davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

When I applied for the XXXX XXXX card ( used to be " XXXX  '' ) in XX/XX/XXXX, the welcome offer was XXXX XXXX points plus a free weekend night award after 1st card anniversary ( a similar offer attached ). I met the spend requirement in time and got XXXX  points, no issue, but after I paid for the annual fee in XX/XX/XXXX, I never receive the free night award ... Since then, several attempts have been made to confirm the welcome offer and claim that anniversary award, but I was told that AMEX can no longer retrieve any info about my welcome offer and can not confirm it ... After that, the only answer to me is to wait, wait and wait 4-6 weeks for investigation until now it's almost XXXX.
Consumer complaint received 2021-04-30
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: BMO Bank, N.A. (TN)

Had a one year XXXX that matured XX/XX/21 that had an interest rate of 1.85 % apy or 1.833 % daily rate. Rec 'd the banks check today and the amount is not correct if you multiply the initial deposit by the interest rate. 

The bank has made an error in calculating the interest. I called them today and they would not discuss the matter with me other than to say that their calculations are correct. 
I asked that they email their calculations to me for my review but they refused. 

Please contact this bank to rectify their error. The bank is BMO Harris, an online bank. 

Thank you
Consumer complaint received 2018-09-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (WA)

This is a formal complaint against Ditech for ignoring our requests to remove PMI and continuing to charge us PMI. 

On XX/XX/2018, we made a large payment to Ditech to reduce the principal for our mortgage far below the 80 % requirement for PMI. On XX/XX/XXXX, we called Ditech and asked for how we can formally request a cancellation of PMI. During the call, the representative told us to send an email requesting this. We sent them an email on XX/XX/XXXX requesting to cancel PMI. Ditech did not reply to this email. 

On XX/XX/XXXX, Ditech charged us {$150.00} for PMI. This appeared as a line item in our XXXX statement from Ditech. 

On XX/XX/XXXX, we called a second time asking how to cancel PMI, and Ditech told us to send an email. On XX/XX/XXXX, we sent a second email formally requesting to cancel PMI. Ditech never responded to this email either. 

When we received our XXXX statement, we did not see a line item for PMI, so we had believed it was canceled. However, in our XXXX statement, Ditech added TWO line items for PMI, one dated XX/XX/XXXX, and one dated XX/XX/XXXX. 

Per the Homeowner 's Protection Act, Ditech is federally required to allow us to cancel PMI upon request when our loan 's Loan-to-Value falls below 80 %. Ditech has not honored this request.
Consumer complaint received 2018-09-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Abbott Osborn Jacobs PLC (IA)

XX/XX/2018 My Wife and I received a letter from Wetsch Abbott Osborn Van Vliet Plc . 
Letter was to inform us of a debt that we have with XXXX XXXXXXXX XXXX for {$1700.00} I Called@XXXX on XXXX XXXX waited on the phone for XXXX no answer. 
the prompter says that they do not call an leave messages if we wanted them to return our call. strange So I call again on XX/XX/XXXX@XX/XX/XXXX When I finally got ahold of someone I was then directed to the collections office and waited again for almost 6 mins. no answer. 

So I got online to submit a payment. with all my banking info ( there is no bare minimum of payment. ) I submitted what I could at the time to " cure '' the debt to set up recurring payments.

I received an email from Wetsch Abbott Osborn Van Vliet PLC denying my payment to " cure '' a debt. After I missed a call from them I work night shift I do not wake up till XXXX. 

So thats why I wanted to file a complaint.
Consumer complaint received 2020-09-09
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (PA)

I had called on XX/XX/2020 and told them that it was a suspicious that someone withdrawn my account of {$510.00} on XXXX so I put a claim in and they suppose to send me some forms to filled out and send it back to them.. never received anything as of right now.. have been calling the past 3 days and always on hold for more than 3 hours to the claim department.. never reach a love person.. need to talk to someone ASAP..
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Trans Union, XXXX and XXXX are all listing incorrect information on their sites ( and XXXX XXXX ) picks it up and lists this information on its site. 

