davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

We got a letter in the mail from PennyMac ( XXXX XXXX XXXX XXXX XXXX, CA ), our new mortgage company that our information will be shared with other companies, including their affiliates and non-affiliate, unless we write a letter in opting out, or calling a XXXX number to opt out. 

The requirement of having a consumer take an extra step in order to opt out of sharing information is unreasonable. Majority of consumers do not have the time to read every letter that comes in the mail, not to mention the time to write in a letter, put in a mail, or make a phone call ( typically waiting for 20 minutes to just get through with some automated system ). The default should be that no information should be shared unless the consumer writes a letter in providing the consent. 

Please investigate this and protect our privacy information, not just about PennyMac but any loan company.
Consumer complaint received 2018-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (LA)

I reached out to AMEX this week to discuss my sign on bonus. The agent told me I had ~ {$900.00} left to spend to achieve the bonus. I then asked when do I need to do this by. It took the agent several minutes to get back to me and told me the time had expired. I told the agent I wanted the timeline increased to achieve this as it was deceptive that it was never included in any of my statements since getting the card. The agent stated they couldn't do that. I then asked for no annual fee for two years to cover the costs of the card. They couldn't do that either. I went the same round with the agents supervisor. 
I feel that AMEX is not acting in a forthcoming way and they are being deceitful with their practices of not disclosing a timeline on statements when a consumer must spend a certain amount of $ to achieve a sign on bonus. I have spend another {$15000.00} on that card since the date that the agent took a while to find. I have been a good customer for many years and then they choose not to give me the bonus or help with the annual fee.
Consumer complaint received 2021-04-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: AMERICAN EXPRESS COMPANY (NY)

I have made multiple attempts to stop marketing from American Express. After receiving multiple credit card offer and then being denied. I asked American Express to stop all the marketing efforts to me at all my addresses. I also submitted an XXXX  Opt-Out and I submitted a Do Not Market request with the XXXX. I have also submitted complaints to Consumer Financial Protection Board about the issue.

I have spent thousands of dollars of my own money to repair my credit. I was asked by my legal team to sign up for opt out and XXXX. I have been successful in reducing my total number of inquiries. Although, when companies like American Express ignore my request, it negatively impacts me. It threatens my investment in improving my credit score, it threatens my ability to obtain employment, it also threatens my credit score. I am very unhappy that i continue to be marketed to for no valid reason. 

I was already signed up and had marketing material sent to my home by American Express. I have asked that the marketing stop. I have asked that the solicitations stop. I want to improve my credit so i can make important purchases in the future and to improve my ability to retire comfortably. I believe the American Express is not being an ethical company. I also believe that i have been treated unfairly by American Express.
Consumer complaint received 2024-03-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRSTBANK (CO)

Hi, my debit card was stolen at a gas station. I didn't realize it until the next day, XX/XX/XXXX. I called the bank immediately to put a fraud alert on my account and to close my card. This was with XXXX, XXXX of Colorado. I filed a dispute on the XXXX! They didn't even think to ask me what happened. They said they saw a picture of me on social media. There was no tag or location on this picture. I had a picture with a friend who took me out, but that was not at the location the bank said I was at. They lied and stole my money and will not refund my funds that were stolen from me. I called the dispute fraud department and they said it's closed, they will not open it again, and just took my money with no proof! I was not there, and this is wrong!
Consumer complaint received 2022-03-01
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. (FL)

In accordance with the fair credit reporting act XXXX XXXX Acct # XXXX 15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 

( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2021-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

XXXX Called customer service regarding {$59.00} annual fee. Requested that the fee be credited back to my account. 
The woman I spoke to claimed to be a manager and told me that she was unable to help but if I wanted to close my account, she would be happy to close it for me. She said that is something she would be happy to do - PULL THE AUDIO!!! i XXXX am Eastern time zone on XXXX. 
I have been a GREAT customer for years! Probably alot longer than this rude woman has been employed there. There is no way to submit a complaint thru Capital One so I decided to contact cfpb. Capital One should know that this manager is rude and driving their customers away and challenging customers to cancel their Capital One credit cards.
Consumer complaint received 2021-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Ex wife missed a payment I was the closest signer on the loan I was never contacted by the XXXX XXXX XXXX about the missed payment. I viewed my credit report and noticed the late payment I called and had to make a payment out of my pocket on a vehicle that I was not using. I asked them to remove it in good faith from all 3 credit bureas in good faith and they didnt even have any empathy.
Consumer complaint received 2021-11-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Southwest Mediation Service (FL)

