davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (CA)

These are the new interest charges that I have been charged within the last few months starting XX/XX/2020 {$160.00} in interest, XX/XX/2020 {$160.00} in interest, and XX/XX/2020 {$150.00} in interest with American Express. When I recieved this card last year they made it seem as if I would not be charged interest on purchases for a certain amount of months for the balance on the card, not that they would BEGIN charging interest on the balance at a certain date. This is pretty confusing I believeand was not made clear, probably as to entice people accumulate a high balance which could then be charged interest later on. 

So because I have recently been charged this high amounts of interest I called American Express and asked if they could close my account and give me a bill for my balance that I could pay. I was told that this would not be possible, that I would have to let my account default and ruin my credit or I would have to enroll in some sort of program " with the illusion of relief. '' I have been paying my balance down in good faith but with these very high interest charges, my balance basically stays the same though I pay the card down and I continue to be charged the same amout of interest every month making my balance remain stagnant. 

I would simply wish to close this account, and receive a bill that I can make reasonable payments on without a negative effect on credit reporting as I am willing to pay back the balance, and I have been doing so in good faith.
Consumer complaint received 2019-08-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (ND)

I borrowed {$1200.00} from them on XX/XX/2019. The way I understood it, they would take 3 payments of {$410.00} and then I could call in and pay it off, so that I wouldn't have to pay anymore interest. I called them XX/XX/2019 and asked if they could pay the remainder of the loan at the end of the month, here I find out the remaining balance is right around {$1900.00}!!! I was flabbergasted! I was thinking I probably owed them $ XXXX- {$400.00}, holy XXXX! Was I wrong! I also understood that they were going to take the payment at the end of each month, but they took it twice a month. Which I can't afford, so I've had to pay NSF fees too on top of all of this!! I will never, ever do such a stupid thing in my life again, ever! Wish there was some way to get around paying all this interest! It is crazy and highway robbery!!
Consumer complaint received 2019-08-15
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: EQUIFAX, INC. (LA)

I have disputed with Equifax regarding a account I had with XXXX in XXXX. The amount on the account was {$370.00} which was charged off. Equifax states that a payment has not been made on the account since XXXX. How would they know if the information that they have only dates back to XXXX. I have disputed 2 or 3 times and each time the information changes but it is still incorrect. They have my first delinquency reported as XX/XX/XXXX, which is incorrect. When you look at the calendar for the payments the charge off started in XXXX of XXXX which is also incorrect. I have not paid on this account since XXXX.
Consumer complaint received 2017-12-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (MI)

During the time of XXXX XXXX and now we know XXXX XXXX since he presented a purchase agreement to XXXX XXXX in his handwriting and they alluded to XXXX XXXX at XXXX XXXX XXXX XXXX, mi XXXX and back at that time in XX/XX/XXXX and XX/XX/XXXX I made several calls and mailed you plenty correspondenced seeking answers about the supposed sale. 

Please provide answers in writing of the sale of XXXX by XXXX and his daughter XXXX XXXX both list on the covenant deed as husband and wife.
Consumer complaint received 2019-08-15
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: AES/PHEAA (TX)

Sent a dispute on XX/XX/2019 requesting validation and hearing regarding a letter I received from PHEAA threatening garnishment. I received a response back on XX/XX/2019 with proof that the debt is not as much as being reported on all three credit bureaus. PHEAA is reporting my balance as {$55000.00} I received a statement only showing {$29000.00} and that amount I do not feel I owe. No printout of interest, no breakdown of classes I had taken showing why my balances are {$29000.00}. My credit report is not accurate, and I requested correction a fair hearing to make the adjustments as necessary. ( This account is for the Puerto Rico division only ). 

Also, in my letter I sent a request to no longer contact me by phone and I'm getting constant phone calls still by personal. Violation of Cease and desist as given in my last letter. 

Please see attached letters to this file. 

