davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (AZ)

I opened an account with American Express under the following terms, as confirmed by their own customer service representative and in my card contract : " XXXX bonus miles after {$2000.00} or more in qualifying purchases are made on the Card within the first 3 months ( 92 days ) of Card Membership. An additional XXXX bonus miles ( for a total of XXXX bonus miles ) after an additional {$1000.00} ( for a total of {$3000.00} ) in qualifying purchases are made on the Card within the first 6 months ( 183 days ) of Card Membership. A {$50.00} statement credit after the first qualifying Delta purchase is made on the Card within the first 3 months ( 92 days ) of Card Membership. '' The terms of this offer were met by XX/XX/XXXX. As an example, I spent {$2200.00} in my third month of card membership ALONE. My account was not credited with the award miles within the one-two billing statements quoted in the contract. I opened an issue with the customer service on XX/XX/XXXX. I was told to wait 6-8 weeks for this to be resolved. During this time, I never received an update or resolution. After opening an initial complaint with XXXX, I received a letter in the mail " response '' that essentially asked me to continue to wait. After 8 weeks had passed, I again checked on the status of my issue. I was informed the case was closed as a result of me contacting the XXXX. I was then told to wait an additional billing cycle. This was on XX/XX/XXXX. My next billing cycle began XX/XX/XXXX. I contacted the company today, XX/XX/XXXX. American Express now states that their resolution team is working on the issue and will contact me when there is a resolution. There is no quoted timeline for resolution, despite having had over 12 weeks to work on this issue. The resolution of this issue is very simple. All that needs to happen is for an individual to look at my first three credits to confirm that I spent well over {$3000.00} on this card in the required time frame. This should take less than 5 minutes. There is absolutely no reason this could not have been accomplished in the last 3 months. I feel American Express has not followed through on their terms of the contract, is using stalling and stonewalling techniques to continue their lack of follow through, and has not made any forward movement on this simple, outstanding matter.
Consumer complaint received 2022-06-14
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: EQUIFAX, INC. (WA)

In accordance with the fair credit reporting act XXXX  account number XXXX XXXX  Account number XXXX, XXXX Account number XXXX, XXXX Account number Account number XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX  Account number XXXX, have violated my rights. 
15 USC 1681 section 602H states I have the right to privacy.

15 USC 1681 section604A section2 also states that a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-07-22
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. (AL)

I lost wallet which had ID and Social Security Number. My identity was stolen and there a fraudulent accounts on my credit report that needs to be removed. The fraudulent accounts are listed as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (MA)

Transaction from Paypal to XXXX XXXX. XXXX XXXX given account has been closed on XX/XX/XXXX. 

Below is Copied from from Paypal : Bank Account -negative {$1200.00} XX/XX/XXXX Transfer to Bank Transfer from PayPal Cash Plus balance Transaction ID XXXX Transfer to XXXX XXXX XXXX {$1200.00}
Consumer complaint received 2022-07-22
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. (AL)

I lost wallet which had ID and Social Security Number. My identity was stolen and there a fraudulent accounts on my credit report that needs to be removed. The fraudulent accounts are listed as follows : XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

XXXX XXXX XXXX, XXXX filed Judgement with Superior Court of California, XXXX XXXX on XX/XX/2012 ; case : XXXX Platfiff : CACH , LLC XXXX against XXXX XXXX and XXXX XXXX XXXX. Before filing the judgement, the firm failed to follow prescribed procedures to deliver notices requiring debt. After I accidentally discovered the filing was placed with XXXX XXXX office, I was shocked! On numerous occasions, I attempted to contact the firm by phone and in writing to provide me the original documents to verify the debt. XXXX XXXX XXXX XXXX XXXX representatives either ignored me or kept on saying that the debt verification and confirmation would be sent over my current address, but I have not received anything what I asked ever since! I am convinced this is a Freud and would like to flag this firm for acting unprofessionally. I am really hopeful that CFPB will be able to help me resolve this situation and enforce XXXX XXXX to provide me with documents I have been requesting for many years. Attaching the very recent letter I sent to the firm which was yet again ignored.
Consumer complaint received 2018-05-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (CT)

Honda Financial states that because payments online were late that as company policy that they no longer allow access to those customers to make their payment through their online portal for 12 months. 

I asked for a manager to restore my online access to pay and I also inquired where in my contract did they advise me about this discriminatory treatment for certain customers and not others to make their payments online. 

