davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-31
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (NY)

American Express cancelled my XXXX XXXX XXXX cards and replaced it with a XXXX Card. The day I received my new XXXX, I saw an Offer on American Express 's Website stating " WELCOME OFFER Earn {$150.00} Back after you spend {$1000.00} in purchases on your new Card in your first 3 months. You will receive {$150.00} back in the form of a statement credit. '' Thus I telephoned American Express and asked for the Preferred Blue Cash Rewards card, and was approved over the phone, and sent this new card. At the time of my request I did not have this product, and also never had this product. Since I qualify for this offer according to American Expresses published terms, this officer should be added to my account, but American Express over the phone has stated the offer is only for new customers. The publisher offers terms does not state it is only for new customers! Please contact American Express, and let them know that I did qualify for this offer. 

The Terms of the offer state " OFFER TERMS Welcome bonus offer not available to applicants who have or have had this product. 

{$150.00} Statement Credit To qualify for the {$150.00} statement credit, you must make purchases with your Blue Cash Preferred ( R ) Card from American Express that total {$1000.00} or more within your first 3 months of Card Membership starting from the date your account is approved. In rare instances, your period to spend {$1000.00} may be shorter than 3 months if there is a delay in receiving your Card. Also, purchases may fall outside of the 3 month period in some cases, such as a delay in merchants submitting transactions to us or if the purchase date differs from the date you made the transaction. ( For example, if you buy goods online, the purchase date may be the date the goods are shipped ) .The statement credit will be applied 6-8 weeks after the spend threshold is met. Qualifying purchases can be made by the Basic Card Member and any Additional Card Members on a single Card Account. Purchases to meet the spend requirement do NOT include fees or interest charges, balance transfers, cash advances, purchases of traveler 's checks, purchases or reloading of prepaid cards, or purchases of any cash equivalents. Additional Card Members on your account are not eligible for this offer. To receive the {$150.00} statement credit, your Card account must be active, in good standing, and not in default at the time the statement credit is posted to your Card account. For questions regarding your Card account, please call the number on the back of your Card. American Express reserves the right to modify or revoke offer at any time.
Consumer complaint received 2016-12-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CAVALRY INVESTMENTS, LLC (IL)

I was a victim of identity theft and noticed a collection from CAVALRY PORTFOLIO SVCS I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against CAVALRY PORTFOLIO SVCS in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2016-10-19
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

I received this email from Wells Fargo : Our records indicate that your Wells Fargo checking account XXXX that is linked to your Bill Pay service has been closed or is no longer available for use with Bill Pay. A Wells Fargo payment account ( checking account ) is required to maintain your Bill Pay service. 

Until you designate another checking account as your new payment account, we have canceled any pending payments and will suspend any automatic ( recurring ) payments that have been scheduled. 

If this was the only checking account linked to your Bill Pay service, please contact us at XXXX. 

If this is not the only checking account linked to your Bill Pay service, please sign on at https : //www.wellsfargo.com to select a new payment account and reschedule your payments. 

If you have questions, we are available 24 hours a day, 7 days a week. Call Wells Fargo Online Customer Service at XXXX or sign on at https : //www.wellsfargo.com/questions to send a secure email. 


========================= Please do not reply to this automated email. To send a secure email, sign on at https : //www.wellsfargo.com/questions. 

I attempted to send them a secure email through their website, but was not able to do so. The email was never submitted. 
I called to discuss the issue with them, but they refused to discuss the issue with me. I have a recording of the phone call as well.
Consumer complaint received 2015-10-16
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I had called to change an address of a nonprofit organization I am operating. They then changed the address of all of my other linked accounts that can be viewed online including my personal home address. This information was also submitted to all credit bureaus and I was getting notices from them that there is a change of address. I was told they can not resolve the issue on the phone. When I informed the bank about the mistake and requested to get this straightened out, it took them nearly 3 months to fix this simple issue and only after numerous emails requesting this.
Consumer complaint received 2017-03-18
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Credit is trying to collect a debt from me that I do not owe. I have never heard of this company nor have I ever done any business dealing with them. They are reporting inaccurate information on my credit report. I did not sign any contractual agreement with this company and I do not have any contractual obligation to pay this company. Also I did not receive a dunning letter to get a chance at rebuttal before reporting to the credit bureaus.
Consumer complaint received 2015-09-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NRA Group, LLC (PA)

