on XX/XX/2022. Account remains as opened with Experian. Have filed disputes with Experian, but pursuant to a vague response of result, account continues to show as open. Just contacted ( today ) lender. Said had to wait. Despite 3 disputes, Experian does not update account status. So bouncing between lender and credit agency, despite having provided copy of lenders letter confirming closing of account.
Consumer complaint received 2022-07-20
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (MA)

My savings account was suddenly closed by Citi bank after I tried to transfer funds from my Citi savings account to another account ( something which I had done in the past, but with smaller amounts ). Without warning or communication, my savings account was closed on XX/XX/2022 for " suspected fraud '' and I was unable to access my money or online account. After calling Citi many times, the representatives told me that my remaining funds ( ~ {$5000.00} ) would be sent to me in the mail in 30-60 business days. After explaining to them that this was not fraud, proving it was my account, and telling them that it was unacceptable that they would hold onto my money for so long ( money which I need for food and groceries ), they said there was nothing more they could do and that I just need to wait the 30-60 business days. Today is XX/XX/2022, well over 60 business days from when Citi closed my account and I still have not received my money. The stress and frustration this situation has caused is immense.
Consumer complaint received 2019-08-14
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I applied for a Kohls store credit card at the store on XX/XX/2019. There was a snafu in keying in annual income, so the store personnel had me repeat the application process, and told me the credit issuer would send me an email asking for annual income. We waited several minutes for the email, and it never came. I waited for either an inquiry from Kohls or the credit card itself thinking they may have obtained what they needed. They never came. 

I received two denial letters Sat, XX/XX/2019, and called their customer service # on XX/XX/XXXX and XX/XX/XXXX. I was connected both times to their voicemail, and told to leave my contact information, and to expect a return call. I made these calls during business hours, and havent received a return call. 

One denial letter states the reason Excessive Obligations in relation to income. 
The other denial letter states reasons 1 ) Available credit on open revolving accounts is too low ; 2 ) No usable real estate account ; 3 ) Time since oldest revolving account opened is too recent ; 4 ) No retail revolving accounts with a valid credit amount. 

Kohls letter states my credit score is XXXX. Kohls issues their credit cards through Capital One, N.A. 

I have four credit cards ; the ones I use most frequently are a Venture Capital One Mastercard, currently with a balance of under {$50.00}, and an XXXX Mastercard, issued through XXXX, currently with a XXXX balance. I use the Capital One card frequently, and pay the balance as soon as I receive my merchandise, and have NEVER carried a balance over to the next billing cycle, nor have I paid any interest on a balance. I use the XXXX XXXX XXXX occasionally, and have never carried a balance to the next billing cycle, and have never paid interest on a balance. Im not certain how old these two accounts are, but Im sure its at least 1-2 years or longer. Ive had the same checking account for 35 years and have never bounced a check. 

Our home and cars are paid for. My husband and I owe nothing to anyone. 

Kohls claims they made their decision on information received from XXXX. I requested my XXXX report today. 

I havent been able to resolve this since Kohls hasn't returned my calls. There is no option to wait on the line for the next available representative, as all other companies I deal with do. 

Im concerned this issue will affect my credit score, and concerned that Kohls is not responsive to my requests to resolve the denial issues.
Consumer complaint received 2021-05-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: STATE EMPLOYEES CREDIT UNION (NC)

ON SATURDAY, XXXX XXXX WHILE BALANCING MY ACCOUNT VIA TELEPHONE i DISCOVERED THAT A CHECK FOR {$480.00}, written XX/XX/XXXX to XXXX XXXX XXXX XXXX was outstanding. the balance in my account indicated that {$480.00} that I deposited on XX/XX/XXXX was also missing. I called the 800 # spoke with fraud division also explaining that there is a pattern I noticed in my account when this happened XX/XX/XXXX re : ck # XXXX for {$50.00} and previously, when this occurred randomly XXXX ; XXXX. What happens is check written but remAINS OUTSTANDING beyond what I consider normal ( longer than 10 business days ) however the money ( I deposit to cover check goes missing first. ( I suspect they work with someone inside banlk who gives them cash for check. ) Check is presented and bounced. I have to cover check to clear up problem in account which means I have paid 2X for face value of check not to mention any other fees or problems. On Saturday because the representative saw no " large/unusual " activity he referred me to representative at local bank " who will set down & review with me my register. '' I refused having been through this before. Asked about audit of account and was told they don't do that. Problem not solved. I suspect a thief within the system who has gotten away with this for years.
Consumer complaint received 2021-05-05
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. (AZ)

Ive been trying for the past two years to get Experian on top of my credit and help repair. XXXX & XXXX  are both up to date shower over 750 credit score and Experian is the only one not working with me.
Consumer complaint received 2020-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services (GA)

