davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-30
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 (FL)

I did not receive the " {$0.00} Plan It fee '' offer that was advertised on my American Express Platinum Card, despite having complied with all terms. The " Plan It '' program allows cardmembers to split up their balance into monthly payments over the course of 24 months each with a fixed fee instead of the monthly interest charge that credit card issuers traditionally charge. On my particular account I was offered a promotion that states " your monthly fee for any new plans created from XX/XX/XXXX to XX/XX/XXXX at XXXX MST ( the 'promotion period ' ) will be {$0.00} for the duration of that plan. '' In other words, an offer for XXXX XXXX interest for 24 months ( i.e. the plan duration ) on any charges made during that period of time and enrolled into the Plan It program. I have been offered similar promotions on my other American Express cards in the past, and have successfully taken advantage of them without issue. On or about XX/XX/XXXX, I charged {$16000.00} on my American Express Platinum card and chose to use this card SOLELY because of the availability of the Plan It promotion. But for the offer of 24 months with a {$0.00} Plan It fee, I would not have made the charge on this card. Yet now that the transaction has posted, I am unable to create the plan and split the charge up into 24 monthly payments with a {$0.00} Plan It fee as was advertised. When I contacted American Express by phone on XX/XX/XXXX and spoke with a representative named XXXX XXXX, I was told that this is because the charge exceeds my " Plan It limit. '' Yet the " Promotion Terms & Conditions '' does not disclose any such Plan It limit, nor even suggest that one applies. To the contrary, my card states it " has no preset spending limit '' and while American Express reserves the right to decline a charge if it exceeds a certain amount such that the spending limit is not theoretically unlimited, this charge was approved. Nor has my prior experience with the {$0.00} Plan It promotion given me any indication that this would have been an issue, as this {$16000.00} charge is LESS than the more than {$20000.00} in {$0.00} fee Plan It plans I had previously created during or about XX/XX/XXXX ( and have almost entirely paid off ) on my American Express XXXX XXXX  XXXX. American Express should promptly enroll this charge into the 24 month Plan It program with the {$0.00} fee as advertised.
Consumer complaint received 2020-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX  XXXX {$410.00} XXXX  XXXX XXXX {$350.00} XXXX  XXXX {$240.00} XXXX XXXX  XXXX {$150.00}
Consumer complaint received 2020-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I have received notification from my credit monitoring agency ( XXXX XXXX ), there was an inquiry reporting to my TransUnion credit file XX/XX/2020. A fraud investigator from my credit monitoring agency assisted by calling XXXX XXXX to have the account and inquiry marked as fraud. 
The account was removed like committed but inquiry is still listed on my credit. 

After 120 days a dispute letter detailing that included a copy of my Social Security card, Copy of Driver license, and Copy of Utility Bill ( proof of Identity ) were mailed. 

On three separate occasions this has been mailed. 
Dates Mailed : XX/XX/2020 XX/XX/2020 XX/XX/2020 All three Letters have shown they were delivered to correct Address for Transunion. 
Unfortunately there is no way to communicate with XXXX at the moment. 
With the help of my credit monitoring agency, we have attempted to speak to someone calling numerous numbers and have not been successful. 

It has been 277 days and inquiry still remains on credit.
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (IN)

I received a call saying that owe money to a check cashing place. The number was XXXX and left a message stating I owed money to them on several accounts. I called them back at the number they provided XXXX. They had my social security number and birthday date. Did not have my address. Tried to get it from me. I got off the phone and looked up the numbers and found out that it was a scam. Last year utilities were open in my name in Texas. I disputed it, but it is on my credit. I called the number back today and they got all mad saying they wasn't a scam. I looked up the address that was on the documents they text me and it for a XXXX in North Carolina and the company was called XXXX XXXX XXXX doesn't assist. 
The address on the documents isn't mine either. 
The phone number on the form is XXXX.
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MO)

My home address and employment is wrong my home address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (PA)

My name is XXXX XXXX have a personal & XXXX account with Chase Bank. Yesterday morning after multiple failed attempts to pay bills. I double checked my account via the Chase app. To my dismay I see that my account has a negative balance of {$49000.00}. I contacted Chase to find out what was going on. To my dismay my account was frozen. It appears that Chase has allowed a Garnishment on my account. I stopped by a Chase branch to pick up a copy of the order. To my surprise the order is not mine. The XXXX order has listed a social security number which is not mine and a name that is not mine. Also this order has business listed that I have never been associated with. There is a section that has a name similar to mine but not mine. The Attorney who ordered the Garnishment listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX not associated with me or my business. With that being said my business is not a XXXX but an XXXX. It's is its own entity. Which is protected from anything to do with this other person. It appears the the garnisher thought by listing a XXXX that it would make it easier to gain access to my accounts. Again Chase should have never allowed this account is its own entity. None of the personal identifiers match including social security number names or addresses. This should have been a red flag to Chase bank. This needs to be rectified immediately. Also this court order was issued by a court outside of my home state which is XXXX. A New York state XXXX XXXX should not be enforceable. My other account business is for an LLC based out of the state of Wyoming. Again a XXXX XXXX XXXXXXXX order shouldn't have been enforceable. Also myself nor my business has never done business with the company who sent the Garnishment order over to Chase. That companies name is XXXX XXXX. However Chase is at fault for not questioning the information they were provided.
Consumer complaint received 2020-11-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (FL)

I opened an application to refi my home on XX/XX/20. All financial and personal docs were delivered to the Amerisave on the very same day via their portal. I also paid the obligatory {$500.00} Application fee. After that, I never heard back from the Loan Originator and spent the next 63 days with zero to minimal information on my loan status. I was constantly sending emails but never getting any answers. 

