davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-09
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (NY)

In XX/XX/XXXX I applied the American Express Platinum card and was approved. After the card arrived, I realized that I had this product before, I would not be able to receive the XXXX MemberShip Rewards, so I cancelled this card without activating it. I did not spend any dollar amount towards this card. 
On XX/XX/XXXX, I received an email, stating that Amex removed my XXXX points due to the reason that I was not eligible to receive the welcome bonus of XXXX points. ( However, the fact is that I never received any points regarding the welcome bonus, and I am trying to use my points at that time. ) I called back and started an investigation, Amex told me I will receive a result by XX/XX/XXXX. I called back on XX/XX/XXXX, since they never called me for updates. Again, I was told to wait till XX/XX/XXXX for any results. I called them that morning, Rep. told me to call back after XXXX if I did not receive any results. I called back again after XXXX, and spoke to a supervisor, she said they removed my points was because I had this product before, so the welcome bonus is not eligible for me. Her assumption was that I already received the XXXX points, and she saw I had more than XXXX points under my account. BUT the truth is I never received any welcome bonus towards that product, in fact I never spend a penny on that account, just because I have XXXX points, it does n't mean it is the welcome bonus! The premise of the claw back is that I received the XXXX points. I told her I received XXXX points from XXXX product in XX/XX/XXXX, another XXXX from another product in XX/XX/XXXX. She said she ca n't pull the histories of those XXXX accounts, they will need 3 more days to investigate. 

I do not have another 3 more days, this has cause so much inconveniences for me to redeem my points, I, now have spend more time to wait, and more money to redeem my points!
Consumer complaint received 2018-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX has said TWICE now they have " run my credit '' for a credit card application. I have verified via my report they have not pulled my actual information. They have returned twice now I am not found, no credit history. Etc. They did not even respond to my first CFPB complaint and just found out yesterday they " closed my case '' without speaking to me. They clearly are performing serious fraudulent activities and will not even speak with me about what has happened. I was attacked on the phone and screamed at by a " XXXX '' whose only point was to tell me we had never spoken before. We didn't speak any further occasions either. Nor did any other members of this so called bank follow up. They just closed the issue with zero resolution.
Consumer complaint received 2022-02-19
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: KeyBridge Medical Revenue Management (OH)

On XX/XX/2021, KEYBRIDGE MEDICAL REVENU added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

According to the FCRA, Keybridge Medical Revenu has violated my rights as a consumer multiple times and I'm requesting legal action to remove this account immediately!
Consumer complaint received 2022-02-19
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. (TX)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (NY)

I received in XX/XX/XXXX a refund check from Comenity Bank for my ( now closed ) XXXX credit card account ( XXXX sent a notice over a year ago that they were no longer accepting purchases using their credit card ). The check was in the amount of {$340.00} and there was no explanation of what the refund was for. I cashed the check and then on XX/XX/XXXX, I get a bill saying that I owe this amount and the explanation was " XX/XX/XXXX Misposted Payment ''. I called the bank and was told to send a letter, which is attached hereto. That amount sounded familiar and I realized that it was the same dollar amount that was disputed in a claim filed with you against the bank by my mother, XXXX XXXX. That amount was paid 2 days earlier than due ( per her bank statement ), but yet the bank ( which had taken over the XXXX credit card accounts from XXXX XXXX XXXX in XX/XX/XXXX ) added interest and penalties to her next monthly bill. 

I do not have the bill ( s ) showing where my {$340.00} came from and requested same in my letter. I was told it would take up to 90 days to resolve this matter. In the meantime, they have on record that I am disputing it so that there will be no interest or penalties incurred.
Consumer complaint received 2022-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

I was trying to file a dispute online on experian.com and adding a consumer statement but each time it prompted me to call their customer service department. When I called in I wanted to speak with a representative but the person told me to go to experian.com/upload to upload docs to verify my identity ; before they could speak to me or address any issues. 
When I went online and upload the doc in the said format, It did not process the upload even on trying multiple times. There was a follow-up link that told me to fill a form and mail it. When I click the link it again said that my request/form could not be processed but gave me a mailing address. Now, I don't know if I send the docs to the mailing address without the form, whether they will process the info or not. If so, how long should it take them to verify id at their end. When Experian is collecting and reporting my data seamlessly, It has a responsibility to easily allow me to access the data, provide consumer statements and dispute accounts that are paid.
Consumer complaint received 2022-02-20
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. (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE.

