davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-14
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 (CA)

I initially applied for the American Express Gold Delta Skymiles card on XX/XX/2018.  While booking my Delta Flight, a promotional offered appeared on the " payment '' section stating the following : 1. EARN XXXX STATEMENT CREDIT AND XXXX BONUS MILES. APPLY FOR THE GOLD DELTA SKYMILES CREDIT CARD FROM AMERICAN EXPRESS XXXX STATEMENT CREDIT AFTERY OUR USE YOUR NEW CARD ON A DELTA PURCHASE IN YOUR FIRST 3 MONTHS 2. XXXX BONUS MILES AFTER YOU MAKE {$1000.00} IN PURCHASES ON YOUR NEW CARD IN YOUR FIRST 3 MONTHS ... ETC. 

After I accepted the offer, and got approved, I received a message saying : " WE'RE SORRY, OUR SYSTEMS ARE NOT REPSONDING AT THIS TIME. UNFORTUNATELY WE CAN NOT PROVIDE YOU WITH YOUR CARD NUMBER AND CREDIT LIMIT RIGHT NOW. WHILE YOU AWAIT YOUR NEW CARD, WE WILL AWARD YOU XXXX IN THE FORM OF A STATEMENT CREDIT. WE APOLOGIZE FOR ANY INCONVENIENCE. IF YOU HAVE ANY QUESTIONS, PLEASE CALL XXXX. YOU WILL RECEIVE A STATEMENT CREDIT WITHIN 8-12 WEEKS ''. 

I waited the appropriate 3 months, and have yet to be credited my {$200.00}. I contacted several American Express representatives via phone AND email, and have no resolution or response. Nobody has contacted me as promised. Each customer service rep that states they will research the issue has not followed up with me. 

I contacted representatives on 5 separate occasions in the month of XXXX. ( The only dates I have documented are XXXX XXXX on XXXXtelephone and email. Follow up email to her sent on XXXX. On XX/XX/XXXX I spoke with XXXX in the XXXX Florida office. XXXX on a XXXX ). Each representative states that they can not find this offer even though I printed the offer and the inconvenience screen and forwarded them to AMEX for further research. 

I would like to get this rectified as soon as possible. I have fulfilled the offer on my end, and Im hoping that AMEX does their part in honoring this. I spent the XXXX in 3 months, which included a Delta purchase, and also kept my account in good standing.

Please note that when looking through the statements : 1. The XXXX statement credit is the inconvenience from AMEX since they would not provide the credit card number at the time of my purchase 2. The XXXX statement credit is from the prices going up from the time that I initially tried to book my flight with Delta and the time it took to receive my credit card. 
Both of these credits are UNRELATED to the promotional offer. I have included all documentation for reference.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2018-11-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (UT)

I submitted an official appraisal done on my home to prove our Loan to Value is good enough now to have the PMI removed from our payment. The company refused my appraisal, told me I had to pay for one of their appraisals done. Sent me a letter stating I had to send them an official check in the amount of {$420.00}, which I did. Once they received the check, they mailed me another letter stating that now I owe {$200.00} more dollars to get their appraisal done. I have followed all of their instructions on how to get this done and they keep dragging it on and changing what I have to do. Why did they not send me a check list of exact steps from the beginning. They told me I have a 90 day window to complete this but they take 3-4 in between responses and wasting my 90 days when I comply with their demands right away. I started this process in XXXX and I am running out of time. They are not making this process simple or helping me to get this done. I have done my part and they will not do theirs. I have never been late on a payment in 2.5 yrs, ever!
Consumer complaint received 2018-01-06
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: HYUNDAI CAPITAL AMERICA (FL)

I do not deny that I am usually late on my car payment however, I get phone calls on a daily basis starting the very first day the payment is due and it is n't just one call it is several calls per day and the the Finance company does n't leave a message. I have XXXX phone service and every call coming in or out is logged. My house phone also logged the call and is an answering machine. I have told the XXXX XXXX XXXX customer service people several times that this is a violation but their response was they are going by their company policy. I do n't think they care about consumer protection laws.