I owned a property XXXX XXXX XXXX XXXX XXXXXXXX PA for may years and had it rented. During these years I paid the required housing permit fees and business privilege taxes on my rental receipts. In XXXX I sold the property on a long term agreement of sale and notified the city that the property was sold. They reviewed the contract ( for a fee ) and approved the sale and understood it was no longer a rental property and I would no longer be required to pay these fees. In XXXX I received a letter XXXX indicating that I had not paid privilege tax or permit fees since XXXX and issued a bill which included past fees and penalties. I reminded them of the letter which they issued to me in XXXX and provided it to them. All of this was done in the same department XXXX, but with different employees. I spoke with everyone, except the Solicitor XXXX who did not return my calls or emails ) and was told " we changed our policy ''. My response is and always has been, they could change the policy on new transactions, but my contract was already exempt. Needless to say, this fell on deaf ears and they have continued to bill me and have sent this to a collection agency. My credit has been damaged badly and I seem to have no recourse. I settled on the property after the buyer made his last payment at the end of XXXX, but I still am fighting XXXX on this. Attached is the letters XX/XX/XXXX exempting me from the fees, the letter XX/XX/XXXX trying to collect past fees, the statements from the collection agency, the most recent letters from the collection agency and XXXX indicating that I still owe the fees, and a page on my credit report showing the collection and my otherwise perfect credit. This has cased me great harm, I can not get the same rates or credit that I should be entitled to. Please help me with this problem. Thank you, XXXX XXXX
Consumer complaint received 2016-02-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (MS)

I owed a debt to an original credit grantor, ( XXXX/Dillards ) some how ( XXXX ) XXXX XXXX XXXX was brought in to collect the debt, we ( XXXX and I ) spoke via phone and U.S. mail, after speaking with them on the phone I advised a Division manager that I had received a letter offering me a settlement of the debt, the total was {$170.00} he asked if I could pay the debt I then advised him that I could and we excepted the terms and I paid the debt with my bank debit card, I received a notice of receipt and payment, I also created an account on their web site to monitor the payment and I downloaded and printed a copy for my records, on or about XXXX XXXX I sent a certified letter to two division mgrs. at the same address ( XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX requesting that he or they the company contact the credit bureaus and remove the debt from my credit file since I had complied with their request to pay the debt, I have yet to hear back from one mgr., I have received a letter from the other dated ( XXXX ) stating that I have no further financial obligation regarding my XXXX account with no mention of the XXXX account or that he had contacted them advising them that the debt had been paid and or requesting them to remove their notice of the debt from my credit file as I had requested that they both to do.
Consumer complaint received 2015-07-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

We had a mortgage with Bank of America when my husband lost his job. He was unemployed for 2 years so we filed a forbearance on the mortgage. We sold the house to satisfy the loan and closed on the last day of the 30 day grace period BOA offered us ( XX/XX/XXXX ) and satisfied the loan in full. We were NEVER even 1 day late on a mortgage payment for this loan. Our credit reports have been showing the mortgage on the home as being delinquent for more than 120 days since XX/XX/XXXX even though it was paid in full within the allotted time frame. 
I corresponded with Bank of America and have XXXX letters from BOA showing the loan should not have been marked as delinquent and the letters note BOA submitted corrections to the credit agencies. I have written and telephoned all XXXX credit agencies and the loan is still showing delinquent, even 14 months after selling the home and having BOA send the correction letters. 
On XX/XX/XXXX XXXX XXXX at Bank of America called and she told me BOA contacted all credit agencies and corrected the discrepancy. She believed the discrepancy would be gone after XX/XX/XXXX but it is still showing on my credit report as of XX/XX/XXXX. 
I do n't know what else to do - I have worked with BOA and they said they have done all they can do. I have worked with all XXXX credit agencies and they say the negative data they are getting is from BOA so they ca n't make the change. I have attached supporting documentation including the XXXX letters from BOA and the XXXX page from today showing the loan is marked as a 'negative ' account and delinquent ( but closed ). 
Please help me resolve this problem. I am hoping to purchase a home this fall and can not have this discrepancy in my credit file as it is bringing down my credit score. Thank you.
Consumer complaint received 2022-06-20
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: Experian Information Solutions Inc. (IN)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX 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
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

