davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-18
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 (NY)

I am an Amex Platinum card holder since XXXX. Sometime earlier this month I was informed about a new Delta Skymiles Amex gold card promotion which waived 1st year fee and XXXX Delta miles after charging {$1000.00} in 3months. The promotion was relayed to me when I asked to exchange the airline incidental fee reimbursement from Delta to a different carrier I was convinced to apply ( XXXX XXXX, XXXX ) for new card and was approved for a new card on application submission. I received the new card a few days later. 
I started to make qualifying charges of several hundred dollars. 
This morning I called Amex when I noticed the new card had a different Skymiles number than my current Delta number. When I called Amex to combine my 2 Skymiles accounts and I asked for update of my total points and when the promotional points would be available to purchase a new airline ticket.. 
It was at this point ( XX/XX/XXXX ) I was told that I am not eligible for promotion because I had closed the Delta card a few years ago. Amex could not/would not provide me any details of the previous account that disqualified me for current promotion. If I knew or had seen terms I certainly would not have applied for the new Skymile card and would not have to combine 2 accounts and would have accumulated bonus points on my Amex Platinum card. This appears to be a variant of a classic bait and switch of the promotion,
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed XXXX {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-01-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FinCo Services Inc DBA Current (PA)

I purchased a current debit card for my daughter for XXXX. Before even having money on the card the card number was stolen and people were trying to make purchases. I had transferred {$100.00} from my bank account into the prepaid account but once I learned the number was already stolen I requested the money be returned and the account closed. I requested the transfer XX/XX/2021 and never received the money. No one at the company will contact me.
Consumer complaint received 2021-02-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (OR)

I was attempting a refinance with Rocket Mortgage since XX/XX/XXXX. 
They assured me that the loan would be no problem. 
The loan was ready to close in XX/XX/XXXX. 
I called to ask a question. 
A mortgage officer ordered another payoff. 
This triggered a re verification of employment and a new loan subordination. 
Rocket Mortgage would not take my calls, emails, or get on the phone with the second party on my mortgage. I got a major run around. 
I ended up going to a local bank who will close in about 5 days. 
Worst customer service EVER.
Consumer complaint received 2022-01-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Hey KOHLS/CAPONE ; XXXX XXXX XXXX! 

I was shocked when I reviewed my credit report today and found late payment on XX/XX/2021 for 30 days. I'm confused! 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2018-02-18
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. (FL)

XXXX  XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Late Dates : XXXX XXXX PAYING UNDER A PARTIAL PAYMENT AGREEMENT REAL ESTATE MORTGAGE 180 DAYS OR MORE PAST DUE XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Loan Term : 540M 30 Late Dates : XXXX XXXX XXXX LOAN MODIFIED CONVENTIONAL REAL ESTATE LOAN This is the same account reporting multiple times and hurting my score. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX/XXXX/Equifax XXXX XXXX  XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX Dear Sir or Madam/To Whom it may concern, You have listed inaccurate items on my credit file and I need to have them removed as soon as possible. These inaccurate items ( listed below and above ) are affecting my credit score and livelihood. Please delete these immediately. 
Here are the erroneous accounts you have listed. Please delete the following : XXXX XXXX XXXX Accounts : 1. XXXX XXXX Mortgage 2. XXXX XXXX REFI ON HOME LOAN Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. 

I appreciate your time and attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2018-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Late Dates : XXXX XXXX PAYING UNDER A PARTIAL PAYMENT AGREEMENT REAL ESTATE MORTGAGE 180 DAYS OR MORE PAST DUE XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX Loan Term : 540M 30 Late Dates : XXXX XXXX XXXX LOAN MODIFIED CONVENTIONAL REAL ESTATE LOAN This is the same account reporting multiple times and hurting my score. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX/Transunion/XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX Dear Sir or Madam/To Whom it may concern, You have listed inaccurate items on my credit file and I need to have them removed as soon as possible. These inaccurate items ( listed below and above ) are affecting my credit score and livelihood. Please delete these immediately. 
Here are the erroneous accounts you have listed. Please delete the following : XXXX XXXX XXXX Accounts : 1. XXXX XXXX Mortgage 2. XXXX XXXX REFI ON HOME LOAN Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. 

