davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-23
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: AMERICAN EXPRESS COMPANY (PA)

I was buying airline tickets on XXXX XXXX webiste on XX/XX/XXXX. When i was ready to pay an offer came through on the web page that if i apply for the american express delta skymiles credit card i would get {$400.00} off as statement credit after spending {$2000.00} dollars in the next 6 months. I went ahead and applied for the card. I got approved instantly. I used that card to make several purchases upwards of {$8000.00} over next few months and i met all the requiremnts for getting the bonus of {$400.00}. 

I did not see the statement credit after 3 months of meeting all requirements. So i called Amex and they said that the bonus offer was denied even through credit card was approved by the acquisitions team without giving me a reason. Hence i will not get the bonus. I was not sent any communciation regarding this. 

I see this an an unfair marketing practice where amex lures in the customer, makes them use their card and does not even tell them if they were denied the offer they actually signed up for. The card should not have been approved if they were not willing to honor the bonus. There should have been a formal letter sent to me that this was denied. If amex has an issue with my credit history they should not ahve approved me for the card. 

Amex is engaging is cheating and unfair practices and luring in poor consumers like me. I started googling the same to understand if others have been cheated and it seems this is a common practice for amex. Of course, they ask us to look in the fine print. 

I have an excellent credit score and the only card i closed with amex was in XXXX because it was a student card that had hardly any benefits.
Consumer complaint received 2019-12-30
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: DISCOVER BANK (ME)

Written correspondence received on XX/XX/19 and they followed up with a phone call to me personally and also contacted a family member and disclosed confidential and personal information regarding the debt owed. Spouse passed away on XX/XX/19 and held a Discover card. When I contacted Discover about the death I was told by them that I am not personally liable for this debt and if there was an estate the estate would be liable. I told Discover there was no estate. Discover has given this account to a company called XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX. XXXX # XXXX. They called a family member and disclosed confidential and personal information about the debt. This company said they found the information about the family member from the internet. How did they know who they were talking to -to disclose this information. This company could of verified that there was no probate proceeding by contacting the XXXX XXXX in the county where the decedent lived. They were asking even what the decedent had for vehicles. If they were told there was no estate that should take care of the account. It was embarrassing to have the family member contact me and disclose what personal and confidential information they related to the family member. If there was no estate why harass the family trying to collect this debt from persons not financially liable.
Consumer complaint received 2019-12-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (SC)

Navient was never my loan servicer. Somehow Navient acquired my student loans without my knowledge along with valuable personal information. Navient was negligent in notification of the purchase or my loans and didn't notify me of the terms. Before I knew it my loans were in default with Navient when I placed them in deferment or forbearance with the customer service representative for Navient. Apparently the representative did not do their job and I wasn't notified. I want the defaults and history removed from my account.
Consumer complaint received 2023-01-15
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. (IL)

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX, XXXX, IL XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2024-06-06
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (NC)

I think it was Procollect on behalf of a rental company. I had received no notification for the two years after living at a location about the debt, so I had no idea that there was a debt owed. The company waited 2+ years before suddenly contacting me via phone, refusing to disclose the nature of the call. I believe they waited to notify so that the charges would double and they would receive a larger cut. I was able to rent different locations after the one in question. I had no issues. Then suddenly, they reported me for a housing debt and said they would not allow me to question the debt or have an itemized list for it within a reasonable timeframe. They were rude and abusive and when I began to panic over homelessness they only doubled down on me not having any other choice. I am down {$1400.00} when the alleged debt prior was only around {$700.00}. Had I known of this debt years ago I wouldve just paid it. I am so unbelievably frustrated. 

These conversations occurred during XXXXXXXX XXXX XXXX. Prior to these interactions, I received absolutely no communication from the debt collectors or the leasing agency.
Consumer complaint received 2024-06-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC. (WI)

On XXXX I received a fraud alert notification from my XXXX XXXX and my XXXX accounts. I immediately went into my XXXX account and was directed to a debt that had been referred to a collection agency and posted to my credit report. My credit score is historically in the XXXX range. It is now XXXX. 