On XX/XX/year>, XX/XX/year> and XX/XX/year> I sent out letters on these days asking Equifax to remove inaccurate information from my credit file. They continue to report an address that has never belonged to me and continue to report a balance of {$12000.00} with a collection company XXXX XXXX that has been paid in full. I have submitted a letter from the company along with the receipt showing this has been paid on 2 occasions. They continue to ignore my requests and do not update/remove the information or send me an updated credit report as requested. I have also asked for the accounts that exceed the statutory time period of more than 7 years since opening the accounts be removed from my report. I have also asked for names of the sources that they received the information from and got nothing.
Consumer complaint received 2022-08-16
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. (CA)

Complaint To Remove Inaccurate Credit Information To Whom It May Concern : I Received a copy of my Credit Report and found the Following Item ( s ) to be in Error.

By the provisions of the Fair Credit Reporting Act. I demand that these item be investigated and removed from my credit report. It is my understanding that you will recheck these items with creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Section 1681i ( a ), you must complete this reinvestigation within 30 days of reciept of this complaint.

Please send me an updated copy of my credit report. according to the act, there shall be no charge for this updated report. i also request that you send notices of corrections to anyone who recieved my credit report in the past six months.

I Am a Natural Person, I am a living human being, I Have rights under 15 USC 1681. 

XXXX Is Gorvern By The USC 1681. And They Violated My Rights Numerous of times. I Also Demand the ( Accounts Type Below Listed Be Removed, Because According to 15 USC 1681 : I have the right to privacy and did not give consent/written permission to furnish any of these accounts. With images.
Consumer complaint received 2015-05-30
Product: Credit card — 
Issue: Billing statement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was late last month, and charged a {$35.00} because the payment arrived after the closing date. 
The payment was for {$750.00}, payment was credited to my next statement along with a pand to my surprise a late fee for {$35.00}!!!
Consumer complaint received 2015-11-24
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: COMMERCE BANK (MO)

