davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-11
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Peer Advisors, LLC (DE)

In late XX/XX/XXXX I got a reverse mortgage through XXXX XXXX XXXX XXXX  and their agent XXXX XXXX XXXX. The contract calls for me to email a draw request for funds, then the money is transferred to my checking account within the agreed upon 5 business days. 
On XX/XX/XXXX I made a request for funds. 
On XX/XX/XXXX I asked for an acknowledgement of my request. No reply. 
On XX/XX/XXXX I sent a second request for acknowledgment. No reply. 
On XX/XX/XXXX I sent another email subject " are you out there ''. 
On XX/XX/XXXX, I finally did get an automated reply from XXXX  XXXX XXXX including " This is being sent to you to acknowledge the receipt of your e-mail. Please note that it is not necessary to submit your e-mail more than once. '' ( See attached emails. ) On XX/XX/XXXX - I still did not have my money, I finally called XXXX XXXX and was told just because I see that I sent emails does not mean they got the emails?! I was told maybe I had the wrong email address. Later XXXX XXXX XXXX XXXX  had a supervisor from XXXX XXXX   call me - she also suggested maybe I transposed some wrong letters in the email address. She would try to expedite the matter for me. 

XX/XX/XXXX, today, and still no money way past the 5 day period. I am about to incur a {$500.00} late penalty for not paying my yearly condo fee on time. I need help.
Consumer complaint received 2019-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX I went onto Capital One online to check my score through there credit wise there were Credit inquiries on my report that I don't recognize because I never authorized any of them or signed anything giving anyone any right to run my credit on the following hard pulls I am being accused of. 

XX/XX/XXXX XXXX through XXXX  XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX all on XXXX
Consumer complaint received 2019-01-11
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: Synovus Bank (NV)

XXXX XXXX XXXX is incorrectly reporting with the CRA 's ( XXXX, XXXX, XXXX ) that  I owe a balance of {$180.00} on a closed/charged off account. How is this possible? If an account or trade-line is charged off, how is there a balance owed? A 'charged off ' account has been written off of the alleging company 's books and is usually covered by insurance or given some sort of tax credit. This trade-line CAN NOT be 'written off ' and have a balance and is CLEARLY in violation of federal law ( s ). The guidelines afforded to me, a litigious consumer are as follows ....

When you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) You may be exempt from this requirement if you give an address for consumers to report inaccurate information, but you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate. FCRA Section 623 ( a ) ( 1 ) ( C ) Guidelines for Policies and Procedures You must establish and implement written policies and procedures regarding the accuracy and integrity of information you furnish to a CRA. Guidelines are in Appendix A to Furnisher Rule Part 660. Read the Appendix ; the information here is just a sample.

Your policies and procedures : must be appropriate to the nature, size, complexity, and scope of your activities ; must be reviewed periodically and updated, as necessary ; should ensure that information provided to a CRA is for the right person, and reflects the terms of the account and the consumer 's performance on the account ; require maintenance of records for a reasonable amount of time ; establish internal controls for the accuracy and integrity of information, such as through random sampling ; prevent re-aging ( inaccurately changing the date of first delinquency on a consumers account to a later date ) and duplicative reporting, particularly following portfolio acquisitions or sales, mergers, and other transfers ; and require updating of furnished information where necessary.

Information should : be substantiated by your records when it is furnished ; include consumer identifiers, like name ( s ), date of birth, Social Security number, telephone number ( s ), or address ( es ) ; and be furnished in a standardized form and specify the time period it pertains to.
Consumer complaint received 2019-04-16
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. (MI)

Received my Experian, XXXX and XXXX Credit reports dated XX/XX/XXXX Two account are reporting inaccurately 1, XXXX XXXX # XXXXxxxxxxxxxx * Reporting I was 30 days past due in XX/XX/XXXX. This is not correct, I have never been 30 days late or more with this account. 
* Balancer being reported is inaccurate. Reporting a {$180.00} balance, I paid this account off, there should be a XXXX ( XXXX ) balance, Please update. 

