davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-07
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 (TX)

On XXXX XXXX, XXXX, I applied for the XXXX XXXX card through American Express, and was approved immediately. Two offers existed for this card that I was interested in : one was a {$100.00} statement credit that would be applied to the account if you made a purchase with XXXX ; the other was a bonus of XXXX XXXX miles if I spent {$4000.00} in the first four months of having the card. 

American Express offers a way to use a card immediately after you 've been approved, so on the day I was approved, XXXX XXXX, I booked tickets for my husband and me on the XXXX website, for the amounts of {$140.00} each ( {$280.00} total ). This spending should have triggered the {$100.00} statement credit. 

On XXXX XXXX I met the {$4000.00} minimum spend requirement to get the XXXX bonus miles. 

It is now XXXX XXXX. It has been five and a half months since I met the statement credit requirement, and it has been four months since I met the bonus mile requirement. I have not received the promised reward. Since XXXX, I have contacted American Express via phone or via online chat about 2-3x per month to ask for status updates on this issue. I am only told that American Express is aware of the issue and they are working to fix it, and " it should be resolved in a couple more days. Please be patient. ''
Consumer complaint received 2018-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

i have asked Trans-union to send me me credit report to see my history and score but its saying error. i called them they gave me a claim number. i keep on sending them my personal as gov id, ssn, utility bill, and proof address. every time i send them my info to them they send me a letter to send them all these info again. they keep on sending me the same letter with different case number.
Consumer complaint received 2017-11-07
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. (VA)

Creditor affirm is being reported on experian as a {$3000.00} repossession opened in XXXX. It used to be reported correctly and all of a sudden it changed. I have a letter from the creditor stating this, as well as email 's from them. The correct information is that it was originally opened on XXXX/XXXX/XXXX in the amount of {$550.00}, payments of XXXX were to begin on XXXX/XXXX/XXXX. I have been making timely payments. It is not a repossession, Never late and i also have an account verification letter that affirm sent to me confirming all of this. I have sent this letter to experian, uploaded it multiple times to experian and disputed with this letter 5 times. Each time experian says the information will remain unchanged. It is an obvious error in experian 's system because the information they are reporting on the affirm account is the same information being reported on a different repossession account listed from another company on my credit report. Somehow the information is mixed up in experian system
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I

am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : TRANSUNION XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - XXXX XXXX 
XXXX XXXX Date Opened : XXXX Owed : - XXXX XXXX 
XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - XXXX XXXX. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX XXXX XXXX
Consumer complaint received 2024-11-07
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. (CA)

Upon reviewing my credit report, I found several inaccuracies that require immediate attention. Under the Fair Credit Reporting Act ( FCRA ), Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), credit bureaus must validate the information they report, ensuring its accuracy. Reporting any unverified information without proof within the mandated timeframe is prohibited. 
XXXX XXXX Balance : {$8.00} XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX Balance : {$28000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$32000.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2018-01-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

I have disputed XXXX XXXX on all 3 of my credit reports. I have tried and called all the bureaus and they keep telling me different things about this account. This account was a judgement, and my wages were garnished for years until collections amount was paid in full. The XXXX XXXX XXXX took all of their remarks off all my credit reports and I think the XXXX XXXX should be required to do the same. In my research of laws in NY State, there is a law call the NY 5 year purge rule. It states that any collections or judgement that have been paid in full from the first D.O.F.D. shall be removed from all credit reports ( D.O.F.D. was XX/XX/2011 ) I have provided all sorts of proof that this judgement has been paid n full and the account should be removed from all of my credit reports. I will include them with this complaint as well.
Consumer complaint received 2018-01-03
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 (ND)

I signed up for the American Express Platinum card back in XX/XX/XXXX and was approved. The reason for getting this card was for a airline trip in the spring ( I was going to use miles that I acquired with this offer ) The offer was for XXXX miles after {$3000.00} was spent + {$100.00} statement credit after booking a flight online. I met this obligation on XX/XX/17 for the miles and XX/XX/2017 for the {$100.00} statement credit. The terms stated that I would receive the miles 6 to 8 weeks after meeting the {$3000.00} threshold. It is now in the 10th week and I have not received anything. I have chatted with 3 different representatives from American Express and all I am told is they will launch an investigation and this will take 6 to 8 more weeks. This is unacceptable. How hard is it to see that I met my {$3000.00} goal and to give me my XXXX miles. I had to spend {$3000.00} within 3 months of opening the card, I did it in 3 weeks. The mileage credit was supposed to be credited 8 to 12 weeks after my first delta credit, it is 12 weeks today and I have still not received my credit. American Express could easily credit this but they fail to so. This is why I am turning to you.
Consumer complaint received 2017-04-17
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Lendmark Financial Services (MD)

