davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-06
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 (MI)

I signed up for an offer for an American Express XXXX Honors Ascend credit card on XX/XX/2018 because of an offer of XXXX XXXX Honors points after you spend {$2000.00} within the first three months of account opening. I contacted American Express today because I met the {$2000.00} spending in XX/XX/XXXX, I had approximately {$2500.00} of spending, but I have yet to receive my sign-up bonus points. The representative I was chatting with said it would take 6-8 weeks before I'd receive my points, but I stated I hit my spending requirements more than 10 weeks ago. His response was that my spending requirement was {$3000.00} not {$2000.00}, I quickly stated that the offer I signed up for was for {$2000.00} not {$3000.00} as he stated it said on my account. He stated I wasn't correct because in my account it showed {$3000.00} in which I asked for the terms from my date of signing up, and he said he could not provide those terms because they are " online. '' I also stated that the {$2000.00} is inline with the current offer of XXXX XXXX Honors points after spending {$2000.00} within three months offered today on their website. After further discussion he got his supervisor to take over the chat, he stated the same thing but offered to open a complaint with AE which I declined. Then after that the chat session was closed due to inactivity online because it had been over 10 minutes since I signed into my account. So, I called the 800 number for AE and spoke to XXXX ID # XXXX, he basically stated the same thing but understood my concern. He said there was nothing he could do for me though beside opening a complaint. He opened a complaint, # XXXX, of which he said they may contact  me within 7-10 days. The chat ID is XXXX. 

American Express does not send applicants copies of the terms and conditions of the offers so they don't have to follow through. Nothing in my account online shows the status of reaching my sign-up bonus, so they are purposely not disclosing this information to mislead customers.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account number XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-03-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by Equifax and the XXXX data breach and may have gotten into the wrong hands.
Consumer complaint received 2018-11-06
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 (CO)

I opened the Gold Delta American Express card with the intentions to get a {$200.00} credit on my purchase with Delta. 

I made my purchase with Delta and They will not issue the {$200.00} credit to my account.

This is clearly false advertisement from both Delta and American Express.
Consumer complaint received 2017-11-04
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. (MD)

It 's concerning inquires on my credit report for the past XXXX months, that I have not had involvement with. I have noticed that my report shows XXXX hard inquires to include my credit dropping really low in the past month. I have n't been asking for credit because I knew that I did n't have any, due to short sale of my home in XXXX. I have paid off all of my collections since then and they are still showing on my report as well.
Consumer complaint received 2022-07-11
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: Experian Information Solutions Inc. (NC)

I saw XXXX XXXX XXXX on my credit report as a recently opened account. I do not know the company and never applied for a credit card. I have reported in the past identity theft and believe this is linked to the problem. 

When I try to call the company I am routed to voice mail and told to either leave a message or request a call back. I have not received a call back from the company.
Consumer complaint received 2018-11-08
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BOK FINANCIAL CORP (OK)

Garnishment stopped on Case XXXX on my wifes account, XXXX XXXX XXXX took garnishment on my account, and i closed the account, now they are garnishing my wages over fees charged to an account i have not used in years, they disharged the garnishment on my wife, why are they taking money for a case that was discharged XXXX Why am I liable for a case that was discharged
Consumer complaint received 2018-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is in regards to 2 accounts that I have with XXXX XXXX. One  account is XXXX XXXX and the other is XXXX. In XXXX, I received several notifications from my credit monitoring service that my credit score had dropped and to verify the status of my XXXX XXXX and XXXX cards with XXXX XXXX. Not long after this I received another notification that my score had again dropped because my utilization on my XXXX XXXX   account was now over 90 % of the limit which was also inaccurate because the balance was only {$140.00} on a limit of {$250.00}. I immediately contacted XXXX in regards to both accounts. I was informed that neither account was closed they were only frozen for 90 days due to returned payments. I was also told that XXXX XXXX lowered my credit limit on my XXXX XXXX account from {$250.00} to {$150.00} due to a decline in my credit score. But the decline is due to the inaccurate reporting of closed accounts that are not actually closed. 
I am aware of the returned payments which were due to fraudulent activity on my bank account and my bank put a freeze on my account of all activity while they investigated. I have also emailed XXXX in regards to these impacting changes. I can prove what the scores where prior to and after the mentioned changes made by XXXX.
Consumer complaint received 2018-11-05
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. (DC)

This balance was disputed, as the amount is not correct. Since the balance is not correct, I refused to pay it and requested verification of how the debt was calculated in XX/XX/2015, but he creditor failed to provide me with verification of the debt, as required by Federal law. Because the debt was not validated, I again refused to pay, until it was validated. The creditor then began to report it to the credit bureaus, but I never received what they provided to the credit bureaus. I disputed it with one of the credit bureaus directly in 2015, but nothing changed, and I did not receive the information provided to the credit bureaus.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