Specifically : 1. they are listing my account with XXXXXXXX XXXX  as closed, when it should state " Paid In Full ''. 
2. They are listing I owes XXXX XXXX {$39.00}, XXXX unpaid money. This is incorrect and I have contested and sent collaborating evidence, yet they continue to list this. 
3. I am also listed as having XXXX credit cards. In the past I had approximately XXXX credit cards total and presently only XXXX. 

Finally, every time I contest the erroneous information they use these old accounts as a reason to drop my credit score. Also every time I use my credit card, even though I pay the balance off edarly - prior to the due date, they drop my credit score. 

They are doing this to get me to buy in to their services, i.e. applying for credit cards they advertise and support on their sites. Since I told them that I was not interested in their products they have continuously dropped my credit score while continuing to bombard me with requests/emails to buy their products. 

They are causing me to lose financial opportunities and are crushing any chances I have of applying for a home, apply for bonding and most importantly, trying to break my spirit. 

I just checked again to day and they dropped my credit score again. I need your help to make this stop. 

I have backup information for XXXX and XXXX if you wish to have them. 

Thank you for your time and effort.
Consumer complaint received 2021-09-21
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (IN)

I checked my credit report and found that my mortgage company XXXX which is serviced by Nationstar is reporting my account as closed and doesn't list any of my payments. I contacted XXXX and was told that since I filed bankruptcy in 2016 that they could list my account like that. All of my payments have been made and on time. 
I was told that if I wanted it changed to get a lawyer. I tried disputing this through XXXX but XXXX refused to update the information.
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I submitted a dispute on XX/XX/2023 with transunion because they are reporting an eviction record that was not only dismissed but VACATED! They sent an updated report on XX/XX/2023 but all they did was change the filing type when this record should removed and not appear at all.The update they provided does not accurately portray the courts decision and the documents provided. They are also showing a judgment amount when I dont owe any money! The case was dismissed and vacated most importantly which means the record needs to be removed. I am very upset because this record is preventing me from obtaining a new apartment and I will be suing if this is not resolved satisfactorily.
Consumer complaint received 2023-01-11
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. (TX)

I am filing this complaint on Equifax because this agency has ignored my dispute I sent to them on two different occasions in regards to 9 accounts from the same creditor that are violating my privacy and hipaa laws without my authorized hipaa release form consent. XXXX was the only other agency reporting 8 of the accounts and XXXX has deleted the items. I dont know why Equifax refuses to delete the disputed items when they have been put on notice twice. 

XX/XX/XXXX i sent Equifax a dispute expressing that a hipaa release form was never signed or authorized for XXXX XXXX XXXX XXXX to acquire my private medical information. 

XX/XX/XXXX i also sent XXXX XXXX XXXX XXXX a letter in regards to the 9 accounts they are reporting. Tracking XXXX XX/XX/XXXX XXXX XXXX recieved my letter. 

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XX/XX/XXXX XXXX Deleted the last remaining account on my XXXX file. 


I have yet to receive any results from equifax or a response from XXXX XXXX till this day. 

To my understanding once a modification has been made with XXXX reporting agency, they are required to send the results to not only the furnisher of information but also to notify all other consumer reporting agencies on a nationwide basis. Why hasnt equifax complied by deleting the same items being reported after receiving notice from transunion of the carbon copies. 

XX/XX/XXXX I got a updated report from myequifax website and to my surprise these items are still reporting. I have given Equifax the respectfully time to conduct and investigation properly. If they conducted a investigation properly then they would know that these items should have been deleted a long time. And if they didnt conduct a investigation then equifax is in violation for failing to investigate and reinvestigate items I brought to there attention on two different occasions. if you take a look at my recent XX/XX/XXXX report you will also notice that equifax is not even reporting account numbers on some of the items. if the account numbers are reporting then its very clear that the accounts could not be verified. Equifax knows there policy but refuses to comply to federal and state regulations. 
I can not get Equifax attention and now I am asking for your help to settle this on going matter.
Consumer complaint received 2021-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DC)