I have a checking account through Commerce Bank. In XX/XX/XXXX, we had to make 2 house payments to prepare for a refinance. I knew there was a chance of an overdraft, but was hoping I would have deposits in time to cover it. I 'm self employed and usually can make deposits every MOnday and Friday. My husband has his paychecks come as direct deposits 2 Fridays a month. So, deposits are continually coming in. Unfortunately we overdrafted. However, I was stunned to find out making a deposit in the drive through XXXX XXXX, 2015 that they were going to start putting a 7 day business day hold on my deposits. This would effect EVERY check we had out as overdraft fees piled up. As of that day fees would total {$460.00}, butthey then returned checks on XXXX XXXX and incurred an extra {$36.00} then XXXX XXXX for {$36.00} and XXXX XXXX for {$36.00} and I 'm assuming today they will return the XXXX debit purchases which will cost me {$36.00} plus XXXX deducts an additional {$25.00}. This is effecting my families ability to purchase things for XXXX. It 's put our family under a HUGE financial strain. The local branch told me they could n't lift the hold so I wrote a letter to Corporate on XXXX XXXX, but got no response which is frustrating. I could understand the " hold '' if deposits we made bounced, but that has NEVER happened! I can NOT change banks because of direct deposits and the hassles of changing other bills. I currently ca n't pay my water, gas or electric bill nor buy food for XXXX. I 'm completely devastated because the money is THERE, but they wo n't allow us to use it. And I 'm frustrated because those checks have already cleared the accounts form the people who wrote them to us. So, Commerce has the money but wo n't let us use it and is acquiring MULTIPLE overdraft fees in the meantime. Plus, I now have to pay fees with companies like our XXXX XXXX car loan check that they returned XXXX XXXX. Money was there to cover it and they charged me overdraft fees TWICE on it and I 'll have a fee with XXXX XXXX as well as a late payment now documented on my account.
Consumer complaint received 2016-09-19
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My Bank of America checking account was overdrawn due to a charge on my account of {$36.00} from XXXX on XXXX/XXXX/2016. A subsequent overdraft fee of {$35.00} was assessed on XXXX/XXXX/16 for the charge of {$36.00}. However, an extended overdraft fee of {$35.00} was assessed on XXXX/XXXX/2016. I explained to the representative that this was not explained to me when I opened the account nor does it show in the Bank of America terms. I spoke with Bank of America rep XXXX on XXXX/XXXX/2016 and ask if this fee could be waived as a courtesy but she refused, only stating that an email was sent to me on XXXX/XXXX/2016 advising me that my account would be assessed an extended overdraft fee if the negative balance was not cleared up. I advised her that the only emails I was receiving from Bank of America were advertisement for money management services. 
I ask to speak with a member of management to which I was connected to XXXX. I explained my situation to her as well and she in turn told me the same thing and refused to assist me. I explained that I wanted to make a deposit to clear up the account today but refused to pay an extra {$35.00} to Bank of America for information that was not communicated to me.
Consumer complaint received 2016-11-30
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Hello, I need your assistance as these banks are misleading people with information. I ask XXXX Bank on more then XXXX occasion what credit bureau do they pulls credit score from and I was told they Pull from XXXX. They Bank of America ( BOA ) pulled my credit report from XXXX when I was instructed they would only pull from XXXX and I got denied credit because I was mislead. I have been with for years and never had any issues until. I would like for BOA to remove the inquire on my credit profile as I did not approve it at all. 

The ask the banker another of time, which credit agency they use and was told the something XXXX I knew there some issue on XXXX that are being corrected, so I would I have never allowed the bank to pull my credit it that was case.
Consumer complaint received 2016-04-08
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Capital Management Services, LP (FL)

I have credit card debt that I am unable to pay at this time ; hope to address without filing bankruptcy. 
My friend advised me that he has received calls from Capital Management Services attempting to reach me to collect a debt. He is not a spouse or family member, but a neighbor. When I called this company, they attempted to say it was my contact info. Total lie, number was never under my name. 
I have read numerous complaints re this group 's illegal and unethical practices. Please stop them.
Consumer complaint received 2016-11-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (WA)

i am following up on a re investigation dispute sent in on XX/XX/2016, Received XX/XX/2016 and signed for at XXXX. today XX/XX/2016 I am speaking with an Experian XXXX. She states the company you have dispute with has 3 options 1 ) Remain 2 ) Delete 3 ) Closed I ask on my second dispute to get validation on this debt with my signature, SS, DOB? 

She replied as this creditor is signed up electronic and does not have to show or provide a copy of my signature or and personal information. it is simple the 3 choice above. 

I went so far as sending a police report stating identity theft and this could possible be an account that drive from it. So they kindly placed me on internal hold and the out come. not removed. Creditor Validation with a 1 of 3 choice nothing more. this is not fair
Consumer complaint received 2016-09-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

I am trying to get one of the collection account off my credit report because the item does n't belong to me. I disputed this account with the credit bureaus and they keep on saying that the item belongs to me. I disputed this account directly to the collection agency who are furnishing this information but they are sending letter back to me saying that the items belongs to me without any documentation to support this actually belongs to me.
Consumer complaint received 2022-08-16
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. (FL)

Item on my credit report are appearing as duplicate. I have filed 2 disputes and they both have come back as updated. 
XXXX XXXX XXXX {$1200.00} XXXX this has been transferred to DEPT OF EDXXXX XXXX on XX/XX/2022 XXXX XXXX XXXXXXXX {$2500.00} XXXX this has been transferred to DEPT OF EDXXXX XXXX XX/XX/2022 2022