davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-02
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 (NJ)

I signed up for an American Express XXXX XXXX XXXX that promised XXXX membership rewards points after spending $ XXXX. I spent the $ XXXX and noticed that the points hadn't posted after a few days. After calling American Express they said this would be fixed in a few days. Today I called back after a week of not hearing anything, and was told that I would have to wait 12 weeks to begin the process of escalating. They also said that I would have to pay the $ XXXX bill in the meantime. 

This is not what I signed up for. The points should be posted on my account already, or I shouldn't be required to pay the $ XXXX bill until the points have been delivered. All reports I read online say that this will drag on for months and that American Express will never actually deliver these points. 

I am getting multiple conflicting reports from American Express as to what the issue is. But the short answer is that I have spent the $ XXXX that I agreed to, so now they should add the XXXX membership rewards points onto my account.
Consumer complaint received 2023-08-02
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. (NV)

I am submitting this complaint for the eleventh time to once again for a reason that am still seeing these accounts in my XXXX and TransUnion credit file. And it was already making me anxious as even how many times I am requesting the XXXX and TransUnion Credit Bureaus to investigate and rectify the inaccuracies associated with these accounts, they persist in displaying the wrong status. And this blatant disregard for accuracy has unjustly tarnished my credit standing and scores. I have made my decision, and it's high time the XXXX and TransUnion Credit Bureaus to REMOVE these specified accounts from my credit file : XXXX : XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance $ - XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance $ - XXXX XXXX Date opened : XX/XX/XXXX Balance $ - XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance $ - XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance $-
Consumer complaint received 2017-03-13
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: American Credit Acceptance, LLC (FL)

I financed a vehicle through American Credit Acceptance and XXXX 18 months ago. The vehicle turned out to be a lemon. Two weeks after purchasing it, I had to take the vehicle back to the dealership for major repairs. Those repairs were again repeated two weeks after that. Over the course of one year, countless repairs were completed on the vehicle. In most of these situations, the vehicle had to be towed raking up additional cost. One year after the vehicle was purchased, the vehicle was deemed inoperable. It requires an engine to operate, approximately {$2600.00}. XXXX refuses to deal with the situation and American Credit Acceptance has been impossible to work with. The value of my vehicle is {$200.00} according to XXXX and ACA is requesting a minimum of {$3500.00} in 15 days. The co-borrower on this account is XXXX and such a lump sum is a ridiculous ask when you are caring for primary medical needs. 

ACA is the absolute WORST finance company to finance a loan through. They have predatory lending behaviors and have already been sued by the state of Mass. for these very things. 

Every time we called, we received a different story-line, countless careless employees, and was even refused service by a member of " upper management ''. 

Below are a list of employees I worked with : XXXX ; provided false information XXXX ; repeatedly stated that there was no flexibility XXXX ; refused to service us XXXX ; threatening to hang up the call
Consumer complaint received 2022-12-03
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: EQUIFAX, INC. (MS)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 : XXXXXXXX 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 2020-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

A credit inquiry showed up on my credit report from XXXX. I did not authorized this and would like this removed from my report. I am not able to in contact with company due to corona virus, but would like to get this resolved as I hope it does not involve identity theft.
Consumer complaint received 2024-03-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.
Consumer complaint received 2023-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (LA)

The company involved is " Chase Card Services '' or commonly known as J.P. Morgan Chase ( JPMC ). Other creditors referenced below are not a part of this " complaint. '' In XX/XX/2023, I learned I was the victim of ID theft and 5 accounts at 4 creditors were opened in my name without knowledge or authorization from me. I found the accounts through my credit report and contacted all creditors. There were 2 accounts at Chase Card Services ( CCS/JPMC ) and 1 each at 3 other creditors. I contacted all 4 creditors, the 3 credit bureaus, and FTC Identity Theft report center. XXXX XXXX, XXXX, and XXXX found in my favor, notified me, and had the negative accounts removed from my credit report occurring in an improvement to my credit score. 