At day 63 from my original application, I reached out by text to my Loan Originator XXXX and he responded that since I applied online, his commission was really low and I was therefore not at the top of his list of priorities. ( Text images are attached ) I called customer service department the next day during working hours to inform them on what had occurred and to request a new Loan Originator or a refund of my {$500.00}. 

The next day, I received a call from an AmeriSave VP named XXXX who then assigned a new Loan Originator named XXXX. I have never heard from XXXX although I have called several times and written several emails to try to complete my refi. 

I called customer service again and was told they would pass the message along to XXXX the supervisor and XXXX the Loan Originator. There is no way to reach anyone of authority at this company that can help. Today is the next day and I have not heard from anyone at AmeriSave. 

* AmeriSave Mortgage took my hard-earned {$500.00} * I am fully qualified and documented to close my refi * I can not reach anyone at AMERISAVE Mortgage to assist in obtaining even a simple update on the status of my account I * I am paying a hefty fee to do this refi and expect better service * There is no reason this file has been moving so slowly and without any clear communication from Amerisave. 
* I do not need any Loan Originator to do me a favor, I am playing well for the service and expect professional behavior * I would like to speak with a Loan Originator to properly setup my Disclosure that is still incomplete If this is not possible, then I would like my fee refunded immediately The lack of professionalism and consideration of this Mortgage lender is beyond reprehensible and someone should take a closer look at this operation.
Consumer complaint received 2020-11-04
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. (GA)

experian is reporting mortgage balances as too high when i have only XXXX XXXX  ( XXXX XXXX XXXX ) specialized mort was bought and paid in full by XXXX which was bought and paid in full by XXXX XXXX XXXX, experian show specialize was bought/transferred to another office thus appearing i have more than one mortgage balance which is not correct -thus lowering my score, the other two agencies report this correctly experian score shows XXXX points credit score lower than transunion and XXXX  on this date, experian was slowest in removing inquiries-i just requested XXXX be removed within last couple of weeks ( they just removed them )
Consumer complaint received 2022-11-30
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: RMS-Recovery Management Services, Inc. (FL)

i requested the contract between RMS And i but yet i received my tuition bill which should be private due to it having my personal information on it. it also came back verified even when i asked them to conduct a proper investigation which was never conducted nor provided to me as requested. I do not have any business contract with RMS nor have I given RMS and XXXX university the permission to share such PRIVATE information nor did I receive any notice about there being a possibility of my PRIVATE information to be given out to strangers. they also mentioned they sent me mail to an address that i do not reside in since 2015 and a missouri address in which i don't reside in, which shows that i've never had any contact with this RMS company before because if i did they would have an updated current address. i demand them not to contact me on matters not contracted by RMS anymore and remove this account from my report.
Consumer complaint received 2020-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP (CA)

This fraudster continues to harm me by fraudulently reporting " false personal x XXXX credit card balance '' every month for last 6 months to credit bureaus. This fraudster never stops violating FCRA. Now I am going to sue this fraudster for repeated FCRA violations.
Consumer complaint received 2022-12-28
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. (GA)

I revisited my credit file and to my dismay, I see damaging reports that you failed to either CORRECTED or REMOVED. Under FCRA it is my right to dispute and take proper legal actions against any inaccurate and missing information in my report. I am asking you guys to perform a logical investigation on these accounts.
Consumer complaint received 2022-08-15
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. (IL)

I received a copy of my credit reports, to my surprise these credit bureaus are reporting these accounts listed below inaccurately. These collection accounts is reporting not only as open but also shows a past due balance. According to the FCRA, I have the right to an accurate credit report. Please delete these accounts immediately from my credit report. I have provided attachments to this complaint of proof of inaccurate reporting on my credit report. 

