davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (TX)

American Express has failed to apply my benefits as a protected borrower under the Military Lending Act ( MLA ). 

I have called them several times and spoken many of their representatives both on their general help line, dedicated SCRA line, and Platinum Card line. In addition, I have attempted to chat with them on their website regarding the issue. Each time I have been told to utilize the SCRA application on their website however I am on XXXX XXXX and have a credit card account hence I am seeking MLA benefits not SCRA. The system detects I do not have a loan from Amex and tells me a few days later via an auto-response email that I am ineligible for SCRA protection. I told the representatives this on the phone and they instead chose twice to file the application themselves which only led to the same auto-response. 

Finally, on XX/XX/XXXX I had decided enough was enough and that I had grown tired of the same result from Amex representatives. I called the Platinum Line and told them I wouldnt hang up until this had been resolved. The representative said that MLA benefits should have been applied at the time of application and even went as far as questioning if I was sure I was on XXXX XXXX. Obviously MLA benefits were not applied at the time of application because I still have this {$550.00} fee on my account. Then, she said it wouldnt be possible for her or anyone else at American Express to apply the benefits afforded to me by law to my account since the system didnt detect I was in the military when I applied. 

There is no question on the application regarding current military service and duty status. Instead, to my understating the application relies on an auto response from a flawed government system solely based on your name, birthday, and SSN.

I asked her to at a minimum to delay the fee until I was able to sort this out and she said that would be impossible to do. I simply want the protections of the Military Lending Act applied to my account.
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (CA)

LexisNexis keeps putting someone else who has a completely different name from me, different address and driver 's license number on my report. And it has caused so much trouble for me for my auto insurance. Their dispute process takes 30 days to process.
Consumer complaint received 2021-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (SD)

I am a XXXX American and my stimulus and 3 months worth of XXXX was stolen when my chime card was stolen and they refuse to do anything. saying that I didn't give enough proof that It was fraud. 
enough evidence was given with dates from extremely reputable sources. Legally I am to be shown as " in good faith '' since I in good faith used chime to hold my money. 

fraudulent transactions stealing someone's XXXX money it's not very much, but this company is a joke as far as disputing anything they always deny. And we as consumers suffer.
Consumer complaint received 2018-06-11
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: SYNCHRONY FINANCIAL (FL)

An identity theft dispute with full documentation including a valid Limited Power of Attorney, authorizing XXXX to dispute the account on XXXX XXXX 's behalf was submitted to Walmart / XXXX XXXX via fax on XX/XX/2018. Over the course of the next 2 months, Walmart 's Fraud Department was contacted on several occasions in order to determine the status of the fraud dispute. We were told the dispute takes 60 days, during which time the account would not be removed from the credit history of the victim. This is in complete violation of the Fair Credit Reporting Act. Now that we have passed the 60 day mark, I contacted Walmart 's Fraud Department once again only to be told that I could not obtain the status of the dispute as the Limited Power of Attorney was still on review and had not been 'approved ' whatever that's all  about.
Consumer complaint received 2019-05-13
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. (AR)

In XX/XX/2019 I notified Transunion Credit Reporting to stop furnishing my Credit report to XXXX XXXX XXXX 's and I continue to receive them by mail. I want this stopped!!
Consumer complaint received 2019-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (MA)

Dated : XXXX XXXX XXXX XXXX Attn : Consumer Dispute Dept. 
XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX REF : Good Will Please! I'm Stressed! I Don't know! 

RE : ACCT # XXXX ==> I dont recall this account ever being late. You are reporting inaccurate information that is ruining my credit and I demand you remove this inaccurate information immediately from my credit report. 

Dear XXXX Management Team / Elan Financial SVC, I was advised to write to you by your customer service department concerning my credit rating with your company that was recently reported late on XX/XX/XXXX for 30 days and XXXX XXXX. I have enjoyed a credit account with you guys for a while now. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been! 

