davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (DE)

Applied for, and was approved for an American Express XXXX XXXX credit card on XX/XX/XXXX under a promotional offer awarding XXXX XXXX points for {$5000.00} spend in 3months, and an  additional XXXX XXXX points for an additional {$10000.00} spend in 6 months. The offer was valid through XX/XX/XXXX. I met the required spend numbers in XX/XX/XXXX ( for the first {$5000.00} ), and XX/XX/XXXX ( for the additional {$10000.00} ), yet was not awarded the sign up bonus. 

I contacted American Express numerous times about this and was constantly given the run around, even after uploading a screen shot of the offer that I signed up for. I called back in today, I believe my sixth call or contact regarding this matter, and was told that I was not eligible for the bonus " due to the channel in which I signed up. '' I signed up using an official publicly available offer directly from americanexpress.com using the " Apply '' button directly below where the terms of the sign up bonus offer are listed on my screen shot. 

I have attached an image of the screenshot of the offer I took at the time of my application and would be happy to provide access to my computer for a forensic analysis to prove that the screenshot is my own, and was taking contemporaneous with my XXXX XXXX Credit Card application.
Consumer complaint received 2021-07-01
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. (NY)

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ).

Over thirty days ago, I wrote to each credit reporting agency ( XXXX Equifax, & XXXX ) indicating my dispute off information on my credit report on XX/XX/XXXX. A copy of the original letter accompanies this correspondence. as of today XX/XX/XXXX XXXX, Equifax, & XXXX have not responded to my dispute and therefore they must remove from my credit file all information disputed in correspondence. under the FAIR CREDIT REPORTING ACT, XXXX, Equifax XXXX & XXXX had 30 days to complete their reinvestigations of disputed information. This 30 day mark has come and gone without any response from XXXX, Equifax, & XXXX. I am asking for the CFPB 'S assistance in the verification of the removal of the disputed data from my credit report. please send to my address provided at no cost to mean updated credit report at no cost to me as proof that these items have been removed completely.
Consumer complaint received 2017-07-09
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (FL)

Called Navient about grace period. They stated that I already used my grace period and I advised thats impossible. I was in school from XX/XX/XXXX until XX/XX/XXXX. All of my other loan lenders have me in a 6 month grace period but Navient refuses to help is trying to collect on my loans with them. I should be in grace period until XX/XX/XXXX.
Consumer complaint received 2024-02-14
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I had a payment scheduled from my sofi savings account towards my bank of america credit card scheduled for its due date the XXXX. As it turns out bank of america had an error scheduling the payment on their platform, and my account was for some reason unenrolled from automatic email payment notifications, so I had no way to know the payment was not scheduled succesfully. Upon discovering this I immediately contacted bank of america, and a support representative told me that I should not be worried, after I told them I scheduled the payment the day after. I have now been charged a {$35.00} late fee by bank of america for this fault, which I'd like to have withdrawn.
Consumer complaint received 2020-01-27
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Convergent Resources, Inc. (KY)

On XX/XX/2020 I received two voicemails on my cell phone. My mother called the number back at XXXX XX/XX/XXXX. They asked to speak with me, she asked who she was speaking with and the representative said convergent outsourcing. My mom asked what kind of company that was and he said a debt collections company ( Not supposed to say that! ) She said Ok and the man proceeded to release all the info about my debt to a 3rd party ( Not supposed to do that ) She advised that rep it was not convenient for me to receive calls on that phone number unless it is after XXXX or XXXX est ( She couldn't remember which one she said ). 

On XX/XX/2020 I received a call at XXXX XX/XX/XXXX( Not after XXXX ) On XX/XX/2020 I received a call at XXXX XX/XX/XXXX( Not after XXXX ) on XX/XX/2020 I received a call at XXXX XX/XX/XXXX( Not after XXXX ) on XX/XX/2020 I received a call at XXXX XX/XX/XXXX( Not after XXXX ) On XX/XX/2020 I received a call at XXXX ( not after XXXX ) on XX/XX/2020 I received a call at XXXX XX/XX/XXXX( Not after XXXX ) On XX/XX/2020 I received a call at XXXX XX/XX/XXXX( Not after XXXX )
Consumer complaint received 2017-11-14
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc. (PA)

The issue with this " company '' is more than just repeated calls, it involves all the other issues that were added as options, but it only let me choose one. I just got a call at XXXX today XXXX XXXX XXXX. But I 've been called before XXXX, after XXXX, and even on XXXX. This is a company that I have spoke to on multiple occasions and after fruitless attempts to explain that I paid my insurance out of pocket maximum and do not owe these medical expenses, I have told them to no longer contact me. And yet they still call ... XXXX times within this past month alone. The number is usually ( XXXX XXXX XXXX, and that will be the number I 'm referring to in my complaint. 