A collection company, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX ), today posted a collection on my credit report through XXXX. The collection is in an amount of {$3000.00}. My Experian app shows the tradeline as opened XX/XX/year>, with no payments made, and sent to collection XXXX. The creditor is shown as CashNet. I've never transacted with CashNet but researched their website. Apparently, they'll give you a loan without pulling credit, which explains how someone could have used my identity to get a loan without a credit pull. My credit is locked with all 3 bureaus and has been for over 3 years. I assume this means someone has other PII, and presumably my SSN. 

I not only want to dispute this but I also want to know how I can prevent it in the future. If someone can obtain credit in my name without a credit pull that makes it much easier to defraud someone and XXXX XXXX and the bureau locks would seem to be powerless against that. 

Thank you in advance for your help
Consumer complaint received 2019-12-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2019, I transferred {$100.00} using Chase quick pay to buy some baseball tickets from a stranger I met online. Did not receive baseball tickets, contacted Chase within minutes of the payment but they refused to cancel/refund the transaction and told me to contact XXXX. Chase said they don't know who I sent the moeny to as they are not Chase customer, which make sno sense because the service was called " chase quickpay '' and is supposed ot be used for sending money between Chase customers. I have been unable to get a rep from XXXX on the phone. Heard about this consumer protection website today so thought I would open a complaint.
Consumer complaint received 2019-12-30
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Webcollex, LLC (CA)

I have lost my wallet several times through out the years and XXXX day I got checks in the mail from XXXX XXXX on an account that I never opened. At the time I was not monitoring my accounts or my credit report. From this experience I singed up for a credit monitoring service and that is when I noticed this charge off from XXXX CKS Financial that I never knew about. Along with this charge there were many other inquiries from various lenders and accounts that were open in my name that I never opened. There were bank accounts and even bills paid on in my name that I never paid and services that was being used that I never used. This has ranged from loans, to cell phones and internet services that were being used in my name and the bills were being paid. On one occasion I got a text message from XXXX saying that my XXXX  account may have fraudulent activity on it and I called XXXX to notify them that I do not have an XXXX  account and they could not figure out how this happened. To this day there is a bill from XXXX XXXX that is being paid in my name, using my information and XXXX can not find out who the user is and why the statement is being sent to me saying that the bill is paid. There are so many things that I don't understand about this process. CKS Financial owns and account that I never opened and that is fraudulent and bills were being paid in my name and money was being transferred that I never knew about. I filed a police report that is attached and I would like to be cleared from this debt and the delinquent account to be taken off my credit report. Thank you.
Consumer complaint received 2019-12-30
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Estate Information Services, LLC (ME)

Written correspondence received on XX/XX/19 and they followed up with a phone call to me personally and also contacted a family member and disclosed confidential and personal information regarding the debt owed. Spouse passed away on XX/XX/19 and held a XXXX card. When I contacted XXXX about the death I was told by them that I am not personally liable for this debt and if there was an estate the estate would be liable. I told XXXX there was no estate. XXXX has given this account to a company called Estate Information Services, XXXX XXXX XXXX, XXXX, OH XXXX. XXXX # XXXX. They called a family member and disclosed confidential and personal information about the debt. This company said they found the information about the family member from the internet. How did they know who they were talking to -to disclose this information. This company could of verified that there was no probate proceeding by contacting the XXXX XXXX in the county where the decedent lived. They were asking even what the decedent had for vehicles. If they were told there was no estate that should take care of the account. It was embarrassing to have the family member contact me and disclose what personal and confidential information they related to the family member. If there was no estate why harass the family trying to collect this debt from persons not financially liable.
Consumer complaint received 2021-04-20
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The account i have been disputing with TransUnion is the account XXXX - XXXX XXXX XXXX XXXX XXXX Mortgage. The information is wrong because in the report the say last payment received was XX/XX/XXXX and in the history they said that no payment was made First dispute XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX. XX/XX/XXXX Still this situation hasnt been resolved when is a clear mistake in my report just by looking at it. All other companies had eliminated this from my report except TransUnion
Consumer complaint received 2019-12-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