I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below is the erroneous account reporting on my credit report : XXXXXXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX
Consumer complaint received 2021-04-05
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: EQUIFAX, INC. (OH)

Pulled up my credit report and seen there are some accounts that are fradulent and do not belong to me. I'm in the middle of purchasing a home and this is holding up the process and need the fraudulent accounts removed from all credit bureaus. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). Following accounts : XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, -XX/XX/XXXX # XXXX, -POSSIBLE FINANCIAL # XXXX
Consumer complaint received 2019-03-06
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

Experian intentionally refuses to meet compliance with 609 ( a ) ( 2 ) ; ( a ) ( 4 ) ; 611 et. seq. and/or additional FCRA laws, & more importantly violation of the Fair Accurate Credit Transactions Act ( FACT Act ) of 2003 enacted by congress in which its behavior may have risen to either a criminally or civil liabilities claim. 

Repeated requests to provide methods of accuracy & verification used by Experian pursuant to FCRA 's promulgated statutes, rules, authorities and/or 611et. seq., remains intentionally silent or misdirected and thereby remains non-compliant of FCRA 's authorities to date.
Consumer complaint received 2020-04-26
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)

In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I sent certified letters regarding validation of negative information my credit report. 

XXXX XX/XX/XXXX Dismissed BankruptcyChapterXXXX XXXX XX/XX/XXXX Dismissed BankruptcyChapterXXXX XXXX XX/XX/XXXX Discharged BankruptcyChapterXXXX XXXX XXXX XXXX I ask to get verification of the items however after 3 attempts transunion has failed to respond to my additional request for documentation and wrote me a letter and told me they will not reinvestigate although I ask for validity of the information that was being listed because i share the same name as my father who lived with me in the past and I have also been a victim of identity theft in past
Consumer complaint received 2015-07-23
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (NC)

Navient has changed my life in a drastic negative way. I am XXXX years old now. XXXX. I have been on XXXX since XXXX. Navient has continued to harass my mother XXXX and I at least XXXX times a day. They said that I currently owed XXXX in private student loans that I cosigned on for my education. I explained to them that I am on XXXX and I can not afford to pay anything. I also stated that I applied for XXXX Forgiveness for my Federal loans and asked if they could assist me in applying for a program like such for my private loans. I quote that the lady responded to me by saying, " I have never her of such a program and if there is one it would be a true act of XXXX if you get approved, we want our money. '' She also said I do n't care what you have, we will just keep coming after your mother and take all that she has because she is primary. '' Then she proceeded in laughing at me and hanging up the phone on me. I just screamed at the top of my lungs when I got off the phone with her and cried like a baby. There has also been a man calling everyday around the clock saying he is my personal account manager. He leaves nasty messages on my phone as well. I feel like my whole world is ending right in front of my eyes. When my mother took out the loans in XXXX I was XXXX of XXXX XXXX. She had no clue that this would happen to me or we would 've came up with a different route like training classes. XXXX I will be on XXXX for the rest of my life. My mother filed a complaint and was told that there is a forgiveness program out there for this circumstance. I do not believe my mother should be held accountable for this. I read on the Navient page that the only way my mother can get out of this is if XXXX. XXXX I have gone downhill beyond measure. I got married on XXXX/XXXX/XXXX and my mother could not afford to give me a big wedding so we got married in her living room. XXXX days before our wedding day Navient called me and let me know that they wanted {$700.00} a month or else they were going to start wage garnishments. My marriage has not been enjoyable at all. I thought I was finally going to be happy. XXXX I have had to change my XXXX over and over because of my XXXX. I was told by my XXXX to go back to school because I needed something to help my mind get back on track. That I what I did. I obtained my degree XXXX. XXXX I am receiving the proper help. These last XXXX months have been so hard because I feel like everything that I have worked so hard to build within myself is being taken away and broken down. My mother has another daughter a year older than me on XXXX with XXXX. Our family is struggling and we can not afford this. I promise I did not know this was going to happen. I need the forgiveness program on behalf of my mother and I. I need help or I 'm not going to survive. Please!!!
Consumer complaint received 2021-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I want to understand why my credit score varies month to month. I pay my credit card balances completely every month, as well as all of my bills.I own my own co-op apartment debt free. My income and my assets have been going up annually for several years as well.The last loan I had was in XXXX for an automobile and that was paid off in 6months. I am being penalized because I have not a mortgage for 15+ years or opened any new credit lines The companies reporting these specious reports as of XX/XX/XXXX are Transunion and XXXX. When I spoke with their representatives they blame the banks. When I speak with the bank they blame the credit reporting agencies.
Consumer complaint received 2021-05-20
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. (MD)