This has been going on since I purchased the vehicle almost 4 years ago. I get behind but I always catch up and for the most part I am usually only a week to 10 days late and I pay the late fee.

I think 1 call with a message would be sufficient but they see fit to continually harass me.
Consumer complaint received 2018-10-22
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion has my account frozen and in dispute for 4 months. I can't get a response. I'm on hold until they obey the law.
Consumer complaint received 2018-10-22
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.
Consumer complaint received 2018-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX Bank is reporting account that I do n't recognize. Acount number that they are reporting is XXXX. I have sent letters to XXXX, XXXX and Trans Union asking them to delete this account from my report becouse it is serious violation of section 609 of the Fair Reporting Act. None of the bureau did not delete this item and it is seriously hurting my Credit!
Consumer complaint received 2018-10-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (NY)

I originally had my loan with XXXX XXXX XXXX. They sold the loan to XXXX XXXX. XXXX XXXX showed me 4 months behind, and when I told them that was inaccurate they promised to send me a statement of payments sent by XXXX. They never did. XXXX then offered a payment plan. I qualified but they never sent the plan. They then sold the loan to XXXX XXXX. Now XXXX XXXX has told me that they can not read the transaction activity sent by XXXX and have refused to send me the information. I have requested this information from the Account Manager Mr. XXXX. He told me that XXXX did not send all the information and he was still awaiting information from my file. In the meantime they refuse to take payment. I have made simple request for information that I am entitled to and have yet to receive.
Consumer complaint received 2018-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..Please remove XXXX XXXX
Consumer complaint received 2018-10-22
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: Experian Information Solutions Inc. (NV)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..Please remove XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX   XXXX ( Original Creditor : XXXX  XXXX ) XXXX, XXXX XXXX
Consumer complaint received 2018-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Karma (AZ)

Owed {$500.00} debt with XXXX XXXX XXXX  and was sued by XXXX XXXX for {$2300.00} I never knew about court until my employer received garnishment of wages, I settled to pay {$2200.00} with XXXX XXXX before garnishment took effect. First payment XX/XX/2018 of {$1000.00} and second payment for {$1200.00} on XX/XX/2018. I paid XXXX XXXX firm early on XX/XX/2018 {$2300.00} because second payment I made on online with XXXX XXXX would not let me choose amount of {$1200.00} as aggreed on a recorded line. When I called lawfirm they said didn't matter and I wouldn't get a refund since I owed that debt anyway regardless of what was agreed to.I disputed multiple times with 3 major credit bureaus debt was settled but XXXX XXXX keeps reporting debt is negative and keeps coming back as I am responsible. Debt was paid off in XX/XX/2018. My husband was also sued for same debt through XXXX court, he also shows on his credit reports that it is delinquent for {$7200.00} larger amount than what we were sued for and owed. I was fired from employment due to this mess and unable to get credit or loan due to lien/ judgement against me on my consumer reports.
Consumer complaint received 2024-08-21
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: Experian Information Solutions Inc. (LA)

These inaccuracies have been disputed consistently for two years and Experian refusing to correct them. It is very clear that a proper reinvestigation is not taking place. It is also very clear that the CFPB is not doing it's job and ensuring the CRA 's are providing the consumer with accurate report. 
My dispute letters will be attached containing the incompleteness and inaccuracies listed on my report. These letters have also been sent to Experian via certified mail. I can only assume that I will get the same response I have for the past to two years so I legal proceedings will began as well. 