POA on file for my acting agent, XXXX XXXX.
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I have for the past 3 months been trying to access my credit report from Transunion. I have submitted my passport id, my drivers license, my credit statement, my electric bill, my verification of address through their email and mail. 

I have no luck accessing my credit report through them. I have lost an apartment and had to pay double on a deposit in another because they couldnt get access through them. 

I have reach to XXXX and they said they couldnt pull one from them either but XXXX and XXXX can and they provide me the info. But certain places trust transunion and they will not give it
Consumer complaint received 2019-08-15
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Associates Loan Servicing LLC (OK)

Received a notice that the company purchased the account and turned it over for collection. The letter states that the the last payment was made on XX/XX/2006. There is no judgment against me for this. The statute of limitations has run out. They have had 13 years to contact me and this letter does not seem legitimate. I do not recognize the original creditor. Contacted them requesting original documentation, but the verification process required me to provide them with information they do not have. The verification process was odd. I called them with an attorney present and they kept putting us on hold to speak privately. They refused to send the documentation unless I provided them with an email address and my current phone number. I believe by contacting me at this time the new company is attempting to " re-age '' the original loan.
Consumer complaint received 2021-09-06
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. (NV)

To Whom It May Concern Good day to you! I have written to all 3 Credit Bureaus to update my address to only. I told them that I have no idea why the collections were on my report because I never lived at the addresses on my report, and that I sent them a letter from a clerk at the court stating that they do not verify with the Credit Bureaus and I have not received any reply as yet. Today is XX/XX/XXXX and I wrote the letter since XXXX XX/XX/XXXX. The issue has been going on since XXXX. I have 31 hard inquiries and I dont know how it got on my report. Im a XXXX XXXX veteran and Im tired of dealing with the stress each day with them not correcting my name and personal information. 
Thank you! 

Very Respectfully, Concerned XXXX XXXX Veteran
Consumer complaint received 2019-08-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (NC)

XX/XX/2019 I opened up a checking account with Chase Bank. I received an account number, set up direct deposits to this account and downloaded its App. XX/XX/XXXX I tried logging into the Chase App and I was prompted to call a number because my account was locked due to suspicious activity. The first time I called the representative repeated my social security number back to me, which I thought was odd for a company to do for security reasons and then she informed me that my account was closed but couldnt explain why. I went online to get a Chase customer service number because the apps prompt to call seemed fishy to me, for the brassiness of the first representative and the lack for personal profile protection was beyond me, I couldnt help to think I was being scammed. Talking to the second directed representative, I was informed that my account has been closed due to internal review but they couldnt tell me why. I asked several times to speak with someone in regards to my concern but they said Mam there is no one you can talk to other than us and the bank has made its decision I asked based on what? What is the reasoning, I have a right to know why. They kept saying its confidential, but its my confidential information that Im demanding. They couldnt direct me to underwriting, tell me how they come to their decisions, they just told me no and thats it. I even asked if they will send me a denial letter stating why, they had no answer for me whatsoever. I am beyond upset to be treated this way and I am scared about my personal identity being compromised. They said suspicious activity on the app well what does that mean? Im worried sick!
Consumer complaint received 2021-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I a natural person, consumer and original creditor pursuant to 15 USC 1692a demand you to remove all late payment ( s ) from XXXX XXXX XXXX. Be advise pursuant to 15 USC 1666b ( a ) ( b ). 
A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I am a victim of identity theft. Someone has access to my personal information and is ruining my credit. I have no knowledge of what or who this could be. I filed an FTC report and sent an Identity Theft Victim 's Complaint and Affidavit, notarized with certified return card. I haven't gotten any mail notifications from the Equifax from my previous complaints filed here and sent through certified mail.
Consumer complaint received 2019-08-15
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: MONEY SOURCE, INC., THE (FL)