I got a call from this number XXXX at XXXX on Tuesday XX/XX/2021 from an XXXX XXXX XXXX to be a lawyer from Soutwest Mediation Services XXXX She asked to speak to me using my maiden name, and said I owe over {$2000.00} for a magazine subscription from years ago. ( I have never signed up for a magazine subscription! ) She said the company are threatening to sue me and damage my credit, but that she managed to get the fees down to {$310.00}. She asked to email me the payment document but did not have my email on file, and asked to clarify my current address. I asked why she didn't have my email on file if people had been trying to collect money from me and she couldn't give me an answer. I have seen many reports online of the same story from the same company, hopefully you can shut this down!
Consumer complaint received 2017-09-24
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. (FL)

Good morning, this is my third time trying to solve this issue with Equifax and XXXX they have to be the two worst company on this planet, they are irresponsible, arrogant, do n't care about customers, they take their time to respond to customers. 
They are reporting inquiries on my credit report which I never applied for any product, I have a vehicle so I do n't need a car loan and I will like to know why I have more than 20 inquiries less than a month that is unfair and I need justice. please help me to sue these companies. please help they are ruining my credit.
Consumer complaint received 2018-12-13
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Midwestern Health Management INC (KS)

On XX/XX/XXXX, XXXX XXXX called and threatened garnishment on my wages if they did not get a full payment of {$900.00} today on a medical bill that was not paid in full back in XX/XX/XXXX or XX/XX/XXXX. I haven't changed my number in 10 years and she initially joking laughed that she had to call my job because was not able to contact my personal phone. I advised her that I needed to look into what she was talking about and she said since you won't take care of it today, I'll go ahead with garnishment, and hung the phone up.
Consumer complaint received 2018-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MO)

I've been reaching out ALL YEAR to have this information corrected. I had my identity stolen back in XX/XX/XXXX and over the years several things have popped up on my credit report that do not belong to me or inaccurate information about me. 

I have never lived at XXXX XXXX XXXX XXXX MO nor XXXX XXXX XXXX XXXX MO My date of birth is XX/XX/XXXX
Consumer complaint received 2018-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MO)

I've been reaching out ALL YEAR to have this information corrected. I had my identity stolen back in XX/XX/XXXX and over the years several things have popped up on my credit report that do not belong to me or inaccurate information about me. 

I have never lived at XXXX XXXX XXXX XXXX MO nor XXXX XXXX XXXX XXXX MO My date of birth is XX/XX/XXXX
Consumer complaint received 2019-11-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


XXXX XXXX XXXX XXXX XXXX : XXXX INQUIRIES : XXXX XXXX XXXX : XX/XX/XXXX XXXX/XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX
Consumer complaint received 2018-05-06
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NY)

XXXX XXXX engaged in unethical behavior by canceling my lowes card for false reasons. 
On XX/XX/2018 I received an alert on my credit report that's account of mine was closed. Having not initiated this closure immediately counted lowes credit service. They told me it because a had delquent accounts. Well I called them out on that because I knew I did not have any. Well I was put in touch with a XXXX in the excutive offices he was no help and did not even try to help he was oh well. I was then contacted by a XXXX in the excutive offices she sounded like at first she wanted to help. She told me she would send it up to her risk management team and they would pull my credit again and make a decision, just Incase there was an honest mistake. Being humans a mistake was possible so I'm like ya go a head she the told me it could be 7-10 days before they know the out come. So when she finally found an answer she was like sorry we can not pull credit again your just out of luck. So I then was put in touch with XXXX boss who told me if I get I copy of credit report and it showed no delinquencies she could get it reopened for I did that and there are NO delinquencies on it. Anther hoop synchrony wanted me to jump through that I did and it was not go enough. She finally said she could not help me and would have the VP of synchrony help me. Well the VP called and offered no help at all. Then I was put in touch with XXXX and he tried to tell me that XXXX XXXX reported my credit card late so immediately called them and guess what they no. Even provided me a letter to prove that the info synchrony got from XXXX was in correct. Still did not help. I honestly believe that some where along the line an honest mistake was made and they have gone above and beyond to cover it up. Have also been waiting for someone to call for over 3 wks to settle the account they closed for fraudulent reasons. Also I have attached the letter stating the account was closed for delinquent accounts and my credit report showing XXXX delinquencies. Also attached is the letter from XXXX XXXX stating that did not report any delinquencies in XX/XX/XXXX.
Consumer complaint received 2019-06-04
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. (PA)

I written all three credit reporting agencies to complain about inquiries that have been placed on my credit file without my knowledge or consent, Either written, implied, or authorized I have requested all the accounts be verified by the agencies under the ( FCRA ) guidelines I ask them to show proof of and and all signed contracts, with my wet ink signature ... .. 
My second letter was to inform the agencies that they didnt do their due diligence in trying to properly verify the validity of these fraudulent inquiries if they were assisted by a computer programming system instead of actually, Physically seeking the truth in this matter I was never shown any original documents barring my wet ink signature Or any signed documents of proof.
Consumer complaint received 2021-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CO)

