davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (GA)

Hello, I signed up for a Delta Skymiles American Express Card on XX/XX/19. The signup bonus offer stated that I would receive XXXX Delta Skymiles after spending XXXX USD within the first three of the account opening date. 
I completed the required spending threshold by XX/XX/19, and I have yet to receive the promised XXXX Skymiles. 
I called the number on the back of my card ( American Express Customer Service ) on XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, and multiple times today XX/XX/19. The various representatives and supervisors kept telling me to either wait 6 to 8 weeks after the spend threshold has been reached to have that bonus posted to my account, per the terms and conditions of the signup bonus offer. Those 8 weeks have gone by, and American Express still hasn't resolved my issue. 
I'd be happy to provide detailed notes of all my interactions with Amex for each of the dates noted above.
Consumer complaint received 2019-05-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE RECEIVED A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENTIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY CREDIT REPORT. PLEASE REVIEW THE ATTACHED DOCUMENTS FOR THE DISPUTED ITEMS.
Consumer complaint received 2019-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2019 my bank account had some fraudulent charges on them due to someone making purchases at XXXX. I contacted the bank to dispute the charges and to get my money back. I was told that I would have the money refunded back on XX/XX/2019 and I would be receiving a new card. Instead when I checked my bank account I was overdrawn and had some overdraft fees. I then noticed that my account was still pending {$300.00} withdrawal but I had transferred {$300.00} into the account to cover any fees.
Consumer complaint received 2019-05-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TX)

On XX/XX/2019 i tried to send money to XXXX using the money gram app. I sent XXXX dlls and also i was charge XXXX for the transaction fee. The transaction was cancelled by money gram on XX/XX/2019 and they told me that i was getting a refund within 10 working day, after ten working days i didn't receive any money so i called them back, they told me to wait another 3 working days so they can figure out what happened. O call back again today XX/XX/2019 and they told the case was closed and that they dont have any money to refund because the transaction never happened. I called my bank and money gram charge my card on XX/XX/2019 for XXXX and never refund any money back. Bank transaction number # XXXX. Money gram reference number # XXXX. My name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX phone # XXXX.
Consumer complaint received 2019-05-30
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: Opportunity Financial, LLC (CA)

one inaccurate and fraud account name ( opportunity finance ) has been reporting under my name under my XXXX credit reports, it is under loan accounts, i have never had a loan that i have not paid, this is inaccurate and fraud account reporting under my name, please have this inaccuracy removed from my XXXX credit file thank you
Consumer complaint received 2019-05-30
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: Experian Information Solutions Inc. (TX)

When I tried to get my free annual credit report from Experian via the official XXXX web site, the web site claimed a condition existed which requires me to mail in a request for the report. I believe Experian does this to discourage people from requesting their free credit report, and I think they should be held accountable for this behavior. To resolve this issue, I would like Experian to allow me to download my credit report, or mail me a credit report at their expense. I would prefer to download the report, if possible.
Consumer complaint received 2019-09-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (OH)

I have consistently been paying more than the " monthly amount due '' on my PLUS loan. I understand that while my daughter is in school, I am only required to pay the interest, and expected that the overage was going to the principle. I tried to verify on Sallie Mae 's website that the overages were going to principle, but their website is very hard to navigate.

Today, I looked into it further and found that my " monthly amount due '' is less than my " unpaid interest and fees, '' therefore the overages were not going toward the principle.

I think Sallie Mae 's billing is purposefully deceptive and their website is purposefully hard to navigate.

Paying for a college education is hard enough without the lending institution misleading their customers.
Consumer complaint received 2019-09-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (TX)

I was a reluctant customer of XXXX for over 5 years despite the terrible service I received. We had cable internet and home security. From day one our home security was terrible. It was giving off false alarms and the police would have to be called. The internet was never as strong as we were told it was going to be despite paying extra for the boost service. I decide to disconnect my service and go with another provider. I paid my last bill and switched over. Months later I see that XXXX has submitted an entry to the credit bureaus of an unpaid debt. I contacted XXXX several times to figure out what this debt was and why I never received written notification of the debt. When I turned in my equipment I was never informed about a balance or anything. There was no written communication after that point. 

I have tried to resolve the issue although I feel XXXX is at fault for failing to notify me of any charges after I disconnected my service, XXXX is refusing to remove this from my credit report even if I pay the balance in full. They apologized if they dropped the ball, but the most they could do is update it as paid in full, This is unacceptable. 

I reached out to the collection agency that now has the account Credit Collection Services to get more information about the debt and they told me very little information as well other than they are collecting for XXXX. I tried to explain that I never received written notification that of this debt. I tried to resolve the issue requesting the full deletion of this from my credit report if I paid in full. They said they don't have the power to make that happen. I know that they have the power to negotiate those terms but they wouldn't even talk about that. 

