davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

filed an dispute with XXXX XXXX XXXX XXXX. I advised them that I am not refusing to pay the alleged debt, but their claim is disputed. I advised Portfolio Recovery Associates to send me copy of contract with my authentic signature that begun this alleged debt and should the contract not be available with my authentic signature to delete the trade line off the CRA. More importantly, I advised Portfolio Recovery Associates that not complying wit the FDCPA will put their company in a bad position with the CFPB. Portfolio Recovery Associates never sent me a contract with my authentic signature that begun this alleged debt and is still reporting the account to the CRA.
Consumer complaint received 2018-06-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Harpeth Financial Services, LLC (TN)

I have a " FlexLoan '' from XXXX XXXXXXXX XXXX beginning in XX/XX/2017 when I had several unexpected expenses. I had to use one transaction to even pay my rent. I understand this is not meant to be inexpensive credit and there are warnings about not borrowing too much, but I never saw the interest rate charged until I logged in and pulled up statements. Way at the bottom the rate is shown to be 279.50 %! No wonder I can not get ahead! On the original {$3800.00} borrowed, I am paying {$900.00} per month. The terrible thing is my balanced owed is going up each month due to compounding interest! 

I contacted XXXX asking for a way to lower my interest rate - they say that is not possible. I asked to close the account and setup a reduced repayment plan and they refuse. What is my recourse? I want to honor this debt but the outrageous interest rate and compounding is making this very difficult! 

Thank you for your assistance. 
XXXX XXXX XXXX
Consumer complaint received 2015-10-07
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (NY)

I received an offer for American Express XXXX card that stipulated certain terms. If I spend XXXX in 3 months I get XXXX bonus points. And if I spend an additional XXXX dollars I get an additional XXXX bonus points. I signed up with the code they provided. I got approved and received mail and a phone call confirming these terms. I spend the required XXXX dollars in the XXXX 3 months and did not receive the points. I was charged the XXXX annual fee in the XXXX month. I called to understand why they did not apply the bonus points and they stated that the offer was not linked to the account. I gave them the code and asked what other information they needed. They opened an investigation and first they said it would take one week then a month and then 6-8 weeks. It is now 2 months and they said they are not ruling in my favor. I asked why, and specifically requested to pull the phone call in which they read the specific terms but no they have not acknowledged that request. I am not sure why the code is not linked properly but regardless, how are they allowed to send material and confirm a credit card on a phone call and not be held to their own terms and agreements. I have asked for the points or my money back for the fee and they said there is nothing they can do. 
Can you please assist.
Consumer complaint received 2017-02-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: AMERICAN EXPRESS COMPANY (CA)

Out of nowhere American Express added XXXX accounts to my credit history, proof attached in original dispute/ complaint. My request was that they remove XXXX of these accounts as I did not personally guarantee them. They stated I did but to date have not sent me signed original applications for this supposed credit. All I want is original applications for credit showing that I personally guaranteed them, which I know they ca n't provide. That said I also want these accounts removed from credit history.
Consumer complaint received 2016-05-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

Citibank sent me an invitation to open a citigold checking account in return for an award of XXXX frequent flyer miles. The requirement is that : 1 ) I spend over {$1000.00} using the debit card ; 2 ) I use bill pay over 2 consecutive months. The award should be completed within 2/3 months after i complete my required actions. The account has been active for 6 months now, I have done all my required purchases, yet no award. In the meantime I am paying a fee every month because I do not maintain a minimum {$50000.00} balance. I agree to the fee, but I did not anticipate that the bank would take so long to give me my award. When I called in to enquire, the customer service agents refused to give me the details of the promotion and instead told me I have to make more purchases. I believe that citibank is fraudulent in that it falsely promises to award the XXXX frequent flyer miles upon my completion of the requirements and prolong the process to collect more fees from me.
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2020-08-19
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: Experian Information Solutions Inc. (CA)

I have disputed with all agencies with no responses starting 2019. Please provide documentation of what actions were taken on all disputes online and in the mail. All claims made are still valid.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MO)

The following address are non mailable address. Please remove them from my credit report. XXXX XXXX XXXX XXXX, XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX Also remove the following employers. I do not work at any of these jobs. XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Continental Finance Company, LLC (IN)

Recently found unproven information on my credit report from Continental Finance Company. When I spoke with the credit bureaus, they verified that they never spoke to anyone at Continental Finance regarding information related to this account. This means the company lied when they claimed to have " verified '' the account. See attached demand letter.
Consumer complaint received 2018-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently reviewed my credit report and noticed multiple inaccuracies. There were several unauthorized inquiries that alarmed me. I immediately contacted Transunion, in part, because I have been a victim of identify theft in the past and also because I was affected by XXXX data breach last year. Transunion was not helpful and requested I file a complaint with CFPB or provide an Identity Theft Affidavit. I am choosing to do both and expect a quick remedy to this issue. I would also like to add a 90 day security/ fraud alert to my file. The following inquiries are unauthorized and I would like to dispute and have them removed from my credit report ASAP : XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX  on XX/XX/XXXX XXXX on XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Western-Shamrock Corporation (SC)

