davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-11
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 (MD)

I recently created my own XXXX XXXX. I was looking into various Business Credit cards. Since I have been a member of American Express since 1999, I wanted to make sure I viewed what they had to offer. I researched extensively online, and I noticed that the business American Express XXXX XXXX card offered 1 year of XXXX and XXXX in form of account credits. 

You may view the details of the offer at this link : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This was perfect for me since I may need to hire a few people this year. I finally called the number and let them know I wanted to open an AMEX XXXX XXXX XXXX Card. They took my application over the phone. Once approved I would call and ask them if they had a tracking number for my card, and since I was already on the phone I asked them to confirm the benefits of my card to make sure XXXX was included. 
This was confirmed. When I received the card I wanted to confirm that I had that offer. Because this feature was the only reason I went with this card. I was told that this offer was online applications only. 

I called executive customer service and filed a complaint. I received a call from XXXX XXXX from their department and she said that since in the phone call that I applied for the call I did not mention anything about XXXX XXXX that they would not be honoring an offer. I thought that in that call I did mention it, but at that point I had done so much research online that I was completely sure it was included in the offer. I explained to XXXX that I even called after I was approved for the card to confirm the XXXX offer and a rep on the phone said it was included. She said that it did not matter and it would not affect her decision. 

This makes me very upset because I currently hold a personal AMEX cards where I pay over {$800.00} a year in membership fees. This business gold card would make my yearly total over $ 1,100+ a year in membership annual fees. And their website/marketing shows that these offers are part of the offering. The website even has a button that says, call in to apply. It doesn't say anywhere that this is an online only offer.
Consumer complaint received 2018-04-09
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: DISCOVER BANK (NY)

I found wrong negative information from Discover on my credit report as I have been late on a payment for more than 60 days, when I contacted them I found out this card does not belong to me, it belong to My husband which he never received a statement from them and he paid them when they contacted him and when he learned about what mess they caused me he paid off the balance and closed the account. 
when I contacted them asking them to remove the wrong information from under my name as I do not own this card and these charges do not belong to me they refused stating I am an authorized user on the account I explained I am an authorized user on the account to manage the account and I am not responsible financially on charges do not belong to me, they confirmed i am not responsible financially but under the law they have to report this information under my name I asked them which law they are talking about giving them the right to report wrong information about me while i do not own the card and I did not ever use it they refused to share that law with me. 
I believe this is an abuse of power i Believe they should not report me late on a card not mine for charges does not belong to me
Consumer complaint received 2017-09-28
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: Screening Reports Inc. (MI)

Unauthorized Credit Inquiry : XX/XX/XXXX : XXXX XXXX, DE XXXX ( XXXX ) XXXX XX/XX/XXXX : XXXX XXXX, PA XXXX ( XXXX ) XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX
Consumer complaint received 2020-08-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

After bankruptcy XXXX XXXX XXXX sold the servicing of my heloc to specialized loan services. This company refuses to send me statements even after I have asked multiple times. Also, I am up to date on my payments and they just stopped applying the payments to my account. They sent me a letter to the mail that I was behind. When I called after a 45 minute wait they said.. woops we have not been applying your payments to the account. The goal of sending this mortgage to specialized loan services was to make it very difficult for me to get information so that they can take this home that I have allot of equity in
Consumer complaint received 2023-08-16
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: EQUIFAX, INC. (TX)

I have carefully reviewed my credit report in Equifax I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX XXXX
Consumer complaint received 2023-08-16
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: EQUIFAX, INC. (FL)

I sent a letter to the XXXX XXXX XXXX on XX/XX/2023, requesting to remove : 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 XXXX XXXX XXXX XXXX XXXX XXXX that are UNKNOWN to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit Bureaus XXXXre required to remove and block any accounts or information not later than 4 business days after the XX/XX/2023. Ive already included this in my previous Complaints & I am including it again.
Consumer complaint received 2020-02-15
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. (NC)

On XX/XX/XXXX I took out a credit builder loan account with XXXX. I made good on time payments each month and paid it off in full early on XX/XX/XXXX. XXXX  and XXXX had reported the loan as closed and paid in full. Experian had failed to update my report to reflect that as well. 

On XX/XX/XXXX I took out a new credit builder loan with XXXX. XXXX had updated my credit report showing the new loan. The problem is, they had used the old paid off account and updated it with the new information from this new account. Essentially taking away my good account from my report and inputting a high balance like there was no payments made. 