2. XXXX XXXX Acct # XXXXxxxxxxxx ; Reporting the balance as {$960.00}, Balance is actually {$810.00}. Also reporting I was 30 days late for XX/XX/XXXX. I was not late, have never been late. Please update correctly.
Consumer complaint received 2019-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

In XX/XX/XXXX I issued a dispute with Experian concerning my XXXX XXXX XXXX  account reporting inaccurately. The XXXX XXXX XXXX  account was charged off in XX/XX/XXXX and sold to XXXX. However, XXXX XXXX XXXX  was reporting the CR as if there were late payments. I also asked the account to be updated to a paid charge off as I had paid the XXXX account as requested. On XX/XX/XXXX, I disputed the account once again to remove the late payment activity and on XX/XX/XXXX Experian updated my account indicating yet another failure to pay account activity for XX/XX/XXXX and that in fact lowered my score that day 14 points. I have since disputed the times again over three times with both companies to have the issue resolved. XXXX XXXX XXXX  should not be reporting any recent activity as they were paid in XX/XX/XXXX when they sold the account. Each company keeps telling me to dispute with the other and the results continue to be the same with no correction. I was told that the decrease in points was due to my dispute and the update to my account. Experian is reporting the balance was updated to {$0.00} on both months but that is not a change as the balance reflected that in XX/XX/XXXX when XXXX took the account.
Consumer complaint received 2019-04-16
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Case number XXXX Bank Of America NA In XX/XX/XXXX I received a XXXX XXXX gift card for enrolling and meeting certain requirements for a Bank Of America credit card sponsored by the XXXX XXXX XXXX. In XX/XX/XXXX I tried to use the card and was told by XXXX that the card was never valid. I then contacted Bank of America who insisted the only way to get a new card was to mail them the old card first. I explained to them I could do this but then would have no proof that I owned the card. Instead I suggested that they take the serial number of the card and check it for themselves, they refused. I than suggested they email me or send a letter giving me directions as to an address. They would only give me an address over the phone. I than agreed to send the card but only by registered mail which I expected them to pay for. They refused. I then contacted the XXXX, they were able to contact BOA and arrange a new card sent. They were given an address to give to me to send the old card back after I received a new one. While I did get my card it was not without many phone calls various agents and managers and what bothers me most is I do not have one shred of documentation that this activity took place. If I died tomorrow the entire episode would die with me. Worst of all it seemed like the Bank felt they could do and say what they wanted. Thanks
Consumer complaint received 2019-04-16
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: EQUIFAX, INC. (NC)

I sent investigation requests in to the credit bureaus back on XX/XX/XXXX. They were supposed to respond within 30 days, but they have not.
Consumer complaint received 2019-01-11
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: LEXISNEXIS (CA)

I contacted the credit reporting agency Lexis Nexus to at a security freeze to my report with the company I provided all the information by mail, Fax and Phone they haven't provided me with any information that my report has been locked of that the security freeze has been placed on my credit file with there company.
Consumer complaint received 2019-04-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (FL)

I was answering to an add at XXXX to purchase hay for my animals. XXXX texted me at XXXX that he doesn't have any more hay available, but his friend in Ohio has some he would ship to me. He gave me a quote over {$1300.00} and asked to pay him via XXXX. He texted me from XXXX and told me to use his email XXXX to send the money via XXXX . I have not received a bill, an invoice or a name. The phone is not registered and this email is marked as a scam email. He ceased contact and dies not answer his phone.
Consumer complaint received 2019-04-16
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. (TX)

XXXX/Transunion is showing that this is my account I tried disputing it with them and they came back saying that this account will stay on my report. This is not mine I have never had a XXXX XXXX XXXX credit card, I solely have a XXXX XXXX XXXX bank account. XXXX
Consumer complaint received 2019-01-10
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 (VA)

apply for a delta skymiles credit card. When they applied, they offered me XXXX thousands, after spending {$3000.00}, I spent more than that and paid interest in order to earn the miles, and I called to see what happened and they said they would not give it to me. 
because at the time of applying they say that they will give the reward.
Consumer complaint received 2019-01-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAVALRY INVESTMENTS, LLC (FL)

