davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-22
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. (OH)

I have received and email from Experian on XX/XX/2018 of a complaint I did not submit. They claim that they have investigated this address which I have never seen or have lived in XXXX. The address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Single family and that Information on this item has been updated as shown above. They have a Report Number : XXXX Date Generated : XX/XX/2018.

I have never lived in XXXX  nor been there. I disagree with the out come of this address which I never submitted in the first place. I want this unknown address removed immediately.

Also I have tried to have them remove addresses that do not belong to me.

XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX All of these address are incorrect and needs to be removed.
Consumer complaint received 2018-01-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (IL)

My loan was transferred by XXXX XXXX to XXXX on XX/XX/XXXX. I had a bi-weekly partial payment plan set up with XXXX XXXX to ensure a balanced budget, payments received before due date, and allowed for a few extra principal payments a couple times a year towards the principal. Our monthly mortgage payment is {$460.00}, I set up Electronic Transfers directly from my bank to XXXX for {$230.00} on a bi-weekly basis. Those payments have gone into a unapplied funds account until they receive the total, which they then reverse and apply to the monthly mortgage. They told me they will not continue and that they will reject the payment from my bank. A supervisor told me that I needed to send a full payment once a month, that I should transfer money to a different account and then send them the monthly payment when it is due. He continued to tell me that I am not making the monthly mortgage payment because they only receive partial payments. I had this set up because I am currently going through XXXX XXXX and treatments. I do not have to physically make sure the bill is paid. I have been doing this with XXXX XXXX for the last year-and-a half. For example : my bank withdrew {$230.00} on XX/XX/XXXX and will withdraw {$230.00} on XX/XX/XXXX, both of these amounts are towards the mortgage payment of {$460.00} due on XX/XX/XXXX.
Consumer complaint received 2018-01-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Collections Enterprise, Inc. (VA)

I received an alert from the Credit Bureau for a collection account from from XXXX XXXX XXXX ( XXXX ) that there was an alleged debt with XXXX XXXX  XXXX as of XX/XX/XXXX. I pulled the address from the Credit Report and responded requesting validation of the debt. My initial attempt to contact the was returned as undeliverable in XX/XX/XXXX with the address that they were reporting to the credit bureaus ( XXXX XXXX XXXX XXXX, VA XXXX ). I conducted additional research and found another potential address. I contacted the collection agency to dispute the debt and advise them that I did not owe this location money. 

During this time, XXXX XXXX XXXX continued to report this information to the credit bureau ; even during the dispute time. I received a letter back using the alternate address ( not the one on my credit ) that the account had been " validated '' which was mailed days after XXXX reported that they had mailed the information to me. 

I sent another letter to XXXX advising them that they have violated the FDCPA and had continue to report a debt to the credit bureaus after receiving notification that the debt was disputed. I further advised that if they did not correct this issue and refrain from reporting this inaccurate information, I would have no choice but to take further action. To date, XXXX has chosen not to respond.
Consumer complaint received 2018-01-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Larry H. Miller Group of Companies (AZ)