I have asked this company numerous times to either report the correct information every month to the credit bureaus or REMOVE THE ACCOUNT. They have not done either. I am trying to get qualified for a mortgage and what they have showing on my credit report is inaccurate. This company have not updated my report since XX/XX/2017 I have attached document to show proof. The company i pay every month is XXXX XXXX XXXX and my guess is Western Shamrock or XXXX XXXX is the parent company .Either way i want this removed.
Consumer complaint received 2017-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CT)

My issue with my home mortgage with JP Morgan Chase began when during the fiscal crisis we became victims of unfair and unethical business practice by JPMorgan Chase in the Loan Modification of our Mortgage. 
This has been documented in the various complaints filed with the CFPB - and too many delayed responses by this unethical company. The indifference and or incompetence at best in the handling of our most important asset and worse : lack of good faith, attempts to deceive and mislead in providing full disclosure and intentional lying or racketeering to foreclose on our home. When this was not possible, we believe there was a carefully camouflaged and highly questionable plan that resulted in excessive fees during the Loan Modification process. 
Furthermore we have patiently tried to resolve these issues amicably with Chase to to no avail. Their response was to stonewall our efforts to get non-proprietary information they said was readily available on our request. What JP Morgan Chase has excelled in is the ability to use the services of their legal team to take the art of 'stonewalling ' to a higher level. 
Imagine dealing with over 24 people in their system and each one falling all over each other not understanding, not knowing, do not have the answer, have nothing on file..who told you your house was being foreclosed on..we have nothing that says that..and so on and so on. 
I have to remind them once again that the XXXX uprising started with one man and a scale. Give up from this ruthless company - I will never. 
I want to thank the CFPB for making sure that my complaint and grievance always get a response from this unethical company -. Yes, they did offer a measly {$15000.00}. for me to go away, but of course that will not happen. I know the new changes taking place within your organization and I do wish everyone the best of everything, and just hope the poor consumer like me will still have a voice. 
JPMorgan Chase I will deal with on my own terms. I do not allow anyone to rip me off, lie about it, frustrate me, try to break me with their series of legal sharks. Each day I wake up with a social media platform with an audience of over 10,000,000. I am sure my years in publishing will be put to good use. I just wish everyone the very best and to say thanks for keeping JPMorgan Chase and XXXX XXXX on notice. Always remember the fish stinks from the head down.
Consumer complaint received 2024-01-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC (LA)

Well first things first. Our original loan was through XXXX XXXX XXXX, then some few years later we got paperwork showing that our loan was sold to Carrington Mortgage Services. That's when all of our problems began. There we a few times threw the years that we had issues with making our payments on time. But we always caught up and got back on track. Then the pandemic hits. I'm not able to work as much so of course we get behind on our payments. Then they start accumulating late fees on top of the normal monthly payment. Everything gets back to normal and we are ready to start a payment plan of sorts to get us current again. But we were being told that that was not possible. If we wanted to keep our home and land we would have to pay every missed payment with late fees at once. If we couldn't do that the monthly payments keep racking up and so do the late fees. Well XX/XX/XXXX, my now ex husband left myself and XXXX children and ran off to California. At that point I went to my church for help. They were willing to pay everything even pay out the loan completely but Carrington could never give us a dollar amount!! They told us that it changed everyday. And that we needed to request a " pay out amount '' and that would come to me via regular mail and email. I never received the pay out amounts. No, excuse me I did receive one UT by the time it got to me the amount had changed again. We went round and round with this for over a year until my house and property went into actual foreclosure. And at that point I was given an auction date. That ended up not being correct. I was then given the correct auction date and was informed that Carrington had bought back the land and house. Ever since that day XX/XX/XXXX I've been trying to get Carrington on the phone but none of the numbers worked. That's when I tried to XXXX and see if they were having phone issues. And then I stumbled on an article saying that Carrington has been under investigation since XXXX of XXXX. The complaints and reasoning g for the investigation were for the same exact things they did to me. So I found the number to the people who was investigating Carrington and I was instructed to come here and make a complaint!!
Consumer complaint received 2018-06-09
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. (GA)

