davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-17
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 (UT)

I have a Delta Platinum credit card through American Express that awards me with a companion certificate every year in return for a higher annual fee. 
I have tried twice now to use the awarded companion certificate, but due to the excessive red tape around this product I have been unable to use the certificate. It is now set to expire in two weeks and I do not have any travel plans within that time. 
The first time I tried to use the certificate was the end of XX/XX/2019. I had a business trip to XXXX, TX and decided to bring my wife along and spend the weekend exploring. I had a flight credit to pay for my ticket from a previously cancelled flight ( also paid for with the Delta Amex card ), but I was told I could not use the companion certificate for my wife 's ticket because I was using the Delta credit for most of my ticket. I was told I have to purchase the full ticket with my Amex card in order to use the companion certificate. I did purchase the original flight using my Amex card, but unfortunately it was cancelled and I was left with the Delta flight credit vs a credit back to my Amex card. 
The second time I tried to use the companion certificate was on XX/XX/XXXX for a quick weekend trip with my wife to XXXX California. This was a last minute decision and we were wanting to leave that same weekend. I was told I could not use the companion certificate because the flights I was trying to book were too soon. Apparently there is a rule within the excessive red tape that Amex sets up that says companion certificates must be booked two weeks prior to the flight. I can understand why this rule would be in place, however, seats were still available on the flight when I was trying to book even though it was just days before the flight. Why shouldn't I be allowed to use the certificate that has been awarded when there are still seats available? 
My general complaint is that the marketing done by Amex and Delta around the companion certificate award is clearly unfair and deceptive. I pay a higher annual fee every year for this card because of the companion certificate benefit. Amex then creates so many restrictions and red tape around this certificate that it makes it almost impossible to use. I would not be surprised if there are many other customers in my same situation that have paid a higher annual fee and have had annual certificates go to waste because they were not used within the unrealistic rules set by Amex.

Additionally, I filed this same complaint over the phone with Amex and was told that th
is will be escalated as need and I will likely receive a response in 6 to 8 weeks. Let me repeat that, 6 to 8 weeks!!! How is that adequate customer service???
Consumer complaint received 2019-06-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (CA)

Convergent Outsourcing, Inc. has reported collection activity to the credit rating agencies and damaged my credit score. The debt that Convergent Outsourcing is trying to collect is not my debt. It relates to a XXXX bill owed by somebody who either has my same first and last name or who has impersonated me. In any event, I have never lived at the address where the XXXX XXXX in question was obtained in XXXX. That address is in XXXX XXXX, Georgia. I have never lived in XXXX XXXX, Georgia. Moreover, I have lived in XXXX XXXX, California, for the past 5 years. 

I have repeatedly written to Convergent Outsourcing and demanded that they fix this issue by removing the derogatory information from my credit reports. On both XX/XX/XXXX, and XX/XX/XXXX, I wrote Convergent Outsourcing detailed letters and provided supporting documentation. Convergent Outsourcing has not responded to my XX/XX/XXXX letter and continues to report the derogatory information to the credit rating agencies ( the most recent reporting date was XX/XX/XXXX ). This is outrageous.
Consumer complaint received 2023-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-06-17
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMCOL Systems, Inc. (AZ)

I received a debt collection notice from AMCOL in XXXX of 2019. I sent a letter to AMCOL requesting them to validate that I have a valid debt with AMCOL. AMCOL sent me a detailed listing of my healthcare procedures that had taken place with XXXX  XXXX XXXX dated XX/XX/2019. I never signed any medical release granting AMCOL access to my healthcare information.
Consumer complaint received 2019-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (WA)

I did NOT opt in to overdraft protection yet US Bank claims I did. They made payments and charged me {$36.00} every time. That is not the really bad part. They then went on to take the money back from the merchants and charge ANOTHER {$36.00} fee each time. Thats an overdraft fee for paying a merchant, and then another equal fee for taking the money back from said merchant!! Its up to thousands of dollars in overdraft fees now! How can they pay something and charge a fee for it, only to reimburse themselves with my money, and then charge me ANOTHER fee for reimbursing themselves??? Customer service was rude and unhelpful.
Consumer complaint received 2019-06-17
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. (AZ)