I appreciate your time and attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2021-12-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Exeter Finance, LLC. (TX)

On XX/XX//2021 I submitted a complaint against Exeter Finance ( # XXXX ). I received an answer on XXXX/XXXX/2021, however, it did not satisfy the request sent to this company via cease and desist as well as debt validation. The consumer credit transaction is false and misleading as I was not given the proper disclosures pursuant to 15 USC 1635 which is a violation. As I reviewed the negotiable instrument again, I noticed that my signature is the only signature on the paperwork given to me on XX/XX//2021. ( See attachments ).
Consumer complaint received 2018-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (TX)

Chase credit cards offers various payment options for its credit cards. A cardholder can pay via the US mail using a check, via phone, or on the chase.com site. 

This complaint concerns online payment options and specifically, recurring " Automatic Payments ''.

When a cardholder makes a ONE-TIME payment via chase.com, the options include : a. Pay off your entire statement balance ; b. pay the minimum payment due, or c. pay a different amount which the cardholder then specifies.

However when a cardholder opts for the convenient " AUTOMATIC PAYMENT '' which effectively is a recurring payment, in which Chase drafts the cardholder 's checking account every month on a specified date, the choices are limited to two : a. pay off your entire statement balance ; b. pay the minimum payment due.

Automatic Payments are great for the cardholder who is forgetful or who has an existing balance that he or she wishes to pay down, in a disciplined fashion, in a given period of time. Not infrequently using an automatic, recurring payment, is in association with a balance transfer which the cardholder wishes to pay off fully before the end of the promotional rate period.

Chase is fully aware of this issue and its customer service staff default to, " if you wish to pay a different amount, you can always do a one-time payment. '' I am certain there is nothing illegal with what Chase is doing since they offer alternatives. However I am also certain that the drivers of the lack of a, " pay a different amount '' option on Chase.com 's Automatic Payment is to drive $ XXXX late fees ( to earn something during promotional periods ) and to make it difficult for cardholders to automatically pay off balances during promotional periods, ensuring a balance rollover at the astronomical 29.99 % APR.

Chase has a Slate credit card product which offers some of the longest Balance Transfer promotional periods in the business ( 15 at 0 % APR ) with no balance transfer fee. They know full well how to make money on this product.

I feel they should have to answer to consumers on this matter.

Thanks you, XXXX XXXX
Consumer complaint received 2018-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Onity Group Inc. (FL)

XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  XX/XX/XXXX XXXX I Late Dates : XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX-XX/XX/XXXX PAYING UNDER A PARTIAL PAYMENT AGREEMENT REAL ESTATE MORTGAGE 180 DAYS OR MORE PAST DUE XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX I XXXX XXXX XXXX Loan Term : 540M 30 Late Dates : XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is the same account reporting multiple times and hurting my score. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX/XXXX/XXXX XXXX XXXX Ocwen Loan Servicing, LLC XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Dear Sir or Madam/To Whom it may concern, You have listed inaccurate items on my credit file and I need to have them removed as soon as possible. These inaccurate items ( listed below and above ) are affecting my credit score and livelihood. Please delete these immediately. 
Here are the erroneous accounts you have listed. Please delete the following : XXXX XXXX XXXX Accounts : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. 

I appreciate your time and attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2018-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

XXXX XXXXXXXX XXXX SENT A LETTER TO ME AND EQUIFAX DEMANDIN G THEY REMOVE ALL XXXX XXXXXXXX XXXX XXXX AND XXXX XXXX TRADELINES FROM MY CREDIT REPORT. 

XXXX XXXXXXXX XXXX XXXX NO.XXXX XXXX NO.XXXX & XXXX NO.XXXX
Consumer complaint received 2018-02-14
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Equitable Acceptance Corp (CA)

XXXX XXXX XXXX XXXX in XXXX California told me on XX/XX/XXXX that they could help me Resolve my student loan by a debt forgiveness program. I found out just a few months ago here at the end of XX/XX/XXXX that they went out of business, I soon investigated and found it they did nothing for me, they didn't consolidate my loans, zero time was served, I'm in more debt now than I ever was before and now this company that calls itself Equitable Acceptance from Minnesota, is now taking my money and doing nothing! they told me that they would find another entity to take over the program but when student financial help center had it they did absolutely nothing all they did was put my loan into forgiveness which I could have did myself, now Equitable Acceptance wants money from me every month to do absolutely nothing for me, I've been ripped off and scammed! How do I stop these people I never signed a contract with them I thought I was going through student financial help center, which I found out did absolutely nothing but sell my information to Equitable Acceptance.
Consumer complaint received 2023-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (AZ)

