davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-04
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 (VA)

In XX/XX/XXXX, I referred my " American Express Blue Cash Preferred '' credit card to a friend with a special referral offer saying " earn {$75.00} Reward Dollars per approved referral ''. 

My friend successfully received his card and my account is supposed to receive {$75.00} rewards dollar within 8-12 weeks per term, ( no later than XX/XX/XXXX ). 

However when I remember it and check my account rewards history after one year ( in XX/XX/XXXX ), I didn't see any referral bonus rewards, I contacted customer service about that, then the pain started. 

Every time I was connected to a representative, I had to tell the story once, then they created a case and said it had to be reviewed by other teams and it would take couple weeks for response. I waited for about a month without hearing anything back, then I tried to contact again, repeated what I had done and fell into reporting then waiting for another couple weeks loop. 

I tried to follow up at least 4 times in XXXX, XXXX, XXXX, XX/XX/XXXX. 
Sometime I was told I would be contacted after investigation is complete, sometime they said missing rewards would show up in my account after investigation and I do not have to contact again. 

No surprise, neither of them happened. So I contacted them again in XXXX and learned something new. They told me investigation was done and my case was already closed without doing anything to resolve the problem. I could not understand what's wrong with them and how that simple case needs so long time for investigating. They opened a new case for me and asked me to wait. 

This time I received an email asking me to call a number to discuss my case ( first time ). 
I called twice, all disappointed. 

The 1st call told me they need contact other team and will call me back after they have a response, but I didn't receive a callback.

After a few days, I made the 2nd call which put me on hold after hearing the story, but then I was transferred to another agent who has no idea about situation. I have to start over with the story, then I was put n hold for more than half an hour without hearing a word, so I hang up. 

I get an old ticket number " XXXX '' which was opened before and closed without providing any resolution, and I have this latest ticket number " XXXX ''.
Consumer complaint received 2018-12-04
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: Waypoint Resource Group, LLC (TX)

on XX/XX/18 I reported complaint # XXXX. This was reported on my credit report in error by XXXX XXXX XXXX for {$610.00}. I followed up and reported this was identity theft and I never owned this account with XXXX. This was removed from my credit report in XXXX. However now another company ( Waypoint Resource Group ) on XX/XX/2018 placed this back onto my credit report showing the same amount owing {$610.00}. This is incorrect reporting and identity theft and I need this removed immediately please, I'm in the process of buying my family a home. Thanks
Consumer complaint received 2022-10-11
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. (MD)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish can account without my written instructions under 15 USC 's 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 2022-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (WA)

I called several times and was on hold for many hours. I was hung up on each time. I finally reached someone on XX/XX/XXXX. I requested a refund for the payments made since XX/XX/XXXX. The customer service rep told me they put the request in and I should receive my money in 4-6 weeks. It has been 6 weeks and Aidvantage keeps hanging up the call after placing me on hold for long periods of time. I have received no money from them or even an email that it has gone through. This is my money and they are refusing to give it to me.
Consumer complaint received 2022-04-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (IL)

In XXXX  XXXX, I submitted my application for XXXX to determine how many eligible payments I have made as well as if i received/am covered by the temporary waiver. I have received two separate correspondences informing me that they received my application but I have not heard anything since. I've tried contacting both XXXX and FedLoan Servicing to get an update in the status ; however, neither institutions are able to give me XXXXspecific information. I have periodically reached out to both institutions, with the most recent inquiries taking place during the week of XX/XX/XXXX. XXXX sent me a copy of my payment history but it does not indicate XXXX payments or the eligible payments under the government pandemic forbearance, and FedLoan Servicing indicates that they still do not have any record of me in their system. With the latter, I am constantly transferred and left on hold.
Consumer complaint received 2021-12-04
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. (KY)

the XXXX XXXX XXXX XXXX  would not update the payments like they where supposed to end up adding a lot of missed /late i have proof that i have been paying on it but they added another on me it was not late for sure i paid it way before then and they still ant updateing it i need to see if we can get them late payment remove cause this ant right it should not take them 30days or more to update payments dragging me to late payments on my reports over them not updating them
Consumer complaint received 2021-01-05
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. (TX)

Experian has failed to respond to my repeated attempts to remove a fraudulent account that was placed by XXXX/XXXX I have called numerous times, mailed, and disputed online and they still have not removed the account even though XXXX confirmed it was fraudulent. Since I did not authorize these companies to obtain my credit report I demand that these unauthorized inquiries and XXXX/XXXX account be removed immediately and my credit score be adjusted accordingly. I am now asking the CFPB to enforce the FCRA as they have violated my rights as a consumer and broke multiple laws.
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I am writing to dispute the following information in my file. Account XXXX XXXX XXXX XXXX This account paid on time and fully. There were no late payments. I request that this be deleted from account from a lack of factual information being reported. XXXX XXXX XXXX XXXX This account paid on time and fully. There were no late payments. I request that this be deleted from account from a lack of factual information being reported. XXXX XXXX This account paid on time and fully. There were no late payments. I request that this be deleted from account from a lack of factual information being reported. XXXX XXXX This account paid on time and fully. There were no late payments. I request that this be deleted from account from a lack of factual information being reported. XXXX XXXX XXXX This isnt a charge off account. This account paid on time and fully. There were no late payments. I request that this be deleted from account from a lack of factual information being reported. 
I am also victim to having several unauthorized inquires in my report I am requesting that the items be deleted to correct my credit report. Bk of Amer XX/XX/2021, XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2020-11-04
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Pendrick Capital Partners (UNITED STATES MINOR OUTLYING ISLANDS)

