davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-14
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: JPMORGAN CHASE & CO. (DC)

On XX/XX/XXXX, I received an email from XXXX/XXXX  which said that, if I apply for the XXXX XXXX XXXX by XX/XX/XXXX, I  would get XXXX bonus award miles after spending {$2000.00} on purchases in the first three months the account is open and a {$0.00} Intro Annual Fee for the first year. On XX/XX/XXXX, I applied and received confirmation that my new card was on the way ( attached ). I spent more than {$3000.00} within the first month of opening the account, more than qualifying for the XXXX rewards miles, but XXXX/XXXX  only awarded me XXXX miles, not the XXXX promised in the email. I have called XXXX/XXXX about this issue twice, and they have told me that I did not sign up for the XXXX mile offer, but for a different offer that awarded XXXX miles after spending {$1000.00}. I do not even remember receiving that offer. My understanding from the XXXX XXXX email was that, as long as I ( a ) applied with my rewards number by XXXX XXXX, and ( b ) spent {$2000.00} then I would receive the XXXX miles. I did both A and B, but they are now refusing to honor the XXXX miles promised in the promotional email. XXXX/XXXX says that I am trying to " change the offer I signed up for and that offer is now expired '', but I am not trying to change my offer. I am trying to get them to honor what they promised in the XXXX XXXX email. I thought that is what I would receive when I signed up and spent {$2000.00}, which is why I saved the email. By sending the XXXX XXXX email that it now refuses to honor, XXXX/XXXX made an unfair representation that mislead me, a reasonable consumer, into signing up for their card and spending my money with them. I have called XXXX/XXXX three times about this issue and they have told me they do not have the power to grant my request, even though it is what they promised in the promotional email to me.
Consumer complaint received 2022-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (CA)

Requested student loan payment refund for the payments I made between XX/XX/XXXX to XX/XX/XXXX. Request first made over the phone on XX/XX/XXXX, but Aidvantage didn't actually submit my request until I called on XX/XX/XXXX. At the time I was given an estimated eta of up to 6 weeks until I will receive the refund. As of XX/XX/XXXX, Aidvantage has yet to even update my loan balance on their site, let along forwarding my balance to FSA.gov. I was further notified that the processing time is now up to 12 weeks. The loan was transferred from XXXX and all payments were made while the loans were still serviced by XXXX.
Consumer complaint received 2022-10-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TN)

I was lured into a scam by a company that was impersonating an exchanged could have been impersonating a company call XXXX XXXX. they guaranteed me a 40 % return on my investment. they have the same logo as XXXX XXXX, they took my money and then took the exchange down. this all happened during XXXX and XXXX of XXXX
Consumer complaint received 2016-01-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AFNI INC. (TX)

ANFI, a third party debt collector has placed an account for collection on my credit report. They claim that the original creditor was XXXX XXXX XXXX. The amount of the debt is reported to be {$550.00}. I have contacted them but have yet to be given any record of where the debt is coming from. I am and have been a customer of XXXX XXXX XXXX since about 2003 and to my knowledge do not owe them for any outstanding balance. I would like to receive a copy of an invoice, statement or bill showing me as the original debtor and some indication as to what the bill was for.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate. 
Please remove these Inquiries from my credit report.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2022-10-25
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-09-12
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. (PA)

My name is XXXX XXXX XXXX XXXX and i am submitting this complaint without any influence from any 3rd party or agency. I am a consumer and reporting ID theft. The inquiries were NEVER authorized XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2017-08-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BOK FINANCIAL CORP (NM)