XXXX should had left the old account shown as closed and paid in full. XXXX should had reported a brand new account with the new information. These are two different loans with two different account numbers.
Consumer complaint received 2018-04-08
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. (CO)

I have disputed an account with all 3 credit bureaus asking for removal from my credit report. I have requested proof on original ownership of debt. I have yet to receive proof and the card remains on my credit profile. They simply reply with we have verified debit but actual proof has not been provided to me. I have contacted XXXX directly and submitted 3 disputes to each credit bureau on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I just want this invalid debt to be removed from my report.
Consumer complaint received 2018-09-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Altisource Portfolio Solutions, S.à r.l. (AR)

COLLECTOR KEPT CALLING MY CELL NO. ( XXXX ) XXXX OR ( XXXX ) XXXX OR ( XXXX ) XXXX OR ( XXXX ) XXXX AND CALLING TO COLLECT XXXX XXXX XXXX DEBT.
Consumer complaint received 2019-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I pay for Experian Service and they updated their website. I am unable to dispute online. Furthermore, under their new system they are not correcting disputed items although I sent them documentation from the furnisher indicating that t should address the issue with the CRA since they do not go back and correct " OLD : reported data on CLOSED accounts. That the CRA is responsible for fixing this. This is what XXXX told me on account that I disputed. Furthermore, XXXX XXXX XXXX XXXX said they removed the late payments when I was paying to a security account during HAMP for 6 mos back in XXXX or XXXX and Experian has failed to correct this information. Not only that, they are supposed to purge inquiries within 2 years and they are retaining all inquiries and not purcging this in a timely manner. They do not update ALL information as submitted by furnisher and I have to constantly filing disputes so they have blocked my ability to do so online intentionally which is my right under CRA. I have a document that shows some of the XXXX inquiries that are still reflecting and there are some dupes.
Consumer complaint received 2023-02-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PENTAGON FEDERAL CREDIT UNION (VA)

I received several emails from PenFed exhorting me to join their credit union ( I was a member when I was stationed in XXXX, XXXX and XXXX, XXXX ). 

They sent me a request for color copies of ( quote ) : 1. Social Security Card, current tax year W-2, or signed current year tax return showing SSN.

2. Current, non-expired U.S. Government-issued ID, such as driver 's license or passport.

3. Driver 's license, utility bill dated within the past 30 days, or current vehicle registration.

I uploaded color copies of my Social Security Card, XXXX XXXX XXXX retired ID card, and my Virginia driver 's license. 

They rejected me out of hand for not having a government-issued ID card. The United States XXXX XXXX has been a US government entity since XXXX XXXX  XXXX, and I served in that department for 20 years. 

Either they mistated their needs or chose to ignore
Consumer complaint received 2021-02-18
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: AMERICAN HONDA FINANCE CORP (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and American Honda Finance, XXXX XXXX XXXX, and XXXX XXXX. The Account Opened is American Honda Finance Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8600.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2019-04-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

I am a victim of identity theft. I have tried on several occasions to dispute multiple charges on my Bank Account between XX/XX/2018 with Santander of charges that were not mine. I lost my Wallet and Personal Documents. My Information was used in a Fraudulent scheme. I Have Several transactions that I did not authorize on my bank statement and it has caused a hardship. Santander had denied my claims. I am providing the following documents as proof of claim. 

Affidavit of Forgery Signature Specimen Page Police Report
Consumer complaint received 2019-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Santander Consumer USA Holdings Inc. (MA)

I sent payments via Bill Pay from XXXX XXXX XXXX to Santander Consumer USA. This was the wrong address. Because I chose the address as the payments should have been sent to Santander Bank. Because the error was mine XXXX denied reimbursement for the funds. Though XXXX and myself as well as my sister ( the intended recipient ) contacted Santander Consumer USA and Santander Bank the payments have never been returned to me. I have made numerous phone calls, including conference calls with XXXX and my sister, gone in person to Santander Bank and XXXX has contacted Santander to no avail. Santander Consumer USA confirms receipt of the payments but had no matching account number to apply them to because they were not loan payments. The payments were intended to go to my sister 's checking account with Santander bank. Rather than return the payments to me or forward them to Santander Bank, Santander Consumer USA in Texas kept them. We had spoken with XXXX and XXXX at XXXX among others. Please help me. I just want my {$250.00} back.
Consumer complaint received 2019-04-11
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)

XXXX XXXX  after receiving my written statement and police report that insured mailed and signed by one of their employees, refuses to remove the debt from my credit reports. I am seeking legal action with an attorney in their state. 
This debt does not belong to me. My written statement on all my credit reports, since XX/XX/XXXX states that I am a victim of identity theft.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Account name PORTFOLIO RECOVERY ASSOCIATES, Account number XXXX Date opened XX/XX/XXXX Status Collection account. {$2.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$2900.00} Balance updated XX/XX/XXXX On record until XX/XX/XXXX This account is full of inaccuracies that violate my rights under the FCRA. This account is reporting to allow the negative reporting to stay on my report for longer than 7 years. They need to correctly update this account or remove it. Considering I am a XXXX Veteran with no taxable income they might as well remove it and move on before I sue.
Consumer complaint received 2022-06-11
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: EQUIFAX, INC. (WI)

In accordance with the Fair Credit Reporting act XXXX, the following accounts have violated my rights. 
XXXX XXXX XXXX XXXX : account # XXXX and account # XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXXccount # XXXXXXXX XXXX XXXX XXXXcount # XXXXXXXX XXXX XXXX  account # XXXXXXXX XXXX  account # XXXXXXXX XXXX XXXX  account # XXXX 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 2019-04-11
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: Experian Information Solutions Inc. (AL)

I noticed a few issues with the bankruptcy on my credit report. I contacted the bankruptcy court that was listed on my credit reports by mail. 
The bankruptcy court ( letter attached ) responded they did not furnish the data or verify bankruptcy with the credit bureaus. 