I was contacted by XXXX at Larry H Miller XXXX in XXXX AZ on XXXX/XXXX/XXXX stating that they may be able to get me into a new vehicle or better financing on my vehicle. I set an appointment for the weekend and selected a XXXX XXXX. I had negative equity in my XXXX XXXX. I was presented with terms for the new XXXX and was not comfortable with the payment. Upon a 2nd review by their financing department, the all of the sudden realized I still had equity in the warranty they sold me on the vehicle I was trading in. They were able to use this equity along with increasing how much they would give me for a trade to get me to a payment I agreed with. I was told by the salesman, XXXX, this would be my financing. It was explained to me that the way XXXX does their financing is they take your score and put it into brackets, whatever that bracket you fall into is what your rate and financing is. I signed financial documents including a truth in lending statement, power of attorney for the vehicle I was trading in and documents with my rate, terms, finance company name, payment and payment due date. These documents also include a breakdown of all fees, payoff of previous vehicle and services being financed. I signed these documents with XXXX and asked so if you guys cant do better, this is it and were done? No one is going to call and need more money? He assured me this was it but he didnt handle my type of loans so another person whos really good with old bankruptcies will see if he can do better. If they were able to get better financing I was going to go back XXXX  morning and resign new documents with the new financing. I did not hear back from XXXX, XXXX. I left a message with the receptionist, XXXX on XXXX afternoon and did not hear back. I called XXXX and reached, XXXX in the financing department. Expecting to hear they were unable to do better then XXXX XXXX, XXXX instead told me that I need either a co-signer or {$4500.00}. XXXX apologized and said its only about 1 out of 100 customers this happens too. That sounds like a lot of people they have been doing this to when you consider theyre one of the largest dealerships in the state. I provided a co-signer. I received a call today, XXXX  XXXX/XXXX/XXXX saying the co-signer is not enough and I would need the {$4500.00}. I am not being told I need to return the vehicle and take mine back. I was also told I will not be charged anything for the vehicle I have to return. I have not been told what happens to the {$500.00} doc fee I had to leave with them for electronic withdrawal. I am also contacting the FTC and our local media.
Consumer complaint received 2018-01-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY (NJ)

I use XXXX to buy cryptocurrency and every time I make a purchase XXXX tells me that TD Bank blocked the transaction. I 've tried purchasing Litecoin 4 times already for the amount of {$200.00} each time and it 's blocked every single time by TD Bank.
Consumer complaint received 2018-01-13
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 (TX)

I used XXXX charge card to make a purchase of XXXX XXXX membership on XXXX XXXX XXXX. I had an offer " Spend $ 99+, get 5,000 Membership Rewards Points '' and it was attached to the card before the transaction as required by XXXX . However points did not post and I did not receive a confirmation that I used that offer. I contacted XXXX in regards to this issue and they opened a case and started investigating on XXXX XXXX XXXX. I also provided a receipt from XXXX with the description of that transaction for XXXX. It has been more than a month and that case is still pending. It is annoying to keep thinking about those points and transaction. I want XXXX to give me 5000 Membership Rewards Points as they promised and also add 5000 same point as a courtesy for all this disturbance.
Consumer complaint received 2018-01-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

I tried to close my HELOC in XX/XX/XXXX. I have still not received my lien release from Bank of America. They say I owe them {$13.00} fee for lien release. On XX/XX/XXXX they debited my checking acct. with them for {$13.00}. Acct. ending in XXXX.
Consumer complaint received 2018-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX, 2017 was the date of signing the bankruptcy. The amount of the charge-off was {$620.00}. I have asked the credit card company to change the statues from a charge-off on the account with the credit card ; but they refused to change it on my credit report from last year. I have several payment statement receipts showing that I have made payments unto the account was paid in full. I had put the account through a bankruptcy ; but then I had the bankruptcy dismissed by asking the judge to cancel the bankruptcy completely.
Consumer complaint received 2018-01-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OH)

During a span of 6 year span. I have had difficulty with my private students loans. Having not worked from XXXX i informed Navient/XXXX XXXX of my issue only to get the response to say it wasnt their problem. Along with the fact I was threatened wit phone calls day and night to my home and my sick grandmother who was my co-signer. About taking her house and taking any wages I wasnt able to find a job a year after graduating from college and Navient harassed me throughout out that time period. Once I was able to land a job I was hit with high monthly payments of 700 hundred plus and that I couldnt qualify but for interest rates payments I wasnt allowed to get my sick grandmother off as the co-signer after I had established my credit and set up payments so they wouldnt threaten her anymore. Past two years only been forced to do interest based repayments only to never qualify or be offered lower payments because I wasnt making enough money in my current job to give Navient basically half of my check every month. I have been forced to go into deferment and go back to school in order to find a higher paying job to Navient and them not constantly ruin my credit. I know I am responsible for my loans but I was never more humiliated or threatened by people from Navient and XXXX XXXX before in my life over the past 5 years I have dug my self out of a hole after being unemployed for 3 years prior only to be manipulated and scammed by Navient they even tricked me into sending my loans to XXXX only to have them mess up my credit and deny me every program for my federal loans. Thanks for your time I hope this helps someone not to go through this.
Consumer complaint received 2018-01-13
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: Experian Information Solutions Inc. (FL)

