davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-27
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AMERICAN EXPRESS COMPANY (DC)

I received an email offer from American Express to receive XXXX Membership Rewards points if I opened a savings account and deposited {$25000.00} by XX/XX/2020 and held those funds in your account through XX/XX/2020. The advertisement encouraged me to be looking ahead to the future and the timing was great because I was going to be buying my first home soon and needed to keep the down payment money in cash somewhere until then. 

The terms and conditions stated that the XXXX Membership Rewards points would be deposited within 8 to 12 weeks after the conditions of the offer were met. After twelve weeks, I called American Express National Bank who told me that some of the Membership Rewards points had not posted for folks due to a computer error and to give them a few more weeks. 

When I called back on XX/XX/XXXX, a representative from American Express National Bank stated that it appeared that I had met all of the terms and conditions and that she did not know why I hadn't received my points, but that American Express Bank was not the group that actually posted Membership Rewards points to accounts. She stated she would " open a case. '' Now, nearly a month later, it seems clear that American Express National Bank has insufficient policies and procedures to actually pay out this bonus.

Since American Express failed to pay out the bonus in the timeframe provided, this appears to me to be a violation of 12 CFR 1030.8 and and deceptive act or practice under the Unfair, Deceptive, or Abusive Act or Practices ( UDAAP ) framework.
Consumer complaint received 2019-05-17
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: Nelnet, Inc. (MI)

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and XXXX XXXX XXXX with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2018-02-21
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. (CA)

I have been a victim of credit fraud. I have requested under FDRC act to obtain proof that I gave authorization for credit inquiries. The customer rep did declined to help me. Ive 3 different written letters to all three bureaus re : 16 inquires on my reports and nothing have been done. Ive called. Nothing. Help
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (VA)

I am writing to formally dispute a number of errors, discrepancies, and unfamiliar accounts that have recently surfaced on my credit report. Upon a thorough review of the information provided by your agency, I have identified several inaccuracies that require immediate attention.
Consumer complaint received 2021-08-08
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. (NC)

XXXX XXXX  XXXX card shows 30 days late XXXX and XX/XX/2019. During time didnt have account with them tried numerous times to get them to fix credit report. Please remove late payments from credit report
Consumer complaint received 2024-02-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (FL)

Hi. I work part time for an entertainment company in XXXX ( XXXX XXXX ) She has been in business for XXXX  years. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I XXXX  for her. Last year she paid me through Cash App. I didnt transfer sooner to my bank account because I was going to use this money to help my mom with her XXXX XXXX XXXX. 
The XXXX was this month so I tried to withdrawals my funds {$3500.00} to my bank account. To find out the Cash App is withholding my money. I have called many times costumer service, they keep on telling me to wait for an email. I finally got the email and it has a lot about violations and doing things against policy. I have no idea what are they talking about. They asked XXXX if the wedding was in XXXX? No the weddings are in XXXX. My boss add messages to the payments like : XXXX wedding, XXXX  wedding, XXXX  wedding.. etc. So we know what wedding she is paying us. The weddings are in Florida mostly XXXX. 
Anyways I need the money. We had to postponed my moms XXXX to lack of funds. I do not know a lawyer. I am stressed and sad. I cant sleep. They dont care. They dont answer. I can send my W2 or copy of my passport whatever is needed. This is all my hard work and cash app is stealing my money. Please help me
Consumer complaint received 2021-02-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (ID)

On XX/XX/XXXX, I locked in an interest rate on a mortgage refinance with Loandepot. 

On XX/XX/XXXX, I received an email from Loandepot stating that my loan had been approved and asking for recent statements. I provided the requested statements the next day ( XX/XX/XXXX ). 

On XX/XX/XXXX, an appraisal report was delivered to Loandepot. 

On XX/XX/XXXX, additional bank statements were requested. I provided the statements to Loandepot the same day. 

On XX/XX/XXXX, Loandepot informed me that my loan was sent in for final approval and that a response would take 2 - 3 days. 

