davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-03
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 (IN)

On XXXX, I was approved for an American Express Gold Card Membership with a promised : 1 )  XXXX Membership Rewards Points for {$2000.00} spend in the first three months 2 ) 20 % cashback as a statement credit on all restaurant purchases up to {$100.00} in the first three months. As of XXXX, I was notified by one customer service agent that I was not eligible for the sign up bonus. This information was never communicated to me either through email, the American Express portal, or though certified mail. This was escalated to a supervisor who indicated that the XXXX Membership Rewards points bonus would supposedly hit two to four weeks after XXXX ( when the spend threshold was hit ) and the {$100.00} statement credit would post in 8-12 weeks. Then they notified me that the bonus was rescinded because a late payment from XX/XX/XXXX. This issue was already previously rectified with another agent, where I had set up an Automatic Payment in the system, but failed to realize it wouldnt fire off until XXXX. Upon discovery of the issue on XX/XX/XXXX, I immediately made the payment in full to rectify the issue, so the issue was considered a misunderstanding/miscommunication and closed. I was told that there would be a follow up in 2-3 weeks. CASE # XXXX XXXX After not hearing back from 2-3 weeks, on XXXX conversation with American Express front end customer service. Verified that spend requirements were met and bonus should be on account. Back end needs to follow up and verify bonus to be applied to account XXXX XXXX # XXXX Called XXXX into the rewards and customer service department. At first, they claimed there was no record, then they claimed the closed the investigation. No resolution was communicated and nothing was added to my account.
Consumer complaint received 2020-12-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Holloway Credit Solutions (AL)

I disputed the account and requested debt validation and verification of all reporting details on my credit report. The company did not provide the appropriate documents to validate this debt or verify the reporting details such at the original agreement with my signature, the agreement between this company and the original creditor that shows this company has any legal right to collect this debt.
Consumer complaint received 2023-09-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (FL)

Good afternoon. 
I have a mortgage loan with Freedom Mortgage and my loan number is : XXXX. I didn't have any escrow with my mortgage when I started my loan as I had over 30 % equity on my property. I always paid tax and insurance for my property. My monthly payment is {$1500.00} and I always paid my payment on time with automatic payment method with my bank. since XX/XX/2023, Freedom Mortgage started withdrawing {$1900.00}. I noticed that in XXXX and called the customer service and they said that they didn't receive my property insurance documents and that's why they added escrow in my account. I uploaded my insurance docs in their message center as they didn't receive my postal mail earlier. I requested them to refund my extra payments they already took and remove escrow from my account. They refused to refund my money and remove the escrow. instead, they kept me waiting for hours on the phone and kept transferring me to different agents. After back and forth with a lot of calls and messages they still refusing to solve the issue. now my XXXX payment is due and they still didn't fix the problem. They sent me a message saying my request to remove escrow has been denied. Later I read all the horrible customers reviews about the company and found that I am not the only victim of their illegal demand. They are still charging me escrow for insurance and I already have insurance for the property. Please help.
Consumer complaint received 2019-02-27
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. (TX)

I originally mailed a letter to TransUnion on XX/XX/XXXX to dispute negative information on my report by the US Bankruptcy Court regarding two bankruptcies listed on my report ( this letter is attached to this complaint for your review ) .The letter was signed for on XX/XX/XXXX. TransUnion 's deadline to respond to my dispute was XX/XX/XXXX. I had not heard from TransUnion by the deadline date of XX/XX/XXXX, so I sent a second dispute letter on XX/XX/XXXX, which was signed for on XX/XX/XXXX ( this letter is attached to this complaint for your review ). During this time I received a response letter from TransUnion on XX/XX/XXXX dated XX/XX/XXXX verifying the entry being reported under the U.S. Bankruptcy Court, which is way past the response deadline of XX/XX/XXXX ( this letter is attached to this complaint for your review ). TransUnion to this date has not responded to my second dispute letter dated XX/XX/XXXX. The deadline to have respond to my second dispute letter was XX/XX/XXXX. As you can see TransUnion is unwilling to properly investigate my dispute within a timely manner and has chosen altogether not to respond to my second letter I sent to them. They are in complete violation of the FCRA rules and must delete the inaccurate reporting of the two bankruptcies outlined in my credit report asap.
Consumer complaint received 2019-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