I asked the Experian, XXXX  and XXXX to please provide the documentation and a description of the procedure used to determine the accuracy and completeness of the information. This must include the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such a furnisher. 

Please note, a third party furnisher of information, such as XXXX, XXXX XXXX or an alleged creditor does not meet the standards set by the Fair Credit Reporting Act, Section 611, paragraph ( 6 ) ( B ) ( iii ). Only the Bankruptcy Court should be the furnisher of information, not a third party source. According to the bankruptcy court ( letter attached ) they do not verify bankruptcies with the credit bureaus. I demand direct, not third party proof according to the Fair Credit Reporting Act, Section 611, paragraph ( 6 ) ( B ) ( iii ) The credit bureaus all responded that the debt was verified, although the bankruptcy  court replied they did not verify anything.
Consumer complaint received 2023-01-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MT)

I am a student loan borrower that has successfully completed 120 payments and qualifies for XXXX XXXX XXXX loan forgiveness under the terms of my current student loan. Under the previous loan servicer I was able to update my employment history at anytime to certify my employment that ultimately approved my qualifying payments. My last qualifying payment for this loan was in XXXX of 2022. I finalized and submitted my last piece of documentation to XXXX XXXX ( old loan servicer ) in XXXX, 2022. I then received information that my loan was being transferred to MOHELA. MOHELA did not have record of my final documentation to forgive my loan. I created and sent an additional final document to MOHELA in XX/XX/2022. I am still waiting to have this processed or any useful information sent to me. There is virtually no way to contact MOHELA as wait times on the phone have been 2-3 hours on hold and I have had to hang up. They also say that my form needed 90 days to be processed. 90 days is 3 months of paying for a loan that I should have forgiven. I see that there are many claims of other customers that are in my same position. We all want our loans reviewed and forgiven or at least acknowledged as customers, instead of waiting 90 days for a form response. I know there is a government freeze on federal loans but I want this taken off my credit report so I can financially do other things with my life. I have dedicated my entire career to public service for this opportunity and it has now been 7 months of no information or ability to properly contact the company.
Consumer complaint received 2022-09-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: HYUNDAI CAPITAL AMERICA (NC)

I have exercised my right to rescind and revoked all Powers Of Attorney that was given to dealer. Also have notified Kia Finance and have yet to receive any response. 

NOTICE OF DISPUTE is in the Attached Documents along with Proof of claim.
Consumer complaint received 2019-04-11
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: Agency of Credit Control (CO)

" Agency of Credit Control '' just inserted erroneous information on my credit report just over {$60.00} in collections. I have absolutely no knowledge of this account. What's more, the collection is allegedly from XXXX XXXX XXXX (? ), even though I use XXXX XXXX XXXX for my eyecare needs. Finally, they seem to believe this account 's " original '' amount is $ XXXX-something, so somehow they are also trying to collect some form of interest on an account that should not exist in my name.
Consumer complaint received 2018-01-06
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (CA)

In XXXX I registered and enrolled in a XXXX XXXX XXXX program at XXXX XXXX. I was not a high school graduate nor did i have a G.E.D. I was very excited because at the time that was not a requirement or barrier in enrolling for the program. All they required is that I take some sort of test to prove that I was at required reading and writing levels to attend. I passed the test with no problem. I was so excited being a young single mom with an opportunity to start a career path. My student loans were approved. I started school but unfortunately had to drop out after a few months because I could n't find child care for my daughter. And could n't afford to pay any fines or payments back on my loans because I was not working and on public assistance receiving Cash Aid and receiving food stamps to take care of my daughter. A couple years had gone by and it was time to enroll my daughter in pre-school. I thought this would be the perfect opportunity to go back to school and finish what i started a couple of years ago. So I contacted the school and had to jump through hoops to get back in but I did everything that was asked of me. Paid a {$400.00} dollar fine and got 4 letters of recommendation from people I knew. And I wrote an Letter and Essay on why I thought i deserved another chance. Once again I was given a huge hug by the Dean and she told me how proud she was of me and I started Class a week later. One evening when i had gotten home i recieved a call from the school reminding me that i needed to bring in a copy of my diploma or GED to keep on file for their records. I explained to her that must be some sort of confusion. The next day in class the Dean pulled me out of class and told me that their policy had changed and they overlooked it in my file. And that I had two months to take my G.E.D and show proof in order to continue taking the class and stay enrolled. I became so discouraged that After a week I never went back to class. And here it is 8 years later and the government is garnishing my tax refund.