davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-17
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 (NM)

Hello, Our earned AMEX Rewards points were taken from our Rewards Account and our Rewards Account was closed due to an accidental cancellation on XXXX/XXXX/XXXX of our card ( which was reinstated within a day or two ). I noticed there were no rewards points on our statement and called AMEX on XXXX/XXXX/XXXX ( and possibly before this date ) when I was told they would be reinstated and I was lucky to catch it before 30 days from accidental cancellation. I also asked for credit of the points accrued since XXXX/XXXX/XXXX and they were unsure as to those being eligible for credit of points. At this time I was told we had over XXXX points earned and XXXX or so accrued. On XXXX/XXXX/XXXX I called again and asked for the points to be reinstated. According to AMEX the call was incomplete because it ended before all the disclosures were made. AMEX never tried to call me back, nor did they send a notice. I thought the call was complete. On XXXX/XXXX/XXXX our earned points were swept out of the Rewards Account and the Account was closed.- I was not aware of this until XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I called again and was told points were gone and they would check into it. 

Today, XXXX/XXXX/XXXX, I spoke with the " Supervisor of Membership Awards '', XXXX, employee # XXXX. XXXX confirmed the above dates and was unwilling to consider my request for reinstatement of earned rewards because the XXXX/XXXX/XXXX call was " incomplete '' on their end even though her notes did indicate the request for earned point reinstatement. She said after the points are swept there is nothing they can do and my complaint/request was closed. She said there was no one else for me to talk to since Corporate closed it. 

Attached are email confirmations after each inquiry ( the XXXX call was dated the next day but AMEX confirmed it was XXXX ). We are a small business and we count on the rewards points to cover expenses. To our company this is a significant problem. It was n't until my call on XXXX when AMEX informed me that I needed to open a new Rewards Account in order to accrue points for transactions from that point forward. No one informed me prior to that I needed to open a new account so we missed credit for everything since the original earned points were taken. 

I do n't believe customer service in the Membership Rewards group is interested in giving back points and wonder if there is incentive to do this.
Consumer complaint received 2017-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I have written numerous letters since XX/XX/XXXX to the 3 credit reporting agencies ... XXXX, Equifax, & XXXX to this date XXXX-17 they have not provided me with the original signed documents that I have requested to provide me proof all alleged accounts being reported are really mine. I have requested proof in writing that over XXXX hard inquiries that allegedly belong to me, still dont have proof in written original documentation that I signed from any of the 3 CRAs to verify these hard inquiries. I have requested that any unverified/unknown and/outdated accounts be removed from my credit reports ... there are many inaccuracies and unverified accounts on my credit reports that continue to show up on my report ... its been way over 30 days time period to verify unknown accounts or accounts over 7 years old and mail me written original signed documents to proof all accounts to truly belong to me and are being reported correctly in amounts alleged due. All closed accounts have been requested to be removed nothing as of XXXX-17. I have informed CRAs that I havent been late with any of my payments ... if so prove to me in written documents the dates late to any accounts ... still nothing & still bringing down my credit score.
I find it very stressful that my life has to be on hold because of my low credit scores reporting from these three agencies. Due to this inaccurate, unverified reporting on my credit reports I have been denied rentals, credit, loans, & mortgages etc.
I have spoken with a lawyer in regards to this matter its bought much undue stress into my life. The law states if not provided with written original signed documents in 30 days they have to delete items from report, section 609 states this the CRAs are not following these guidelines.. I have never received verification with my original signature from any of accounts that are on my credit reports its been well over 60 days as of today date.
Consumer complaint received 2017-11-17
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (SC)

On XX/XX/XXXX the legal counsel for the alleged owner of my mortgage and note served by US Mail a 'Notice of Default ' on my mortgage. This notice quotes their compliance with the FDCPA and among other things lists five ( 5 ) specific items. Included is the name of the alleged debt/note/mortgage holder and my 'right ' to dispute this within 30 days. 

The true owner and holder in due course of my note and mortgage has been in dispute for over 6 years, and in an effort to establish the facts that would help me to understand 'who ' really has a legal claim against my note/mortgage, I formally responded to the request from the allege lender 's legal counsel, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX , SC XXXX. " Notice of Dispute and Demand for Validation of Debt and Proof of Claim, on XX/XX/XXXX. This request was signed for and delivered to the law firm mentioned above within the 30 days allowed to respond. 