I was incarcerated from XX/XX/XXXX to XX/XX/XXXX and during that time two fraudulent loans were opened in my name from XXXX XXXX XXXX XXXX. One account was a personal loan Acct # XXXX opened XX/XX/XXXX and the other is an auto loan acct # XXXX opened XX/XX/XXXX. I have contacted XXXX XXXX XXXX XXXX to dispute these fraudulent accounts. I have also disputed these fraudulent accounts with XXXX  Transunion, and XXXX  but have yet to receive a reason why they have not been removed from my credit file. I have also sent them a police report and identity theft affidavit. This has gone on far too long. Please help to remove these fraudulent accounts from XXXX  Transunion and XXXX
Consumer complaint received 2023-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (HI)

In accordance with the fair Credit Reporting Act XXXX  ( XXXX XXXX XXXX  ) Has Violated My Rights. 
15 U. S. C 1681 Section 602 A. States I have the right to privacy.

15 U. S. C. 1681 Section 604 A Section 2. It States A Consumer Reporting Agency can not Furnish a account without my written instructions.
Consumer complaint received 2021-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

I disputed several of the addresses that Experian had for me because of the wrong zip code or the address having a XXXX in front of it. They would not delete it. Clearly someone has been messing with my information otherwise I have never gotten my address wrong or put an XXXX in front of my address. There is also my name misspelled. The credit bureau just updated the info with the same wrong zipcode. Thats not helpful and clearly my time is of no ones concern. The fact that I have to go out of my way to write this email is insane, after spending all that time disputing it.
Consumer complaint received 2020-04-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (MI)

Hi, there was a XXXX collections dated XX/XX/2017 with the original creditor being XXXX XXXX and subsequently sold to Allied Business Services. During the phone conversation with them, they agreed that this collections would be a pay-to-delete. However, they have only relayed " Paid and Closed '' on my credit reports. I have relayed these messages to Allied Business Service and they are insisting that they do not delete from credit reports. I have also disputed this with the appropriate credit bureaus as well.
Consumer complaint received 2021-03-19
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. (OH)

Today XX/XX/XXXX i received a text message on my cell phone from XXXX that read FINAL NOTICE : EXPERIAN HAS FLAGGED YOUR ACCT FOR UNUSUAL ACTIVITY. REVIEW BY XX/XX/XXXX XXXX : XXXX I clicked on the link and you had to setup an acct which included giving the last 4 digits of your social security number and other info and I only half setup the account and then I called experian and was on hold forever and luckily they informed me it was not from them and it was fraudulent and they put an alert on my credit report along with my phone number and since I applied for a home equity loan once the bank pulls my credit report I have to call all 3 credit companies and put a freeze on my account.I think this fraudulent text stems from being on ourtime dating site because there are so many scammers on that site and so many dishonest people. Ourtime is a very unsafe dating site.
Consumer complaint received 2021-04-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (TX)

Citi Cards CBNA is reporting a balance owed of {$440.00}, Account XXXX, on my credit reports for a secured account that allegedly went into default in XXXX. 

When I spoke to Citi Cards customer service on Monday XX/XX/XXXX I was told that they could not verify the debt or who owned the debt. 

Citi Cards must therefore immediately delete this account from all credit reporting agencies and cease collection efforts, in compliance with FCRA laws. Failure to comply will make Citi Cards CBNA liable to further legal recourse, which I will pursue to the fullest extent.