Cavalry needs to terminate its collections activities and remove its entries off of all credit bureaus as this debt is now beyond the Illinois Statue of Limitations of 5 years. XXXX and XXXX have already issued XXXX in both XXXX and XXXX for other debts because all my credit card problems started when I defaulted on all of my debt in the final quarter of XXXX. I have been harmed and denied credit because of their actions. I disputed this via XXXX XXXX and I received the attached scan saying that the debt was valid. 

In addition, they illegally served my father with the same name as me ( XXXX XXXX ) with papers to go to court in XXXX County Illinois. My father suffers from XXXX/XXXX and had to go to court to to demonstrate that he is not me. My family tried to explain to the process server and the company that he is not me, but they would not listen. My brother who was a XXXX county sheriff police officer had to accompany my father to court because he was not able to go on his own! This was a very upsetting experience for my father, and he suffered XXXX XXXX XXXX from the entire situation. This company should be sanctioned for these actions and I would gladly cooperate in any proceedings against them.
Consumer complaint received 2022-11-23
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. (NC)

As a human being, I have rights under 15 USC 1681 XXXX is govern by 15 USC 1681.They violated my rights and I demand the account XXXX XXXX be removed According to 15 USC 1681 I have the right to privacy
Consumer complaint received 2019-04-16
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. (VA)

Hello, I have a Chase XXXX XXXX Visa credit card that had a promotional offer stating if I made a purchase at a retailer, XXXX, I would receive 10 % cash back on my credit card, up to {$17.00}. I activated this offer, then proceeded to make a {$260.00} on XX/XX/2019 ( see Attachment 1 ). I checked online and was only credited {$9.00}. Chase stated because XXXX broke up my SINGLE transaction into two separate charges ( not sure why they processed this transaction this way, see Attachment 2 ), I was only eligible for {$9.00} instead of {$17.00}. I feel like this is an unfair business practice as the consumer does not control how the merchant processes and ultimately charges customers. I contacted Chase two times, and the first individual said they would refer my complaint to card services. I received notification via mail ( see Attachment 3 ), that I would only be credited {$9.00}. I offered to send my receipt to the credit card company and they did not care. They said I would need to contact XXXX. This offer was made to me through Chase, so I don't understand how XXXX would be responsible for crediting me the remaining {$8.00}. I feel that if this is a standard practice, there are likely other consumers that are also being treated unfairly after spending the required amounts of money to qualify for these offers. This seems like an unfair business practice. I upheld my end of the agreement, used this card for this reason, and was told I would not receive the promised amount. While the amount is arbitrary ( {$8.00} ), it's the practice that I feel is abusive, and as I mentioned earlier, other consumers are likely impacted by this practice. In aggregate, who knows -- XXXX has a large customer base and Chase is probably gaining a large amount of XXXX XXXX Credit Card holders through this relationship. If customers are not actively checking their accounts for credits, they would not know that they were losing money promised to them by the creditor. 

Thank You, XXXX XXXX
Consumer complaint received 2019-04-16
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. (AZ)

My TransUnion credit report has absolutely no record of any reporting on my 2 credit card accounts with XXXX XXXX. I have made many phone calls to both XXXX XXXX and TransUnion over the past several months but this problem is still not solved. 

TransUnion says that XXXX XXXX is not reporting. XXXX XXXX says they are reporting. TransUnion tells me to contact XXXX XXXX. XXXX XXXX  tells me to contact TransUnion. Nobody is willing to take action to solve this problem. 

I wrote a letter to TransUnion to dispute my incomplete credit report on XX/XX/2019. They responded by sending me a copy of my credit report. However, I was not requesting a copy of my credit report. Rather, I was disputing the incompleteness of the report. 