I have a Wayfair XXXX and pay on time or before my due date every month. Recently I was ill - thinking I had paid the CC but did not finish with submit. I was 7 days late but not over 30. They immediately reduced my line of credit by a very large amount and placed it at the amount I owe, making it 100 % max use. I received a letter stating it was because lack of credit history. I have 13 years with great payment and balance. 
I inquired about them to increase it again and received a rejection based on mortgage payments are delinquent - I dont have a mortgage, I paid that in full in 2020. 
So now they have reduced my line making my balance hit 100 % and did a hard inquiry, all to give me false reasons.
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXXXXXX XXXX {$1300.00} XXXX XXXXXXXX {$1200.00} XXXX XXXXXXXX {$1600.00} XXXX XXXX {$510.00}
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX, XXXX, XXXX XXXX, XXXX, XXXX Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Employer : XXXX XXXXXXXX XXXX  Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX
Consumer complaint received 2020-06-03
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America XXXX customer service contaced XX/XX/19 to reissue new card in an account that has {$7500.00} balance. 
Told card would be reissued and to me by XX/XX/19. 

Called XXXX to verify as I'm losing my home and no money to eat to find card wasn't sent even due to a block. 

Told I'd get emergency transfer. A call within 24 hours and no response. Bank of America has had every employee lie and still not giving me access to my XXXX paid to me in my account.
Consumer complaint received 2018-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I have asked for debt validation on my credit report from Equifax. I have requested this many times over the last 5 months and every time it comes back with " verified '' however Equifax never sends me proof of this verified account. I would like this account verified or removed from my report, I would like them to send the proof that they legally have to showing HOW they verified this account, something showing where I have a contract with this debt and a signature or something showing it belonging to me. The account in question on my report is XXXX XXXX. I have sent certified letters on XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX all requesting that I have proof of this debt and every time without proof they have verified it.
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX posting XXXX has not stop reporting XXXX XXXX XXXX XXXX and XXXX XXXX  .multiple times and fraudulently stating XXXX the status statement that accounts were removed when the accounts are still on my credit report for XXXX XXXX is posting that the above accounts are removed But they are not. 
Secondly. XXXX XXXX XXXX has removed current and in good standing account XXXX XXXX I never said remove that good standing account.XXXX XXXX system is missing up my credit status and score XXXX.
Consumer complaint received 2021-09-15
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: MAJR Financial Corp (FL)

To whom it may concern on my XXXX credit profile I did not authorize majr financial XXXX, XXXX XXXX XXXX, XXXX  XXXX, or US SM BUS ADMIN XXXX Authorization to pull my credit profile please remove all inquiries immediately
Consumer complaint received 2020-05-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC. (NV)

Have been called repeatedly by this company non stop for three months and have informed them to do any further communication by mail and to cease phone calls and now being threatened by mark on credit report
Consumer complaint received 2018-02-18
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: Bread Financial Holdings, Inc. (IL)

In XX/XX/XXXX I paid off the balance of {$560.00} on my XXXX XXXX ( XXXX XXXX ) credit card. In XX/XX/XXXX I was charged a finance fee of {$12.00} which was also paid. So, In XX/XX/XXXX I  had a {$0.00} balance on my credit card. In XX/XX/XXXX, after I paid off my balance, I was charged a {$2.00} " minimum fee '' of which I was never notified. I was charged a Late Fee of {$27.00} ( for XXXX ), a Late Fee of {$32.00} in XX/XX/XXXX, along with {$2.00} " minimum charges '' for those Months. Finally in XX/XX/XXXX I received a voicemail from XXXX XXXX stating that I had an account that was past due. Needless to say I was surprised but I went ahead and paid my account balance of {$92.00} on XX/XX/XXXX ( all from a {$2.00} minimum fee ). I made up my mind to close my store card but before I could I received my updated credit report for XXXX. My credit score dropped 47 points! All from this matter with XXXX XXXX. On XX/XX/XXXX I called XXXX XXXX to complain about this matter and hear what this {$2.00} minimum fee was about and all I was able to achieve was a credit of {$32.00} to my account. I have been watching my account closely and there has not been a {$2.00} minimum charge for XXXX, which has been charged the first or second week of the month.
Consumer complaint received 2018-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AL)

I have filed a dispute quite a few times that the state lien on my credit report is not accurate in balance nor does it contain the required information to be reported on my credit report. The CRAs have agreed to remove tax liens from credit reports based on the " XXXX XXXX XXXX XXXX '', part of which includes a new policy to exclude from their credit reports any tax lien or judgment that does not identify the name, address, and at least the date of birth OR the social security number of the consumer. The lien information I have does not have the correct information nor is the balance on my credit report the same.