On or around XX/XX/XXXX, I contacted XXXX XXXX XXXX/Pendrick Capital Partners in dispute of a debt from XX/XX/XXXX in the amount of {$370.00}. In their letter dated XX/XX/XXXX, XXXX states " Unless you notify us within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. '' During my phone conversation with Mr. XXXX XXXX I firmly disputed this alleged debt as I had previously disputed this debt in XXXX/XXXX. 

Unfortunately a physician group XXXX XXXX of XXXX TX under the license of XXXX XXXX XXXX upcoded a visit for a simple XXXX ( normally coded as XXXX that was upcoded to XXXX please see the following for an explanation of coding https : XXXX ; XXXX XXXX  : XXXX. ) MrXXXX XXXX indicated he would send me a copy of the original bill and suggested I contact XXXX XXXX to resolve the situation. In the meantime, I was not to worry and I would be able to resolve the issue without fear of damage to my credit file. Despite my original dispute and reflecting to XXXX and Pendrick Capital Partners that I firmly dispute the charges as I did not receive the services claimed, the disputed debt was reported to credit agencies ( XXXX ) as of XX/XX/XXXX. I immediately contacted this collection agency to ask this information be removed from my credit file. The " Manager '' indicated that XXXX had the right to update my credit file at any time and queried how could I " prove '' I was upcoded. He refused to remove the inaccurate information from my credit file at which time I told him I would be exercising state and federal remedies available to me. My credit is now damaged as a result of fraudulent upcoding and a collections agency using predatory collections practices to strong arm individuals into payment.
Consumer complaint received 2023-04-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PLATINUM HOME MORTGAGE CORPORATION (MA)

When we refi the house, the bank that owned the mortgage reported it paid off ( I have the payment receipt ) but put the wrong bank name on the discharge paperwork. We are unable to get Platinum Mortgage to issue a discharge statement ( or assignment ) and it had clouded our title. 

The case is with the mortgage servicer at the time, XXXX and is case number XXXX XXXX XXXX.
Consumer complaint received 2022-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NJ)

on the day of XXXX XXXX, someone took money out of my checking account of {$300.00} my account # XXXX and the claim # XXXX I have been dealing with them ever since. I never misplace or lost my card and never called in for a replacement card and still the bank claims that my debit card and pin number were used for teller transaction ; yet that is typically not required for a teller transaction.On that date I was working and is impossible to be in two places at the same time. My boss wrote a letter confirming that I was at work on XX/XX/2022 and a report from the XXXX Police that saw the surveillance footage which was review by the them and confirm that it was not me or my husband. I have been with Chase bank for more than 20 years and never filed a complaint on this account. My claim was denied twice even though I have provided the police report and the a letter from my boss. 


Thanks, XXXX XXXX
Consumer complaint received 2022-04-27
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. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX NEVADA XXXX XXXX Account # XXXX, has violated my rights. 

XXXX5 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 : Its also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Self Financial Inc. (WI)

I have a Self credit card. Well over a month ago, I asked them to close out the card. The card is a credit builder, where you put money into the card. There is a {$400.00} amount on my card that is supposed to be refunded to me. I have been trying to get the {$400.00} for over a month and the company keeps stalling. The {$400.00} is due to me. They need to refund it to me. 

'Self ' credit card is shady and has NOT refunded my {$400.00}. This needs to be rectified. I paid the amount onto the card in good faith. They are stalling and not paying the {$400.00} I have coming. 

Warning : I would advise against this card. They do NOT practice what they preach. If they do not refund my money I am going to continue with a LAWSUIT which will include all of the time I have spent trying to get my refund.
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CNG FINANCIAL CORPORATION (NC)