Unfortunately, last month, I was in a financial dilemma due to some unforseen and, may I say, unexpected emergency with some family issues, where I had to change my bank account and told the representatives there at the bank to notify the credit card department of such change due to automatic payment. As a result my payments to you were marked delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid and made sure to fulfill my obligation to ensure that your company suffered no loss. I'm actually in the process of closing on my new house within the next 30 days, and this is REALLY setting me back now. I really need your help on correcting this mistake which honestly I thought it would never happen because I had adviced my Banker to notify you guys with the New Account Info. I was told not to worry, as it was my first time that they would take care of it. Nonetheless, now have have those negative marks on my creidt report. 

I am thankful and appreciative for the positive credit history that I have obtained through your company but now those late marks on my credit reports are causing me tremendous stress : ( I am trying to purchase a better home for my family, but the negative remarks are hurting my efforts. PLEASE PLEASE HELP! 

This is where my " Goodwill Request '' comes in. I desperately need this and I would be extremely appreciative if you would please remove the lates from your records and request that the credit bureaus remove them from my credit reports as well. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction from you guys. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. 

Kind regards, XXXX XXXX XXXX
Consumer complaint received 2024-03-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (NC)

My automatic and manual student loan payments are not being accepted by AidVantage and are listed as " payment reversals '' in the payment history. I scheduled autopayments and noticed my balance wasn't decreasing and payments were overdue - I repeated this and ensured all info was correct both by myself and with a customer service rep. I re-scheduled the autopayments to verify info was correct, double-checked my bank, and submitted numerous manual payments. NONE were accepted, my balance is increasing, and no money was withdrawn from my linked accounts. 

Dates of payment reversals and total balance : XX/XX/24 Total balance {$59000.00} XX/XX/24 {$59000.00} XX/XX/24 {$59000.00} XX/XX/24 {$59000.00} XX/XX/24 {$59000.00}
Consumer complaint received 2018-02-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (CA)

I was informed today by my homeowner 's insurance company that my mortgage company did not make the required and properly impounded payment. When I contacted my mortgage company regarding their error I was told they had changed vendors, however they informed me this change had occurred AFTER my payment was due. They were unable to correct the issue and told me my only avenue was to have the insurance company contact THEM.
Consumer complaint received 2016-10-14
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Capital Accounts, LLC (AL)

Got a call from Capital Accounts LLC. They we 're really rude during the call and said that I needed to take care of a business matter in order to avoid legal actions that will be taken against me by the end of business. They said it was for a {$160.00}. I 'm a XXXX year old with lots of health problems that do n't need this kind of stress or threats.
Consumer complaint received 2021-07-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (AL)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2019-05-13
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. ()

I have contacted the major credit bureau multiple times requesting an investigation to verify fraudulent account debt, as I asked who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. The accounts are listed here below. XXXX XXXX : XXXX, XXXX XXXX : XXXX.
Consumer complaint received 2019-05-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (IL)

Every single day Synchrony has been calling me from various numbers more than five times daily. They hang up on the answering machine as well. They're robocalls sometimes because when I pick up the phone it hangs up on me when I attempt to talk to a live person.
Consumer complaint received 2018-06-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (PA)

I have been trying recertify with XXXX since XXXX. Last year I had asked to be placed into forbearance when I could not afford payment until XXXX until after I filed my taxes " married but filing separate ''. XX/XX/XXXX, I submitted my initial application to recertify after my forbearance ended. I called to make sure it was received and the gentleman I spoke with said yes and it should be around $ XXXX/month. XX/XX/XXXX comes around and then I get a letter I was denied because I did not make a " intermittent '' payment. The gentleman I spoke with initially in XXXX did not mention this. I would have been more than happy to make an affordable payment. I am now told to recertify again. I ask that it be expected due to the company error. They state they will do what they can so I send in my information again. I am now placed into the wrong plan and an even higher payment I started with. They ask me to recertify again. I have do it again- this time they say they did not get it and I am placed into standard plan and I selected that. Even though when I log in it shows that I selected income plan and I have a screenshot stating this. Also, I received an email and I have a screenshot from the company that I am now in " grace period '' until XX/XX/XXXX. Last I checked we are in XXXX!!!! This company is a fraud and does not know what they are doing. I am contacting a lawyer.
Consumer complaint received 2020-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (PA)

