davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-27
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (CA)

I paid a bill for an XXXX and now the collection agency is telling me that a 'MISSED ' payment was applied to " another account '' so I still owe them money. This is incorrect. They have either stolen a payment or misappropriated a payment. I set up over the phone a series of payments that paid off the entire balance in full. They cashed the first, third, fourth, etc.. payment and are saying that I did n't pay one of the payments. My bank statement documents the deduction to their account but they do n't want to acknowledge this.
Consumer complaint received 2017-03-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (IN)

For several years I have received notices from Convergent Outsourcing Inc . According to the notices the debt is for XXXX. Although I admittedly owed XXXX nearly 14 years ago that debt has been paid. Not only was the debt paid immediately but I was also subjected to a state operated " bad check '' program which required me to pay for a course for unknowingly spending beyond my limit. In total I have paid more than {$250.00} for a less than {$50.00} overdraft when I was XXXX and I am still being harassed. I have explained this information to Convergent in the past but they continue to harass me. I have done research and apparently this company uses tactics to scam unknowing consumers out of money. It 's disgusting that our personal information has somehow fallen into the hands of this fraudulent company.
Consumer complaint received 2016-04-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Trident Asset Management, L.L.C. (TX)

After pulling my credit report I found a report that showed I had a " Return Check '' for {$50.00} to " XXXX XXXX XXXX ''. I wrote the Collection company and the Original creditor : " XXXX XXXX XXXX ''. I heard back from both. 

The collection company, Trident Asset management, LLC, wrote me back stating that they were sending the debt back to the creditor and closing my account. 

I received a call from " XXXX XXXX XXXX '' from a person by the name of XXXX XXXX who called seeking more information. After finding the information she never sent the documentation to me for me to address. How am I suppose to pay a debt owe if the Credit wo n't send me the information?
Consumer complaint received 2016-04-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

I asked for a loan Modification which was finalized XX/XX/XXXX. My mortgage prior to modification was {$140000.00} plus {$60000.00} added to the back of the mortgage. This {$6000.00} was for taxes and insurance that XXXX XXXX had erroneously paid on my behalf. When the error was realized thy wanted to increase my mortgage from $ 906 monthly to $ XXXX+ then was told it was {$1800.00} +. I stopped paying as I could not afford this sharp increase. Servicing of my loan was transferred to Select Portfolio. A modificaton was done with a 2 % interest decrease. My home was appraised for {$45000.00} in XX/XX/XXXX and {$71000.00} XX/XX/XXXX. My mortgage now stands at {$210000.00}. Taxes and insurance are now included and payments mostly covers interest with less than {$100.00} going towards principal. At this rate I will never own this house. I need some relief like Principal reduction.
Consumer complaint received 2024-01-24
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: Experian Information Solutions Inc. (FL)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX
Consumer complaint received 2022-02-09
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: JPMORGAN CHASE & CO. (TN)

Im not sure at this time but let 's call it 15 years ago. My credit card info got stolen. Alot of charges took place on my name. Fast forward now my paychecks are garnished XXXX per week. I cant live on whats left. Not after since the pandemic. Im just starting to catch up now this happens. Im ruinined.
Consumer complaint received 2022-09-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

In accordance with the FCRA Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. 
This ground for removal they also violated my rights under below mentioned sections : 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 also states a consumer reporting agency can not furnish an account without my written instructions. 

Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-04-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: SUNRISE CREDIT SERVICES, INC (GA)

Today I received a credit alert stating a new collection account was added to my XXXX credit report. First of all I never received a debt verification letter from this company. Only from my credit monitoring I find out that this is for a cell phone that were returned and that these charges are fraudulent. 
This company never sent me anything regarding this fraudulent account. They are required BY LAW to send me a letter allowing me to dispute this and request verification. THIS WAS NEVER RECEIVED. this company does not abide by the FDCPA.
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Capital Eleven Auto, LLC dba Capital Auto Loan (CA)

I was in a car accident XX/XX/2021 my car was totaled in the accident and my insurance was going to pay them off so I called them the day I was hit and told them I wasnt going to pay my bill because I was just in a wreck nd insurance was going to pay for it. They said thats fine and the car was paid off in full by my insurance in XXXX and now there saying I missed a payment when they knew exactly what was goin on and they said it was no problem now it shows I have a missed payment I never missed a payment the insurance company paid it off. Why would I make a payment when they said they were in the process of paying it off that doesnt make sense. Capital one was a nightmare to work with and I feel like this is them coming after me
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. Kindly investigate my claim in accordance with the Fair Credit Reporting Act.I request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2015-05-12
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Creditor Claims of America, Inc. (MD)

