davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-26
Product: Credit 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 (NY)

I have received numerous offers to apply for the XXXX XXXX over 5 years+. I was most recently solicited ~ XX/XX/XXXX via mail with a XXXX bonus offer, then a email solicitation in XX/XX/XXXX with a bonus offer of XXXX. My credit scores over the past 10 yrs trend in the XXXX. I applied for the card in XXXX and was approved. Amex won't honor the bonus offer. I believe they have a " gaming '' model that they have added me to. They said because I accepted external balance transfers that I'm ineligible. What does balance transfer activity have to do with a pay in full product like the XXXX XXXX? It's not a revolve product. I'm a transactor. In general I don't revolve month to month. Occasionally large ticket items cause me to revolve short-term, where the balance is paid in full before APRs increase. The XXXX charge card is the perfect product for me. Amex can easily see my spend is 90 % with them. If I have been ineligible for years now, why send a marketing offer with a bonus? Why send an offer for XXXX and then increase it to XXXX? If their intent was to not give me an offer, they I should have received marketing material without the offer. What they are doing is bait and switch. It's deceptive. Having a disclosure to say I don't qualify for bonus offer after the fact is not good enough. They knew all along they weren't going to give me the bonus offer yet their communications prominently lead with that communication.
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 — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (PA)

I had a vehicle loan through Ally financial and the car was totaled in a flood. Ally was paid by my insurance and gave me another loan for another vehicle. Rather than rolling my old balance into the new loan, it is on XXXX as a negative to me? How can I be negative on a vehicle I no longer have an Ally was paid? Also if I was such a bad customer and owed them money why did they finance my current car? This is an unfair marking on my credit report! Ally then was paid with Gap insurance and I went over and beyond getting all corrected for them so they would be paid yet AGAIN! This is robbery and credit reports seem to work with these companies that prey on the less fortunate. This amount has been removed from my other credit reports, yet XXXX continues to have a WORKING CLASS XXXX woman struggle due to not taking the time to investigate EVERYTHING. I am asking that this debt be REMOVED from my credit report after a COMPLETE and full investigation of total dollars paid to Ally on a FLOOD totaled car.
Consumer complaint received 2023-04-03
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. (TX)

I've tried to fix an error that is reporting to my XXXX and Transunion report, but this request has fallen on deaf ears. On XX/XX/XXXX, I sent dispute letters to the above credit reporting agencies informing them that the account XXXX XXXX XXXX is being reported incorrectly. They both are reporting inconsistent information when all data furnished should be the same. How does this meet FCRA requirements? Also, I had an agreement with this company to have my payments deferred in XXXX due to covid so there were no late payments being reported. I have tried to remedy this issue for almost 4 months so I am demanding that this account is updated to paid as agreed, no late payments within 15 days. I will attach the letters that were sent which are dated and time stamped. I will also attach the credit report showing the inconsistent information.
Consumer complaint received 2019-02-02
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

I attended XXXX XXXX XXXX in XXXX and the school closed in XXXX, applied for a student loan forgiveness and I was told I cant get it
Consumer complaint received 2022-09-02
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: SYNCHRONY FINANCIAL (GA)

There are soft and hard inquires pull from accounts I never open. The only account that was open in my name was XXXX XXXX  which was XXXX XXXX. The dates of the the open accounts that not me was XXXX XXXX, XXXX, XX/XX/XXXX, XXXX  XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The people who is performing fraud on my account has made my credit score low and I want to take action now. I want to report all these companies as fraud because it is not me. Below I attach the names of the company with dates and descriptions.
Consumer complaint received 2019-02-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

PMI Cancellation : I paid the balance of my mortgage down to below 78 % loan to purchase price on XX/XX/XXXX. I was informed when I had paid the mortgage down to 80 % that i needed an appraisal to cancel PMI, or if I paid it down to 78 % it would go away immediately. Since then, I have been educated on the Homeowners Protection Act. 

A PMI payment was withdrawn on XX/XX/XXXX. I contacted the company on XX/XX/XXXX, and they said I needed to put in a formal request, which they did at that time. They said it could take 3-5 business days. Between XX/XX/XXXX and XX/XX/XXXX, I followed up again, and was told my request was pending, and I received inconsistent information on how long it would take to process. I did not record the date for this call as I thought they were working with me at the time. 

I followed up on XX/XX/XXXX, and was then informed it would take a month from my request on XX/XX/XXXX. I asked for confirmation as I had been told 3-5 business days multiple times before and they refused to send any written confirmation. They told me to send an email, which I've attached. I was not contacted. 