XXXX has 7 hard inquiries on out XXXX, Experiean, and XXXX credit reports for an attempt to finance an auto loan. According to the FCRA, these should not all be listed as hard inquiries and are related to a single attempt to get financing. They should be removed from the report as they are impacting my credit score.
Consumer complaint received 2020-10-26
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. (LA)

I have notice that i have a medical bill on my credit report that has been affecting my credit score.I haven't gave anyone my consent to share medical information with third-party consumers.This is a violation of HIPAA and it should be removed from my XXXX, XXXX, and Experian credit reports.Its been well over 30 days since I've received any results regarding my dispute with the 3 major credit bureaus ; XXXX, XXXX, and Experian.
Consumer complaint received 2019-03-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NY)

Mr. Copper is engaging in dual tracking and not in compliance with Loss Mitigation Procedures. Federal Law Restricts Dual Tracking. I have appealed the denial within the required 30-day time frame. Mr. Copper received the Appeal Letter but has not responded to my appeal letter dated XX/XX/XXXX, Therefore, I have not exhausted the appeal process. I also fully submitted documents again for mortgage assistance. Mr. Copper has not stopped the foreclosure sale scheduled for XX/XX/XXXX. The Consumer Financial Protection Bureau, which was established by the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010, issued mortgage servicing rules that, after being codified into federal law, went into effect as of XX/XX/XXXX. Among other things, the rules restrict dual tracking. The servicer can't start the foreclosure process if a borrower submits a complete loss mitigation application and the application is pending. This means that if you submit all of the required paperwork, the foreclosure can't start until the servicer informs you that you're not eligible for any loss mitigation option ( and any appeal you make has been exhausted ) you reject the workout option that the servicer offers to you, or you accept a workout but fail to comply with the terms of the deal ( like not making payments during a trial modification ). 12 C.F.R. 1024.41 governs a servicer 's response to a loss mitigation application. 12 C.F.R.1024.41 ( c ) ( 3 ) ( I ) ( D ) ( 2 ) provides that where a borrower makes application and a judicial foreclosure has already been commenced, " the servicer can not conduct a foreclosure sale before evaluating the borrower 's complete application. '' Further, 12 C.F.R.1024.41 ( g ) prohibits a servicer from either holding a foreclosure sale or moving for a sale if a borrower makes a loan mitigation application within certain time constraints.
Consumer complaint received 2019-02-25
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. (CA)

I requested to have this loan deferred due to a financial hardship I am experiencing currently and I was under the impression that the loan was under a deferment however I recently checked by credit report and there are multiple 30 day lates and 60 day lates which are greatly affecting my credit score. I am worried because even after I have contacted XXXX, XXXX  and TransUnion via letter to ask for a verification of late payments. The loan should have been in deferment during the time the credit bureaus are reporting the payments late. I feel this is unfair, unacceptable and inaccurate reporting which is affecting my credit score and will in the future affect my ability to get credit due to these bogus and unvalidated late payments. 

To date XXXX nor XXXX, XXXX or TransUnion have responded to my letters sent over 60 days ago asking for a validation of these late payments and the method of verification not XXXX used as per in compliance with the Fair Credit Reporting Act regulations, FACTA, FDCPA regulations.
Consumer complaint received 2019-02-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NAVY FEDERAL CREDIT UNION (TN)