This is my second time filing a complaint. I 'm complaining about the Bank of Albuquerque. I am not sure what agency I used to complain to before. They contacted my bank, and I received a phone call from my bank apologizing and refunding the NSF fees. He asked that I contact him directly in the future if I have another issue. I can not find his information. I called my bank, and they do n't seem to have the information either.
My bank will process the largest check first then the smaller checks/drafts especially if the larger check/draft will deplete the funds. Thus, causing instead of 1 NSF fee, it could be 2 or more. I have both a Business and Personal account with Bank Of Albuquerque. I have been known to transfer money to the wrong account, or forget to do a transfer, therefore causing an overdraft. I 'll accept responsibility of my errors. But, my bank is charging excessive NSF fees. The summer is my slowest time for my business and sales are very slow. These NSF fees have put both accounts in the negative and I currently can not operate my business. I phoned the bank and they claim they process the checks in chronological order. I find it extremely odd that it is the LARGEST check the comes in first, every day!! Years ago I complained and at that time they claimed that they process the larger checks or drafts first because they feel it is probably the most important. It is apparent they have a 'canned ' response for their bank holders that complain. It is my understanding this process is illegal.
I live in a community with a lot of retired people on limited incomes. How many other people are receiving these excess charges?
Consumer complaint received 2022-10-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MA)

To Whom it may Concern, This must be unfair, deceptive and fraudulent practices by Rushmoore Loan Management Services and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  We Received a letter from the attorneys office XXXX, XXXX and XXXX XXXX. Notice of intent to for close dated XX/XX/XXXX and sell at auction XXXX XXXX. 
We are beside ourselves with fear. PLEASE HELP US SAVE OUR HOME of 16 Years! 
In XX/XX/XXXX XXXX incorrectly denied us a covid relief for our mortgage. 
In XX/XX/XXXX XXXX incorrectly denied us for a covid forbearance AGAIN In XX/XX/XXXX We appealed the decision with a resolution. We were STILL denied assistance. 
In XX/XX/XXXX XXXX pushed us off and sold our mortgage to Rushmoore Loan Management Services. 
XXXX informed us our payments would stay the same. 
Our First Loan Payment of {$1800.00} was due in XX/XX/XXXX ( no penalty 's or late fees for 60 days. Well that never happened, completely lied to and deceived. 
We sent our first payment XX/XX/XXXX for {$2000.00} dollars ( more than the minimum ) We sent the second payment on XX/XX/XXXX for {$2100.00} dollars ( more than the minimum again ) Neither checks were applied and the checks were returned with a letter stating they want {$56000.00} dollars. 
Neither Company offered us covid help. We were both out of work for long periods of time. 
My girlfriend had to quit her job to stay home with our then XXXX old daughter to home school for XXXX straight years as our schools were closed. 
COVID destroyed our Family. WE LOST SO MANY ... AS WELL AS LOSING OUR LIVELIHOOD. 
We absolutely should have been given the opportunity to pay when we could.They were both absolutely no help at all. They always rejected a payment. 
Our XXXX percent interest and all the penalties and late fees are just over the top. 
We struggled to keep food on the table and heat in the winter. The stress was unbearable at times. 
We have gone through Mortgage company after company. 
XXXX XXXX was our first Mortgage company- XXXX XXXX was our second ( oddly never mentioned in the letter from the attorneys, we paid mortgage payments to them for years ) All the other companies are mentioned. 
- XXXX XXXX XXXX XXXX ( XXXX ) was our third - Rushmoore Loan Management Services is our fourth. 
My Girlfriend is signed to communicate with both companies and has kept every letter, and application process from both companies. 
PLEASE HELP
Consumer complaint received 2017-08-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (WA)

I took a {$800.00} loan out on XXXX XXXX. I was not informed of the 523 % interest rate and I was told there was only a monthly payment of {$180.00} come to find out its bi weekly. I was unable to view the truth in lending disclosure until after the loan had been processed and funds delivered to my account.
Consumer complaint received 2017-08-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pendrick Capital Partners Holding, LLC (PA)

