davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-08
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 (FL)

I took part in a promotional solicitation offer by Amex to upgrade my credit card product ( paying an additional annual fee ). This was an offer to try a more premium card in exchange for some points. After trying the card for nearly a year, I decided to downgrade back to my original card. Amex then contacted me and removed the points awarded from the promotional offer. 

I was told that because I did not re-up on the annual fee for another year, they were retroactively removing points awarded 9 months ago. This seems like a " have it both ways '' situation on their part. I was an honest participant in their offer, and decided the product wasn't for me. They then penalized me for it using fine print terms I wasn't even aware of. 

XX/XX/21 : Amex emails me offering me XXXX Membership Rewards points for upgrade from Amex Everyday card ( no annual fee product that I have ) to Amex Every Preferred card ( {$95.00} annual fee ). The promotional offer requires that I spend {$2000.00} within 3 months. 

XX/XX/21 : Amex sends a reminder email about their offer XX/XX/21 : I accept the Amex upgrade offer XX/XX/21 : I spend {$4400.00} on the card, fulfilling the term of the offer XX/XX/21 : Amex emails me confirming I fulfilled the terms of the offer and awarding me the XXXX points. 

XX/XX/21 : I downgrade the product back to my original card ( Amex Everyday, no annual fee ). I tried their product for a lengthy period of time and determined that I didn't get the additional value advertised to be worth it. 

XX/XX/21 : Amex emails me that they have deducted the XXXX points from my account
Consumer complaint received 2020-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Transunion continues to report an inaccurate and unverifiable bankruptcy even after I sent them a FTC identity theft report and official letter from the US Bankruptcy Court stating that they did not report the record to the credit bureau which means it cant be legally verified
Consumer complaint received 2018-05-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Home Loan Center, Inc. (MD)

On XX/XX/2018, at approximately XXXX I made contact with XXXX XXXX and XXXX XXXX. Neither company was helpful and stated that although it was not an application that I filled out that they were authorized to pull my credit report 5 different times. 

I never authorized hard inquiries. The website on lending tree stated clearly that it would NOT effect my credit score. However, it surely has ... .my score has dropped dramatically as a result of this ... I encourage anyone that has had this issue to start a lawsuit against both companies.
Consumer complaint received 2023-01-26
Product: Credit card or prepaid 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: VYSTAR CREDIT UNION (AE)

I cancelled an item that was charged on my XXXX Credit card. I cancelled via credit card services/VyStar. The products were never sent or received. After several communications with Cardholder services I went to my local Post Master : XXXX XXXX in XXXX XXXX phone # XXXX and obtained a letter that stated the information that was submitted was not sent to me and they could obtain additional information by contacting the post master. The fraudulent company Aletehadtrading company uses fraudulent XXXX labels and submit them and the cardholder services does not verify or do their job all the while continues to let the consumers pay for fraudulent transactions. I submitted all information to receive my {$54.00} credit but Cardholder services gives an automatic email response of case closed due to missing information/they are receiving a high volume of inquiries although after every phone conversation ( I have documented every communication ) Im advised of they have the information and still working on it- The transaction date was XX/XX/2022 and the card services was immediately contacted to quickly handle this but as of today XXXX XXXX my account has not been credited.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Financial Assistance Inc (CO)

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE TO PRICIPLE IS NOTICE TO AGENT After reviewing my credit reports I noticed that your are alleging that the following accounts are negative without furnishing any proof of verification or accuracy of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 
DELETE THESE ACCOUNTS OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692G ( XXXX ) XXXX XXXX + XXXX, XXXX XXXX + XXXX FINANCIAL ASSITANCE + XXXX As you know it is against the law to report any information not proven accurate.I demand that you provide me with concrete evidence of my obligation to said accounts Please be aware that all negative remark found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. If you accept my request, I will not escalate this matter to Federal Court. In the case you dont accept the above request, legal action shall be taken against your company for compensatory damages. Thank you for your attention to this matter. 