On XX/XX/XXXX, another PMI payment was taken out of my escrow account. I called on XX/XX/XXXX, and they said someone would call me in 24 hours. Nobody contacted me, and I followed up on the evening of XX/XX/XXXX, and I was told that the automatic cancellation was not 78 %, it was 75 %, which is inconsistent with the Homeowners Protection Act and my mortgage documentation. They also told me my LTV was at 79 % in their system, when it has been at 77.99 % since XXXX, and shows at 77.99 % on the customer portal. I asked the representative what they were showing as an outstanding balance, and the amount he told me was the correct outstanding balance, which equated to 77.99 %, but he still told me my loan was at 79 %. 

They refuse to let me talk to a supervisor, they refuse to call back. I believe they are intentionally giving me a difficult time, conflicting information and ignoring me because I have called so many times on the matter.
Consumer complaint received 2019-02-02
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 — Problem with personal statement of dispute
Company: Navient Solutions, LLC. (GA)

I attended XXXX XXXX XXXX in XX/XX/XXXX and the school closed in XX/XX/XXXX, applied for a student loan forgiveness and I was told I cant get it
Consumer complaint received 2018-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (MN)

In my divorce back in XXXX, my ex husband was ordered to pay the loan to XXXX XXXX. The bank modified the loan and made it a permanent 2 % fixed rate installment loan. This loan was sold from XXXX XXXX to Shell Point Mortgage Servicing. XXXX said he was not notified of the sale or where to send payments. He got his first statement in XXXX and made a payment in the beginning of XX/XX/XXXX. I wasn't contacted by Shell Point Mortgage until XXXX or XXXX making me aware of the fact that there was a past due amount on the loan and that the loan had been sold. I immediately contacted XXXX and let him know a payment needed to be paid and where to mail the payment. He never received a XXXX statement. I have attached documentation explaining all the issues. I know that when a loan is sold the consumer has certain rights. Shell Point Mortgage Servicing has issued two 60 late payments to my credit report which caused me to get denied on a loan application from XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-03-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BMO Bank, N.A. (PA)

When looking at a payoff letter, it has the wrong Borrower name and address on a loan I have and have made 35 of the 36 payments on. I have asked for the incorrect borrower and address to be removed. I am worried the title will not be sent to me, and BMO has not been able to convince me that the issue was corrected.
Consumer complaint received 2022-02-16
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. (AL)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2019-02-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

I have previously filed a complaint no. XXXXMr Cooper responded to us via us mail.But again their explanation was full of inaccuracies and false information.They haven't updated their system with any current information and instead are using information provided by them by the previous lender. 
The person in charge of the escrow review is not responding to voice mails.Her name is XXXX XXXX XXXXShe 's the one that responded to the complaint using fraudulent numbers from previous lender. 
My husband and I spoke to an escrow supervisor on XX/XX/19 and we asked him to escalated our issues to upper management.We haven't heard from anyone. 
I feel that MR. cooper is committing mortgage fraud and are using misleading information to collect additional escrow without gathering the precise numbers.They are using insurance and taxes amount due for my property that aren't right.Furthermore they are lying to me as well regarding where they are getting these numbers. 
Perhaps they do not understand that mortgage fraud is a crime. 
I can not understand why the CFPB allows these companies to commit fraud and get away with it. Ii advice them that either resolve this matter correctly or I will contact my local FBI office and escalate the issue.After all mortgage fraud is a federal crime.Maybe your office can escalate this matter to them as well since Mr.Cooper is not been straightforward with my problem.
Consumer complaint received 2019-02-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (CT)

3-4 years ago my mortgage was sold by XXXX to a company called Seterus. Since then I have so many payment problems. My bank has sent them a mortgage payment 2x,  both occasions the payment was never received!! I get hit immediately with penalties. I have paid several times through their online payment system, again these payments failed and I got hit by penalties. Always penalties. The only way to pay my mortgage is to actually call them up every month and authorise same day debit from my account. Always so many extra fees ... I have reached out through social media and found hundreds of people suffering the same way. 

We now realise that Seterus are scammers, just looking to frustrate mortgage holders to screw extra fees every month. This is a consumer racket, and the public is being fleeced. I am a member of this XXXX page - https : XXXX. Please investigate them, they are fraudsters
Consumer complaint received 2019-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (TX)

On XX/XX/2019 I contacted American Express to pay off/Settle my account. 
They offered me {$900.00} to Settle the account and it would be considered paid in full and close the account. The full balance was {$1300.00} originally On XX/XX/XXXX XXXX  alerted me that American Express had reported that my account had been charged off. Which is completely inaccurate and False.. 