This is affecting my credit and I am in the process of purchasing a home. I am willing to pay the account in full although I take no responsibility for the charges, I was not properly made aware of the charges and was not given the option to dispute the charges in a timely manner.
Consumer complaint received 2019-05-30
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. (LA)

I filed a dispute to Transunion and XXXX to have a bankruptcy removed from ny reports. I filed for bankruptcy in XX/XX/XXXX and I realized that it was a mistake, so I dismissed the bankruptcy and contacted the creditors and made arrangements with them and I was able to pay off all the debts at a negotiated amount. I been trying to get the bankruptcy taken off of my XXXX and transunion report for 2 years and they are refusing to take it off. Every time I ask them to remove it they come back and tell me that it's been verified as accurate and will stay on until XX/XX/XXXX. The last time I disputed it they sent me a letter in the mail saying that they won't keep checking the same dispute so I can stop sending in the bankruptcy dispute because they won't do anything else with that dispute. I paid off all the creditors and they still aren't willing to take it off please help me get this off so I can move forward with my life without this hanging over my head. Thank You
Consumer complaint received 2019-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (CA)

LexisNexis Risk Solutions ticket # XXXX Attempted to  get credit report for business via email and phone. 

They refused requiring verification of a non-existent form " certificate of existence ''. While there is a California " Certificate of Good Standing '', they refused to accept that form name and the non-US customer service agent, whom not familiar with laws, was unable to find the proper form. 

Wasted over 2.5 hours as a business owner trying to get our business credit report. 

Also, they requested me to send my Social Security, Utility Bill, Business Tax ID, and Drivers License # via unencrypted email. 

It's a shame that I need to expose my personal details on the internet, unencrypted, to get my business credit report.
Consumer complaint received 2019-09-21
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. (ID)

Experian is reporting a charge off from XXXX XXXX  that is not mine. I attempted to correct the problem with XXXX XXXX, which while acknowledging the problem over the phone XXXX XXXX did nothing to remove the bogus account and charged off a balance due that was not mine. Experian did nothing more than contact XXXX XXXX, which verified the debt. In my dispute I suggested that Experian demand documentation from XXXX XXXX that would support the balance due, such as loan documents, account statements, etc. ( which simply don't exist and which I requested from XXXX XXXX  and were never produced ). Experian has done nothing to truly investigate this dispute and has provided me with no information other than XXXX XXXX verified the claim. 
Furthermore, XXXX XXXX, has created a false history to support the bogus debt. I have no accounts with XXXX XXXX and haven't had since XXXX. XXXX shows a payment history up through XXXX on an account that is identified as a 60 month loan, that never occurred. I started receiving notices from XXXX in XXXX and promptly called XXXX XXXX   demanding they fix the error.
Consumer complaint received 2019-05-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (NY)

I have been sending documents from XX/XX/2018, to XXXX XXXX  for a loan modification or workout or some kind of help so that I would not lose my home. 
We sent at least 15 packages to XXXX, before they gave the loan servicing to Loan Care. 
Before XXXX gave the servicing to Loan care they pretended that I was approved for a loan modification. I waited and then Loan care came into the picture. 
WE sent the same documents to Loan care at least another ten times and now they have sent me a denial for a loan Modification : Reason - Max amount that can be modified by XXXX/LoanCare. 

I was never notified of any max amount for my loan to be modified.

I have been sending in documents continuously to save my home. 
If there was truly a max amount and my loan could not be modified because of it why was i not notified before? 
All of the workers gathering documents never once said a reason that I received in the denial letter. 
There are some very serious issues going on with XXXXLoan Care with the servicing of my home loan.
Consumer complaint received 2019-05-30
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. (FL)

AFTER REVIEWING MY CREDIT REPORT, I HAVE IDENTIFIED A FEW INACCURATE ITEMS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2019-05-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: C & M Associates Group, Inc. (TN)

Hello. Today I received the second of two calls from a company called XXXX, XXXX and XXXX. Also appears they operate as C & M Associates out of XXXX IL. This apparent debt collector is claiming I owe a debt from approximately 20-25 years ago. I explained to the individual on the phone that I have no knowledge of any such debt and found it very odd that through loans Ive secured over the years i.e mortgage, vehicles, etc. this record of debt never surfaced on any report from the three credit reporting agencies.I also proceeded in asking him to mail validation of this debt. Seemed like a logical request. He mentioned he already had and didnt intend to do so again. To be clear, I have no record of this letter he states he mailed. To top it off the amount hes claiming I owe is over {$9000.00}. At that point in the conversation he appeared to become aggravated and proceeded to threaten me with a lawsuit and wage garnishment asking me if I still worked at xxxxxxxxxxx. He went on to state I have plenty of available credit ( quoted that amount ) to pay what he was asking for. I explained to him that I have no intentions of paying anything without the proper supporting documentation, and at this point, it would be in my best interest to contact an attorney in hopes that we can get to the bottom of this. He hung up on me. Given what Ive learned so far and the failure for the individual to provide any form of meritorious documentation, Im suspicious this could be a scam.
Consumer complaint received 2019-05-30
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: International Computer Systems, Inc. (LA)

There is a paid collection listed on my report from XXXX with XXXX XXXX as the original creditor for {$140.00}. I never sent the payment to the collection agency ( XXXX XXXX XXXX ), I paid  XXXX XXXX. XXXX XXXX sent me a letter stating that the account was pulled back from the collection agency by them and that the collection agency can no longer report it. I sent proof of the payment and the letter to XXXX, along with the other two bureaus in the form of a dispute letter. XXXX and XXXX deleted the account. XXXX   did not. 