I inquired as to the legality of that decision to lock customers out of their online payment system and where in the contract that I signed am I warned that the policy of the company is to discriminated against as a late paying customers and force them to pay in addition to the fees that are usurious in excess of {$1800.00} of late fees that have been charged onto this account. Now i am being forced to pay an addition $ 4-12 to make payments using XXXX XXXX This company needs to be sued in a class action for blocking only certain customers but not all customers from using the online system to manage their account payment portal. it is a deliberate manner of rejecting customer payments and making the company charge additional fees onto certain customers
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

in accordance with the Fair Credit Reporting Act XXXX, XXXX XXXX XXXX  Act. # XXXX 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 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

The CRA 's arent allowing me to freeze, lock, or View my credit. Equifax is not updating any information to view. Status is internal lock. XXXX will not allow me to enter my account without forcing a membership. Please help Fix the issue please
Consumer complaint received 2020-07-27
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. (GA)

My name is XXXX XXXX ... I am XXXX years old ... .I HAVE NEVER LIVED IN XXXX , GEORGIA ... .I HAVE LIVED IN XXXX, GEORGIA my entire life ... .yet EXPERIAN has yet again added an apartment COLLECTION ON MY CREDIT REPORT THAT WAS ONCE REMOVED AND PROVEN TO BE FRAUD ... ..I HAVE NEVER ATTENDED ANY SCHOOL IN ALL MY XXXX  YEARS, YET EXPERIAN IS REPORTING STUDENT LOAN ACCOUNTS ON MY CREDIT REPORT THAT DEFINITELY DO NOT BELONG TO ME ... .THAT STARTED IN XX/XX/2015!!! 

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business  days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.
Consumer complaint received 2022-06-16
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: EQUIFAX, INC. (TX)

In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, 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 2022-06-16
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. (TX)

In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX  # XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX, 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 2019-03-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Our mortgage was bought by a different lender SPS Loan Servicing, we were behind due to loss of income, and the lender asked that we start making payments XX/XX/2017, yet have reported to the credit bureaus since XX/XX/2017. We had already been having problems with paying our mortgage, and they suggested filing for a modification. That was done 3 different times because of paperwork issues, each coming back with no qualification, and never being able to work with one or two different people, each phone call was with a different person, and we only made one payment to them since they took over the loan, in which they sent back. We knew we were headed for foreclosure, and made a last ditch effort to Keep Your Home California, and we were approved for {$14000.00} and we would have to first pay approximately {$1600.00}, and combined would have brought us current. However, the lender would not accept 2 different payments, spoke with at least 8 different people, all saying the same thing. So Keep Your Home California, told us they could not send their payment until the lender accepted our payment, and then the program closed. Now we are being foreclosed on.
Consumer complaint received 2022-06-16
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: Experian Information Solutions Inc. (VA)

Hippa rights has been compromised XXXX XXXX XXXX and XXXX has violated my rights 15 U.S.C 1681 section 602 A States I have a right of privacy which both company has violated 15 U.S.C 1681 section 604 Section 2 It also states a consumer Agency can not furnish a account without my written permission which has also violated They also said the information has been verified and did not send me procedure of the investigation and binding signature that I had a contract with XXXX XXXX XXXX due to all the violations XXXX XXXX XXXX has violated I'm requesting the accounts be deleted of my XXXX credit report XXXX XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX XXXX {$290.00}
Consumer complaint received 2020-07-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NE)

Our mortgage was bought by Shellpoint Mortgage Servicing fall of XXXX. 
XX/XX/XXXX we received a letter stating we did not have HOA insurance coverage and if we didn't provide the policy, a policy would be purchased for us. 
XX/XX/XXXX, received a letter that the policy was cancelled, since we have adequate coverage. 
XX/XX/XXXX, received a letter that they were unable to verify our coverage and to provide the documents or they would purchase a policy for us at a cost of {$140.00}, which would be applied to our escrow account. 
On XX/XX/XXXX, XXXX XXXX, customer service rep, called and talked directly to my insurance agent and received those documents while I waited on hold, and they still state they don't have current information on file! 
XX/XX/XXXX, received a letter stating our HOA has expired and they need documentation. 

During this time,XX/XX/XXXX, I have called numerous times, talked to several customer service reps, emailed these documents while on the phone and waited until they received the message and verified that they had my insurance documents. I have also emailed direct to the company, requesting confirmation and requesting that their insurance purchased on my behalf, be cancelled and my escrow not billed. I have also faxed all documents to them on XX/XX/XXXX, and XX/XX/XXXX. 