Have written to XXXX, Equifax and XXXX  3 times in regards to XXXX   XXXX XXXX ( as well as several other issues on my credit report ). XXXX   took over 2 months to reply. Have not received much communication from Equifax nor XXXX. IN regards to XXXX XXXX, above, this item was PAID, CLOSED and responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit reporting companies, above. ACCOUNT CLOSED IN 2009 AND PAID. I would request this be DELETED from my credit report as it is INACCURATE
Consumer complaint received 2019-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: U.S. BANCORP (FL)

On XX/XX/XXXX U.S. Bank took an automatic draft from our checking account ( no longer with U.S. Bank ). We did not receive any text or email alerts stating they were taking this amount. On our bank statement it shows an automatic payment of {$580.00} was withdrawn. It stated it was for a credit card ending with XXXX, In checking we found that we don't have a credit card with U.S. Bank that has that ending number of XXXX nor have we ever signed an automatic withdrawal authorization. withdrawal on XX/XX/XXXX and stated it was a credit card ending in XXXX. It was withdrawn from our new account XXXX XXXX ( Florida ). When we moved from XXXX  to XXXX  and closed our U.S. Bank account we experienced numerous overdraft fees etc. This new error of {$580.00} has put us in great financial stress.
Consumer complaint received 2019-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Transunion and XXXX  reporting that I owe XXXX for a car I paid nearly 3 years for. They offered to trade this car for a new one. I did not and told them to pick this one up because I was not going to pay a high car note. The car had low mileage, only XXXX miles.
Consumer complaint received 2023-03-31
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. (NC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation.
Consumer complaint received 2019-06-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY (VA)

Despite asking on a recorded line and then having them write they would stop, American Express has continued to call my work jeopardizing my job. I have filed this before and they sent a letter in my last complaint stating that this would stop however it has gotten worse and they are now even calling when the payment is not even due yet. They continue to call us on a recorded line so each of these outreaches are recorded and records have been kept of the outreaches. I have also used this site before and they responded stating it would not happen again. It is blatant harassment at this point.
Consumer complaint received 2022-10-26
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. (IL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-09-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (FL)

I have a mortgage loan with LoanCare A Service Link Company on XX/XX/2020, I was granted a forbearance on my loan until XX/XX/2020, due the COVID-19 effects on my employment. The forbearance was approved and I received an approval letter. 
On XX/XX/2020, I started receiving automated calls from LoanCare, asking me to contact their toll free number reference my mortgage loan. I called the number to only have an automated system, that cuts me off and does not allow me to speak with a live person. On the one occasion I was able to reach someone he said my account was with collection department and he would transferred me to that department upon the transfer, I was again put back in the loop of the automatic system. I have emailed them, sent a letter and sent a message through my loan account, however no response just a automated telephone call every day. I do not want this company to start a process of foreclosure, because they are not communicating with each other. I am filing this complaint, because maybe someone can look into my account.
Consumer complaint received 2022-10-26
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. (IL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-09-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC (MS)

You are claiming I have an account with you or I owe you something. I have never entered into any business arrangement and I have never signed any contract to conduct any kind of business with you. Also, because you are a 3rd party collector, you have no permission to furnish any information on my credit report in the first place. The law states that before you collect any information about me, you have to get my authorization to access my credit report for any reason. You didnt do that first, and theres no way I would ever give a slimy collection company permission to slander me on my credit reports.
Consumer complaint received 2019-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

We put a security freeze on all three credit bureaus XX/XX/XXXX. Today, XX/XX/XXXX, I tried to unfreeze our credit with Experian so that we could co-sign for our son to get an apartment. I had all the original information with the PIN that I originally created. After clicking on " Remove or lift a security freeze '' and entering my PIN, it said that the information was wrong and I could go no further. I tried both my husband 's and my PIN. It is just about impossible to talk to a real person. After calling every Experian number I could find, I finally spoke with XXXX in Client Support Dept and she put me on hold for five minutes. I spoke with XXXX and she said I had to get another number by clicking on " Retrieve my PIN ''. She said she would mail me a PIN that I could give to the apartment management company but it was much faster to do it online. I told her I would try again online and she said she was mailing the PIN to me. I tried the " Retrieve my PIN '', and entered my information and that wouldn't go through either. My son is probably going to miss out on this apartment and may lose his application fee because we have to wait on Experian to mail us a PIN. I'm not confident that the new PIN that we are to give to the apartment manager will work either. Experian advertises that it is so easy to unfreeze your credit when needed as long as you have your PIN. This is not true because I saved my PIN and all the original information from when I first froze our credit.
Consumer complaint received 2019-05-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CO)

My loan was sold by XXXX XXXX to Freedom Mortgage on or about XXXX XX/XX/2019. During that time I made my payment to XXXX XXXX and Freedom Mortgage helped me with setting up my new payments to them. Little did I know that my mortgage would be charged twice that month. Tomorrow will be my 6th phone call to both servicers. 