On XX/XX/XXXX, Loandepot informed me that my closing disclosure was ready. I reviewed the disclosure and found it to be inaccurate. I requested a corrected closing disclosure. After numerous requests for a corrected closing disclosure Loandepot has yet to provide one ( today 's date is XX/XX/XXXX ). 

On XX/XX/XXXX, Loandepot scheduled the closing signing for Friday, XX/XX/XXXX, at XXXX XXXX, at my home address. 

On XX/XX/XXXX, prior to XXXX XXXX, I was contacted by the mobile notary contracted by Loandepot and informed that she had not received the closing documents. I contacted Loandepot and was not offered an explanation. Loandepot did not provide the closing documents to the mobile notary. 

On XX/XX/XXXX, Loandepot contacted me to schedule the signing of the closing documents a second time. We discussed scheduling the signing for XX/XX/XXXX, at XXXX XXXX., at an address in Arizona ( due to travel plans, Loandepot agreed to schedule the signing at the Arizona location ). Loandepot never followed-up and never scheduled the signing. 

After numerous phone calls to Loandepot between XX/XX/XXXX and XX/XX/XXXX, and with several promises by Loandepot customer service to have someone contact me to schedule a document closing, I finally spoke with XXXX XXXX, Sr. Account Manager with Loandepot XXXX XXXX XXXX assured me that she would provide me with a corrected closing disclosure by close of business Friday, XX/XX/XXXX, and agreed to schedule the closing for Tuesday, XX/XX/XXXX. 

As of today, XX/XX/XXXX, I have not received a corrected closing disclosure or a confirmation of the closing schedule. 

Additional information : as early as XX/XX/XXXX, my current mortgage holder indicated that Loandepot had, via business to business transaction, assumed management of my mortgage. This, despite the fact that I have not signed any closing documents.
Consumer complaint received 2020-07-15
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. (MI)

On XX/XX/2020 I sent a request via certified mail to Experian Credit Reporting Agency exercising my rights under the Fair Credit Reporting Act, Section 609 to see the original contracts that contains my signature for several accounts listed on my consumer report. To verify my identity I included with this request a copy of my birth certificate, social security card, driver 's license, a recent w-2 form, a recent cell phone bill along with the report with the debts circled and highlighted. I was notified that they were investigating and the results were simply that they " verified '' the information. The original contracts with my signatures were never produced. On XX/XX/2020 I followed up and sent another request for the original contracts for the same debts that contain my signatures. Again I was told that Experian " verified '' the information. The request to see the original contracts with my signatures were denied. I sent the request to Experian for the original contracts that contain my signatures again via certified mail for the same debts being reported on XX/XX/2020 and XX/XX/2020. Again, I was told the debts were verified. Again, I was denied copies of the original contracts containing my signatures.
Consumer complaint received 2018-06-13
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: PORTFOLIO RECOVERY ASSOCIATES INC (OR)

Have tried several times to have this removed from my XXXX credit file with no success.This is not my account.i have two credit cards with XXXX XXXX both in excellent standing like all my credit.This account does not belong to me.If there was an account opened in my name i am not aware of it.and is fraud.I am seeking a home loan and need this removed or i will be forced to seek legal action for damages that this fraud account has caused me.
Consumer complaint received 2018-06-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Aurora Financial, LLC (FL)

I left a review of what I felt was a true and accurate statement of the sequence of events that led me to dissatisfied with their service. The company then posts a reply ( retaliates ) on XXXX that shares my personal financial information about my DTI, the fact that I have a car debt and says that my review is dishonest.