The FCRA states that information reported must be accurate and complete ; updated and verifiable. It also provides a dispute mechanism initiated by the consumer through the consumer reporting agency and through the furnisher of information. 

As detailed above, I have disputed the information for the referenced account, with both XXXX XXXX XXXX and XXXX directly. I have exhausted all recourses provided for resolution of erroneous information and still the information remains on my XXXX consumer report. The FCRA provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violations of its provisions. 

It is evident that the information reported can not be verifed because the payment was not made to XXXX XXXX XXXX, and therefore must be deleted as required.
Consumer complaint received 2019-05-30
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Absolute Home Mortgage Corporation (VA)

I have a Reverse Mortgage with a balance of {$580000.00} - my home is in the City of XXXX, current assessment is at about XXXX XXXX, Market value is approximately XXXX XXXX. My age is XXXX. 
My monthly statement shows that my negative Principal and interest is {$2400.00} Monthly mortgage insurance Premium is {$600.00} Absolute Mortgage continues to call and offer a refinance. 
Virginia State Corporation Commission # XXXX, I give them all my information, they say nothing is available to refinance to remove the MIP ( I do not want any cash out! ) because of my AGE!! 
But they continue you to call and offer to help me refinance. 

My loan increase at just under $ XXXX per year ( including PI+MIP ) at that point it would take - 10 years to even approach XXXX - I would be XXXX old! 20 years to come up to my 2019 assessment when I am XXXX! 
And still, they continue to call weekly to off a refinance package. 
This company trades in deceptive solicitation, and probably age discrimination.

BTW, I live with in a 10 minute drive of the XXXX campus.
Consumer complaint received 2019-05-30
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Summit Financial Corp. (FL)

Loan was taken out 3 years ago in a used car for acct number ending in XXXX! At start of loan told it was 7 percent interest rate and have only recently when loan is almost paid off been told that all my extra payment went to interest rate which was not what I agreed to! I have requested over and over and been denied copy of signed Car document showing interest rate or my signature acknowledgment! This means that as I got years thought that this loan was being paid off early due now! They are saying that in three years I have only paid {$2000.00} towards principal robbing me of funds, denying me access to file and now selling my loan to a new company who are charging me more with no proper notification and threats on a loan Im paying on! Im confused as to who truly owns this loan notification is not a message in machine to date no letter has been sent showing me 0! They refuse to show me the agreement of purchase and are now angered that Im asking for this and why my balances are incorrect? Charged me for a XXXX XXXX worthXXXX at time of purchase doubled the price on a used vehicle!
Consumer complaint received 2019-05-30
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. (TX)

Transunion is reporting incorrectly that I am 30 days past due on the XXXX - partial account number XXXX. ( Please see pages 21 and 22 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-05-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

I am having trouble with Fedloan serving and my income driven repayment program and my loans in general. Last year for XXXX I submitted pay stubs and schedule of retirement payments for my self and my wife 's pay stubs and payment was {$XXXX}. I did the same thing for XXXX pay stubs and schedule of retirement payments for myself and pay stubs for my wife. Payment for XXXX is {$XXXX}. No employment or pay changes for either of us I have called the Fedloan servicing trying to get an answer as to why, I can not get a good answer. Today I was told I will make {$XXXX} more in XXXX then XXXX. That is why my payment has changed. 

I receive around {$XXXX} a month retirement and receive {$XXXX} an hour working XXXX. My wife makes about {$XXXX} a day as a XXXX XXXX working the XXXX year. The last week of XXXX to first week of XXXX. 


The loans I have were also consolidated before they should have been. I was told they could not change this because it is to late. 

I seem to get different answers to my questions when I call.
Consumer complaint received 2019-05-30
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. (TX)

Equifax and XXXX are reporting an incorrect coding of the XXXX   XXXX/XXXX partial account number XXXX. This account actually needs to be coded as an M1. ( Please see pages 4 and 5 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-05-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: URS Holding, LLC (CA)

Debt owed to XXXX XXXX for XXXX. This debt collection agency Named Alltran financial started calling my work and also my wife who has nothing to do with my debt. They also called my father and I have already stated to all my companies to NOT call my work address. I would like to fine a complaint for calling cell phones soliciting payments from my wife and dad and also calling my work where I have explicitly stated to NOT call.