My mortgage was due on XX/XX/XXXX but money I transferred to the account that this payment is pulled from was not received until XX/XX/XXXX. I called and was told to make the payment online which I dd, yet I have received several notices in the mail indicating that I still owe XXXXXXXX XXXX payment. 
I called and asked why the web site indicates that I have paid the money but the money is still in my checking account and under the " Next Payment Due '' section it still shows XX/XX/XXXX. Received a new statement in the mail two days ago showing the next payment is due on XX/XX/XXXX and the correct mortgage amount BUT noticed that they added the same fee which I already paid to the total amount due. 
Tried calling customer service, spoke to another supervisor who was no help today. Spoke to a manager and customer service rep on XX/XX/XXXX. No one is listening or helping. Could it be a glitch on the app or website? No one will acknowledge this possibility yet they want to take more fees from me. No way to send a message to Mortgage Support even though you can type in a box like this ... do they really want to hear from customers?
Consumer complaint received 2019-12-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (VA)

We closed on the house that we sold on XX/XX/2019. Title company recorded new owners of property with XXXX XXXX County Courthouse after wiring full payoff amount to PHH with Wire Confirmation on XX/XX/2019. Subsequently, we received in the mail a letter dated XX/XX/2019 from the law firm, XXXX XXXX XXXX that our loan ( that had been paid in full ) was being placed with this firm for foreclosure. The amount demanded was for Principal & Interest, Escrows and Other fees, Attorney Fees and Cost which was {$370.00} more than the amount that had been paid to PHH on XX/XX/2019. The reason for this difference was Attorney Fees & Costs which were being charged after the closing. I contacted the law firm to inform them that we no longer owned the home as of XX/XX/2019. We were told by XXXX XXXX XXXX XXXX XXXX to email them the FINAL ALTA and Wire Confirmation for their records. We emailed these to them on XX/XX/2019. We also called the Attorney at XXXX XXXX ( The Closing Company ) to inform them of the letter and the call that we had received from PHH. We were told by XXXX XXXX  Closing Attorney that he would handle this. On the afternoon of XX/XX/2019 we received a phone call from PHH informing us that we were being foreclosed on unless we made a payment. I told them that the property was sold on XX/XX/2019 and that we no longer owned the property, and they had received the payoff, in full, on XX/XX/XXXX. They said they would research it and call us back. We didn't hear back from them, so called them with the attorney from the title company on the other line on XX/XX/XXXX. After being passed through a few people and put on hold a number of times, PHH acknowledged receipt of the payoff amount they had sent that the title company had sent in the amount of {$290000.00} XXXX the exact amount they had sent, in writing, was the pay off through XX/XX/2019 ). They said they could see it in their system, and they could also see that it had been received by them on XX/XX/2019, as the wire confirmation stated. However, they said they had to escalate it, because they claimed we might owe additional money, and they would get back to us. We have not heard back from them. We have called repeatedly only to be told that it was escalated and they would call us, that the file is still active. In the meantime, they are reporting me late to the credit bureau for XXXX, XXXX and XXXX.
Consumer complaint received 2019-12-30
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. (FL)

Due to an information breach with Credit Bureau, my credit file was locked. In attempting to unlock my file, I was told that my answers to security questions were incorrect. However, I am a victim of identity theft since 2010. A police report was filed and an affidavit affirming that my social security number was used in an attempt to file for a tax refund and obtain a home loan. There is also a flexible spending account listed in my credit file that I have no knowledge of. 