My review : I hate writing bad reviews, but integrity means doing what you say you will do. This lender has given me concern about theirs. I was given a proposal in the middle of the day for 15 % down. All the details were provided on the property and income. I rushed to get the contract signed in order to lock in the rate because of the downward trend in rates of late. After submitting the contract, they found they made a calculation error on the ratios and removed a {$500.00} credit for 15 % down with evidence of mitigating factors. I pushed back and when they came back, they took away the 15 % option altogether and offered to only lock a 10 % or 20 % down. I asked, so you're taking the 15 % off the table? Naturally, the agent was embarrassed by what he was told and said he would call me back when he got it figured out. I again expressed my concern about rates and NOT waiting until the next business day. I was polite the whole time and after all that, he had the nerve to email me the bad news, saying that the 15 % option was off the table. He went dark and has been unavailable by email or phone. It's now almost XXXX ET and he still hasn't followed-up.

Their followup : Aurora Financial Loan Denied : Client wanted a 15 % down payment loan. His Debt to Income ratio was 48 %. DTIs must stay under 45 %. Client was advised 2 days ago to pay off a car loan and we could proceed at 10 % down. His DTI would be under 42 %. Client didn't like that option. Our Compliance Department has verified emails and phone records to prove client was fully engaged and was presented this option. This review is dishonest.
Consumer complaint received 2018-06-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (MA)

Collection agency name is XXXX XXXX for amount {$400.00}. I sent collection agency a debt validation and they have not responded and reported to XXXX report. Once again this does not belong to me.
Consumer complaint received 2018-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

I messaged Toyota XX/XX/XXXX advising them that I had a XXXX baby and due to unexpected financial expenses and out of pocket medical cost that arose due to this XXXX birth I was going to be late on my payment. The message follows : Hello, I will be submitting a XXXX XXXX dollar payment XX/XX/XXXX. I will be submitting an additional XXXX XX/XX/XXXX. This will cover XX/XX/XXXX payment and XXXX of XX/XX/XXXXpayment with the following XXXX to complete XX/XX/XXXXpayment to be paid XX/XX/XXXX. I have fallen behind because I had a XXXX baby born XX/XX/XXXX and had many out of pocket expenses that I needed to cover after the ordeal. '' I reached out to them again via the secured portal XX/XX/XXXX and they advised me to send all correspondences to XXXX XXXX, IA. There was nothing resolved in my request at this time either. I followed up with a certified letter XX/XX/XXXX, asking that these late fees be waived and again still nothing. I spoke with XXXX an agent at Toyota XX/XX/XXXX and she advised me to dispute with the credit bureaus. That was done and the bureaus directed me back to Toyota who provides the info. 

I am asking for the payments reflecting late XX/XX/XXXX and XX/XX/XXXX to be waived and updated. Thanks!
Consumer complaint received 2018-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (DC)

My account is frozen by Wells Fargo. They will not allow me to remove my money and close the account. The custodian over my account died XX/XX/2017. My daughter has been appointed the new federal fiduciary for my VA compensation. They have refused to release the funds in the account to me or my daughter. I am a older person and need help in this situation. I have asked my daughter and son to help me and so far no one cooperated with them either. The freezing of this account has caused a financial hardship. I have had to borrow money when I should no have to because I have money in that account. But my creditors do not care about that they want their money, property or product. Please helpme. I and my children have tried everything in our power. My son even emailed a death notice from the XXXX XXXX. Because Wells Fargo is requirng that I submit a death certificate for the former federal fiduciary. Inspite of the fact he is not a family member and I did not have a personal relationship with him.
Consumer complaint received 2017-12-06
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. (NC)

my transunion credit report file had a security freeze and fraud alert placed on it. On XXXX/XXXX/2017 XXXX XXXX XXXXXXXX accessed my file without consent. Not sure how or why an inquiry took place on my credit report, this is unauthorized and fraudulent, please remove.
Consumer complaint received 2020-10-12
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: ERC (VA)