On XX/XX/2020, Discover Financial Services reported my account as delinquent in the amount of {$3400.00} which is incorrect and the correct balance is {$3200.00}. I contacted Discover to agree to set up a payment arrangement on a different date due to my job being affected by Covid-19. However, they reported me anyway while I am still on a  payment plan.
Consumer complaint received 2021-07-13
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ECMC GROUP, INC. (TX)

Upon reviewing my credit report there are 4 opened/closed accounts ; originally owned by XXXX XXXX XXXX XXXX. The Company ECMC retrieved the dropped accounts and reopened them on XX/XX/2019 after I started a dispute against the loans with XXXX. I reached out to ECMC requesting that they provide me a signature of my approval of the loan but they couldn't provide a statement of account of my signatures attesting of ownership or a full account number of the schools documentation of attending the school. They did send a promissory note with my name typed in .... which is not my original signature nor ever sent to me via email or in person to sign. 
It is to my understanding that the report came from XXXX XXXX a school I have not attended. ECMC also disclosed that the review that I requested by the education department is still not yet clear if I am approved or not for student loan debt relief. The loan account number for ECMC is listed XXXX ... with the other numbers hidden. When I asked to give me the full account number for my report, they stated that they couldn't provide me with that information because it wouldn't help my case in submitting another dispute and insisted that your department will have the account information needed to process my complaint the account are as follows : Account XXXX. XXXX Account XXXX. XXXX Account XXXX. XXXX Account XXXX, XXXX Totaling : XXXX By the provisions FCRA15USC-section 1681I of the fare credit report act of 197, the items listed above be reverified and deleted from my record. These items do not belong to me. Also in FCRA 15USC-section 1681I part 5 and 6 states that I should be notified when the items have been deleted from my report.
Consumer complaint received 2020-05-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

Here is a brief summary of our complaint against Nationstar, which was originally filed through the CFPB on XX/XX/XXXX : 1. We feel like we were held hostage by waiting for approval until XX/XX/XXXX, literally the evening of the last day of the year. 

2. Nationstar stated the only option we had to save our property was an in-house modification which required us to request in writing our desire to opt out of the Tier 1 modification. Furthermore, they required a {$20000.00} payment up front.

3. The {$20000.00} payment was not applied to arrearages, but rather interest-only. We missed out on two years of earned equity. The arrearages were applied to the backend of the loan which put us into further debt. In addition, our principal balance was increased without any explanation ( please see attached payment history ).

4. After two years of paying interest-only, we were forced to reapply and start the process over, which yielded negative marks on our credit report, which impacted our ability to obtain loan and yielded higher interest rates.

5. We never received a complete response from Nationstar or resolution regarding the many issues we stated in the complaint.
Consumer complaint received 2015-07-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Asset Management Outsourcing, Inc. (GA)

