davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: First Texas Auto Credit, Inc. (TX)

XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX- XXXX ( XXXX ) XXXX See an error? 
Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Automotive ( XXXX ) XXXX FIRST TEXAS AUTO CREDIT Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX  ( XXXX ) XXXX
Consumer complaint received 2016-04-03
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

XXXX is reporting negatve information on my credit report & I 've asked them to pleas eprovide verification that this account belongs to me. They ignored every request sent submitted. I first disputed the account with all XXXX credit reporting agencies. They reported it verified. I then sent requests in directly to them & they have ignored all my requests. The last letter submitted was dated XXXX/XXXX/2016. At this point this company is violating the FDCPA & FCRA. I would like the information removed immediately.
Consumer complaint received 2016-02-15
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (NC)

I have a Sears MasterCard and have had it for many years now. Late last year they emailed me a promotion to earn 10x my normal Choice Reward points by clicking the sign-up button, which I did. Each month immediately after the billing cycle ended I would get 10 times my normal points based on how much I had charged during that cycle. These points were available for gift cards, etc and worked fine up until the last month. This promotion went until XXXX XXXX. When my billing cycle ended on XXXX XXXX, I only saw the regular points posted and not the 10x the points. I called Sears and they told me they saw the issue and needed to investigate further and would call me within 7 days. I heard nothing so I called back in after the 7 days were up. I was told they were still investigating. Well it 's been several weeks and still no sign of the missing points and no communication from Sears.
Consumer complaint received 2024-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (FL)

Unreasonable Blockage of Online Account Access I am writing to express my extreme dissatisfaction with the recent blocking of my Citibank online account access On XX/XX/year>, I was unable to log in to my account and received a message stating it was blocked. 

This unexpected blockage is highly concerning, especially since I was not provided with any explanation for the action. I have been a loyal Citibank customer for 5 years and have never engaged in any activity that would violate your terms of service. 

The lack of access to my online account is causing significant inconvenience. I rely on my online banking topay bills, transfer funds, monitor account activity. This blockage is hindering my ability to manage my finances effectively. 

I demand immediate action to resolve this issue. I request that you investigate the reason for blocking my account and unblock it as soon as possible. Additionally, I would appreciate a clear explanation for this disruption.
Consumer complaint received 2017-03-08
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (NY)

American Express charged me for Premium Car Rental Protection- {$24.00}. I never signed up. I know these products are a complete rip off. When I called to inquire, I was told I signed up in 2013 under a different card number. They refused to remove the charge. I 've never been charged before. Clearly the company changed my preferences and add it by default.
Consumer complaint received 2017-05-20
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CO)

Around early  XXXX  I applied for a loan modification and on  XXXX   XXXX ,  2017 ,  Ocwen  sent an inspector to  XXXX   XXXX   XXXX ,  XXXX ,   XXXX    XXXX , which they knew to be occupied by a tenant because I sent and they acknowledged possession of the rental lease for  XXXX   XXXX   XXXX ,  XXXX ,   XXXX    XXXX . They falsely informed the renter that the property is in foreclosure and attempted to change the locks. I called them and their manager "  XXXX , '' without accessing my case file, told me that the tenant and property  manager may  just have misunderstand what the inspector said. Clearly this is an automatic response for such actions.   The tenant is understandably extremely upset and if the loan modification application is not viable, they have deprived me of the opportunity of simply give the tenant ordinary notice. Their callous actions and refusal to accept any responsibility or to state that they will stop their actions show a complete lack of concern for the people affected by this situation. If they are doing this to me, they are doing this to others as well. The home is not even in foreclosure status.  Ocwen  's solution was that I send an inquiry to their research department which I have done.
Consumer complaint received 2024-02-28
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY (OH)

I have two AMEX prepaid gift cards. XXXX ( {$100.00} ) was given to me XXXX of XXXX. 
The other was given to me XXXX of XXXX ( also {$100.00} ). I was able to use most of the XXXX card but then ran into problems with any business accepting it. When I try to check balance on AMEX website, it doesn't accept my card information because they ask for a four digit pin and my cards have three digit pins. I called AMEX today ( XX/XX/XXXX ), started speaking to a person and as soon as I started giving the card number they immediately transferred me ( didn't give me time to question ) and put me back into automated system that asks for information my cards don't have. I don't understand why it is so hard to find card balance, why AMEX website doesn't accept my card information and why a phone call didn't get me the information I needed. It seems AMEX doesn't want people to use full value of cards and doesn't offer real customer service to help with the use of their cards. Any help letting the company know how un-customer friendly they are is appreciated!
Consumer complaint received 2022-09-06
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. (MO)

I ordered a copy of my report in XXXX on XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the listed accounts which i believe were reporting in error. 