I recently reviewed my Experian credit report and noticed multiple inaccuracies. There were several unauthorized inquiries that alarmed me. I immediately contacted XXXX, in part, because I have been a victim of identify theft in the past and also because I was affected by their data breach last year. Experian was not helpful when I called to dispute the inquiries therefore I am filing a complaint with CFPB and providing an Identity Theft Affidavit. I am choosing to do both and expect a quick remedy to this issue. I would also like to add a 90 day security/ fraud alert to my file. The following inquiries are unauthorized and I would like to dispute and have them removed from my credit report ASAP : XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX Customer Service / XXXX XXXX on XX/XX/XXXX In  addition, I am requesting XXXX XXXX for the public record on my report. I have been informed by seeveral Consumers that Experian allowed them XXXX XXXX for Removal Of derogatory information if it is within 6 months of the record being removed. XXXX has removed it and I would Like Experian to remove it. I would like to be treated equally to how other consumers are treated.
Consumer complaint received 2018-06-09
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. (TX)

XXXX XXXX XXXX wasted the effort by just accepting collection companies word I owe the debt. No one has ever documented and proven that I owe these collections that XXXX has posted to my report. They have allowed XXXXXXXX XXXX to post five amounts to the same creditor, same account in collection, as 5 collections. Thus, grossly over stating my indebtedness in collections. 
Just because a collection company says you owe money dos not make it so. 
What did they expect them to do, of course they " self verified '' I owe the money.
Consumer complaint received 2020-05-05
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. (AR)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account.XXXX   XXXX {$2000.00} XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX {$2600.00} XXXX XXXX {$2400.00} XXXX XXXX {$360.00} XXXX XXXX XXXX {$140.00} XXXX   XXXX {$860.00}
Consumer complaint received 2021-02-08
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: Allied Collection Services, Inc. (Nevada) (TX)

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2017-12-01
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: MiraMed Revenue Group LLC (MT)

Received a statement from XXXX XXXX XXXX regarding a legitimate debt for XXXX services on XXXX/XXXX/XXXX. This will be paid in full before XXXX/XXXX/XXXX. 

On XXXX/XXXX/XXXX at XXXX they called. This is outside of the time frame allowed.
Consumer complaint received 2017-11-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (DC)

I just pulled my credit files and learned that XXXX XXXX XXXX  is reporting fraudlent information on my files. This is not my debt and i have never received any notice or demand for payment from this company.
Consumer complaint received 2020-05-05
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a coupe of fraudulent accounts that do not belong to me. Not only did I find out that my name and social security were being used to open accounts, but also while i was trying to file taxes my consultant informed me that my social security number had already been filed. Please removed these unknown items from my report as soon as possible. XXXX XXXX  XXXX {$820.00} XXXX XXXX  XXXX
Consumer complaint received 2020-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Gurstel Law Firm, P.C. (NE)

As of XX/XX/2020, Gurstel Law Firm P.C. ( XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX ) received account, tried to make contact with Gurstel on several different days to make payment, but no account info can be accessed or released. No one will return my phone calls and everyday they delay payment, my credit is being effected. Also the original creditor is still reporting negatively, so I tired to pay them, but they refused payment because account was charged off and sent to Gurstel Law Firm
Consumer complaint received 2018-01-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: McCarthy, Burgess & Wolff, Inc. (NY)

I ended my services with XXXX XXXX and returned all the equipment. I rec 'd a notice saying that one piece of equipment was missing and they sent a bill with that notice. When I showed them their receipt that shows all the equipment including the one in question was returned to their office, I was told that it would be corrected in their system. A few months later while purchasing a home I was told that there was a collection debt on my credit from XXXX in regards to the same bill/item. To purchase the home I had to settle with the collection agency and pay the bill for {$120.00}. I rec 'd documentation from the collection agency and from XXXX that the matter was settled in full satisfaction. Now 11 months later I rec 'd a notice from a different collection agency stating that I owe the full original amount again. I informed them of the settlement in satisfaction and sent copies of the settlement notices but to no avail. XXXX will not answer the phone or emails and my credit score is effected. Hold times to contact a XXXX customer service is always over two hours long. How do I hold XXXX accountable for their mistakes as they have held me accountable for mine?? How do you force a company to handle things properly besides boycotting them which I am doing. I will never use the services of XXXX again but need help correcting my credit score damage that they have done.
Consumer complaint received 2018-02-01
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Global Lending Services LLC (GA)

On XX/XX/2017 a payment in the amount of XXXX was paid to the account that was never posted to the account. The balance was then reported as over 30 days late with all three credit bureaus. After speaking with several customer service agents and providing proof that the payment was made Global lending services still refuses to remove the late payment from my credit repprts.
Consumer complaint received 2021-02-08
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. (NV)

TransUnion has of my credit file on Personal information File Number : XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX With no apartment number and it should have a APT this is not no address of mine and incorrect