Of the 2 CCS/JPMC accounts, only 1 was ever used before it was charged off. The other was closed before the startup fee was paid. I focused on the negative account. CCS/JPMC denied my dispute saying " The account was opened with an address we confirmed through public records. We mailed credit card statements to this address, and they were not returned. '' I contacted CCS/JPMC and said I have a " public record '' that I live at a different address and did not receive any CCS/JPMC statements. I imagine the fraudsters may have received the statements and did not voluntarily return them, thereby self reporting their crime.

I then disputed the denial. I submitted the referenced letters from the other creditors finding in my favor as evidence to CCS/JPMC. They denied the dispute again and said " You have accepted responsibility for this account '' and " We previously sent a one-time passcode to your verified phone number. '' I personally never accepted responsibility nor received a passcode ; however, I imagine the fraudsters did that in my name. I then contacted CCS/JPMC again to see about my options, they said something like they will look into it but ultimately denied me saying, " Our latest review confirms our previous finding that the account is valid '' and " You're responsible for the account in accordance with your Cardmember Agreement. '' Also, that no further review will be taken w/o new information. More of the same ; not my agreement as I never applied. I am now seeking assistance here.
Consumer complaint received 2023-04-12
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: EQUIFAX, INC. (IN)

I am writing to dispute the following addresses. It does not belong to me. I never lived in these addresses and I was contacted by a collection agency regarding the accounts that are associated with these incorrect addresses. I also have no knowledge of obtaining any of the inquiries listed here. 
XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Fraudulent Inquiries XXXX XXXX Date of Inquiry XX/XX/2021 XXXX XXXX XXXX Date of Inquiry XX/XX/2021 XXXX XXXX Date of XXXX XX/XX/2021 XXXX Date of Inquiry XX/XX/2021 XXXX  Date of Inquiry XX/XX/2021
Consumer complaint received 2023-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (NC)

Someone, somewhere, & somehow has gotten my social security number and applied for bunches of different credit cards online apparently because I have XXXX hard inquiries and I did NONE them myself!!
Consumer complaint received 2023-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist
Consumer complaint received 2022-12-08
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: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-06-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (IL)

On XX/XX/2023 I was replying back to a work from home company called XXXX XXXX which is a very creditable company. I was contacted via text, and this person stated that I was selected for an interview for the job. This interview was held on an app called XXXX. The person I was talking to was impersonating as an employee from this company. They gave me sets of interview questions that seemed legit and once I was done they told me that they would get back to me the next day to let me know if I got the job or not. On XX/XX/2023 I was giving the news that I got the job. I was given an offer letter with the actual companys logo on it and everything. The impersonator went on to explain what the job entails. They told me that the equipment I was going to need would be paid for but I would have to cash a check provided by XXXX XXXX to buy the equipment. They sent the check of {$3100.00} and once I tried to deposit this check my account at Huntington Bank closed. I ended up calling Huntington and ask them what the problem was. Apparently, the check turned out to be fraud. The account was then overdraft of the {$3100.00} and once I told the impersonator if they were scamming me they tried to plead it wasnt a scam. The impersonator also asked how much money could I pay out of MY pocket also since my account closed. I stopped talking to them after. I know Huntington has a strict policy but I need them to understand that this was not to my knowledge all this was a scam. It seemed to good to be true but as a XXXX XXXX XXXX XXXX who is desperately looking for a job in these times it was an honest mistake.
Consumer complaint received 2023-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (FL)