XXXXXXXX XXXX  XXXX Balance : {$6900.00} XXXX XXXX XXXX XXXX Balance : {$510.00}
Consumer complaint received 2022-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Hello, My name is XXXX XXXX. I am writing this dispute because of fraud activities. I have attached the documents, as well as my license and proof of address. It has been over 60 days and I still have not heard back from these agencies about the letters that i sent in. They are taking advantage of me as a consumer. Please remove these fraudulent, incomplete, and inaccurate accounts.
Consumer complaint received 2016-10-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: EVERBANK, NATIONAL ASSOCIATION (CA)

EVERBANK IS WRONGFULLY REPORTING A 30 DAY LATE TO MY CREDIT REPORT. In may we have called in to provide our banking info for Everbank to process the payment. However, that information was inputed INCORRRECTLY BY YOUR REPRESENTATIVE ... which has cause a 30 day late negative reported on my credit report.
Consumer complaint received 2022-09-06
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. (NY)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$8200.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-02-13
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: OPORTUN FINANCIAL CORPORATION (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ) XXXX THIS COMPANY OBTAINED MY SOCIAL SECURITY NUMBER WITHOUT MY PERMISSION
Consumer complaint received 2022-02-13
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. (GA)

Since XX/XX/2021, I reported identity theft fraud of the XXXX XXXX ACCT to the following credit bureaus : XXXX Transunion XXXX After reporting the information, I contacted each of the bureaus via mail with a personal and detail letter stating the fraudulent information. This account has been CLOSED and is STILL on my credit even though I am UNAWARE of the balance or creditor information. I reached out to each of them by phone and requested that the information be REMOVED IMMEDIATELY. I am NOT aware of the information and have never known of the information before. I later received a response that the information had not been updated or changed and that the account would remain on my report due to the information provided from the creditor. 

I am still requesting for the information to be REMOVED IMMEDIATELY.
Consumer complaint received 2016-09-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: HEARTLAND PAYMENT SYSTEMS INC (WA)

My loan was transferred from University of XXXX to Heartland ECSI last month. I had my account set up on autopay and noticed it did n't get withdrawn. I received a letter from Heartland ECSI informing me that they had taken over the servicing on my loan. The next day I received a statement from Heartland informing me that my account was past due. I went on to their website which was very difficult for me to navigate and scheduled a payment. They took the payment and then returned it stating it was NSF. I contacted my bank who informed that there was no issue with the bank account. 
Heartland then assesed me a {$25.00} late fee on my account. Worried about my perfect payment history I logged back in and scheduled a one time payment today, XX/XX/2016, including the late fee. When I went to submit my payment they also charged me a {$5.00} " convenience fee. '' I feel that they messed up in the time they took to notify me of the transfer of my account and it is having a derogatory impact on my financial well being. Ive always made my student loan payments on time and due to the Heartlands incompetent system I am now being penalized.
Consumer complaint received 2016-12-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: ENCORE CAPITAL GROUP INC. (NJ)

I have an outstanding payday loan, I am being told to a company by the name of midland. I 'm not familiar with the debt. they have threatened to come to my home and job to arrest me. Please help, I honestly do not know what this is about. Their tel # XXXX
Consumer complaint received 2016-04-08
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (NY)

I signed up for the American Express " Amex Everyday '' credit card under the promotional offer of " Spend {$2000.00} within 90 days and receive XXXX Membership Rewards Points '' The sign up date was approximate XXXX XXXX. I have met the requirements of the promotion during XXXX XXXX, but the Membership Rewards Points never posted to my account. 

American Express claims to have looked into the issue. I am getting conflicting answers every time I call the contact center. Some agents tell me that the offer will post to my account within a few days ; other agents say there is no such offer associated with my account. 

I believe this is a bait-and-switch situation, in which I was lured in my an offer that American Express never intended on rewarding.
Consumer complaint received 2016-07-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: ENCORE CAPITAL GROUP INC. (PA)

I was contacted today ( XXXX/XXXX/16 ) at XXXX by Midland Credit Management from XXXX and was given the name XXXX as the representatives name. I immediately knew the reason for being contact because six month prior to today, I agreed to have funds taken out of my checking account and was told that I 'd be contacted to reconfirm the recurring payment. Today the representative XXXX refused to allow me to continue making my current payment and demanded that I increase my payment. She told me if I do not make an increase in payment that my account would given to someone else and that she would not be able to help me anymore. This was an attempt to scare me making payments that are outside of my current capabilities. I explained to her that is would be ok if my account went to someone else because the payment that I 'm making is all I can do. I also asked why they were unable to take my payments any long and was told because I need to increase the amount and the rep. continued to demand more money from me. I do not see how that is fair when I am in agreement that I owe the debt and I am making an attempt to pay it and it was flat out refused.
Consumer complaint received 2015-08-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The CBE Group, Inc. (VA)

I had a utility bill that was sold to XXXX XXXX XXXX XXXX - I paid this back on XXXX/XXXX/2015. I went to apply for a mortgage loan and found out that now CBE group is trying to collect on this. I provided them all the documents and called and asked them to remove this account because it was not my fault. They said NO - we will update this to Closed. How can they report something let alone try to collect on something that I already paid to another collection agency. This is now stopping me from getting my home loan. I am prepared to file a legal suit against them if I have to. I just want the account removed off my credit.
Consumer complaint received 2022-02-13
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc. (KS)