On or aboutXX/XX/XXXX, I received correspondence from a debt collection agency named Affiliate Asset Solutions , LLC regarding an alleged medical debt in the amount of {$1300.00} for services rendered to my son on XX/XX/XXXX.
This was the first and only notice I received regarding this alleged debt. The correspondence identifies the original creditor as XXXX XXXX XXXX XXXX. While my son did visit the emergency room on XX/XX/XXXX, the only billing I have received which was covered by my insurance in the amount of {$1800.00}. On XX/XX/XXXX, I contacted XXXX XXXX Hospital in XXXX XXXX, PA who confirmed the amount of {$1800.00} was paid by my insurance.
I pulled my credit report to see if there was any collection activity related to this creditor and there is none. I do not believe I owe this debt. My insurance would have covered any medical costs. Thank you for your help in advance.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-10-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affirm Holdings, Inc (TX)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2017-08-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (CO)

I have not been able to get the mortgage company ( Fay Servicing ) to pay my Abatement Contractor. The work by them is complete and the mortgage company has had the funds for 2 months now. The contractor is getting ready to send us to collections and have added interest to the amount owed. I have been on the phone at least once a week with my mortgage company and have only been told it is in review or they need to inspect the work, but have not set up an inspection date.
Consumer complaint received 2017-08-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (NH)

Creditor Name HUNTER WARFIELD INC Account No. XXXX Original Creditor XXXX XXXX XXXX Responsibility Individual Condition Derogatory Original Balance {$2100.00} Balance {$3100.00} Date Opened XXXX/XXXX/XXXX Date Reported XXXX/XXXX/XXXX Remarks Placed for collection They are trying to collect on a last month of rent for a place that was moved out to due BLACK MOLD, Broken garbage disposal and kept back flowing into the dishwasher/clean dishes so I was force to hand wash all dishes and the outside of my door was graphittied with a XXXX which was not taken care of.
Consumer complaint received 2017-08-12
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Franklin Collection Service, Inc. (CA)

I have never heard of XXXX XXXX XXXX or have had any communication from them. They appear as a negative collection mark on my credit report. When I disputed the collection, the results came back as it was my debt but I have not received any information on what the debt was for. I have never heard of XXXX XXXX XXXX nor have I ever received any communication from them.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

I asked for legitimate documents to prove the appearance of these items in the credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-08-14
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (TN)

I have been receiving a minimum of 4 phone calls a day from Care Credit due to a late payment. The company calls every day of the week, and the phone calls start anywhere from XXXX to XXXX. The phone calls started out as once per day leaving an automated message on my voicemail, and once I answered and spoke with someone explaining I work third shift and to stop calling me. After speaking to someone and requesting the calls to stop, the company began calling 4 or more times a day. No messages are being left, and if I do answer, they hang up. I 've resorted to installing an application on my phone so the calls go directly to voicemail instead of waking me up every two hours when they call
Consumer complaint received 2017-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Onity Group Inc. (FL)

GMAC Mortgage company is reporting a bankruptcy write off in XXXX, XXXX. The bankruptcy was filed in XXXX XXXX, discharged in XXXX XXXX and paid in full in XXXX XXXX. GMAC sold the mortgage in XXXX XXXX and was not even a party in the discharge. XXXX XXXX is almost 5 years past the filing, over 4 years after the discharge, over 4 years since they sold/transferred the loan, and over 6 months since the loan was paid in full to the Company they sold/transferred the loan. Impossible to have ANY activity in XXXX XXXX.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MA)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under XXXX XXXX XXXX XXXX ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX XXXX XXXX XXXX ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2017-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NATIONWIDE ACCEPTANCE LLC (CA)

Nationwide fraudulently reported several accounts on my credit reports using different names. Now, this company has re-aged this account on all of my credit reports ; making it appear that the account was charged off in XXXX. They are reporting that I have negative payment history since XXXX. This is not true. The account was closed in XXXX. Nationwide is reporting this false and incorrect information to XXXX, XXXX and XXXX.
Consumer complaint received 2022-09-13
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. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX Date XXXX : XX/XX/2012 Balance : {$7500.00}