On XX/XX/XXXX I orderd a {$600.00} Flute from XXXX XXXX XXXX website using my Synchrony Bank / TJX Platinum Mastercard the item was never delivered/sent to me as promised as indicated on my confirmation of sale email from the seller XXXX XXXX XXXX. On the seller website when I placed my order the delivery date was 90 to 180 days for the flute to be made and sent to me as indicated on my confirmation email from the seller. I emailed the seller asking about the item after waiting 180 days and was told that the item was not done I asked the seller to cancel my order the sellers response was they don't offer refunds. I then placed a dispute with my credit card company Synchrony Bank / TJX Platinum Mastercard I provided the confirmation sales email that indicated the 90 to 180 days for completion. Synchrony Bank / TJX Platinum Mastercard denied my chargeback as the seller claimed that I agreed to wait XXXX months or a year or however long it would take to send the item out to me, that is compltely untrue and I have the confirmation email that indicates otherwise. The seller changed the dates because they were taking orders that they were unable to fufull in the timeframe that I was given when I placed my order on XX/XX/XXXX. I tried to dispute the charge agin as I still have never received the item and the dispute was denied agin and the seller calmed that the item was deleverd but no proof of that because the item was never sent out. I have a confirmation of sale email from this seller and you can check the shipment status it clearly shows the item was never sent out. I ordered another item from this seller before this and on that confirmation email the status shows delivered. I have placed a complaint with the XXXX XXXX XXXX and the XXXX tried to make contact with the seller multiple times and did not get a response. My complant about XXXX XXXX XXXX is listed online with the XXXX. I will continue to dispute this charge I agreed to the the item being sent out in the time frame on my confirmation email and the website on XX/XX/XXXX ( XXXX to 180 days ). The merchant has changed the their website and policy due to not fulfilling orders in the timeframe that they gave to me and other customers on or before XX/XX/XXXX. I NEVER AGREED TO WAIT XXXX MONTHS OR A YEAR OR MORE!! Completion date given XX/XX/XXXX or XX/XX/XXXX ( item never completed or sent out ) I recently sent letter and a copy of the confermation to Synchrony Bank XXXX TJX Platinum Mastercard. Any help with this matter would be greatly appreciated. I am a XXXX Veteran and what I thought would be an easy fix has caused my so much XXXX
Consumer complaint received 2023-06-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (GA)

XXXX 2023 Notice from XXXX XXXX that taxes were not paid and lien would be filed XX/XX/2023 Contacted SLSXXXX  - They opened a case to research Was told it would take 10 days, Multiple calls to find out what happened and what was being done One gentleman figured out the issue ( incorrect parcel number ) Even knowing the issue and the solution they would do nothing until research request was completed. 
XX/XX/2023 we paid the taxes to prevent a lien from being filed XX/XX/2023 - provided SLS with proof we paid the taxes After 30 days research was finally finished and they determined parcel # issue XX/XX/2023 they sold the loan to XXXX XXXXk XX/XX/2023 they cut a check for the penalties but sent it to XXXX instead of me At this point I'm still out ~ {$7000.00} XX/XX/2023 we sent a letter requesting information who was at fault XX/XX/2023 finally received a letter from XXXX XXXXSLS confirming mistake but not willing to compensate me for the {$7000.00} that I have not had for over 75 days. 
Requested Escrow Analysis from XXXX in XXXX Received a refund check for " {$7000.00} on XX/XX/XXXX SLS has not updated the credit bureaus so our reports are showing that we have XXXX {$380000.00} loans outstanding. One at SLS and one at XXXX. 

I have hours of recorded phone conversations and emails documenting this entire mess.
Consumer complaint received 2023-06-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (TX)

I had this account closed on XX/XX/XXXX was told account would be closed on XX/XX/XXXX and had to wait 30 days for my checking for my closed accounts. On XX/XX/XXXX still havent received any money on my closed accounts. Then on many different dates XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX call dates and many emails back and forth about getting my money and getting a corrected 1099-INT which they sent to IRS saying that I got {$100.00} in Interest on a CLOSED ACCOUNT and never even received my money from this account. 

I have tried everything and I want my money and NO ONE seems to care or be willing to help so I want to know what to do if you cant and wont help me then guess I will see what legal action I have to take now against since no one cares since its not their money or concern. I saved all of the emails but not ONCE did anyone call or respond to any of my questions and concerns except for the standard automated replies. I do have some references/ticket numbers that I demanded to help track my calls and requests. 
I want MY MONEY AND CORRECTED 1099-INT FROM CHIME BANK ( THE XXXX XXXX XXXX XXXX Im not going to pay taxes on money that I still havent received and NEVER GOT THE INTEREST ON CLOSED ACCOUNT OR THE MONEY!!! Isnt this against the the law to not correct and withhold someones money. 