We have no direct line to contact the company to talk with a person in charge or the insurance department. The only number provide is XXXX or fax XXXX. Each direct call is with a different customer service rep and then I need to explain the whole issue from the beginning. 

I have provided all HOA and personal insurance documents since XX/XX/XXXX feel these people are not taking care of their customers, and recording information correctly. 

I feel this is an insurance scam, to purchase policies, charge our escrow, hoping people will not notice, and some insurance company will make money from this. If not insurance scam, then very bad service, and company process and handling of customers documents.
Consumer complaint received 2022-07-22
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. (IL)

I had a chance to view full credit report and I saw many inquiries that I have no acknowledgment of. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I called capital one 3 times in regards to why my Walmart MasterCard was closed because in the website on my account it says the account is restricted which I have never seen before. The Walmart MasterCard was owned by synchrony bank and then was sold to capital one in XX/XX/XXXX. Looking into my account my account was closed without my authorization or consent. I asked them why capital one said they were not sure why it was closed. I called on XX/XX/XXXX to have my account reopened, capital one informed me that it would take a couple days for a response. I got a call on XX/XX/XXXX from the capital one representative that my account/. Walmart MasterCard could not be reopened they could not give me a reason why. I was so upset I have had this account with synchrony bank for almost 6 years before it was transferred and sold to capital one. I am a new customer and do not appreciate the lies and unprofessional business that capital one has shown me on behalf of this unfortunate event. This is unfair. Now I dont have a Walmart MasterCard credit card and its closed when I had a {$3000.00} credit limit which hurt my credit because of this account being closed without my authorization. I will not do business with capital one anymore because of the excuses and lies that were stated to me.
Consumer complaint received 2020-01-31
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: EQUIFAX, INC. (NV)

Hello, My name is XXXX XXXX. My fianc just recently purposed to me. We are ecstatic, and ready to start out dream wedding. 
Upon review of my credit report, there are an ample amount of Accounts, Collections, and inquiries that do not pertain to me and I are results of identity theft. Please remove these item as they our affecting my credit worthiness. 
Please remove these item from my report or legal action will be taken. 
Thanking you in advance. 


ACCOUNT : XXXX
Consumer complaint received 2022-06-16
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: EQUIFAX, INC. (NY)

XXXX XXXX Last reported XX/XX/XXXX {$400.00} Open balance XXXX XXXX  XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Dispute resolved ; customer disagrees Original creditor name XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$650.00} Open balance XXXXXXXX XXXX XXXX  Original creditor XXXX  Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Dispute resolved ; reported by grantor Original creditor name XXXX XXXX XXXX  In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, 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 2020-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: PNC Bank N.A. (IL)

On XX/XX/XXXX my car was repossed by a company named XXXX a company that works with my Loan holder PNC Bank. After calling PNC they said I never made my XX/XX/XXXX payment. I make my payments every month thru mycheckfree app. I told them I was unaware that payment did not go thru. This was the only payment in the 5 yrs of my auto loan that I missed, I told them I never received any phone calls or mail letting me know I still owed this payment. I immediately went to a bank branch and made all necessary payments to bring this loan back to good standing and get my car. When I called back and talked to PNC they told me they would not remove this from my credit report. I told them again this was not right and I was never notified by phone or mail. They were very unhelpful. I would like this taken off my credit report, because I was never notified and this could have been avoided. I feel a better effort could have been made on their end to collect a debt. After being a customer who paid there bills every month for 5 yrs I would expect better treatment and not to have my vehicle taken away like a person who made no payments for months. Side note since that XXXX payment that I missed I made my XXXX and XXXX payment which apparently meant nothing to them as far as maybe this other payment was missed in errror. Thanks PNC for the classy treatment
Consumer complaint received 2018-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: JMAC LENDING INCORPORATED (CO)

JMAC Lending contacted the mortgage broker I used and stated we provided information that was " not factual '' and they were starting proceeding against XXXX XXXX and XXXX XXXX and reported it to the FHA. I called them and told them it was factual and I could provide proof. I sent them a signed statement from the person that was my immediate supervisor and it stated I was still an employee at that time in question and they have apparently decided to ignore me because I ask to be informed about the process and I have not heard from them since. I would like to clear this issue up as soon as possible. 
Thank You XXXX XXXX
Consumer complaint received 2022-06-16
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. (NY)

XXXX XXXX Last reported XX/XX/XXXX {$400.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Dispute resolved ; customer disagrees Original creditor name XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$650.00} Open balance XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Dispute resolved ; reported by grantor Original creditor name XXXX XXXX XXXX  In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, 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