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2018-03-01
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. (FL)

i send 5 letters to Equifax, disputing wrong information, those are : inquires being reported that were not done by me, wrong names, wrong address that i never lived on, they have refused to do anything about, they simply send a letter saying the are factual records, which they are not, 5 letters have send they refused they causing damaged to my credit, this company needs to be fined and shut down, I was the victim of Identity Fraud 2 years ago..since then i been trying to delete errors from my credit and Equifax is the worse, there is no proof on any of these inquires, since they were not done by me..still they refused to delete them..they don't verify as well don't care about the consumer and are causing damaged to people credit, hurting the availability of getting or credit or low rates. 

Wrong name XXXX, twice i never inquire or ask for a lease XXXX card i never apply for it
Consumer complaint received 2022-02-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Credit Corporation (MD)

On XX/XX/XXXX, I was in an auto accident that totaled my car and resulted in various injuries. On the evening of XX/XX/XXXX, I went to XXXX XXXX in Maryland ( Business Office # XXXX ) for medical service. Upon filing the accident claim witn my auto insurer, XXXX, the claim examiner asked would I like for XXXX to pay my medical bills or would I prefer that XXXX reimburse me ( XXXX claim examiner : XXXX XXXX can be reached at XXXX XXXX ). At the time, I asked that XXXX pay medical bills directly and I gave XXXX a XXXX waiver form related to medical services rendered in relation to the accident on XX/XX/XXXX. Since then I have received various bills in the mail and repeated phone calls from XXXX XXXX requesting that I settle the outstanding bill. XXXX repeatedly instructed me that they needed an itemized bill to pay the outstanding bill. On XX/XX/XXXX, I received an itemized bill from XXXX XXXX which I uploaded to XXXX 's claims website. 

XXXX informed me that they sent XXXX XXXX a check on XX/XX/XXXX, and that they have a record of XXXX XXXX depositing the check on XX/XX/XXXX. Between these XXXX dates, I spoke with XXXX XXXX twice, requesting if they had received the check, to which they told me they had not, but they entered a memo that the check was " in the mail. '' During the week of XX/XX/XXXX, I received a letter from NCC ( contact number XXXX ) a debt collection company. In response, I contacted XXXX XXXX on XX/XX/XXXX to confirm that they had received payment, and note that XXXX had erroneously contacted me for bill collection. At that time, the gentlemen at XXXX XXXX informed me that he had a record that the bill had been paid and that XXXX XXXX would clear up this matter with NCC. When I asked should I take any further action such as checking that Mercy had cleared up the matter, the gentleman agreed that I should reach out XXXX week later ( XXXX XXXX ). 

On the morning of XX/XX/XXXX, I received a call from NCC. I let it go to voicemail and called them back. After reading off various guarantor numbers and account numbers from XXXX XXXX, the bill collector told me that I'm probably looking at the wrong bill and that I could pay her now. At that point, I officially informed her that I wished to dispute this debt and what are the next steps. She then simply began a process of haggling with me, telling me that they were willing to mark the debt down if I paid then and there on the phone. At this point, I told her that this is ridiculous and that I don't understand why I'm being requested to pay a bill that has already been paid. I hung up the phone and I am now filing this complaint.
Consumer complaint received 2022-02-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF THE WEST (CA)

Every time I try to transfer money to my other bank account which is linked to my Bank Of The West account I receive a error that I can't identified. This has been happening since I filled the first claim against them. Today I tried sending my daughter {$50.00} because she is out of state and is in need of the money today. I have been on hold for 3 hours waiting to have this issue resolved.
Consumer complaint received 2022-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (GA)

I was in XXXX  training from XX/XX/XXXX to XX/XX/XXXX and I had no phone and was cut off from society and had no way of knowing or staying on top of these remarks or payments and am protected under SCRA law.
Consumer complaint received 2020-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (FL)

I logged on to my Citi mobile app on XX/XX/XXXX and noticed all three credit cards I have were closed by the bank with no reason or notice given. I called customer service and no one even a supervisor was able to help me with this concern.
Consumer complaint received 2016-05-27
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (AZ)