Sincerely, : XXXX XXXX XXXX All Rights Reserved Without Prejudice
Consumer complaint received 2018-05-24
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: CITIBANK, N.A. (CA)

On XX/XX/XXXX, I applied for a credit card with XXXX XXXX ( XXXX  ). The deal was for me to spend {$3000.00} within 90 days, and receive a bonus of 60,000 XXXX  miles. I completed my end of the deal, as I had spent nearly {$8000.00} by the end of XX/XX/XXXX. However, as of XX/XX/XXXX, I had not received my bonus miles. 

In early XXXX, I called customer service at XXXX, and spoke with XXXX. She in turn called Citi Card services, and after a 20 minute wait, we had XXXX on the line. XXXX simply said that I was not eligible for that offer, and suggested that I fill out a dispute form if I wished to challenge her finding. 

On XX/XX/XXXX, Citi sent me a letter indicating that I was not eligible for the Bonus offer due to the following clause : Special offers arent available when an existing account in the same product has been approved or closed within 24 months. 
I disagree with that conclusion. The initial ad did not explicitly mention that restriction, and, Citi Card services could have checked for that condition during the review of my application, and rejected me right then, not after I had spent nearly {$20000.00} on the card. 
Therefore, I believe I should be entitled to the 60K bonus miles.
Consumer complaint received 2024-05-17
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Special Financing Company, LLC (MA)

XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Against Executive XXXX XXXX XXXX XXXX for Misrepresentation of Services Dear CFPB I am writing to file a formal complaint against Executive XXXX XXXX XXXX XXXX XXXX XXXX due to significant discrepancies between the services promised and those delivered, which clearly violate the terms we agreed upon at the time of enrollment. 

Despite assurances of personalized career coaching and a guaranteed job placement within a specific timeframe, the program predominantly offered generic group sessions with minimal one-on-one coaching. This substantial deviation from the promised personalized service not only adversely impacted my career progression but also led to financial losses without achieving the outlined objectives. Furthermore, XXXX failed to disclose the interest rates attached to the financing of these services, which was a crucial aspect of my financial agreement with them. 

As part of my commitment based on their assurances, I have already made significant financial outlays totaling {$4100.00}, which includes XXXX payments of {$450.00} to Special Financing LLC and an initial payment of {$500.00} directly to XXXX. These payments were made under the belief that XXXX  would deliver the personalized services as contracted. 

Given the substantial non-compliance with the agreed-upon service delivery and the lack of transparency regarding the financing terms, I request the CFPB 's assistance in investigating these practices and facilitating an appropriate resolution. I believe this investigation is crucial not only for my case but also to prevent potential future consumer harm. 

Enclosed are all relevant communications, contracts, and other documentation pertaining to my interactions with XXXX. I am seeking a fair adjustment of the financial charges based on the actual services delivered and a formal acknowledgment of the issues from XXXX 

Thank you for your attention to this matter. I look forward to your prompt response and assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-03-08
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: BETHPAGE FEDERAL CREDIT UNION (MD)

I have contacted Bethpage Federal Credit Union on XX/XX/XXXX and XX/XX/XXXX, and no one has been able to help me. XXXX has not removed the this consumer from my credit report, despite my dispute requests. This is an account that was removed in XXXX once I paid the account in full. The consumer is unable to locate my account ( Account # XXXX ), but XXXX says that the consumer is requesting for the account to stay on my report. I'm not sure how to have this removed from my credit report when the consumer can not locate the account, but XXXX is advising that the account is valid. Please assist.
Consumer complaint received 2018-05-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SUNTRUST BANKS, INC. (MD)

We were waiting for about two years to sell my house to a client and the bank keeps on telling me to renew my personal documents. This is due to us having another bank that they both ask me to renew my documents and after long periods of them asking me and me giving them everything they asked for, they got mad for no reason and told me that they don't want it anymore because apparently I took too long to send the documents that I always sent on time and they are putting the house under foreclosure.
Consumer complaint received 2019-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