I need to know what my next step is and if I have to get a LAWYER I WILL AND I WILL MAKE SURE SOMEONE ELSE WILL END UP PAYING FOR THE LAWYER AND COURT COSTS TOO AND IF I NEED TO GET THE NEWS AND ANYONE ELSE THAT WILL LISTEN TO REPORT THIS. I wonder how many other people they are doing this to and if Im the only one that is definitely not fair either.
Consumer complaint received 2017-11-29
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (WA)

On XX/XX/XXXX I made a payment to XXXX XXXX. This mortage was then sold to Mr Cooper mortgage company on XX/XX/XXXX. Mr Cooper does not show that I made a payment on XX/XX/XXXX, the payment has not be reflected onto my mortgage balance. I have attached my bank statement showing the payment made as well as a statement from roundpoint mortgage showing that the payment was received. I have reached out to both XXXX XXXX and mr cooper several times over the last two months and have not gotten any response.
Consumer complaint received 2022-11-27
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: EQUIFAX, INC. (IN)

n accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 2023-06-02
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. (FL)

Complaint Regarding Unrecognized Hard Inquiries and Identity Theft To Whom It May Concern, I am filing this complaint with the Consumer Financial Protection Bureau to report a concerning issue on my credit report related to unrecognized hard inquiries. Additionally, I have reason to believe that these inquiries may be the result of identity theft. I have attached the supporting document outlining my identity theft claim for your reference. 

The unauthorized hard inquiries listed on my credit report, which I believe to be a consequence of identity theft, are as follows : 1.XXXX XXXX XX/XX/XXXX 2.XXXX XXXX XX/XX/XXXX 3.XXXX XXXX XXXX XXXX XX/XX/XXXX 4.XXXX XXXX XX/XX/XXXX 5.XXXX XXXX XXXX XX/XX/XXXX 6.XXXX XXXX XX/XX/XXXX 7.XXXX XXXX XXXX XX/XX/XXXX 8.XXXX XXXX XX/XX/XXXX 9.XXXX  XXXX XXXX XX/XX/XXXX 10.XXXX  XX/XX/XXXX I have taken immediate action by reporting the identity theft to the relevant authorities . However, it is alarming to find these unauthorized hard inquiries on my credit report, as they suggest potential fraudulent activity that may adversely affect my financial well-being. 

I kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into these unrecognized hard inquiries. I urge you to consider the impact of these inquiries on my creditworthiness and overall financial standing. I trust that the CFPB will exercise its authority to ensure that my consumer rights are protected under the Fair Credit Reporting Act ( FCRA ) and take appropriate measures to rectify this matter promptly. 

I kindly request that you provide a written response acknowledging receipt of this complaint and detailing the steps that will be taken to investigate and resolve the issue. I kindly ask to be kept informed of the progress and outcomes of the investigation within a reasonable timeframe. 

Thank you for your attention to this matter and for your assistance in resolving this issue. I trust that the Consumer Financial Protection Bureau will act diligently and with utmost care to address this complaint.
Consumer complaint received 2023-06-02
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: PNC Bank N.A. (MA)

Hi, PNC bank asked me to open their rewards Visa credit card. They told me if I open account and spend XXXX $ in the first three months ( which I did ) I will receive XXXX $ bonus. 
After I opened account with them and spend XXXX $ - the bonus they advertised was withhold, and after I called and reminded them - they decided to close the account instead of paying the opening account bonus under some " Unacceptable activity on other PNC account '' .When I asked what activity I did that considered unacceptable to PNC bank - they refused to answer. I am US citizen, have legal US job and never was or have performed any illegal activities. They have mistaken me for someone else most likely. 
Not only the didn't pay the bonus, they also stole XXXX $ in rewards on the account. Fortieth as it says. Any effort to dispute the decision with customer service resulted in the same answer - because PNC bank closed the account the XXXX $ is forfeited and would not be paid to me. Please help me to get my promised money back and stop them on this scam/fraud with advertising bonuses and not paying it to customers.