PayPal has told me that I have a revolving line of credit with them and have been taking {$200.00} from my checking account each month. PayPal has blocked my access to their account portal preventing me from early payoff, terms and conditions, APR, etc. They have refused to tell me what charges have been made and have made it nearly impossible to access anyone there via phone or support. I cant change the amount I pay them each month, see any statements, or access anything from them.
Consumer complaint received 2018-05-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: All State Credit Bureau, Inc. (MI)

All State Credit Bureau , Inc. was paid {$1500.00} on # XXXX and was settled. They reflected a XXXX balance on the receipt as well as reporting to the three major credit reporting agencies however they are acting as a lender and not a debt collector refusing to close out the account.
Consumer complaint received 2021-11-09
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. (CA)

I continue to attempt to resolve this newly inserted comment with Experian and they continue to beat around the bush and do not provide a clear and precise explanation as requested. They continue to report " Too Many Consumer Finance Company Accounts '' on my credit file yet fail to tell me what they are. I have not had any new accounts opened nor have I owned any accounts such as payday loans or lines of credit extended to me as distressed consumer. Despite me using less than 1 % of my available credit and paying off my auto loan my score dropped significantly. This again is a newly inserted comment on my credit file, this comment use to never be there. This is creating an adverse action on my credit file and is lowering my score. This is a defamation of my character as it implies I am borrowing at subpar terms and may be considered high risk. Additionally my mortgage payments have not been updated in my file.
Consumer complaint received 2022-06-16
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: Experian Information Solutions Inc. (TX)

I am a victim of identity theft. I have disputed these credit card accounts XXXX XXXX XXXX XXXX for {$2900.00}, XXXX XXXX XXXX XXXX for {$5600.00}, XXXX  XXXX XXXX for {$1500.00}, and XXXX XXXX for {$310.00}. I filed an identity theft report. These accounts still have not been removed from my report. I have never had an account with these companies and would like for this to be removed from my credit report.
Consumer complaint received 2021-08-23
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: National Credit Adjusters, LLC (CA)

The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.
Consumer complaint received 2022-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This account doesn't belong to me and I would like this company to update this information on my credit file in reporting accurate information to the credit bureau the amount is for {$10000.00} from XXXX XXXX XXXX which it says charged off but is reporting on my credit file and is inaccurate.
Consumer complaint received 2022-11-02
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. (PA)

This account doesn't belong to me and I would like this company to update this information on my credit file in reporting accurate information to the credit bureau the amount is for {$10000.00} from XXXX XXXX XXXX which it says charged off but is reporting on my credit file and is inaccurate.
Consumer complaint received 2021-11-09
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: TD BANK US HOLDING COMPANY (RI)

To whom it XXXX concern, XXXX My name is XXXX XXXX the above is my account number for XXXX furniture through Td Bank I have paid this account every month since Ive had it my about 5 months. My original credit limit was {$8000.00}, I used XXXX. The month of XXXX I made a payment in the beginning of the month I usually make XXXX payments a month. I had a problem with my bank when the extra second payment was taken out, It did not go through, however I had already made a payment at the beginning of the month. Your company took away my {$8000.00} credit limit, changed it to {$600.00} total limit and my balance is {$720.00}. Im extremely upset about this because it dropped my credit by XXXX points in less than 10 days hurting my credit reporting. I am now over my limit and my ratio is 100 % plus. I did not miss a payment the second payment didnt go through. I was told by XXXX XXXX XXXX that I would have to have my credit XXXX again. I am in the middle of refining my house and I do not want my credit pulled nor do I want this to affect my credit and it will, simply because you now lowered my credit utilization ratio. All of this happened within a nine days. I am requesting that you change my credit limit back to the {$8000.00}. I have paid every single month even this month it was the second payment. Please respond to me either via email or XXXX. 
This matter is extremely urgent because I am in the middle of a refi please call me as soon as possible. 

Sincerely, XXXX XXXX Sent from my XXXX
Consumer complaint received 2020-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

I previously reported that BofA had made a double withdrawal from my bank account to pay my monthly balance ( complaint # XXXX ) and then took weeks to return it the second one. In the response to that complaint, they did not address the issue of what caused it. I have called the individual at BofA who signed the response letter, XXXX XXXX, at the number and extension she provided during the hours she stated she was available 4 times in the last 2 weeks and left voicemails, but have not yet received a call back. The same double withdrawal has continued to happen for the last 3 months. The bank refuses to address the issue ( XXXX ), and is holding money that was not authorized to be taken out.
Consumer complaint received 2018-05-06
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. (NY)

I sent Transunion a removal letter to remove XXXX XXXX from my credit report dated XX/XX/XXXX After receiving letter from XXXX that they are closing the account & removing item from Credit Bureaus. 
The item is still being reported even after proof was sent to Transunion.