XXXX sent my first XX/XX/XXXXPayment to Freedom. Freedom sent it back to XXXX. XXXX doesn't know anything about the {$3000.00} mortgage payment that was refunded. The money has not come back to me. 

I have called Freedom Mortgage repeatedly to find this money and each time I have received no valuable response. It was recommended I request escalation to a supervisor. I did this. Nothing happened. I was promised a call back the next day. Two weeks later, no call has materialized. I told them I needed my second payment back to buy food for my household. Nobody cares. They said they second mortgage payment would be back in a week. That was one month ago. 

The png and pdf files I have attached have been provided to both Freedom and XXXX.
Consumer complaint received 2023-03-31
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. (NY)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this!!
Consumer complaint received 2016-10-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Capital Markets Cooporative, LLC (MA)

Attached is a copy of the payment webpage of my mortgage that is serviced by CMC Funding. The mortgage payment is due on the first of each month and I have a grace period of 16 days to make my payment without incurring any additional charges for making payment anytime during the grace period. The servicer, however, is charging a fee for making payment during the grace period. According to the schedule of fees on the attachment, the servicer charges {$5.00} if payment is made 5-9 days after the due date, {$10.00} if payment is made 10-15 days after the due date, and {$10.00} if payment is made 16 days or more after the due date. These charges starting 5 days after the due date essentially add up to a fee for making payment during the grace period. Is this a legal practice and in compliance with CFPB rules associated with loan servicing? I did not choose this servicer. My loan was sold to CMC Funding. It appears that this practice of charging mortgagors for making payments anytime within the first 16 days would violate the grace period stipulated in the loan documents. Please advise.
Consumer complaint received 2017-05-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

Navien  t 1 ) The principal amount is wrong.
2 ) The interest calculated is wrong.
3 ) The company refuses to provide a detailed explanation of the amount.
4 ) The company charged interest and penalties while I was enrolled in school full time.
5 ) The company reported the student to the credit bureaus as a personal loan.
6 ) The company refuses to provide an address to a written dispute.
Consumer complaint received 2023-07-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo Mortgage is continuing to harm consumers who have their mortgage loans with them. I asked for assistance for one month with my current loan modification payment and Wells Fargo offered me no help only options that would harm me and benefit Wells Fargo. Examples are higher interest rate modificiation which would create a further hardship and put my home at risk of foreclosure and offering me a repayment program for only 3 months which would make the payment unaffordable. Wells Fargo in the past had a deferment program to help mortgage holders skip a month, adding it to the end of the loan as a courtesy to help with temporary hardship. Wells Fargo no longer offers this program. Instead they are only interested in greed. As a consumer I am very upset your agency is allowing Wells Fargo to continue their bad business practices and harming consumers instead of enforcing rule against this bank. Apparently a XXXX XXXX fine is not enough to prevent Wells Fargo from continuing to harm consumers. Please investigate.
Consumer complaint received 2019-06-17
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: EQUIFAX, INC. (NV)

I was in a auto accident in XXXX of XXXX I was rushed to the XXXX XXXX center anyhow the car was deemed a total loss. My insurance company took time paying off the balance of the loan plus I had GAP and, Did make payments. I filed a complaint on XX/XX/XXXX with CFPB XXXX XXXX sent a letter and, attached that same letter to complaint XXXX stating they were going to report to all major credit bureaus with 0 30 0 60 0 90 paid and, closed, and they did due that for one month only and, as, soon as the CFPB complaint was closed bam they reported same negative that they removed to my credit report
Consumer complaint received 2019-06-17
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. (NV)

I was in a auto accident in XXXX of XXXX I was rushed to the ICU trauma center anyhow the car was deemed a total loss. My insurance company took time paying off the balance of the loan plus I had GAP and, Did make payments. I filed a complaint on XX/XX/XXXX with CFPB XXXX XXXX sent a letter and, attached that same letter to complaint XXXX stating they were going to report to all major credit bureaus with 0 30 0 60 0 90 paid and, closed, and they did due that for one month only and, as, soon as the CFPB complaint was closed bam they reported same negative that they removed to my credit report