As of the filing of this complaint, XXXX XXXX XXXX XXXX XXXX has not responded to my formal dispute/request and has proceeded with the attempt to foreclose on my home. 

In addition, XXXX XXXX XXXX XXXX XXXX has served me with a formal foreclosure, Interrogatories, Production of Documents and Admissions, all of which have been answered in a timely manner by myself. I am representing myself Pro Se as I do not have the resources to defend myself in any other way. 

This law firm is acting upon the direction of OCWEN LOAN SERVICING, LLC and indirectly XXXX XXXX XXXX. They are clearly a licensed 'debt collection ' company here in SC, and should be accountable for their actions.
Consumer complaint received 2017-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

I am complaining today against Citicards cause I had a fraud claim with them in reference to multiple charges done to the account. I was credited for the charges and also sent confirmation that some of the charges the credits were permanent. I then logged in to my account and noticed that i was rebilled for the fraud. I then contacted the investigator and she told me that she has denied the claim due to charges to XXXX XXXX the name the reservation was under was not my name and i did not allow anyone to charge these charges on my account. The representative was really rude and i requested for a supervisor to call me back and was unsuccessful in receiving any calls. I am attaching were they sent me mail stating the credits were permanent and then she told me that it was denied. I am not going to pay for charges that were fraudulent and this is illegal through the fair credit billing act.
Consumer complaint received 2017-11-17
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (IL)

Latest issue, which has been reaccuring throughout loan is being charged fees even after loan is brought current. Most current example is XXXX XXXX I brought my loan current and agreed to a years payment plan via debit card. Got payment plan in mail. The next week I get my statement in mail for XX/XX/XXXX payment due and there 's late fees due again even after I brought my loan current. This college went out of business before classes finished and I 've been stuck with this useless loan that I got nothing to show for it since. I 'm on XXXX but they say this loan ca n't be forgiven because I have a cosigner and the debt will be turned over to her even though she 's retired on social security.
Consumer complaint received 2017-09-28
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: Experian Information Solutions Inc. (GA)

Sent by certified mail on XXXX a dispute request to Experian regarding some information that is being erroneously reported on my Bureau. I have requested several times that i be supplied with specific Method of Verification information as it relates to public records in my file. On XXXX i received an email stating that my disputes were pending outcome. On XXXX, i received an email from Experian saying there review was complete and that the information on the report was verified with the court and updated. I supplied Experian with a letter from the Federal Bankruptcy Court for this district stating " The Clerk 's Office does not provide information to credit reporting agencies. '' With their investigation, they did not supply me with specific information as i requested. Name of person spoken with, telephone number of said person, address, date of conversation. Nothing at all. I called Experian on XXXX to inquire about the investigation and spoke to a gentleman name XXXX from XXXX XXXX. He informed me that they could not send me the specific information regarding the method of verification and that a third party vendor that they use to gather the information does it in an automated fashion. That does not conform to the FCRA guidelines. He further stated i could not get any information as it pertains to that. I was told that i would get a call back from a supervisor so that he could explain to me why i was not going to get the information that i was requesting. Report number is XXXX.
Consumer complaint received 2017-11-18
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. (NY)

I have written numerous letters since XX/XX/XXXX to the 3 credit reporting agencies ... Transunion, XXXX, & XXXX to this date XXXXX-17 they have not provided me with the original signed documents that I have requested to provide me proof all alleged accounts being reported are really mine. I have requested proof in writing that over 18 hard inquiries that allegedly belong to me, still dont have proof in written original documentation that I signed from any of the 3 CRAs to verify these hard inquiries. I have requested that any unverified/unknown and/outdated accounts be removed from my credit reports ... there are many inaccuracies and unverified accounts on my credit reports that continue to show up on my report ... its been way over 30 days time period to verify unknown accounts or accounts over 7 years old and mail me written original signed documents to proof all accounts to truly belong to me and are being reported correctly in amounts alleged due. All closed accounts have been requested to be removed nothing as of XXXXX-17. 
I have informed CRAs that I havent been late with any of my payments ... if so prove to me in written documents the dates late to any accounts ... still nothing & still bringing down my credit score. 
I find it very stressful that my life has to be on hold because of my low credit scores reporting from these three agencies. Due to this inaccurate, unverified reporting on my credit reports I have been denied rentals, credit, loans, & mortgages etc. 
I have spoken with a lawyer in regards to this matter its bought much undue stress into my life. The law states if not provided with written original signed documents in 30 days they have to delete items from report, section 609 states this the CRAs are not following these guidelines.. I have never received verification with my original signature from any of accounts that are on my credit reports its been well over 60 days as of today date.
Consumer complaint received 2017-11-17
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (CO)