Account : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account : XXXX  XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX
Consumer complaint received 2020-11-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NM)

I am a victim of identity theft. I have no idea who this person or persons are! I have resolved quite a few accounts this person/s has opened in my name. This is one of the last accounts I need to resolve!. I never apply for credit cards I never thought it was possible and above that have no desire to get myself into debt! I do not have one credit card and I pay cash for everything I own. Or use a pre paid debit card to pay for a couple of things online. I am a single mother who's income is low and I survive on what I can afford. Who ever is defrauding your company is getting away with it and leaving me holding the bag! I have never heard of this company before I found it on my credit report. I can't believe someone could spend {$1100.00} in my name and get away with it! This is with Original Creditor : XXXX XXXX XXXX, XXXX  CURRENT OWNER : MIDLAND CREDIT MANAGEMENT INC. PHONE NUMBER : XXXX WHO SENT A LETTER OF DEBT THAT IS IN MY NAME FRAUDULENTLY ON XX/XX/2020. I REPORTED FRAUD TO XXXX XXXX ON XXXX XXXX
Consumer complaint received 2020-11-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I obtained an online loan approval from Bank of America on XX/XX/XXXX to purchase a used car from a " franchise dealer '' up to {$15000.00} at 3.19 %. I received an email stating that my application was approved. I was told to go to the franchise dealer and they would use that loan application to create my auto loan. 

On XX/XX/XXXX, I went to XXXX XXXX XXXX on XXXX in XXXX and selected a XXXX XXXX XXXX to purchase for {$13000.00} ( purchase price of {$11000.00} plus dealer fees ). At time of closing, the Finance person stated Bank of America would now not honor the previous terms and conditions but instead would offer only {$12000.00} at 5.24 %. The dealer then offered me dealer financing at similar but slightly more favorable rate. 

I perceived this as at best, steering to the dealer financing, and at worst a bait and switch. As this was XXXX at night, I paid cash for the vehicle and contacted Bank of America to address the issue the next morning. 

Bank of America stated that they could not provide financing unless I went through the dealer 's financing department. I escalated. Bank of America stated that unless the dealer would " undo '' the transaction they could not help me with a loan secured by the title. The dealer declined to make this right. 

Bank of America apologized, but did not make this right with me. They made no effort to honor their original loan offer, but tried to say that because they didn't know which car I would choose, they were always going to change the loan terms and conditions ( increase the APR ) based on the used car I selected.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im  XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Consumer complaint received 2020-11-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I opened a Bank of America credit card over 10 years ago and it is still on my credit report as debt owed. I am being harassed by Bank of America via email and by XXXX XXXX for another account that should not be on my credit report any longer. I have disputed at least 10 different errors on my report more than 10 separate times and the issues will never get resolved. Non stop phone calls, emails, closed accounts, over aged credit cards reported, already disputed a credit card with XXXX XXXX that someone opened with their name but my SSN. I told them it wasnt me that I have never lived at the address the card was associated with. They said they resolved it, but I just noticed the address on one of my reports this month. I get notices daily that my report has info breaches, hard inquiries when I did not try to open an account, I can keep up. I disputed so much so many times and it never ends.
Consumer complaint received 2022-10-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: MORGAN STANLEY & CO. LLC (CA)

Morgan Stanley Private Bank mortgage loan # XXXX Due to XXXX, XXXX ' faced a business disruption which created a temporary personal cash shortfall and she fell behind on her mortgage payments to Morgan Stanley Private Bank XXXX The business disruption has been resolved. The cash shortfall is temporary and her business will be profitable and cash flow positive in XX/XX/XXXX. 

In the meantime, she is able to resume making mortgage payments immediately from proceeds of a forgiveable loan from a family member. 

The loan to value ratio of the loan is approximately 35 %. Loan amount is ~ {$1.00} XXXX and the home value is ~ {$3.00} XXXX. 

In XXXX, her debt service to income ratio on the mortgage will be somewhere in the 6 % to 19 % range based on profitability estimates of the business. 19 % being extremely conservative and will likely be around 10 %. 

She has attempted to pursue a forbearance or modification with Morgan Stanley Private Bank. She has provided all of the documentation they requested and 'INVESTMENT ADVISOR ' has prepared a detailed explanation of the situation for Morgan Stanley . Most of which was provided both by hard copy and electronically in mid XX/XX/XXXX. 

However, as of today XX/XX/XXXX, Morgan Stanley has still not reviewed the documentation and claims that there are documents missing which is not the case. 'INVESTMENT ADVISOR ' created a file title 'Documents Checklist ' with a statement related to every piece of documentation requested. 'BORROWER ' and 'INVESTMENT ADVISOR ' have called Morgan Stanley Private Bank multiple times every week since mid XXXX. As of our most recent phone call today, it is clear that Morgan Stanley Private Bank has not read the 'Documents Checklist ' and the loan has not yet been put in front of an internal underwriter who can make a decision regarding a forbearance or modification. Morgan Stanley is going in circles. 

The loan in question still has not been put in front of someone who can make a decision. This is 2 months after originally submitting the documents requested and with a foreclosure sale scheduled for less than a month from today. I question Morgan Stanley Private Bank 's professionalism and overall competence as a mortgage lender in the US, especially during a tenuous time for many borrowers. 

There is a history of a lack of professionalism and possible outright incompetence between 'BORROWER ' and her former Morgan Stanley Financial Advisor ( s ). She is now in a situation where her home could be foreclosed upon. She originally paid cash for the home which she owned free of any liens whatsoever. Later, her Morgan Stanley Financial Advisor advised her to borrow money in the form of a first mortgage, which is the loan in question now.