DATE : XX/XX/XXXX TO : THE CONSUMER FINANCE BUREAU FROM : XXXX XXXX XXXX XXXX FLORIDA / XXXX XXXX XXXX XXXX XXXX RE : XXXX XXXX XXXX XXXX XXXX XXXX AIR Duct removal and installation Job XXXX XX/XX/XXXX PLEASE HELP PLEASE HELP PLEASE HELP PLEASE HELP 1 - XXXX XXXX XXXX of XXXX said that my moms air conditioning needed new Air Ducts XX/XX/XXXX 2 - Mom is XXXX years old - Gets XXXX a month from Social Security Benefits All that she has 3- Estimate was XXXX 4- Mom could not get financing on her own She did not consult an attorney nor let me know. 
5- XXXX suggested the XXXX program, a government program for home maintenance loans 6- She was approved by XXXX who did not qualify my mom for the loan or give details on payments or give her a copy of the contract by mail. They said she would be billed through her tax bill the following year XXXX. 
7- Ducts were installed 8- Tax Bill came in XXXX that specified her normal taxes of {$500.00} plus the loan fee of {$1600.00} due. 
9- She could not pay the additional fee on the bill. 
10- Speaking to XXXX she told them she could not pay this bill 11- They said she may have to sell her house 12- XXXX also forwarded a negative balance of {$1600.00} to my moms reverse mortgage account with ( The Money Store ACCOUNT XXXX ) 13- I helped her file for bankruptcy six months ago through Upright Law but their attorney would not help. 

Please Help - Yours truly, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-05-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Carter-Young, Inc. (FL)

I was initially unaware of this debt existence until I decided to take actions to improve my score to get my dream home. I then disputed the amount of the {$230.00} of utilities for I was unaware of this charge. I was not given any information nor proof on how they proved that the debt was mine. It was just placed on my credit as an open account, hindering my score as it is considered a delinquency. I didn't know that it was still lingering in my account until yesterday. According to my report, it was opened XXXX
Consumer complaint received 2022-10-10
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: Consumer Adjustment Company Incorporated (TX)

On XX/XX/2022 I received a notification from my XXXX app saying that a collection hit my account for XXXX. I have not been to XXXX so I dont understand why XXXX is hitting my credit. I called XXXX and disputed the collection of of my credit. Not only did it drop my credit tremendously but it showed on my account again today. I believe I am a victim of identity fraud. I have reported identity fraud before and this is getting really frustrating. I shouldnt have to worry about my score dropping due to something that does not belong to me.
Consumer complaint received 2021-12-02
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: CBC Companies, Inc. (MO)

Factual Data has now run a hard inquiry on my credit 2 times in the month of XXXX without my consent. 

Filed a complaint with the CFPB after they didn't fix it the first time and they got the inquiry removed. 
When I saw the second one come through on XX/XX/2021, I requested they remove it, which they agreed to do, but its now XX/XX/XXXX and the inquiry has not been removed. 

The company needs to stop running my credit, without a reason to, and request my consent if they do need to run it. 

I was shopping for a home loan this month, and was very frustrated to see the inquiry had dinged my credit score. I have been guarding my score very closely.
Consumer complaint received 2021-12-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I closed an account with XXXX XXXX back in XXXX. When getting ready to return all the equipment, I inquired about equipment that they had mounted/attached to the floor joists downstairs. The representative told me that I didn't have to return it as that equipment is no longer used with the upgraded technology. 

On XX/XX/XXXX, I received a collection notice from XXXX  XXXX XXXX : # XXXX. I called them and told them I couldn't owe XXXX  anything because my account is on automatic withdrawal from my checking account and has been that way for two years. I then called XXXX  and inquired about the collection. Finally after further investigation I found out it was for a modem that was attached in the basement. On XX/XX/XXXX, I returned that equipment to XXXX Receipt # XXXX filed a resolution document with XXXX XXXX  and provided all the information to them on the return. 