I was on XXXX XXXX status last year for the XXXX and Navient kept raising my interest and demanding payments after I submitted an XXXX XXXX deferment on the student loan payments. At one point during XXXX XXXX I was under so much stress about the situation that I went to the military 's XXXX XXXX clinic. After I came back from XXXX XXXX, I started dutifully submitting the payments under the military 's student loan repayment plan. It took months of trying to contact them, but I eventually got in contact with someone in their department who is supposedly Navient 's representative to the military and resolved the issue and lowered the interest and corrected the payments. But I still have the documents from them demanding payment and raising interest while I was on XXXX XXXX status. Even though they made the financial corrections, they caused too much stress for me and I believe they did me harm that has to do with a health issue. It took me months of contacting them before we could even begin to resolve the issue.
Consumer complaint received 2017-11-18
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: U.S. BANCORP (TX)

I purchased a vehicle on XX/XX/XXXX and requested to be financed through XXXX XXXX. Because they financed my previous vehicle that was totaled on XX/XX/XXXX. I have received multiple notices from financial institutions that were not authorized to access my credit information.
Consumer complaint received 2016-09-23
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo ( WF ) has about XXXX customers. 

US adult cell phone usage is about XXXX %. 

Therefore, about XXXX WF customers do n't own or use a cell phone. 

Yet, WF has just instituted a security policy that prevents those XXXX customers from accessing their funds in its SurePay payment system. 

WF customers are required to obtain an " advanced access code '' in order to send money via Surepay, to friends, family, or businesses. The only way to get a code is to request and receive a text message on a cell phone. There is no other way to get a code. This new measure was put in place with no notice. 

I spent 2 hours on the phone today discussing my frustration with this new obstacle ( my cellphone has no service in my rural Colorado area, so I can not get a code ) with WF customer service, escalation, and corporate staff. In a nutshell, their response was " we do n't care, we are not going to make any changes ''. I expected them to offer alternatives, of which there are clearly many, but no, just more of " this is how we do it, if you do n't like it, go somewhere else, because we just do n't care ''. 

I do n't think WF should be allowed to deny me access to my money, and the ability to transfer it to others of my choice, in this manner.
Consumer complaint received 2017-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hi, On all three of credit report, my student loan holder, XXXX XXXX XXXX has put my account as either late or delinquent ( the loan is for the amount of in excess of {$75000.00} now, and keeps growing ) for many years now and it has depressed my credit score that I ca n't qualify for an acceptable rate on an auto loan or anything else for that matter of importance, where I desperately need an access to borrowable capital to purchase big-ticket necessities. 

I 've received a letter from XXXX XXXX XXXX that they are recently conducting an audit of their loan portfolio and i know that they 've recently settled with your agencies.
They 've been harassing me over this loan for more than ten years now and they have made it so that my credit score is so low that I 've had trouble raising my score above 600 for almost ten years, which has kept me not even eligible for ridiculous subprime rates..
Please help me and get this removed from my credit reporting please so that I may get on with my life and be able to finance a car or a home. Thank you.
Consumer complaint received 2017-09-28
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: EQUIFAX, INC. (PA)

Noticed many inquiries that i did not give permission for on all 3 major credit bureau. I believe that I just like many of the 100 million people who 's information was leaked fell victim too.
Consumer complaint received 2017-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Get dat XXXX off my credit all 3 bureaus dese XXXX ignored my administrative process and still got fraudulent XXXX on my credit and den y'all XXXX hide the the truth to life XXXX XXXX GET IT THE XXXX OFF TRYING TO KEEP ME DOWN XXXX
Consumer complaint received 2017-11-17
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: American Collection Systems, Inc. (OH) (DC)

Contacted company over a year ago to cease and desist, after not receiving verification of debt. 