I have a collection on my credit report that is in the amount of $ XXXX.The name of the company is NCB Management Services . NBC opened a collection account in my name XX/XX/2021. They have called me several times asking me to address the dedt.
Consumer complaint received 2015-10-06
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (FL)

HelloI submitted a serious claim regarding undisclosed accounting method via case number XXXX to american express on an online chat dated XX/XX/XXXX. The error I caught I had caught 2 years back also but when I called them they confused me with numbers & I am not as confident in math especially when it has to be resolved on the phone. In the chat dated above I caught the same issue again & as review of the copy of my conversation shows ( I can email you ) they admitted to their faulty accounting. In fact I was in a 3 hour chat with at least XXXX managers on that date. Since then I did have other chats for which I kept some copies are are relevant. They tourchered me online many times answering late or asking me to call which I refused to do. I asked for my balance to be suspended which they have & in one online chat they told me they would get back to me by XX/XX/XXXX. I now dont show a chat option on my profile & I refuse to call them due to the high level of stress this has caused me. In the claim number I provided there were several other issues such as cash back, etc which you can see as well. But this accounting which they fudge under some spcial profile where the math adds up where they can see but I can not see makes no sense. In fact they admitted to it. 
The other important claims I submitted to their XXXX since I buy my airline tickets with my Amex was regarding my lost luggage which they should cover up to XXXX but they never respond to the cases I open & sometimes claim they dont have the claim but I do need to recoup all that they promised they give & all that they have taken from me.
Consumer complaint received 2015-09-30
Product: Credit card — 
Issue: Delinquent account — 
Company: AMERICAN EXPRESS COMPANY (LA)

A man named XXXX XXXX called my new husband trying to collect a debt for American Express. He did not identify the agency he worked for. I already filed a complaint against the agency for illegal debt collection practices. My husband told him that American Express agreed to let me pay them directly when I get my financial settlement from my ex husband. He pursued the matter. My husband told him to call American Express. He said he would be calling me back until the debt was collected. I am tired of these people harrassing me and trying to bully me with threats of turning the matter over to a lawyer. A lawyer is the reason I can not pay the bill right now, my ex husband. These people need to be put out of business, or fined for every consumer complaint. The company response to my prior complaint was that they did nothing wrong. What else would an internatl audit by the agency itself determine? Better laws need to be made for debt collection practices and they need to be enforced. They assume they are dealing with ignorant people, but not this time. I will pursue this matter until the company is stopped.
Consumer complaint received 2016-09-27
Product: Credit card — 
Issue: Billing statement — 
Company: BARCLAYS BANK DELAWARE (NY)

I signed up for the credit card offered through the website XXXX when I was looking for airfares and was approved. Sadly though my experience with the credit card has been awful. Trying to pay my credit card statement was awful. I have been using XXXX and XXXX XXXX cards for years and have never had a single issue with payments or connecting with banks for online payments. When I attempted to connect the bank account I would be using for payments the master card website showed the wellsfargo account as an option for payments. It appeared that I was able to connected XXXX XXXX checking account with the XXXX XXXX card online before a payment was due, I was never informed there was an issue, in fact once I attempted to make a payment online ( several days before a payment was due ) XXXX XXXX Card sent me an email to notify me that a payment was pending, then within a few days on XXXX XXXX 2016 I received another email from XXXX Card informing me that payment was received and applied to my credit card. Seemed like everything was ok until today I go online to look at my statement from XXXX XXXX Card and it says " Your payment is past due '' and they have charged me over {$64.00} in interest. I then contacted XXXXCard and they informed me that they contacted the bank XXXX and they could not find the account. But XXXX Card made no attempt to inform me of this and I later contacted XXXX XXXX and their records show no contact from XXXX. I have been using credit card for years and have never had an issue like this and I have a good credit score, I pay my bills, I pay my bills on time. I do n't want my credit score to be affected by their indecent managment and inability to communicate with their clients effectively. And I also do n't want to pay the interest as I do n't think the interest was incurred by fault of myself. I feel like they are trying to take advantage of busy people by making a simple process complicated and they offered little to no help when I called XXXX Card, instead they blamed me that I provided the wrong information. I am sorry to say that once my balance is paid I will be canceling this card and most likely will never apply for a XXXX Card again.
Consumer complaint received 2015-05-12
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

I have asked XXXX that Portfolio validate this debt. I have received statement and looks like maybe a copy of a bill from XXXX date XXXX/XXXX/2010. 

portfolio has not removed this from my credit reports or validated this bill.
Consumer complaint received 2021-10-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (MI)

I have had disputes with my landlord and their is a history of the landlord harassing me. This attempt at collection is another example of it. I have asked by phone and in writing for them to provide me a copy of the electric bill that they say I owe that shows usage and the dates the bill covers. They have failed to do so. 

I have also requested a copy of the lease that I signed that shows what they are basing the termination charges on, and so far they have failed to do that. 

They have reported this debt to the credit bureaues in an attempt to ruin my credit. I have been disputing this debt for two years by phone and in writing.