This is my final XXXX attempt to correct my consumer report. If you don't fix my XXXX this time, get ready to cut me a XXXX check because I'm suing your XXXX Experian.
Consumer complaint received 2018-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

Experian continues to report on a account that should of been deleted from my credit report months ago. The account is XXXX XXXX XXXX which was settled and I was issued a XXXX. The account should be deleted as Experian is the only credit bureau that is only reporting this account.
Consumer complaint received 2018-01-06
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Evergreen Financial Services Inc. (WA)

The collector contacted my brother in law today on XXXX/18 to try and collect my debt even though they have my phone number and address and i have confirmed it for them via telephone multiple times. I do not owe this debt and have tried to dispute it.
Consumer complaint received 2018-01-06
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 — Investigation took more than 30 days
Company: ACS Education Services (VA)

After my graduation, I was notified by federal loan service for student loans. However, as Conduent takes one of my school student loan ( XXXX XXXX XXXX ), they failed to notice me about the loan. I had zero idea about this loan ( including loan amount, interest rate, loan collector or even repayment method ). On XXXX XXXX, my credit scored reduced by a whopping 55 points that I realized that there is student loan. On XXXX XXXX, I had to call my school financial office to learn about my loan collector. Then, I made a phone call to ask why they do not contact me for my loan. According to them, they sent paper mails to my correct mailing address and the postal office returned the mails. I highly doubt that the address they input is correct. Also, they did not try to send me E-mail notification even though they can easily achieve my school email address. They also did not make a phone call. They representative insisted that they can not do anything about the past due report, so I am desperate to file this complaint.
Consumer complaint received 2018-10-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WESTERN UNION COMPANY, THE (FL)

The western union service was installed in my agency but it was never fully operational, so no transfer of money was ever made. 
Western union tried to fix it twice but could not fix it. 
The person who installed the system told me that someone would contact me to fix the problem and it was not until after 3 weeks that someone contacted me to supposedly repair the system. That person who called me had confidential information about my account and knew that my account was not operational. He asked me to do some things on the computer to fix the problem. 3 days later I received an email indicating that I owed western union XXXX $ Someone made 7 money transfers from my account. whoever did it could enter to the main platform of western union or work for western union since it is the only way to modify the activity schedule of the account. ( XXXX to XXXX ) All transfers were made at unauthorized times ( from 7:31 pm ) I contacted the western union fraud number and they took my complaint, but nothing else. Days later they started to pressure me to pay them without even having an investigation of my case. 
Now they sent the case to the collection company ( XXXX XXXX XXXX XXXX ) and they threaten to affect my credit record. 
I tried several times to resolve the case with western union staff and there was no response. 

Companies involved : WESTERN UNION and XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: JPMORGAN CHASE & CO. (FL)

A collection agency has garnished my pay. I did not receive any notice of this lawsuit. This is for a very old credit card that I paid & closed 12 or more years ago. It was a credit card with a {$300.00} credit limit from XXXX XXXX, which is no longer in business. The claim I had a debt of over {$2600.00}. I paid the small balance and closed the accouint many years ago. This is not a valid debt plus I was not notified. They have already taken over {$800.00} from me. I do not know what to do at this point. Can you help me?
Consumer complaint received 2018-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (GA)

My name is XXXX XXXX and I am currently serving the United States XXXX XXXX XXXX. I have been serving for 7 years and 9 months now and been a member of Navy Federal Credit Union for about the same time. Last month, I filed a dispute with Navy Federal Credit Union about a 30 late day payment. The customer service rep said she could not help me. I was in transition from XXXX from XXXX in the month of XXXX XXXX when this delinquency was filed. My credit card account number is XXXX. I am currently XXXX in XXXX XXXX and want to a house through Navy Federal credit union. 80 percent of my accounts, installment loans, and auto loans and financed through Navy Federal and I love the relationship with this company. I want them to consider removing the 30 late payment in XXXX XXXX. I am trying to finance a house through Navy Federal in XXXX and was confused when they said they could n't help me remove this 30 late payment made in XXXX XXXX. Please help me solve this issue. 90 % of my accounts with XXXX XXXX are automatic payment because this issue I am having today.
Consumer complaint received 2018-11-14
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: U.S. Collections West, Inc. (AZ)