XXXX {$450.00} XXXX {$120.00} XXXX XXXX  {$180.00} These accounts do not belong to me. I have attempted to resolve this issue of these accounts being falsely being reported on my credit report with XXXX, Experian, and XXXX, but the credit reporting agencies refuse to correct/update my report.
Consumer complaint received 2018-11-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

The ongoing problem that I have with Capital One is in regards to a fraud situation. While charges were authorized, the ability to use the card was predicated entirely on Capital One approving and applying deposits to the account. Without this approval, the card could not be used. Even though the account was restricted on more than one occasion, the deposits were approved. At more than one time, I was told that the only way the money would be credited was if Capital One spoke directly to the bank or the person who owned the account. Given the fact that the credits were applied and then consequently removed proves that they did not follow their own procedure. If they could not get this confirmation, then the credits should not have been applied. 

Capital One fails to explain or account for their failure to properly verify the deposits in a timely manner. Deposits that were approved in XXXX were returned as late as the middle of XXXX, well beyond any reasonable 3-5 day turnaround time. By the time that I was notified of any issue with the deposits, the account was already used based on the positive confirmation that credit was available. It was not until XXXX before I received any written documentation, and that was after I continually pressed Capital One for information. The fact that they take no responsibility for the credits being applied because they use a clearinghouse does not remove any accountability. The extreme delay in the approval of these funds and the removal of the funds makes the approval of the subsequent charges their fault. Their stance that it is not their problem is wrong.
Consumer complaint received 2017-11-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc. (IL)

XXXX/XXXX/XXXX I received a notice from Diversified Consultants inc stating I owed XXXX XXXX to which I'am a current customer XXXX {$900.00}. I forwarded a letter to Diversified disputing this charge and requested verification of debt. I never received verification of debt and Diversified reported collection to Equifax, TransUnion and Experian. I contacted Diversified in XXXX to verify they received my letter and they responded yes and added note to dispute that customer disputes charges but did n't remove collection account from record. I also disputed information with all of the collection agency as well. on XXXX/XXXX/XXXX I forwarded a second letter Diversified to provide documentation regarding the validity of the debt or to remove from my credit report. To date, still have n't received anything and collection account remains on my report.
Consumer complaint received 2018-11-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC. (AL)

On XX/XX/XXXX, we bought a home and was told in the closing that we were on a fixed escrow. At the closing if the mortgage, we were informed that our contract had to be honored, regardless who bought our mortgage. Include in our mortgage plan is as follows : Principle and Interest- {$470.00} Hazard Insurance Reserve- $ XXXX County Property Tax Reserve- {$32.00} Monthly PMI/MIP/USDA Reserve- {$61.00} Flood Insurance Reserve- {$74.00} Everything in the included escrow plan above equals {$730.00}. After 1 month of closing, Plaza Home Mortgage Incorporation bought my mortgage.After a year of service, the company didn't pay our insurance both, flood and homeowners insurance. After being informed that our policies had been canceled, I contacted the company but was unable to get the matter resolved. Plaza Home Mortgage Incorporation informed me that they didn't know who to send the money to. I reminded a Plaza Home employer of the contract and they informed me that they would send a payment to both companies. I followed up with insurance agencies to see if my premiums had been paid but I was informed by both companies that a payment was not sent to them. I contacted the company again and they informed me that the money was sent in later. Plaza Home Mortgage Incorporation has for-fitted the contract. Neither insurance agency company was paid. Although the money was taken monthly, my insurance policies were not paid by Plaza Home Mortgage Incorporation. Plaza Home forced placed insurance on us and our new mortgage payment XX/XX/XXXX will be {$1000.00} a month. As stated earlier, we were informed at closing that whoever bought our mortgage would have to honor the contract. We were fixed on a 30 year plan, paying the amount of {$730.00}, unless property taxes rise.
Consumer complaint received 2017-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Byrider Franchising, LLC (IL)

I am disputing this as a fraud. I never opened this account and when I received information about it being opened I contacted the company. This action happened in XXXX of 2016. They informed me that I would not be held liable for the account but I have been. This action has impacted my credit report because they have turned it over to a collection agency who has reported it as a debt.
Consumer complaint received 2017-11-04
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. (NC)

I 'm not too sure of the dates but I have been in contact with Experian going on months. For a collection that they are reporting I disputed with them over 5 times for a account with XXXX in XXXX North Carolina. And they, keep saying it was deleted over 3-times and I goes look on my report it is still there I never lived at the address they stated the account was originally attatched to. I have spoken to, over 10 different people regarding the same account it is not reporting on any other bureau then some one said it came back as verify I ask them how was it verify did they have proof they stated not at the moment they have no signature are anything and they have told me over and over that it was deleted and it has not because it keeps coming off and on again l
Consumer complaint received 2022-07-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (AZ)