Lendmark Financial Service. is in violation of 15 USC 1692g, 15 USC 1692j and 18 U.S. Code 241.Lendmark Financial Service , unlawfully with out a court order or proof of claim arbitrarily deprived me of my property without due process of law. The  seizure  of my property without a warrant and without a court order is a violation of FRCP rule  41 and 18 U.S. Code 983.      I was never personally given any loan fr om Lendmark Financial Service and was never given any accounting or receipt disclosing the transaction which took place between Lendmark Financial Service and the seller. After further discovery I have learn that Lendmark Financial Service used my identity to   obtain a fraudulent loan from   XXXX   XXXX   XXXX   XXXX  . Therefor e Lendmark Financial Service is not the  holder in due course, which would explain why they could not provide validation for the allege debt.     It is more then clear that  Lendmark Financial Service  has committed fraud being that  Lendmark Financial Service is a Co rporation and corporations or banks can not lend credit and that  Lendmark Financial Service pro vided false representation to the credit bureaus which is defamation of character, for a loan that never existed. Due to the fraud committed by  Lendmark, my  property was stolen from me unlawfully, I have been denied credit based off false information and been the victim of identity theft.
Consumer complaint received 2017-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I noticed a tax lien reporting on Equifax. I do n't owe any tax liens. I disputed it with Equifax XXXX days ago and they wont respond, yet they continue to report this error on my credit
Consumer complaint received 2017-11-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Quality Asset Recovery LLC (NC)

I made numerous attempts to get this resolved.. because it is an aging account the hospital no longer has the information to provide, and will not give any information. I am always being referred to the collection Agency, I 've spoken to a young woman by the name XXXX who works for Quality Asset Recovery.. She to stated that they are a 3rd party with only limited information. only can confirm the amounts and the date.. Which I do NOT agree with.. Dates of service are XX/XX/XXXX and XX/XX/XXXX. Coded as XXXX XXXX???? Per XXXX XXXX XXXX XXXX. Whom have been very helpful in assisting me getting clarity. I am not a person who gets sick or ill, My last XXXX was in XXXX, after the XXXX XXXX XXXX XXXX, I opted to have a XXXX XXXX. I 've have never gone back to have any other XXXX thereafter. I am deeply concerned that I am being billed for services not performed, or a claim was submitted without my knowledge : I have always been insured I was a member with XXXX since XXXX. They even stated you really do n't have anything major pending the entire time you were a member. 
if possible I want this resolved and removed and investigated, I cant get any answers with the assistance maybe you can.
Consumer complaint received 2017-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital One 's systems disable my email account and was not sending notifications. I rely on these notifications for making payments and getting information about charges. The previous month I had problems and called but was assured all was okay. I then had another late payment and called again to find out why the email notifications on this account were not working. The technical team got to the bottom of it and it was Capital One 's systems that disabled my email. They assisted in unblocking my email. But I was charged another late fee of XXXX on XXXX/XXXX/XXXX. I then decided to setup auto payment because the Capital One systems were not reliably sending out account notices as they assured customers that there were doing.
Consumer complaint received 2018-01-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Carter-Young, Inc. (MO)

When I moved out of the apartments, I signed my contract over to someone else. My rent was paid in full. 6 months later they said I never paid the last month. However, they wouldnt let me move out until I paid the rent in full.
Consumer complaint received 2018-01-19
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. (NC)

I have sent Transunion two certified letter, notated by my credit union with a copy of my ssn and drivers license for disputing items off my credit report. One letter was mailedXX/XX/XXXXXX/XX/XXXX they mailed the investigation results summary back XX/XX/XXXX, I immediately call Transunion and ask to spoke to a manager and then when the manager got on the phone I ask to speak to their manager. A gentleman answer the phone, I explained what happen and apologize about the issues and concerns. He ask me to fax in the documents, I informed him that I will mail them certified mail again with different letters. I also informed him that things were taking off my credit report as deleted from Transunion and later put back on. So, on XX/XX/XXXX I mailed 4 letters and supporting documents to back my claim up. That brings me to today, I call to check the statues on the dispute letter I sent XX/XX/XXXX, one young lady told me they never received it the only one they have was the XX/XX/XXXX  I ask to spoke to a supervisor or manager, she forwarded me to the supervisor who told me that my disputed letters looks the same and that every time I sent letters in that nothing would be done on my credit report and yes we did get the XX/XX/XXXX letter but so what they looks the same, I asked her was there any other documents with the letter she said no. I said I need to speak to someone else because you are rude and very unprofessional and unacceptable, she told me I am the next step there is nobody over me. I ask her what is the number or website to file a complaint and she rush to give me that and they hang up. I do have names of this person I spoke with and have all my documents to prove they have violated the FCRA law. I have Proof Accounts was deleted and Transunion violated my rights. I have be writing letters after letters since XX/XX/XXXX, spending money that I really do n't have. I am asking the CFPB to step in and help, I cry and cry because Transunion has be giving me the run around sinceXX/XX/XXXX. I ask her did they provide documents to show I owe this money, she said they do n't have they told us. I told her that I understand that this type of reporting is all electronic.There is no paperwork, it 's all digital. There is never a verification of any signed documents or contracts or anything. Every month, without fail, banks and credit card companies send electronic files with details of your account to the CRA 's. The Credit Reporting Agencies or bureaus place this information into your credit report without VERIFICATION. No one is checking if this account is really yours. No one is checking if the information is CORRECT. No one is checking on the banks or creditors to make sure that they are doing the right thing. Please help
Consumer complaint received 2018-01-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: GREAT LAKES (NC)