A deposit from my employer hit my checking account on XX/XX/XXXX. On XX/XX/XXXX XXXX took every dime remaining in my checking account to offset a credit card charged off in XXXX. Tonight, XX/XX/XXXX my tax refund hit my account. As soon as they money was available, XXXX automatically took out another lump sum of {$1800.00}. After calling and speaking with several representatives, including XXXX XXXX, XXXX in the credit card department and XXXX in XXXX XXXX, no one was able to give me any information nor provide the original signed disclosure stating it was too old to view. Ms. XXXX in the collection department was completely rude, aggressive and disrespectful. Stating that maybe you should actually open your mail then youd know what was going on when I told her I had not received any letters from them about settling a credit card debt. She was very unhelpful and EXTREMELY unprofessional. I Also let them know that they can not garnish wages without a court order to do so and was told its not a garnishment but an adjustment which constitutes the same thing to me because theyre taking everything I have in my checking account to offset a credit card debt leaving me unable to pay bills, childcare and put food on the table for my son. According to 12 CFR 1026.12 ( d ) ( 2 ) For a security interest to qualify for the exception under 1026.12 ( d ) ( 2 ) the following conditions must be met : i. The consumer must be aware that granting a security interest is a condition for the credit card account ( or for more favorable account terms ) and must specifically intend to grant a security interest in a deposit account. XXXX of the consumer 's awareness and intent include at least one of the following ( or a substantially similar procedure that evidences the consumer 's awareness and intent ) : A. Separate signature or initials on the agreement indicating that a security interest is being given. 

B. Placement of the security agreement on a separate page, or otherwise separating the security interest provisions from other contract and disclosure provisions. 

C. Reference to a specific amount of deposited funds or to a specific deposit account number. 

None of the above were in the disclosure. The security agreement was # XXXX on page 2, was not separate from the other provisions, did not have to initial or sign next to it, and no reference to a specific amount or account was made. This is just preposterous. How are they able to do this? Things like this cause job loss and homelessness.
Consumer complaint received 2019-03-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Card Receivables Fund Incorporated (NC)

I received a letter from two companies, Unifund CCR LLC claiming that they are servicing an alleged debt for another colIection agency by the name of Distressed Asset Portfolio III , LLC. owe them money. This company claims to be servicing an account in my name and that they are the current owner of the account. It appears that these companies are selling accounts. I am in the process of filing a police report. I have heard of companies trying to report consumers to the Internal Revenue Service for unwarranted alleged debts. Please forward this matter to all regulatory agencies involved. 

I do not know nor do I have any relationship with either of these agencies. I have not given any of my personally identifiable information to either of these companies. Another company XXXX XXXX XXXX XXXX is the first company who said they sold the account to Unifund CCR LLC. I have filed an Affidavit of Identity Theft with the federal Trade Commission. I have not authorized any of these agencies to use my personal information. Please inform me if this is legal since I have no knowledge of who I owe ; how I owe, or if I owe anything at all. 

Thank you.
Consumer complaint received 2019-02-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (DC)

In XXXX of 2018 Navient debited my account for my monthly installment 2 days before the payment due date. I had more than enough money in my account to cover the payment but for some arbitrary reason then 'reversed the payment ' without any notification that there was a problem on their end. Then I receive a message AFTER the payment due date saying that I've missed payment. I call in only to told there is nothing I can do about the incurred interest due to a missed payment even though I didn't miss a payment. I know it sounds petty to worry about the incurred interest but when you have almost 90,000 in student loans and the interest rate is nearly 7 %, I need to worry about every single penny of my balance.
Consumer complaint received 2019-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I lost my money in my bank account when they tried to change from XXXX XXXX to XXXX. When I called them they put me on around and sometimes put me on hold without coming back. 
FYI, I lost on my investment account with capital one investing for about usd 400. And I lost around usd 500 in my checking account with Capital one bank. 
I am registered in the institution as XXXX XXXX XXXX. 
Kindly investigate. My suspicion is they make a big mistakes on changing from regular systems to XXXX systems. 
Thanks very much for your attention Best regards, XXXX XXXX XXXX
Consumer complaint received 2019-02-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NM)