By failing to properly respond to my complaint within 30 days, TransUnion has violated my rights under the Fair Credit Reporting Act.
Consumer complaint received 2019-04-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (WI)

Both of my parents XXXX in 2017. They are the mortgage holders on the property at XXXX XXXX XXXX XXXX, WI XXXX. Mr. Cooper is the mortgage holder on my dads property. I have sent in the necessary documents and mads many attempts to talk to a supervisor n the account. They keep saying that didn't get my email when it shows that it was received. They keep sending my payments back to me. Mr. Cooper has started the foreclosure process on the house. I keep getting different answers from different representatives. I am currently in probate court. There is no state law or statue that states you have to a become " successor of interest '' through the court system. Mr. Cooper is requesting court documents that show I am the successor of interest.
Consumer complaint received 2019-04-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southern Credit Recovery, Inc. (LA)

This debt ensued because of the following : Good morning, The balance in collections are from dates of service XX/XX/XXXX and XX/XX/XXXX. Date of service XX/XX/XXXX was originally paid by XXXX in XXXX of XXXX then recouped in XXXX of XXXX. They are stating that you had other insurance and they did not receive information regarding the other insurance from you. Date of service XX/XX/XXXX was originally paid in XXXX of XXXX then recouped in XXXX of XXXX for the same reason. Please let me know if you have any other questions. 

Thank you, XXXX I contacted the original hospital XXXX XXXX and told them what had happened and asked them to resubmit the claim to XXXX. They failed to do so and instead turned it over to a collection agency. I have tried for the past four months to get the collection agency as well as the hospital to respond to my requests to validate and nothing. It wasn't until I emailed everyday for 3 weeks did they finally respond with the above information.
Consumer complaint received 2019-04-14
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. (SC)

Requested an address update and hard inquiry removal. I do not wish to place a fraud alert on my account at this time, I have a freeze instead. I've had several attempts of someone trying to open accounts in my name because I was still receiving prequalified offers in the mail at a previous address. I've purchased a home and no long want to receive promotional offers from companies that Experian allows to do a soft inquiry on my credit profile. I would like for Experian to block and remove any inquires that didn't originate from me as well as update my current address to show accurately. I've also send this information to you via Experian UPLOAD.
Consumer complaint received 2019-01-11
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: JPMORGAN CHASE & CO. (FL)

I registered for my Chase card XX/XX/XXXX. The promotion I signed up for was to spend {$2000.00} and earn XXXX reward points. I contacted Chase in XX/XX/XXXX prior to my 3 months period ending to confirm I have met the requirements and the Chase representative assured me I met the requirements and do not need to spend any additional dollar amounts. 

I tried to create my Chase XXXX rewards login but I was having trouble being that the points did not show in my account. I contacted XXXX regarding the points starting XX/XX/XXXX they assured me they will reach out to Chase and follow back up with me. A week later, I get an email from XXXX stating Chase denied my request and the offer is to spend {$3000.00} for XXXX points. I sent a screen shot of the promotion I signed up for and a few days later they responded saying they can not assist me. 

I contacted Chase multiple times and they assured me they will work on it and follow up with me. A week passed and I did not hear back from anyone. On XX/XX/XXXX I called Chase again and the representative said she would place an encounter for me to escalate my case and to follow up the following Monday. On XXXX I called back and another Chase representative said there are no notes on the account or escalations. I explained I am planning my wedding and would like to use the points soon and if possible to mark it as urgent. She told me she can't and to follow up on Friday XX/XX/XXXX. I called today and I spoke with XXXX, supervisor at Chase and he told me the request is denied and there is nothing he can do. I explained to him the offer I originally signed up for was to spend {$2000.00} for XXXX points in return which I met and was assured by a Chase representative. I told him I have a picture of the promotion and I can send it to him and he insisted Chase will not honor it. 

XXXX went on to say he can not help me however, if I can give him the EXACT date I called Chase ( over 4 months ago ) he can place a request to listen to the call. Of course, I couldn't pin point the exact date and XXXX went on to say there is nothing he can do for me. I have been a loyal Chase customer for over 6 years.