I was recently contacted by Enhanced Recovery Company regarding an alleged debt. Not only did the alleged debt have the wrong name but Enhanced Recovery violated several of my rights outlined under the FDCPA. I have enclosed proof of this along with a photo idea proof of my receipt where I contacted them directly via certified mail with tracking. Below is a list of violations by Enhanced Recovery Company Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Enhanced Recovery Company is in violation of 15 USC 1692b ( 5 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Enhanced Recovery Company is in violation of 15 usc 1692b ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Enhanced Recovery Company is in violation of 1692g ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Enhanced Recovery Company is in violation of 1692e ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Enhanced Recovery Company is in violation of 1692g ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Enhanced Recovery Company is in violation of 1692c ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Enhanced Recovery Company is in violation of 1692g ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Enhanced Recovery Company is in violation of 1692b ( 9 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Enhanced Recovery Company is in violation of 1692b ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Enhanced Recovery Company is in violation of 1692b ( 5 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Enhanced Recovery Company is in violation of 1692b ( 5 ) Exhibit A is Attached Below
Consumer complaint received 2018-02-21
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. (NY)

This is related to the earlier ticket XXXX. 

I asked them to just use one name " XXXX XXXX '' and remove the other one " XXXX XXXX. And their response was " We reviewed your complaint and apologize for any difficulty you may have experienced. We deleted the other name XXXX XXXX, per your request from the credit report. '' They made a mistake. 

I also asked them to explain what it means by " reported '' for each of the three other information types ( i.e. addresses, telephone numbers, and employment data ). Their response was " Please be advised, the date reported are reported by you creditors when they have verified the personal identifying information. '' This is off the point, incomplete, and inadequate.
Consumer complaint received 2018-02-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Nicholas Financial Inc. (FL)

Creditor is reporting incorrect information and balance on all three credit reports. Balance after repossession is inadequate. I never got a receipt telling me for how much they have sold the car. Only got my balance increased and reported incorrect.
Consumer complaint received 2018-02-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (LA)

JPMorgan Chase keeps sending bogus letters with no information on them. They say they are working on the issue. I don't know what issue they are talking about since I have not contacted them. They assign a different executive specialist ever time. I called XXXX XXXX close to twenty times today. The executive specialist never answer their phone.
Consumer complaint received 2018-02-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Equitable Acceptance Corp (NJ)

I was contacted by Equitable Acceptance inXX/XX/XXXXXX/XX/2017. They told me that I may be able to qualify for student loan forgiveness plans. They explained to me what that was. That depending on my income, which they eventually received and some other information, they told me that my payments would be {$15.00} a month for 25 years. After the 25 years the remaining balance would be forgiven. They also informed me that these programs that were put in place by the Obama administration were going to be removed by President Trump.  They also informed me of their monthly fee of {$39.00} for 33 months, which totaled {$1300.00} financed. A couple weeks later I contacted the government and they informed me that I actually had no payment due and that such things they told me were untrue. I called Equitable Acceptance right away and they said someone would contact me, they did, and they said they would listen to the audios and get back to me. But no one has.
Consumer complaint received 2021-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I have a collection on my account for XXXX XXXX for XXXX {$120.00}. It isn't mine, but Transunion said they verified it. However, they didn't because there is no way they were able to do that in the 2 hours it took them to close my dispute. The collection agency wasn't able to provide me documentation as it wasn't mine. I use XXXX not XXXX. 

My identity was stolen years ago and I have previously provided them the police report. Occasionally things appear on my report that aren't mine. This is one of them.
Consumer complaint received 2018-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Account Date Open XXXX SERVICES XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Whenever a third party accesses your credit report, a notation referencing that action termed an " inquiry '' is made on your credit report. Unfortunately, the presence of inquiries may negatively impact your credit score. The more inquiries present, the faster your credit score may drop. 
Close XXXX XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2017  XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX via XXXX XX/XX/2017 XXXX XXXX   XXXX via XXXXXX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX XXXX   XXXX XXXX via XXXX XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XX/XX/2017
Consumer complaint received 2020-10-12
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. (WI)

XXXX XXXX Original creditor : XXXX {$330.00} I recently reviewed my credit report and noticed a fraudulent medical bill on my account. I filed an ftc report, police report and sent this information to the original creditor and credit bureaus. Nothing was done. I also notice unauthorized inquiries on my report from XXXX XXXX XXXX.