I had my XXXX around XXXX 2012. I was sent to XXXX for my XXXX. After my results were sent to my doctor, she insisted I came in to see her. When I got there, she told me I was fine and should continue with my vitamins. The next thing I saw was a bill for coming in to hear the results for my XXXX. Note that I had already fully paid for my XXXX This is information that she could have told me over the phone, by mail, email or even put on my online account with her Practice. I have explained to the Doctor 's Practice ( XXXX XXXX 's XXXX ) that I dispute this bill and that they were free to take me to court if they felt otherwise. Instead they have continued to harass me with invoices and through a collection agency called Creditor Claims of America , Inc. I have advised this agency in writing and through phone calls that this debt is disputed but they continue to harass me.
Consumer complaint received 2022-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (MD)

I'm trying to use the insurance feature on the card for delayed baggage and flight cancellation. It is my belief that I've brought them all of the documents they've asked for, but Chase keeps coming up with more hurdles while failing to alert me that they want more documents. It's as if they do not want to make good on their card features.
Consumer complaint received 2021-05-21
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. (GA)

There are discrepancies on my personal credit report ( s ) that are in violation of my consumer rights. Please permanently delete and block the below account and inquiries from my XXXX EQUIFAX, and XXXX credit report ( s ). These inquiries are fraudulent and unverifiable. 

ACCOUNT : PERSONIFY Opened XX/XX/2019 INQUIRIES : XXXX XXXX XXXX XXXX XXXX NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These account ( s ) and inquiries are unverifiable, fraudulent, and are in violation of my consumer rights. Requesting to permanently remove these accounts and inquiries.
Consumer complaint received 2016-09-23
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (TX)

My XXXX sign-up bonus for the American Express Platinum card was clawed back by AMEX. I meet the spending requirement within 3 months of my card opening, and I do n't know why AMEX are doing like this. It 's not a good way to do business. There 's no official letter to notice me. They just clawed my sign-up points.
Consumer complaint received 2016-03-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Progressive Financial Services, Inc. (NV)

This company was contacted by me with an attempt to pay this debt, however upon further review this account is not mine. I have been a victim of identity theft. this item needs to be removed from my credit at once.
Consumer complaint received 2022-02-09
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)

XXXX XXXX XXXX continues with their systemic institutional XXXX XXXX XXXXXXXX inequality procedures in improperly ordering a unauthorized hard credit report inquiry on my credit reports WITHOUT my signed authorization. Per the F.C.R.A. either have them provide a signed authorized credit application document with my authorized signature, or IMMEDIATELY remove the erroneous inaccurate hard inquiry from my credit reports.
Consumer complaint received 2016-10-11
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (GA)

When I signed up for the American Express Premier Rewards card, I was offered XXXX membership rewards points for a spending of {$2000.00} in eligible purchases within the first 3 months of the account opening which should be before XXXX/XXXX/2016. 
I completed the spending requirement of {$2000.00} in eligible purchases on XXXX/XXXX/2016 but I still have n't received my bonus offer points. After chatting with an American Express representative named XXXX through the American express online chat on XXXX/XXXX/2016, XXXX at first told me that I did not meet the {$2000.00} requirement. But after he and I went through all the transactions, he confirmed that I made over {$2000.00} in spending of eligible purchases.
Consumer complaint received 2017-04-01
Product: Prepaid card — Other special purpose card
Issue: Fees — 
Company: AMERICAN EXPRESS COMPANY (OH)

I received a {$50.00} American Express Prepaid Reward card as a rebate for a purchase in XX/XX/2015. Upon receiving the card, I noted an expiration date of XX/XX/XXXX and have carried it in my wallet ever since. When I went to use the card today, I was shocked to learn that there was only {$2.00} available on the card. 

I have since carefully reviewed the back of the card, which includes the following text : " FUNDS EXPIRE ON THE DATE PRINTED ON THE FRONT OF THE CARD. SUBJECT TO APPLICABLE LAW, A {$3.00} MONTHLY FEE WILL BE ASSESSED AGAINST CARD BALANCE STARTING 7 MONTHS AFTER CARD ISSUANCE. '' In my case, these fees added up to {$48.00}. 

I am disappointed that American Express has taken away 96 % of my rebate amount, when the front of the card indicates the funds do not expire for four more years and there is no asterisk, footnote, or other disclaimer on the front of the card that would cause a consumer to inquire about further restrictions or limitations. Had I not used the card today, the funds would have been entirely depleted next month. Thus, at the very least, the expiration date on the front of the card should read XX/XX/XXXX. 

Furthermore, American Express is certainly aware of whether it will charge such fees " under applicable law, '' while the average consumer is not. In fairness, it would be helpful for American Express to include a web address after this disclosure, pointing cardholders to a page on their website providing more specific information about the fees it assesses for its prepaid cards in each state.
Consumer complaint received 2023-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (FL)

I had a fraudulent charge of {$330.00} from a shady XXXX  in XXXX. I submitted numerous disputes through Citi 's customer service. They repeatedly agreed to refund my money but I never saw a XXXX. The most I got was a letter in the mail simply saying their investigation was resolved and they sided with the fraudsters. Mind you, this was a XXXX who just got their credit card machine, swiped behind a glass bullet proof counter, illegally sold counterfeit cigarettes, and broke every rule in the book during Covid. And Citi enables them to rip you off!
Consumer complaint received 2021-01-26
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. (IL)