I am writing to dispute the following information in my file. Account number- XXXX XXXX XXXX This account paid on time and fully. There were no late payments. I request that this be deleted from account from a lack of factual information being reported. XXXX XXXX XXXX XXXX This account paid on time and fully. There were no late payments. I request that this be deleted from account from a lack of factual information being reported. XXXX AXCSSFN/CNGO This account paid on time and fully. There were no late payments. I request that this be deleted from account from a lack of factual information being reported. XXXX AXCSSFN/CNGO This account paid on time and fully. There were no late payments. I request that this be deleted from account from a lack of factual information being reported. XXXX XXXX XXXX This isnt a charge off account. This account paid on time and fully. There were no late payments. I request that this be deleted from account from a lack of factual information being reported. 
I am also victim to having several unauthorized inquires in my report I am requesting that the items be deleted to correct my credit report. Bk of XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2021-12-03
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On three different occasions, funds were transferred out of my account and into another person 's bank account. I did not authorize transfers. The first two times this occurred, Bank of America provided me with a provisional credit in two weeks. When the third transfer of {$1100.00} occurred on XX/XX/2021, I reported the incident to a supervisor at BofA who informed me that he would request an expedited investigation and provisional credit, due to hardship. He listed the hardship as follows : I had {$0.00} in my BofA account and less than {$100.00} in my XXXX XXXX account, I got into a car accident that day and my car was totaled, I am unable to work due to a XXXX, and I have no source of income. The supervisor, XXXX XXXX, also indicated he would file a complaint as he felt BofA had not handled the fraud well from the beginning ; he said that more should have been done to secure my account to prevent additional fraud. XXXX XXXX suggested I call back in a few days to get a status update. I called back on XX/XX/2021 and learned that XXXX XXXX had not submitted notes to request an expedited investigation and XXXX credit. The supervisor I spoke to on XX/XX/2021 submitted a request for an expedited investigation and provisional credit. I contacted BofA on the following dates to follow-up on the fraud investigation and provisional credit : XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021. On XX/XX/2021, supervisor, XXXX from Louisiana, informed me that I had been misinformed by all others I spoke to. She said that provisional credits can not be requested for XXXX  ( XXXX recipients ), and I should not have been told that there was a possibility of receiving a provisional credit. XXXX made notes of the contacts I had with BofA representatives and supervisors, the history of fraud and my hardship case, and escalated the notes to the fraud investigations department and Bank of America corporate office. To date, XX/XX/2021, I have not received any communication from BofA, and have not received a provisional credit to my account.
Consumer complaint received 2018-02-27
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)

On XX/XX/2018, I sent correspondence to Navient regarding my existing loans with them. I received an email basically stating " Don't call us. We'll call you. '' During the investigation of my claim, the loan is to be placed in deferred status. That, also, has yet to happen. They simply are not responding to my request.
Consumer complaint received 2020-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: JPMORGAN CHASE & CO. (VA)

Chase had someone call me while my wife was in the hospital for XXXX complications. They offered to lower the amount of my payment if I could pay it off immediately which was fantastic so I did it right then. What I didnt realize is how this showed up on my credit and the repercussions for doing so. My wife gave birth and then I found out what this did so I immediately called chase and said I wanted to pay off the difference of the settlement and did not realize what this did to my credit report. The person said they didnt think I could but was going to check into it since it was not explained to me. They were supposed to call me back and never did. This process was not explained to me and I was in a very bad place with my wife having XXXX difficulties during COVID restrictions at the hospital. All I want is to pay off the difference so this shows as paid in full. It doesnt seem like a difficult request to satisfy a debt but it has been a nightmare
Consumer complaint received 2023-09-19
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: DISCOVER BANK (OR)

On XX/XX/2023 I was scammed out of {$900.00}. {$400.00} cash and {$500.00} on a gift card. A man and his pregnant wife claiming they were from XXXX and their cards werent functioning asked if I would help them by giving them money that they would return to me. In turn they gave me fake jewelry they passed as real gold as a way to ensure I trusted them and after they got the money their phones were disconnected and they made off with my money. Ive contacted the FTC, Attorney General, Local Police and my banks. Im not getting any resolution and Im struggling for money.
Consumer complaint received 2021-02-10
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (GA)

I was in Sams club and a club employee came to me asked if I was interested in receiving store rewards. She proceeded to ask what kind of card I had and she could see what additional rewards I could receive. I gave her may name and she looked up my membership and she asked that I put in my social security number. When doing so she said congratulations you have been approved. At that point I looked at the XXXX and noticed it was for a credit card. I told her that I didn't want a credit card. She said, well you were approved. I explained that I didn't want it and she said when the card comes in just cancel it. I told her to cancel the transaction and she showed me were she went back and answered NO to several questions and she stated that it should be okay. By the time I got to my vehicle I got a notice from XXXX XXXX that my credit was ran. When I got home I called Sams credit card company and they notified me that I was approved for XXXX. I requested them to cancel the card immediately. 
The Sam 's associate was very misleading and I am in the process of refinancing my home and her actions can can result in me not being able to get a loan for my home.
Consumer complaint received 2022-04-27
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 XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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 : Its also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-10-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (FL)

I have a complaint about money removed from my escrow account by Flagstar to pay for someone else 's homeowner 's insurance. 

On XXXX, {$1100.00} was paid to a XXXX XXXX XXXX  for homeowner 's insurance for someone else 's unit in the condominium building where I reside. The policy had a different person 's name and didn't have my unit on it. 

My insurance coverage is from XXXX XXXX XXXX XXXX. The premium for my actual insurance was paid from escrow on XXXX for {$470.00}. 

Even after identifying this issue with multiple Flagstar employees who acknowledge the accuracy of this accounting of the situation, the money has never been put back into my escrow account.

I have made the following contacts with the Flagstar insurance department to get this fixed without success : XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX I requested that the money be returned to my escrow account -- didn't happen.

I requested that someone in management contact me -- didn't happen.

I also requested that a formal complaint inside the company be filed for how this case was being handled -- I am unaware if this occurred since I have not been contacted.