We are responding to the concerns about the XXXX XXXX XXXXXXXX XXXX  ( XXXX ) you outlined in your correspondence to the Consumer Financial Protection Bureau regarding funds you received from XXXX member, XXXX XXXX, before she passed away and that you deposited to your Wells Fargo account. Our records show that checks in the amounts of {$50000.00} and {$20000.00} were made payable to you from a XXXX XXXX account belonging to XXXX XXXX. As you are not an accountholder, we can not release any information to you about the account. However, we can inform you that XXXX XXXX did pay the checks, and the funds are with Wells Fargo. XXXX XXXX did not reverse the two checks from your Wells Fargo account. There is no further information XXXX XXXX can provide you, and we suggest that you speak with Wells Fargo. Thank you for the opportunity to review this matter and respond.
Consumer complaint received 2017-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: COMMUNITY CHOICE FINANCIAL, INC. (IL)

I am disputing this as a fraud. I never opened this account and when I received information about it being opened I contacted the company. This action happened in XXXX of 2016. They informed me that I would not be held liable for the account but I have been. This action has impacted my credit report because they have turned it over to a collection agency who has reported it as a debt.
Consumer complaint received 2018-11-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Wilber and Associates, P.C. (CA)

My wife was in a car accident. She was injured and our car was totaled by a driver who was parked and crossed two lanes ( my wife was in the furthest lane from the other car ) to make an illegal u turn in the middle of the block on a four lane road. He drove into the side of our car. As it turns out,  the other driver was unlicensed and is being criminally prosecuted. The sheriffs office found the unlicensed driver to be 100 % at fault for the accident. 

The unlicensed driver had a second rate insurance company with low limits and despite the damage caused, would only be responsible for {$5000.00}. This second rate insurance company, XXXX XXXX XXXX ) also took the untenable and wrong headed position that my wife was 30 % at fault because she should have been able to predict that the unlicensed driver intended to make an illegal u turn ( despite the fact she had passed him already as he proceeded to come out of the parking spot, which is why he hit her in the sideshe did not hit his car ). However, because of the low limits on the policy their wrongful position was irrelevant as the maximum we could get was the {$5000.00}. However, in order to protect ourselves, we entered into a written agreement with XXXX XXXX that as a condition of accepting the {$5000.00}, they would not pursue us for any contribution to their insured or their loss. 

In blatant violation of this written agreement, and the facts giving rise to the accident, I ( who was not even the driver ) received a letter from Wilber and Associates stating that I needed to reimburse XXXX XXXX for the total of the amount they paid to their insured. When I called to explain their error, they unlawfully told me me they were going to have my drivers license suspended.
Consumer complaint received 2023-03-22
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. (MD)

XXXX " validated '' the debt I disputed XX/XX/2023 for XXXX XXXX. I have NO IDEA what this is, where it come from and it is now affecting my ability to apply for a mortgage! They validated the debt with out anything I required ( within 30 days, the original signature on the contract ). TransUnion and XXXX have not removed the debt either and it's been over 30 days so this should be removed on all bureaus.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Incorrect addresses I have disputed this address for last year and a half with credit bureaus alerting them that this is and was never my address. They keep coming back saying its verified and that can absolutely not be correct. They have no other reasoning. 
This address is inexplicable on my report and its clearly an indication of fraud.
Consumer complaint received 2018-11-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (PA)

Harris & Harris is repeatedly calling me for a false debt collection from XXXX XXXX XXXX. I told them that I have verified with XXXX XXXX that I do not owe any balance on my account ( see attachment ). However Harris & Harris continues to call me despite that I told them not to do so -- latest call was this morning. Also the prior time that I spoke with their representative, she told me the debt had been reported to the credit reporting companies!!! Please see my latest statement of account from XXXX XXXX for XX/XX/XXXX attached. On page 1 you see that there is $ XXXX pending with the insurance company. On page 2 you see that this claim was denied for a date of service nearly 2-years ago because the provider at XXXX XXXX XXXX failed to get the XXXX approved by the insurance company. I recall getting a letter from the insurance company years ago stating that I am not responsible for this bill. Furthermore, I have had problems with Harris & Harris a month or so ago attempting to collect debt that I already had paid. They are a business that has very unfair business practices and collection practices. And they really should be looked into and fined or closed down for repeated violations of the FDCPA. Many people who are ill, XXXX, or senior are being taken advantage of by them, I suspect, based on my experience and based on complaints I have read on the web. And I am quite sure at this point that I have overpaid on bills that were falsely collected by them for XXXX XXXX. FYI,  according to XXXX XXXX, as of XX/XX/XXXX, the XXXX XXXX XXXX reported XXXX closed Harris & Harris complaints over the previous three years, including 30 closed H & H complaints over the previous 12 months. The XXXX gave H & H A+ rating. Additionally, XXXX listed 16 complaints filed in federal court in the previous year alleging violations of the Fair Debt Collection Practices Act, one alleging violations of the Fair Credit Reporting Act, and two alleged violations of the Telephone Consumer Protection Act. Moreover, the Consumer Financial Protection Bureau ( CFPB ) listed 93 closed complaints in XX/XX/XXXX.