The companies in this complaint are continuing to report fraudulent information on my credit report. I told them my identity was stolen. They still are ignoring me and reporting the fraudulent information on my credit report I sent them multiple letters explaining the issue. They claim they are verifying the information, but how can verify something fraudulent??? Then they said I didn't provide no information on the accounts such as account names and numbers. How? We'll once again im uploading my letters I sent directly to XXXX containing all the information they said I didn't provide, such as account names and numbers. I sent these letters to the companies as well along with my police report and they still to continue to break the law and report fraud on my reports.
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (DC)

I am a XXXX XXXX XXXX. I must have a credit report to submit to the state governing agency before I can obtain my renewal license. I have retrieved my credit report on several occasions utilizing the free annual credit portal. I have not changed any information at all. Yet, the three credit reporting companies will not allow me to access my reports online. I have to wait as long as 2 weeks before receiving it in the mail. This is untenable as I need it now. I can not practice XXXX  without a XXXX XXXX XXXX. 

Their actions will have a devastating monetary effect on me. 

XXXX has promoted inaccurate information on an heir property where my name appears as an administrator as my home address, which has never been my place of abode. In other situations, as a Realtor, I have served as a fiduciary for my clients and was required to have my information along with my company registered as the point of contact. No matter how much I have attempted to have the companies recognize my address I have used for several years they refuse to do so. I believe there exists a XXXX and XXXX nuance as to why these companies have created a problem for me on my reports. They can not conceive how I am affiliated with several addresses which I have absolutely never connected with my personal affairs. 

I have tried to get that corrected to no avail. Additionally, XXXX XXXX is reporting a delinquent account to XXXX XXXX, which is untrue. I have tried to get it corrected on many occasions and can not. I have a 100 % payment record with no delinquencies.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX {$280.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$0.00}
Consumer complaint received 2022-02-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

I sold products to a client in XXXX. A few hours after PayPal accepted the clients money, they sent me a mail stating that they are closing my account and they have seized my funds. I asked them to return the funds to several clients who had paid on the same day since it would be unfair to deliver these items if I would not be paid for them. 

On the XXXX XX/XX/2022, one of those clients wrote to me and informed me that according to PayPal, I had lodged an appeal to not return the money. 

I told the client that I would never do such a thing, and that it must be a mistake. A few hours later, I received a mail from Paypal which referred to " my appeal ''. Within the same minute, I received another email from PayPal stating that my appeal was rejected and they then took a rejection fee from my account and charged me for the refund. 

This is clearly fraud. I made no such statement. I wrote to the customer support, and they replied with an incoherent and unrelated " copy and paste '' response. 

I made contact with XXXX XXXX ( XXXX ) and XXXX XXXX, XXXX ( XXXX ) on several occasions, but they have ignored my email.
Consumer complaint received 2016-04-05
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (NY)

I applied for American Express Delta Gold Skymiles card ( account number : XXXX XXXX XXXX ) back in XXXX XXXX, when it had a promotional offer of XXXX Delta miles + {$50.00} statement credit towards Delta flight after spending {$2000.00} in 3 months. I was about to book a ticket on Delta and called before application to make sure I was eligible for the offer ( which was confirmed by Amex phone representative, but original agent said {$1000.00} spending was required ). Subsequently, I called after approval to double check the terms and was told I need to spend {$2000.00} to be eligible for the bonus. A bit strange that spending requirement changed, but OK. However, even after I spent {$2000.00} and waited several months, my account was not credited with XXXX Delta miles. I spoke with another Amex representatives via online chat function who said they will investigate the issue, but have n't heard back since. 

I finally just spoke with yet another Amex representative ( XXXX XXXX, XXXX ) and I was informed that my account is ineligible for the sign up offer because I had a similar product several years ago and now all personal Amex credit cards have once in a lifetime signup bonuses. 

I repeat that before I applied for the card and while I was satisfying spending requirements I was told multiple times I am eligible for the sign up bonus. I feel Amex was intentionally deceptive and outright misleading false advertising to make me spend the required amount ( {$2000.00} ). 

I request Amex credits my account with XXXX Delta miles are per sign up offer. There were multiple opportunities to notify me that I 'm ineligible for the sign up offer when I was inquiring about it a ) before I signed up b ) during the call to double check spending requirements. 

I conservatively value XXXX Delta mile at XXXX cents, so XXXX miles is {$1000.00}. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-02-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (MA)

HFC Beneficial Acct. # XXXX -- On XX/XX/2017 my mortgage was purchased by XXXX XXXX XXXX XXXX from HFC Benefcial. I had already scheduled my mortgage payment to HFC for XX/XX/XXXX and was unable to cancel it. I contacted HFC directly and they assured me the payment would be forwarded to XXXX. XXXX New Acct # : XXXX. 
It has now been over 14 days and my payment has not been credited. I want this straightened out. I have called numerous times and nobody is helping.