In XXXX, after holding an American Express personal green card for 11 years, American Express solicited me to open a Gold Card account. I was a XXXX at the time, and as most XXXX, ours was run completely departmentalized. All my department 's finances were my personal responsibility. The credit backing for my gold card is mine, not my former XXXX. Indeed, I have n't even been at that firm since XXXX XXXX. Yet I only just now found out that American Express chooses, when there is a company co-listed on the account, to only provide reporting on the company 's credit, not the individual 's. I am and was XXXX. I need that credit history. Nobody explained to me at the time that by opting for the Gold Card they solicited me for, that it would mean I would give up the right to have my positive credit management reported positively on my credit reports. On XXXX for example, age of credit is the SECOND SINGLE LARGEST FACTOR in the score, and here, because Amex chooses not to report the positive credit history on my personal report, despite the full 19 years of the account being 100 % handled by me, personally. It is my credit that got the account, it is my credit that handles the account, and it is my credit management that just got the revolving limit increased by Amex of their own, unsolicited volition, to {$50000.00}. My personal credit score would be about XXXX points higher if they would just start reporting my 19 year positive history. There is no earthly reason for them not to report the positive on my personal bureaus other than their own stubborn choice. There is no law or prohibition, and indeed, would n't it be good public policy for a XXXX person to have both their XXXX and themselves personally get the credit benefit? Indeed, Amex would sue me if I failed to pay, yet they do n't give me the positive reporting for timely paying over 19 years. This is an outrage and a travesty. American Express 's only solution here is to cancel the existing Gold Card account, and have me apply for new credit. Which would FURTHER destroy my credit, because it would comprise both a hard credit inquiry, which would bring my score down, and it would comprise a brand new, one month old, not nineteen year old, line of credit, so it would make the average age of my credit even more artificially young than it already is with them giving no reporting at all on my private report. This has got to be fixed.
Consumer complaint received 2022-02-19
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. (NJ)

I received a copy of my credit report and found some serious violations of the FCRA. It is illegal for the original creditor which is XXXX XXXX XXXX XXXX to Re-age a negative account that has been closed for years!!! This Account has been re-aged from the original first last date of delinquency and closed date!!! This account was closed and reopened without any consent or notified to me. This a serious matter and violation of the Fair Credit Reporting Act. I'm not playing with this erroneous errors on my credit report and will not allow you to violate my rights as a consumer. I am also filing a complaint with the Federal Trade Commission. XXXX Account XXXX : XXXX Please delete and remove from my credit report immediately. 

In addition. Every bureau is reporting a different date of last activity for this account. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. Every bureau is reporting a different date of last activity for this account. 
XXXX Account Number : XXXX Please remove it from my credit report. 
4. Every bureau is reporting a different date of last activity for this account. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-02-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE (NY)

First I tried to go online to activate the debit card I received in the mail that did not work. 

I went to the ATM to activate the card and the pin I have used for years suddenly does not work. 

I tried then to go to the store to activate the card and make a purchase with and without the pin and it did not work. I have been humiliated in front of the whole Perspective XXXX Temple Community as my perspective temple is across the street from the store and the bank that all this happened in.

My credit score has gone down XXXX points since these issues with this card started happening.
Consumer complaint received 2016-12-14
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (OH)

My husband and I took out a second mortgage in XXXX it was a 15 year fixed loan at 12.625 % since then we had some draw backs and inXXXX/XXXX save the dream helped bring this loan current however the mortgage company indicates a different amount paid by save the dream our experience report show different reporting the mortgage company says we missed like 27 payment. When we tried to see if the would settle for a lesser amount they said the loan has matured and can. It work with us it is so confusing please help me understand, XXXX XXXX XXXX
Consumer complaint received 2022-10-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (OH)

Hello, I contacted my loan servicer Ed Financial on Monday XX/XX/XXXX to get a refund on my {$9200.00} loan that I paid off during the payment freeze on XX/XX/2021. I was told my refund was submitted and it would take up to 150 days to process. I was also told that I will need to apply for forgiveness once I received my refund and they reinstate my loan. After the call, I did not even receive a confirmation email for my refund request from my loan servicer to ensure that a request has been submitted. I had not received any updates since I called the first time, so I called again on XX/XX/XXXX and there was no update about anything. It should not take up to 150 days to process my refund when other loan services are refunding within 30 days. There is no reasonable timeline for when I will be getting my money back and there are no updates about anything.
Consumer complaint received 2022-02-19
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: Experian Information Solutions Inc. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2022-10-02
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-02-19
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. (AR)

I am not requesting verification of debt. I am clearly requesting validation of the debt. This is my third year attempting to have these accounts reasonably investigated in accordance with both the XXXX and also the XXXX 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX These accounts are not showing the company but were matched to another dispute and were reinserted back on my credit report without me being notified about the reinsertion. 
XXXX XXXX, XXXX, XXXX
Consumer complaint received 2022-02-19
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. (TX)

I request copy of Complaint # XXXX. XXXX XXXX XXXX XXXX ( XXXX ) and Experian did not have permission to access and supply my credit report on XXXX. I have asked for a copy of permission so I may defend myself because I did not give any permission. Experian passes the buck to XXXX  who has sent a copy of an incomplete and undated application that even states it was processed. I continue to complain but XXXX  list complaints as duplicate since they claim to already have processed and answered on Complaint # XXXX. Two problems ; I do not have XXXX  response on Complaint # XXXX and I have yet to receive copy of valid permissible permission allowing XXXX  to process permissible permission and access my credit report.