I 've contacted XXXX, Experian, XXXX, & Creditors listed below regarding credit inquiries on my credit report that I do not approve. However, I 've contacted XXXX, Experian, XXXXXXXX & All Creditors on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX via mail, fax, certified mail, & phone. I also mailed out certified letters to all companies.No actions were taken.

HARD INQUIRIES DATES XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-01-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (UT)

I opened my account # XXXX at HSBC on XX/XX/XXXX with the following promotion, " Receive {$350.00} bonus when you open a new HSBC Advance checking account online by XX/XX/XXXX and deposit {$10000.00} in new money within 30 days of account opening. Maintain this balance for 90 calendar days from the date you deposited the funds. Bonus will be deposited approximately 8 weeks after completing all qualifying activities. Consumers who held any HSBC consumer account from XX/XX/XXXX through XX/XX/XXXX are not eligible. '' I didn't have any checking account nor credit card during anytime ( even one day ) falling into that period, from XX/XX/XXXX to XX/XX/XXXX. 

I've closed my previous checking account with HSBC ( account # XXXX ) on XX/XX/XXXX. 

Since I've closed my account in XX/XX/XXXX and 12 months have passed after I closed my previous account, I was eligible for this promotional bonus. 

I have met all the terms of this promotion, but after not receiving any bonus, I have raised a case # XXXX with a chat representative named XXXX on XX/XX/XXXX. 

On XX/XX/XXXX, I have received a response from HSBC bank stating that, " the customer had a past relationship with HSBC in the last 1 year of campaign start date ''. 

This is incorrect. My past relationship with HSBC ended on XX/XX/XXXX when I closed my previous checking account. No other relationship existed with HSBC in the last 1 year before opening my account.
Consumer complaint received 2018-02-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (CA)

XXXX XXXX XXXX has provided false report to the credit agencies that is destroying my credit. I paid XXXX in full last year when I left them and XXXX XXXX tried to collect debt I did not owe to them last year for the same thing as well. They removed thier false report after I showed the receipt of my payment to XXXX but this Diversified is not removing the false information and they are ruining my credit
Consumer complaint received 2018-01-13
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 've contacted XXXX, XXXX, Transunion, & Creditors listed below regarding credit inquiries on my credit report that I do not approve. However, I 've contacted XXXX, XXXX, Transunion & All Creditors on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX via mail, fax, certified mail, & phone. I also mailed out certified letters to all companies.No actions were taken. 

HARD INQUIRIES DATES XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-01-13
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. (MO)

XXXX, XXXX and Experian has not corrected my Credit File to  reflex what is actually been paid in full. 

XXXX XXXX and XXXX XXXX XXXX should show a XXXX  Balanced Owed. My Credit Score has dropped from XXXX to XXXX due to this Misinformation from these three Credit Reporting Agencies. I want them to correct my Credit File so I can get Credit again. As of this date I have been Rejected for Credit Cards and.. 

Car Loans because of this Misinformation showing I owe on these two accounts that are Closed with a Zereo Balance Owed. 

Waiting for a Reply, XXXX XXXX XXXX
Consumer complaint received 2018-01-13
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: CAVALRY INVESTMENTS, LLC (AL)

This complaint is to remove multiple inquiries that I did not approve or initiate. 

XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX AND XXXX/XXXX/XXXX
Consumer complaint received 2018-01-08
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. (NM)

I originally sent TRANSUNION a dispute letter regarding 6 late payments to XXXX on XX/XX/XXXX. ( One letter for each late payment, 6 letters total. ) I asked for any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature, I requested that this information be immediately deleted from my credit file. They responded with an updated version of my credit report simply verifying the information without proof. 
I then sent out a second letter dated XX/XX/XXXX, giving them 15 days to do a reinvestigation in hopes of getting this issue resolved. They did not respond within the 15 days which is in violation of the FCRA. 
I would like your help with this issue. 
Thank you
Consumer complaint received 2018-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This company XXXX XXXX XXXX that I have no financial obligation to is reporting negative information on my credit report. I never heard of this company. I did not give no one permission to share my information.
Consumer complaint received 2018-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company (WI)

I refinance my house with XXXX XXXX they paid off my loan on XX/XX/XXXX freedom mortgage credited my account on XX/XX/XXXX freedom mortgage reported me late for XX/XX/XXXX but XXXX made sure they had there check on the XX/XX/XXXX I want this late payment removed from freedom mortgage
Consumer complaint received 2018-01-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners Holding, LLC (TN)

On XX/XX/XXXX I contacted XXXX XXXX and spoke with XXXX and explained to him that I am not liable for the debt on accounts XXXX & XXXX. XXXX stated that these accounts resulted from a hospital visit on XX/XX/XXXX and that my insurance company denied payment. I then contacted XXXX and spoke with XXXX, I gave him the information regarding the hospital bill. After looking up my account, XXXX found that the hospital did not file a claim for an emergency room visit during my coverage period of XX/XX/XXXX to  XX/XX/XXXX. XXXX then conference called XXXX at XXXX XXXX and informed that the original client needs to show proof that they actually attempted to file a claim with the insurance within the timeframe ( 90 days in network/180 days out of network ). XXXX then replied that we would need to submit a proof of insurance - eligibility letter. XXXX faxed the required document to fax # XXXX with attention to account # XXXX. 
I called XXXX XXXX back a few weeks later to check the status of the receipt of the proof of insurance document as well as a status of the investigation to get this issue resolved. The representative I spoke with confirmed that the document was received on XX/XX/XXXX and that they forwarded this document to the original client Pendrick Capital Partners. After receiving this information the last 3 times I called XXXX XXXX without any update on the status of the investigation I decided to call the original client Pendrick Capital Partners to check on the status of this investigation. I spoke with XXXX at Pendrick Capital Partners on XX/XX/XXXX and she stated that there were no notes stating receipt of a proof of insurance - eligibility letter and that they do not process investigations for any accounts and that all account work is done by the collections company. XXXX then ended the call with me by transferring me while I was in the midst of asking her a question. I have been given a complete run around with this situation and I do not feel that either company is trying to help me resolve the issue at hand.
Consumer complaint received 2018-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NJ)

I have 3 Delta American Express cards. I received a bill for an annual fee on one of the 3 ( the business account ), and called to cancel the card. They cancelled the card, but said they still had to charge me the XXXX dollar feel because I did n't call within 30 days of receiving the bill. I explained that I am very busy, that it was on my to do list, and I did n't get to it, until the time of the phone call. ( Aproximately 2-3 months ) after receiving the bill. They said they expected payment. Since then, the account has been closed but I get monthly bill for XXXX dollars for a service I have not used. I believe this is poor business practices, especially in light of the fact that I have 2 other cards with them and am a loyal customer.
Consumer complaint received 2018-01-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America Please refer to complaint XXXX previously submitted for supplement information. 


Bank of America has provided inaccurate response on payment information and has again increased my interest rate for the 4th time in one year when I have never been late and am on auto pay.
Consumer complaint received 2018-01-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (MI)

XXXX XXXX XXXX is attempting to collect a debt that was already charged off and closed by XXXX XXXX in XXXX. I do not owe XXXX XXXX. They bought the debt for {$100.00} and is now coming after me for the amount of {$1600.00}. 

They are also threatening to sue me for this old debt. The daily phone calls are getting out of hand. It is affecting my credit and preventing me from being approved for certain credit offers.