I have been making monthly payments since XXXX and have proof of same. Navient is claiming that I have not made a payment since XX/XX/XXXX despite the fact that I have not missed a single payment from XXXX XXXX-present ( and have even directed Navient to apply additional funds to certain loans ). I have confirmation emails and proof of withdrawal of funds from my bank account. I have tried calling multiple times and can not connect to a representative - on three separate occasions Navient disconnected me from the call. This in unacceptable.
Consumer complaint received 2019-02-26
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: Radius Global Solutions LLC (FL)

To whom it may concern On XX/XX/XXXX Radius Global Solution put me in to collection for the amount of {$1700.00} Reference number XXXX This is not My bill, I spoke to XXXX XXXX XXXX in XX/XX/2018 and expanded to the lady that this is not me it was my son which has the same name XXXX XXXX XXXX XXXX D.O.B. XXXX S/S # XXXX XXXX XXXX she said that it was his bill not I received a notice form XXXX  that my Credit score went down I called Radius Global Solution and informed them of the era and filed a report # XXXX and with XXXX  Dispute Center in early XXXX report # XXXX and was told it would be removed. 
I received a letter from XXXX dispute results and nothing changed As of now there has been no correction Please help this is preventing me from acquiring a good interest loan
Consumer complaint received 2022-08-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

I was a victim of a fraudulent check scam. Scammers were paying for furniture I was selling and sent me fraud checks that had more money than the item of the furniture. I was selling a bed frame for {$100.00} and the scammers sent me a fraudulent check for {$1100.00}. The scammers had me pay movers the extra amount of money through XXXX This extra amount was {$970.00}. Since the checks are fraudulent, I was in fact just paying the money straight to the scammers since they had me convinced I was paying movers with their money. The scammers took advantage of the chase mobile app for depositing checks and clearly designed checks that would be able to be initially approved.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2019-02-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harvard Collections, LLC (TX)

Harvard Collections Department of Human Services This was a debt for over payment of foodstamps which was paid of by subtracting foodstamps benefits from me. I have wrote in disputed this amount with the company I requested for paperwork along with a itemized over payment schedule. If I owe this amount I'm the sole owner. After reviewing reports from the specific location Where I sign up for the Foodstamp program a host of employees were caught for collecting foodstamps at there clients expense. This is why I ask for proof on paper of this so call over payment. All of a sudden this claim has been deleted. I requested for this to be taken off my credit report since Department of Human Services did not respond to my many request. This case was not fraudulent this matter was uncertain.. I love the fact when collection are being drop of my report but I like explanations. Was I right did Department of Human Services make a mistake. If not I will like confirmation in detail of this overpayment so I can rectify this situation.
Consumer complaint received 2019-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I submitted a dispute to advised one of my creditor was paid in full as of XX/XX/XXXX XXXX which I open XX/XX/XXXX. The balance showed on my experian acct as XXXX I then get a result stated it came back as accurate 2days after I submitted the dispute which they didn't even verifiy with the creidtor so I called XX/XX/XXXX and spoke to a rep who 3 way the call with me and the creditor who confirm the account has been paid off in full the experian rep stated he will process the account as closed/never late paid in full well I gor the result back XX/XX/XXXX and he submitted the update for the wrong account an account for XXXX   that I had already paid in full last year prior to opening another loan I need this to be resolve Experian is no help anytime I try to update correct issue this is the 3rd complaint I had to report because of thier incompetent
Consumer complaint received 2020-10-20
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Rocky Mountain Recovery Group (WA)

I had a emergency XXXX at XXXX XXXX XXXX in XXXX, WY in XXXX of XXXX, I was given financial aid for this XXXX. They didnt notify me until almost a year later that my XXXX was not covered and started call hours of the day and some night and sold my debt to Rocky Mountain recovery services and they did the same things over and over again, calling multiple times in a day and threatening me and would yell at me over the phone. I believer writing a complain against them before sometime in XXXX or XXXX. 
XXXX XXXX XXXX XXXX