The company shared / school, is not verified and I have no record or knowledge of debt. 

The company has continued to contact parents home and cell numbers, even after they requested them to stop contacting ; in addition to making repeated, early/late, and harassing calls. 

Shared information about collection with parents - even after they shared they did not have contact information ; I am activity duty and parents do not have contact information, as they shared ( depending on TDY ).
Consumer complaint received 2016-10-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I 'm writing to complaint about my capital One Essential checking account ending # XXXX. Capital One offered me this promotion " open an Essential checking account and after XXXX mobile deposits, your account will receive a bonus credit of {$200.00} '' XX/XX/XXXX, I walked in Capital One branch located at XXXX XXXX and XXXX XXXX in XXXX on XXXX/XXXX/16 and Capital One reps confirmed this offer and opened the Essential checking account for me right on spot, I immediately deposited XXXX checks via Capital smartphone app, and Capital One reps confirmed I 'm already qualified for this bonus offer of {$200.00} - they told me there was nothing else I needed to do, I just need to wait for this credit to show up on my statement. 

I waited until XXXX/XXXX/16, no credit, I emailed capital One, no response. I waited until today XXXX/XXXX/16, still this bonus deposit was nowhere to be seen, thus I have to file this complain, as I feel Capital One stated the credit is automatic within 6 weeks, and 6 weeks had already passed. They only cared for customers when new customer walked in branch to open account, once we becomes customer, they no longer answers email requests, and totally ignores existing customers ' concern.
Consumer complaint received 2017-11-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK (NY)

Im not sure that anything illegal has happened but more unethical. This loan was originally secured through XXXX XXXX in XX/XX/XXXX at which time XXXX year old me had been accepted to a school in AZ. XXXX XXXX told me that my interest rate would be 'prime plus 1 percent ' which would have been around 7 % at the time. Once I had traveled to AZ and signed a lease for an apartment, the finance department had me sign for the loan which suddenly was 14 %. Locked into a lease and 3000 miles from home, I signed the loan agreement. 

Later in XX/XX/XXXX I joined the military and this loan was put into deferment. The loan, and myself moved around a lot. As the loan was sold and repurchased and as I moved from station to station ( up to four times in a year ) I lost track of the loan which had been ballooning up to XXXX from XXXX. 

Trying to acquire information on the loan through the lenders is nearly impossible. Even when the loan stays with a bank they rename and format the loan information and when asked for payment history, I receive a hand typed XXXX file with 'loan fees ' and other various information on it that the bank is unable to explain to me. 

I have been paying off the loan have it down to XXXX now but recently left the military to pursue college once again with my government benefits. When I started school the bank automatically differed the loan that I had been paying on without any contact to me. I only realized when checking my bank and noticing that the loan payment had n't been deducted. Then upon reestablishing my automatic payments, the payment I made was put towards the next month, allowing another XXXX dollars of interest to accrue. 

After all of this I was going to get a 0 % credit card with XXXX balance transfers and put the card there until tax season when I would pay it off ( I have the money now but it would be a huge stress before XXXX ) but Discover now tells me that they do not accept credit card transfers. This is absurd. I may have been able to do this with the other banks that held the loan but during the bank process of reacquiring the loan, I apparently just have to accept the terms and conditions of whatever new bank wants to give me? I feel there is little protection for consumers, especially considering the age and ignorance of a XXXX year old against such a financial institution.
Consumer complaint received 2017-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (CT)

On XX/XX/XXXX I initiated a complaint against Nelnet in regard to 15 accounts not being reported correctly on XXXX XXXX and XXXX. I initiated a dispute to the credit bureaus and contacted Nelnet. Nelnet is very argumentative with me and refuses to correct information. I believe the deliberately and erroneously account balances after my loan consolidation was completed. 

Nelnet continues to say to me that they need copies of my credit report and that I need to show them what is being reported so they can correct the accounts. The credit bureau ( XXXX XXXX ) blames Nelnet for reporting account balances after loans where consolidated XX/XX/XXXX.  There seems to be some conflict between the credit agency and what Nelnet is reporting and I am arguing with the credit agencies and Nelnet.