I am currently enrolled in a XXXX 's program at a school where I received a XXXX 's ( this is important ). I already have an up-to-date student loan that I make auto-payments for each month. I decided to pay for my XXXX 's out of pocket. There was an opportunity to XXXX XXXX next year and my Advisor told me to apply for FAFSA to see if I qualified for a scholarship for that program. I knew I would not qualify for FAFSA, but he told me to fill it out anyway as a step towards the Scholarship application. Next, I logged onto my account online for the school and there was a disbursement of over {$10000.00} for each semester this year. Luckily I did not have my bank account information loaded, so the funds were not deposited into my bank. However, they were showing online for the school as a, " refund '' - an unsubsidized loan. I sent in an email on XXXX declining the loan - per their instructions. 

After some struggling, the school corrected the issue on their website. However, a check was sent to me on XXXX. I shredded it and looked online and found that the loan amount for this semester has been tacked onto my student loan through Great Lakes Borrower. It is showing that I owe this amount, plus interest, and a {$100.00} fee. This is baffling to me, how they have the ability to add this to my bill without any confirmation or agreement. I never asked for this loan. I never signed a paper agreeing to receiving it. I only applied for FAFSA as a step to apply for the Scholarship. 

Per the school 's Financial Aid Office, I signed a Master Promissory Note in XXXX. This means that they do not need to discuss loan disbursement with me for each school year. It is supposed to make things easier on students. However, I graduated in XXXX - this should cause that note to expire. According to XXXX, because I signed this note back then, it is good for 10 years - despite the fact that I already graduated and have started a completely different program. 

I am confused as to how they can do all of this without a signature or approval, and I am afraid that it may be  showing on my credit. I am going through the steps to get the money taken off of my student loan account, but I need to make sure this does not affect my credit. This is not something I asked for. I have lots of emails for correspondence to show that they did it without my permission and that it should have been taken care of. 

This could have been resolved with a simple email asking if I wanted the loan or not. Instead, it was processed. A check was sent to me. It was added onto my current loan along with fees and interest. I 've had to file two complaints for the loan company and now the school. There have been countless emails among the staff and myself. This situation is baffling. Please let me know if you need more information. 

Thank you for your time, XXXX XXXX
Consumer complaint received 2018-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (NC)

OnXX/XX/XXXX, I called XXXX customer service regarding to an issue with airline fee credit and membership fee refund. They opened an investigation with reference number XXXX. I talked to XXXX whose employee ID is XXXX, he promised to call me on XX/XX/XXXXto let me know the investigation results. I got nothing from him on the XXXX, so I called on XXXX and was transferred to his voice mailbox. I left a voice message and asked him to call me back but got no response from him since then.
Consumer complaint received 2024-11-07
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. (NC)

The unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus but I never received a response from it. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible.XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$1000.00}
Consumer complaint received 2018-01-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (WV)

I was charged for services that were shoddy workmanship and an unfinished job. Although I have pictures, text messages and a letter from my attorney XXXX XXXX XXXX XXXX card that I opened explicitly for this purchase refuses to stand behind me as a card holder and keeps denying my disputed amount of $XXXX.  After researching I have found countless other complaints that Citi will never side with the consumer and always denies claims. I will never own another Citi credit card and I urge other's not to as well. I have attached the letter from my attorney here.
Consumer complaint received 2018-01-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC (TX)

The debt posted below and attempt to obtain pass due balance is false. I notified the company that the debt does not belong to me. To please send proof of any debt or validation with my signature. I have yet to received any information. I am asking for the company to remove the debt and have no further communication with me going forward. The debt does not belong to me. I no valid contract with the creditor " No Contract '' I am not legally responsible for the seeing as it does nit belong to me. 

When speaking with the CSR i was told they may not be able to obtain any original record for my viewing to prove and validation that the debt belongs to me. I have yet to have any mailing response. 

Please remove all false attempts to collect debt. I have reached out to XXXX to remove the fraudulent information. 


DEBT RECOVERY SOLUTIONS , LLC Last reported : XXXX XXXX, 2017 - {$980.00} Needs Attention Overview You 've paid off 0 % of your collection amount. 
Balance {$980.00} Highest Balance {$980.00} Opened XXXX XXXX, 2017 ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes - reinvestigation in progress Consumer disputes this account information Medical Collection account Original Creditor Name XXXX XXXX XXXX XXXX See an error? 
You could dispute an error with XXXX. 


Creditor Information DEBT RECOVERY SOLUTIONS , LLC
Consumer complaint received 2017-04-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

The company has repeated refused my efforts to have them remove fraudulent information from my credit report. The company was provided with a move out statement that showed no money was owed.  National Credit Systems   responded by sending me a copy of a fraudulent renewal lease with mismatching dates and forged signatures. Additionally they continue to verify this fraudulent information as correct.