How do I get my credit file information corrected and unlocked?
Consumer complaint received 2019-12-30
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Performant Financial Corporation (GA)

The Premiere Credit company contact me about a month ago out of the blue for a debt that was 20 years old. They bought the debt from XXXX XXXX, which was a student loan debt. My first issue with this is that, the debt is 20 years old.The second issue is that they are charging me a total principle of {$580.00} for a $ 20 year old bill. I do not have a problem of paying the initial bill, but what I do have is a problem with them trying to charge me a principle for it. For years I have had poor credit and no one has come at me for any bills owed. Now that I have gotten my credit rate up high and paying my bills like I suppose to -- it seems like everyone is coming out of the shadows to try to collect money from me with threats of put it on my credit report to mess up all the hard work I have do to get my credit to where I want it to be and to stay. I am tired of debt collectors passing my information around and using scare tactics to collect money from me because of my credit and payment history being excellent. I feel that is unfair to me because I am trying to be an responsible person with my credit and payments, now it seems like it is a constant fight to maintain it because of creditors constantly come after me. I have already paid off many debts from collection agency coming after me but when does it stop? I don't mind paying what I owe, if I owe, but using scare tactics such as this Premiere did is unacceptable and adding on a principle to a 20 year old bill that I was never contacted about previously is also unacceptable. Why aren't there any laws to protect consumers, but so many laws to allow collection agency right to collect debt even after 20 years, this is unfair to the consumers because it  appears that no one wants to see a XXXX man with good credit. When does the vicious cycle end? The debt amount is {$880.00}, and they are adding on a principle of {$580.00}.
Consumer complaint received 2019-12-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2019-12-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (TN)

I have tried on several occasions to contact Navient about problems that I either have with how they have handled my payments, fixing issues with my back account information, them taking multiple payments from my account, or taking extremely long times, such as 14 days to process payment from debit card payments from payments made over the phone, only to get dropped from queue or to get the run around. I have been kept on hold for 45 minutes, only to not have any of my issues resolved with them. They do not make the repayment process easy at all. Not to mention, I have been paying on a XXXX dollar loan for 10 years, only to have the balance just now be at XXXX dollars! It only takes 5 years to pay off a car! Navient are loan sharks and crooks!!
Consumer complaint received 2019-12-30
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)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX   breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2019-12-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC (VA)

On XX/XX/XXXX I was sent a payoff quote until XX/XX/XXXX of {$140000.00} by Ditech Ditech was paid XX/XX/XXXX Mortgage in the amount of XXXX on XX/XX/XXXX. 
On XX/XX/XXXX, I closed on the sale of my home. 
At the closing on XX/XX/XXXX, I was required to pay Per diem of 3- 10 days@XXXX/ per day. 
On XX/XX/XXXX Ditech was notified via fax regarding refund of overpayment and requested when would refund would be received On XX/XX/XXXX my principal balance per Ditech intranet website reflected {$140000.00} On XX/XX/XXXX, Ditech responded they still note my account to be active and I required to pay my mortgage amount of {$750.00} on XX/XX/XXXX payment The attached correspondence was sent, and I have yet to hear back from Ditech XX/XX/XXXX, the new servicer XXXX XXXX contacted me that would now be servicing my loan with a new mortgage company and that my payment was required to be sent to them. I notified them that my home was sold on XX/XX/XXXX and that the required per diem and XX/XX/XXXX mortgage was paid to Ditech. 
To date XX/XX/XXXX I have not received notification from Ditech regarding my refund of overpayment, Ditech has not notified the new mortgage company of the loan being paid. 

In close, the new scam with bankers is selling mortgages to other companies. I have made it a practice to do ALL correspondence with Ditech in writing and record all calls to them, based on their mishandling of my funds over the years and no help from the CFPB. So now you are involved know the story what are you going to do? Nothing as usual or actually advocate for the consumer which is what I thought your company was created for Ill wait to see! 
XXXX XXXX