On XX/XX/XXXX, I contacted the credit bureaus and disputed the collection since it hadn't been removed. XXXX removed the collection. XXXX  and Transunion have not. I think I provided enough information and justification to have this removed.
Consumer complaint received 2017-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE (NY)

I filed a complaint # XXXX about Barclays Bank. The original issue being I was having medical hardship starting XXXX still going through the medical issues I am gaining on health. I have been a loyal customer for over XXXX years and all I received from XXXX was a insulting phone call from XXXX XXXX XXXX XXXX @ XXXX X XXXX. What good is filing a complaint when the company does not explain in detail what could of been offered a year ago when I began my medical hardship. I had a XXXX prescribe over XXXX worth of out of pocket scripts in. XXXX, {$XXXX} worth or out of pocket costs in XXXX. I have no understanding how a bank can not help a consumer pay a debt I was {$XXXX} off being able to make the amount due and they did not work with me. I was locked out of my account and requested all my documetation, refused and ignored by XXXX. I called her back numerous times to understand ... and then I receive an answer that says contact the collections agency ... She is the worst example of a customer support indivual for a XXXX liaison to the consumer. I want to reopen this and get this rectifed. I want all my memos from them, It is totally unacceptable to treat a loyal paying client while struggling to live.
Consumer complaint received 2019-08-09
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

I applied for a loan modification. I submitted the paperwork and they received it on XX/XX/XXXX. On XX/XX/XXXX I got my first packet ( dated XX/XX/XXXX ) in the mail requesting more documentation. I called the company to explain it would take time for me to get these further documents because of my divorce and current restraining order against my husband ( becasue of XXXX XXXX  ). They told me the foreclosure was on hold once the application was received and to just get the additional paperwork in as soon as possible. On XX/XX/XXXX I mailed more documents out, due to arrive XXXX. On XX/XX/XXXX I received my second packet ( dated XX/XX/XXXX ) in the mail requesting more documents. On XX/XX/XXXX received an email asking for further documents. I emailed all the documents I could get on XX/XX/XXXX out. That same day I got a call from my fathers wife ( who live XXXX minutes away ) alerting me to foreclosure paperwork ( dated XX/XX/XXXX ) that was left at their house for me. This is duel tracking as I was told foreclosure was on hold when the application arrived, yet the foreclosure was still pushed through.
Consumer complaint received 2017-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (IL)

I have a hard inquiry for a Walmart credit account. I 've never had one or applied for one. Please check this out for me, so this can be removed from credit report. 
Thank You XXXX XXXX
Consumer complaint received 2020-11-22
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I disputed with the XXXX and with the creditors the referred accounts, and requested proof of consumer contract or proof of debt as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. 

XXXX Acct XXXX XXXX responded to my request that no documentation was available. 

XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX did not respond to my request. 

Capital One Bank NA Responded that they were not able to send proof. 

Under Section 611 ( 5 ) ( A ) of the FCRA you are required to " ... promptly DELETE all information which can not be verified. '' I have didputed these accounts with XXXX and they always respond that the creditors " VERIFIED '' the account. 

I HAVE NEVER ASKED FOR VERIFICATIONS, I HAVE DEMANDED PROOF OF ACCOUNT AND OF LATE PAYMENTS. NO PROOF IS EVER PRESENTED.
Consumer complaint received 2019-08-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: VEROS CREDIT, LLC. (CA)

Veros Credit LLC hired XXXX XXXX XXXX XXXX XXXX XXXX to repossess my vehicle. The thing is I have never done any business with any of these companies. I have my title and my registration, I purchased this car from a private seller. 

I contacted the XXXX XXXX Sheriff 's Department and they asked to to call XXXX XXXX to fix the issue, however XXXX XXXX and Veros is yelling at me and not helping to fix the situation. 

I have bought this car legally and registered it, I rented this car through XXXX and Veros stole the car from my customer. 

Seeking assistance to solve this issue and get my car back. 

Thank you