XX/XX/XXXX auto accident, rushed to XXXX, XXXX insurances supplied to XXXX. XXXX doctors paid, yet XXXX Hospital did not file claims with either insurance. In XX/XX/XXXX received a letter from the Nationwide Recovery Service attempting to collect a debt. I informed them I was conscious and saw my spouse submit insurance cards to XXXX hospital officials. I subsequently over the phone gave Nationwide Recovery Service ( NRS ) my medical insurance information and they were to inform XXXX. I called both my insurance companies and found neither had a claim for my hospital to XXXX Hospital. And that I was not responsible for the bill because they had not filed in a timely manner only {$65.00}. But XXXX/NRS could send XXXX the bill ; however, the payment to them would be considerably less. They also indicated that because XXXX did not file and sent my name to a collection agency to pay, I could file a formal complaint with the Federal Trade Commission for Violation of the Fair Debt Collection Act because since XXXX doctors were paid, apparently they had my insurance info. I called NRS and passed on the info. XXXX XXXX asked if I was an attorney and if not, I could not say that. I said no I am not an attorney, but I do not have to be an attorney to exercise my rights. She then indicated she would contact XXXX and get back to me. I called on XXXX XXXX and XXXX XXXX and they gave me the same story, that I owed the bill. When I did not receive another bill from either XXXX or NRS, I assumed the problem had been rectified. When the XXXX hacked government retirees social security numbers a few weeks ago, I checked XXXX and found my credit score had dropped considerably and could not figure out why, until I came to the collection section. My credit reports reflects we have not been late on any payment since XX/XX/XXXX ( and that was because one of my credit company changed names and unbeknownst to us, we send payment to the old creditor mailing address ). I attempted to call XXXX for XXXX weeks ; however, the call would drop after holding for too long. As a XXXX, I did not want to go downtown XXXX. Finally I visited XXXX on Thursday XX/XX/XXXX. Upon speaking with XXXX at hospital, they indicated that accident bills were normally sent to their attorneys, and they had not filed the claim in a timely manner, therefore, the charge will be removed. I specifically asked about the collection company and my credit report. She indicated NRS would delete the charges and contact both credit bureaus to remove the debt. Spoke with NRS, they have deleted the debt but indicated they were not told to contact the credit bureaus. How can I get this rectified? Firstly, this should be completely expunged from my credit report. It should not say paid or whatever and stay on there for XXXX years because my FICO score will remain
Consumer complaint received 2022-04-01
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. (NH)

On XX/XX/XXXX my credit score dropped XXXX points for no reason. Transunion Score is now XXXX  points lower than XXXX and XXXX, with the same reported information to all three bureaus. Transunion has failed to provide a reasonable explanation to why this is the case, other than its their proprietary scoring model that is causing the difference. 
Transunion refuses to fix or address the discrepancy or provide any transparency regarding the method in which scores are calculated, why the score dropped and why it is lower than the other reporting agencies. A large number of consumers on social media and consumer sites are complaining of Transunion Score being significantly lower than the other bureaus, or the score suddenly decreasing and fluctuating for no apparent reason, or for paying off loans to term and as agreed, paying off credit cards, or after having disputed information removed. Please open an investigation/federal inquiry to Transunion. Their scoring model is flawed, egregious and harmful to consumers, causing credit denials and higher interest rates.
Consumer complaint received 2021-02-09
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. (CA)

I contacted XXXX and notified them I no longer wanted this account. Apparently, the account wasn't actually closed and the annual fee was billed in error. I was contacted by XXXX 's collection department stating I was past due. Fortunately, the phone rep corrected the issue by refunding the fees and closing the account but I now see they have reported my account 90 days past due which dropped my credit scores 100 points.
Consumer complaint received 2024-03-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: KEYCORP (FL)

I got my tax refund deposited into a closed account at keybank. Keybank took the amount I owed them from the refund and sent me a check. I deposited my check on XX/XX/year> into my account using the online banking system on my phone. It said my funds would be available the next day after XXXX. I went to do a purchase and was told my account was on restriction. I called my bank in XXXX NY. They told me to call the fraud department to get it handled. I did, but the fraud told me to call my home branch where I opened the account. I did, but I was told to call another number. I did, that number told me to talk to my home branch. Nobody wants to help me give me my money. I live in FL and keybank is in NY. They kept telling me to go in person, but I can't. The check they gave me was from them. I have called so many numbers for keybank to get this resolved, but I keep getting the run around. Please help me get my funds? I need this for my kids. Thank you