American Express has not complied with what they had promised me. They are still asking for {$490.00} more, even after they have said that my payment of {$900.00} would settle the account as paid in full and close the account. 

They have lied to me on every account, and now XXXX will not allow me to Dispute this account. 

American Express has not sent me any documents as of this date, but I do have proof of my payment with my bank and American Express has a Recording of my Phone Call with them when I settled the debt.
Consumer complaint received 2019-02-02
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. (TX)

On XX/XX/2016 I settled an XXXX XXXX with XXXX, for the past two years Ive been complaining that the wrong information has been reported to my credit report. Im complained, wrote emails to representatives at the bank, and complained to Equifax and its still has wrong information being reported. My next steps are reporting XXXX   to the Texas Attorney General and to the Texas Finance Commision in addition to filing a Lawsuit against XXXX and Equifax. I have disputing this account for the passed two years and Ive saved the results and have my credit reports for the past two years. This is very unethical for a lending institution to do this in addition violating FCRA Laws.
Consumer complaint received 2019-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

XXXXXXXX XXXX Credit Card Account # XXXX Date opened : XX/XX/XXXX Date Paid and Closed : XX/XX/XXXX Credit card that was closed on XX/XX/XXXX Amount : {$1.00}, XXXX 
This account was closed and is also too old to be on my credit report. 
I have wrote the company and emailed the company and it still has not been removed.
Consumer complaint received 2022-09-02
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. (FL)

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the XXXX you cause me.
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 — Investigation took more than 30 days
Company: American Student Assistance (NV)

I sent these creditors debt validation letter 30 days ago asking for your company to provide me with proof that I own this debt, and these companies has failed to respond. I then looked at my credit report and noticed that these creditors are still reporting this inaccurate account on my credit report without validating it. The law is clear on this issue, you cant continue report a disputed debt if they failed to validate. Because of their actions, they have violated the FDCPA act which carries a fine of {$1000.00} for every incident, and FCRA for reporting inaccurate information on my credit. This violation also carries a fine of {$1000.00}.
Consumer complaint received 2023-04-03
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. (CA)

I am writing this complaint to TRANSUNION I sent them a letter regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.
Consumer complaint received 2019-09-17
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. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-12-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc. (FL)

On XX/XX/XXXX I make online purchase and the items I purchase never got to me on XX/XX/XXXX I cancel my order and still havent received my money back then I disputed the charge with my bank and provided the documents supporting my case and they simply denied the dispute
Consumer complaint received 2024-03-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

I am writing a second complaint on this issue ; I had previously filed a complaint, # XXXX. I did not receive a response from the Company on this issue, and checking with the CFPB was the only chance I had to see that they responded. They did not address the actual specific concerns, and used boilerplate responses as if I were just complaining about my credit limit and the inappropriate finance fees, and were so insulting to even include in their response that I should " pay my bills on time '' to not receive finance fees.


Hopefully someone at Amex will actually READ this letter rather than assuming all complaints are bad lazy people that don't pay their bills. Regarding the Credit Limit issue, their " periodic check '' happened during a time while I was
experiencing fraud on another ( XXXX ) credit card. XXXX has since removed the negative reporting that Amex specifically cited as the excuse for the reduced credit limits. Now the negative reporting has been removed, it is reasonable to ask Amex to check the accounts again and reinstate the limits.

Regarding the finance charge, as I reported, I -did- pay my bill on time, but Amex recorded the transaction as taking place XXXX XXXX late. Attempting to charge finance fees and a late fee for a payment being purportedly XXXX XXXX late is usury and a grotesque interpretation of the XXXX. 

I hope someone at Amex will actually READ this complaint as to the specifics, rather than assume I am just someone that is " Boo hoo '' upset about typical metrics. Their actions are disappointing and usury, and I will continue to escalate this issue with the CFPB and other regulatory agencies until an appropriate outcome is received ; it would be appropriate for Amex to address appropriately instead of telling me to " pay my bill on time '' as if I hadn't made perfect payments for entirety of being a card holder.
Consumer complaint received 2021-05-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: BAM Management US Holdings Inc. (NJ)

Hi My Name is XXXX l tried open a account with binance. All paper work its been ready. They put on pending list more than 2 or 3 months please can you guys guy help thank you My Binance account # XXXX XXXX XXXX