Mercedes Benz Financial Services is reporting an erroneous late on my credit file. I set up my account with auto pay as I do with all my accounts to avoid any late payments and when I checked my credit file I noticed a XX/XX/20 late. When I noticed this late I called and paid it immediately and even paid a couple month in advance to make sure this issue never happened again. XXXX did not notify me of this late until the late notation had already been reported to my credit file. As a customer who makes ALL of her payments on time this was very disappointing because I had no idea of this late until it ruined my credit. If I would have known there was some sort of issue with my auto draft I would have fixed it to avoid this late notation. I am asking that you please remove this late as a one time courtesy for your long time customer.
Consumer complaint received 2019-08-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP (NY)

Leased a vehicle from Acura of XXXX on XX/XX/XXXX, On or around XX/XX/XXXX, I decided to go to the dealership and inquire about purchasing the leased vehicle two months before lease contract was up. Residual value ( buy out price after lease was up ) on original term lease was at {$30000.00}. The payoff amount on XX/XX/XXXX was {$32000.00}. The deal was done and I was informed that the bank had agreed to the loan and I will now be financing said vehicle. Dealer listed new cash price of {$39000.00} ( including the tax ) on the new finance contract. I do not understand how this amount was generated as the loan for the buyout on the lease was {$32000.00}. That is a difference of around {$7000.00}. I did not agree to any other number and was well aware what the buy out price was. I did agree to an extended warranty and I know there were dealer, DMV fees involved so I didn't think much of it when I signed. After now reviewing this contract I see that none of those fees I just mentioned above are even incorporated into that {$39000.00} and were then tacked on to make the new loan amount to {$41000.00}. They are very pushy to get you to sign and did not even give me a copy of the contract on that day. I did not even get to see contract again until recently when I was able to look at me account online. I am now paying around {$70000.00} for a vehicle that was leased to me at a price of {$48000.00} back in XXXX.
Consumer complaint received 2019-08-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NV)

I got 1 payment behind in my mortgage so I was making additional amount each month to catch up. I had done this in XX/XX/XXXX & XX/XX/2019 with the final one to be done in XX/XX/XXXX. My monthly payment is XXXX and for those 3 months I was making a payment of XXXX which was the normal payment of XXXX and 1/3 of the missed payment. 
The XX/XX/XXXX payment was made twice. It was my error but I have not been able to fix the issue. I received a letter from Shellpoint stating that they would be refunding me the XXXX extra that was made in XX/XX/XXXX. It has never happened. They call me constantly asking for my payment and I keep explaining that they have my extra money sitting there. Finally at the end of XX/XX/XXXX I asked them to apply the XXXX to XXXX 's payment and the extra XXXX to XXXX 's payment since they were not making good on the letter stating the money would be refunded to me. They call me on a daily basis to ask for my payment. I received a call on XX/XX/19 stating that I still owed an additional XXXX. I asked if this would make me current through XX/XX/XXXX and they stated that it would as the extra money was from the original overpayment. I paid it over the phone and the amount has come out of my bank. I received a call again today asking me for my XX/XX/XXXX payment. When I tried to explain the situation yet again they can not see where any of this happened and I was put on hold for quite some time so the person could " talked with a manager. '' I am over the incompetence and stupidity and I want my account fixed. I have attached the original letter I received from them explaining that the money would be refunded.
Consumer complaint received 2022-04-02
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

his consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2022-04-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

his consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2021-05-05
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. (VA)

I have reviewed a copy of my credit report and I show company XXXX XXXX  account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Consumer complaint received 2022-04-27
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: EQUIFAX, INC. (MD)

accordance with the Fair Credit Reporting act XXXX Account # XXXX and XXXX h

as violated my rights. 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-05-04
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: EQUIFAX, INC. (TN)

After viewing my credit report, I am not happy to see credit inquiries that I did not recognized. My personal information was impacted by Equifax data breach, someone has access to my credit and its ruining it.
Consumer complaint received 2019-08-14
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: Pono Ventures Inc. (HI)

I have disputed with AR Recovery Solutions regarding the inaccuracy of the entry they are reflecting on my credit report (See attached letters).  AR Recovery has yet to respond to my letters; however, my certified receipt tracking verifies that they were indeed in receipt of my disputes.  In XXXX  2019 and as recent as XXXX 2019, I have requested that they provide validation on the alleged debt entry that are blatantly reporting on my credit report and violating my consumer rights.  To date, AR Recovery has not provided an agreement that reflects their authority to collect on this alleged debt, they have not ever sent a dunning letter to me notifying me that they were attempting to collect a debt; further violating my consumer rights as I have the right to dispute the validity of any entry on my report.  They have not provided me with the alleged account number, the original delinquency date, agreement with signature of the alleged debtor, verification that this debt was assigned or sold to collector, nor have they provided the complete accounting of the alleged debt.  

Again, this is my second request to them after disputing this entry with the credit bureau.  AR Recovery is negligent in their reporting as well as in ensuring they follow consumer law.  To that end, since this company has had over 120 days to respond to my previous requests and have yet to so, this entry should be DELETED IMMEDIATELY FROM MY CREDIT REPORT.