The contract related to the account has been cancelled and is unverifiable please validate this information with the company and provide me copies and documents associated with the account bearing my signature for such charges.I am not liable for any and all 3rd party bill collection accounts as the original creditor has already been paid for such losses through insurance and taxation.
Consumer complaint received 2018-10-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

XXXX XXXX XXXX has called me several times from Unknown Number. They called three times today and I answered the third time ( XX/XX/XXXX ). I  asked them, isnt it illegal to call from an unknown number, and he stated that his company does not do anything illegal. They also called me from an Unknown Number twice on Thursday, XX/XX/XXXX, and I did not answer.
Consumer complaint received 2018-01-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (CA)

I have a loan out with One Main Financial, and I have been paying it faithfully, but I am sometimes late due to my paydays and how they fall. This company constantly calls me from the day the bill is due until like a day after the bill is paid and harass me. They do n't just call once a day they call several times a day and it 's always someone different. This harassment is causing my severe stress and I am breaking out with XXXX  due to it. They will not work with me to be more flexible with the due date so that it does not create this hostile environment. I have never been so frustrated with a company as I am with One Main Financial.
Consumer complaint received 2018-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/18, I saw a {$19.00} charge ( posted XX/XX/18, ref. # XXXX ) on my XXXX XXXX statement , listing TransUnion as merchant and listing toll-free no. XXXX. [ See attached detail in .pdf of credit charge from XXXX online acct. ] I called the no., but because it was a weekend, no reps. were available. I called XXXX and indicated it was an unauthorized charge, since I had not ordered or signed up for any paid service from TransUnion. ( In the last month, the only thing I did was visit TransUnion 's website to create an online acct./profile, to enable me to temporarily lift my longstanding credit freeze online at a future date, if necessary. ) XXXX credit card 's rep. promptly accepted my disputed-charge complaint and reversed TransUnion 's charge. Only the next day did I notice, when I saw my XXXX online acct., that the {$19.00} TransUnion charge was listed as " Recurring. '' Today ( XX/XX/18 ) at XXXX Pac. time, I called TransUnion 's toll-free no. and spoke with tel. rep. XXXX ( employer ID # XXXX, based in XXXX ). I told her about the unauthorized charge and she sounded as if she didn't believe me. I explained I'd registered as a user on TransUnion 's site a few weeks ago, but had not signed up for any paid services. 

I asked what documentation or other authorization TransUnion had on file to justify their charging me $ XXXXmo. XXXX tried to change the subject and said she couldn't find any credit card charge on their system -- even though I was looking at the charge from XXXX 's online access, and had already given her the ref. no. and posting date. She didn't answer my question about what authorization docs. would allow TransUnion to charge me on a monthly basis. 

Then she asked for my complete credit card information, and I told her I was uncomfortable giving her this info. She said she needed it to complete her 'investigation, ' but I declined. This sounds like a scam ( if it was not, in fact, TransUnion 's real tel. no. ), and if it was TransUnion 's no., then they are charging consumers without authorization -- she never told me what the {$19.00} mo. recurring charge was intended to cover.
Consumer complaint received 2018-10-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Federal Adjustment Bureau, Inc. (FL)

XXXX # XXXX needs to produce Documents provided in response to requests for production or in support of responses regarding the alleged account, what is the name and address of the alleged Original Creditor, if different from the Debt Collector. They are report account that I am not aware of. I was a victim of ID theft and I have filed several reports about new or old accounts I do not recognize. Did the Debt collector purchase the alleged account from a previous Debt Collector.If the transfer rights regarding the alleged account were by negotiation, was the alleged account taken for value? How long has this account been in a collection status.These debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. This would include affidavits since said records or documents upon which your office has sent are not original and not admitted into evidence or attached to the complaint or affidavit.