THE DISPUTED ACCOUNTS ARE BANKRUPTCIES THAT HAS BEEN DISMISSED. PLEASE REMOVE THOSE ACCOUNTS FOR THEY HAVE CAUSED TREMENDOUS DAMAGE TO MY CREDIT FILE. ATTACHED ARE FORMS SHOWING PROOF OF THOSE DISMISSED ACCOUNTS
Consumer complaint received 2019-03-28
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: Experian Information Solutions Inc. (FL)

SAME AS PREVIOUS COMPLAINT, WENT TO XXXX XXXX, THEY RAN MY CREDIT FORA CAR LOAN THRU A CREDIT AGENCY WITHOUT MY CONCENT.
Consumer complaint received 2019-03-28
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: EQUIFAX, INC. (FL)

SAME AS PREVIOUS COMPLAINT, WENT TO XXXX XXXX, THEY RAN MY CREDIT FORA CAR LOAN THRU A CREDIT AGENCY WITHOUT MY CONCENT.
Consumer complaint received 2020-02-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (SC)

Call Navient as I have paid without missing a payment for more than 10 years. I work with XXXX eligible and ask for loan forgiveness. The request was denied as they indicated that their loans are not forgivable. when I applied years ago, I was told with good none missed payment the loan can be forgiven. The only option offered is to get a % of for auto repayment. Incorrect information given when loan was received via Sallie Mae.
Consumer complaint received 2022-07-24
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. (CA)

XXXX accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX ( {$7400.00} ), has violated my rights.

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 2021-05-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CA)

Mortgage/Impound account holder Flagstar bank did not make county tax payment when it was due. Plenty of money was in the escrow account to make the payment. 
Flagstar is claiming they didn't have to pay because there was an inquiry about a " payoff balance '' because I was looking into a refinance. 
In the meanwhile, hundreds of dollars in late payment fees accrued. 
I did not authorize them to not pay taxes. They simply decided not to because there was an " inquiry ''. I have asked them to pay me back for the late payment fees for the taxes that they were obligated to pay and they have refused.
Consumer complaint received 2015-12-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Convergent Resources, Inc. (TX)

i had this debt on my credit report and disputed it and reported it to the fcc and XXXX, and they removed it from my credit report, but now its back again under another credit collections agency but from XXXX. they just put it back on with another name so it will go back on my credit report. i had already spoke with XXXX as well when this issue incurred.
Consumer complaint received 2022-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (FL)

This is the third time I have tried to get Truist bank to give me past bank statements demanded by Social Security XXXX. Without these bank statements from a closed account I am going to lose my benefits starting next month. XXXX from Truist called me twice over the past few weeks and all she does is lie to me and give me lip service and tell me the statements are in the mail. 

Today Social Security said if I dont have the statements next week theyre going to stop my benefits. Ive left several messages with XXXX from Truist and she never calls me back
Consumer complaint received 2018-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Southwest Credit Systems, L.P. (PA)

Below is my previous complaint and also the company response. I requested original contract with my signature at time that i received services and proof and authority that XXXX XXXX XXXX can lawfully collect any monies from me but i haven't yet received any of the requested documentations. 

YOUR COMPLAINT I reported an inaccurate information on my credit report, put on there by Southwest credit systems, L.P. they said my balance was XXXX XXXX dollars, now after my complaint they responded and also uploaded few billing statements with my name and my former address on it, this could have been made up, it also shows inaccurate break down of service they claim i had at a former address, i have been harassed with all sorts of promotions from XXXX in the past but only remember getting internet service that was paid for on time and cancelled when i moved from my old address. The billing information they uploaded is very inaccurate and i kindly ask that they provide a full contract with my signature before accepting service that they claim i owed them {$58.00} dollars. Once again i will like to see a contract and i also will like to see documentation giving Southwest credit systems lawful rights to collect any kind of money from me. 


responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Complaint Number : XXXX Consumer Name : XXXX XXXX XXXX XXXX. Response Date : XX/XX/XXXX Southwest Credit Systems , L.P. ( " SWC '' ) is in receipt of the above-numbered consumer complaint. SWC takes all consumer complaints seriously, and is grateful for the opportunity to respond. On XX/XX/XXXX, XXXX contracted SWC to collect the unpaid balance of {$58.00} from XXXX XXXX, XXXX, PA. According to XXXX, the account became delinquent XX/XX/XXXX. On XX/XX/XXXX, XXXX received XXXX XXXX first CFPB complaint regarding his account ( reference # XXXX ). On XX/XX/XXXX, XXXX answered XXXX XXXX complaint and provided account validation per his request. The bill copies XXXX XXXX received were provided by XXXX for services rendered. XXXX also stated, We do not have signed contracts for our residential customers. SWC will continue to work with XXXX and XXXX XXXX to resolve this matter. SWC is compliant with regulations regarding collections and credit reporting. If XXXX XXXX or the Bureau has any further concerns, they may reach SWCs Executive Relations department directly at ( XXXX ) XXXX or XXXX. XXXX XXXX Compliance Southwest Credit Systems , L.P .
Consumer complaint received 2015-12-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (NJ)

I received letter from convergent outsourcing stating i owe XXXX from XXXX. I have a XXXX balance with XXXX. I noticed on the XXXX help forums that this company routinely tries this scam with hundreds of people with no impunity from XXXX.
Consumer complaint received 2022-03-08
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Conn's, Inc. (NV)

there was a conns home plus opened in my name with a total amount owed of {$6000.00} and there was some balanced paid in there records and there saying i owe XXXX and there was a call got them stating they wanted to use the store insurance to get new items that were stolen so they have denied my fraud claim and told me i was a liar. i never have been in a conns or opened an account with them.
Consumer complaint received 2022-03-08
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: Experian Information Solutions Inc. (MD)

I have contacted XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX, and no one has been able to help me. Experian has not removed the this consumer from my credit report, despite my dispute requests. This is an account that was removed in XXXX once I paid the account in full. The consumer is unable to locate my account ( Account # XXXX ), but Experian says that the consumer is requesting for the account to stay on my report. I'm not sure how to have this removed from my credit report when the consumer can not locate the account, but Experian is advising that the account is valid. Please assist.
Consumer complaint received 2018-05-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (CA)

Several times a day, I receive calls from an Unknown number. Each time, the caller leaves a different message but provides the same phone number. Im guessing that the calls are from XXXX XXXX. I informed them several months ago that I am in the process of consolidating my debts due to health issues keeping me from working. Ive asked that they stop calling me multiple times a day. The last voicemail message received, the woman said that she was an agent and that my case was placed on her desk to take legal action against me. That if I didnt call back immediately they would be handling my affairs for me. They did not inform me of which company or an account number. Just threatened me. You could hear it in the tone of voice.
Consumer complaint received 2018-05-24
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 (CA)

I have enrolled in the AMEX Offer for XXXX XXXX XXXX Small Business Internet. I have made a payment on XX/XX/2018 for {$200.00} to my XXXX XXXX XXXX Small Business Internet account via XXXX. The transaction posted as follows : XXXX XXXX XXXX HSIA BUS E-EVR XXXX XXXX XXXX XXXX - XXXX TX XXXX UNITED STATES XXXX Additional Information : XXXX XXXX XXXX XXXX HSIA XXXX XXXX XXXX HSIA Reference : XXXX Category : Communications - Cable & Internet Comm I have contacted AMEX via chat twice and phone. I was told that the transaction is not qualifying for the credit because it is a XXXX XXXX XXXX HSIA not XXXX XXXX XXXX Small Business Internet. However, per XXXX XXXX XXXX and by technical standard, HSIA stands for High Speed Internet Access. Therefore, the transaction should be read as XXXX XXXX XXXX High Speed Internet Access Business and should be considered as qualifying purchase as per the offer.
Consumer complaint received 2022-08-17
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: Thaxton Investment Corporation (GA)

From XXXX XXXX to XXXX XXXX, XX/XX/XXXX, I have acquired multiple hard inquiries on my credit report that I did not authorize. Under the fair credit act section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : If you have no written signature from myself, please remove these items.
Consumer complaint received 2020-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Ive mailed request four times to all three credit bureaus to remove fraud alert because its hindering me to purchase my home Ive sent certified Mail and fraud alert still on there and I need it permanently removed