I 've been dealing with this for almost 3 years at this point. They have sent debt collection mail to my in-laws home, which I have never lived at and have no idea how they have their address. This is not something I have ever consented to. Additionally I have been told that if I do n't pay this debt it will reflect negatively on my credit report, even if I already paid my obligatory insurance out of pocket costs. I 've told them to send me information proving that I owe this debt and that they are the ones who are legally allowed to collect on this supposed debt. I have yet to see a single piece of paperwork for either. 

This last call I received is the final straw and is what is leading me to complain. The woman I spoke to was aggressive and accusatory. She called me a liar when I said I had already spoken to both my insurance company AND this company. Obviously I 've been dealing with them for almost three years, I 've definitely spoken with both entities to get this straightened out. 

She demanded that I pay. She did n't ask me to pay. In fact, her first intro to me was, " Will you be paying this debt with a credit card, check, etc ...? '' The amount was for a little over $ XXXX. I told her I was n't paying it at all since it 's not debt I owe. And that 's when she got aggressive. Her voice changed, as well as her attitude. She said that she " knows '' what the insurance company said ... despite accusing me of lying about speaking with them. She claimed that she would be writing all sorts of things down in my " file '' that I never even said. She said the call *may* be recorded and I truly hope it was.
Consumer complaint received 2019-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC. (TX)

I have disputed this outdated information several times. They remove it and then wait and add it back with a later date. The loans are from XX/XX/2003. IRS has garnished taxes to pay balances yet they are still being reported.
Consumer complaint received 2021-09-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have a debt from Capital One Bank about a credit card that I never opened. The debt collection agency directed me to this website. The account was opened without my consent. I split up with my ex wife in XXXX of XXXX the account was opened sometime in XXXX using that address where I was living with her. I have never opened anything with Capital One Bank  until XX/XX/XXXX when I went for a car loan and dealership checked if Capital One would offer me a loan. I was denied the loan because they said I have deliquent accounts with them but I never had any account with them. Next thing I notice on my credit report is XXXX XXXX in debt collections.
Consumer complaint received 2021-09-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO. (IL)

A Debt collector is trying to make me pay on debt from XXXX. They said that Chase purchase the Providan Credit Card account, these people are using bully tactic asking for pre paid credit card mentioning my stimulus check and unemployment check, I think Its a scam but they using their skills to try to take money from me. They said that their attorney will press charges on me. Here is the phone number XXXX XXXX XXXX XXXX these are rude people.
Consumer complaint received 2019-06-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (MA)

I have received a notice about my credit report with a debt on there that did not look right. Tried to call the company and speak to them directly and the phone number provide is no longer in service. I would like to get this removed and investigated.
Consumer complaint received 2019-06-07
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: Experian Information Solutions Inc. (OH)

These items below do not belong to me or anyone i know. I have tried to fix this myself and have gotten no where. this is keeping me from buying a home XXXX XXXX XXXX Opened XX/XX/XXXX {$140.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$66.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$640.00} Original creditor : XXXX XXXX
Consumer complaint received 2021-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2017-11-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Despite applying overpayments to my principal for the last 18 months XXXX XXXX has refused to do so without any prior notification. In response XXXX stated in writing that I could have the funds returned to me however when I called customer service on XX/XX/2017 as per the instructions they have refused to return my money
Consumer complaint received 2021-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Good evening, I am sending this method of complaint due to XXXX, Transunion, and XXXX  are not complying with my dispute request. I have sent a letter on XX/XX/XXXX and XXXX XXXX. I have informed them that my first initial dispute was sent on XX/XX/XXXX and my second initial to demand and comply was sent on XX/XX/XXXX. I have yet to have this matter resolved.
Consumer complaint received 2021-03-31
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)

There was an account reporting late on my report due to a court hearing not being set. The hearing happened and it was in my favor. I was never late. I do not owe any money. I submitted the payment log and the order to the credit agencies and they claim to have investigated but the only thing that was done is the balance was changed to XXXX. The late payments remained.
Consumer complaint received 2022-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Coinbase, Inc. (WI)

I have a Coinbase XXXX debit card that was used fraudulently on XX/XX/XXXX. The fraudulent transactions totaled {$1600.00} and drained my account. I reported the card # as stolen and contacted their support phone number the same day. ( I still had the card in my possession, so I am unsure as to how the fraud was committed ). Coinbase has not been able to reverse those fraudulent charges or issue me a provisional credit as per the member agreement and federal law. 

The fraudulent transactions are listed here : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX IXXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX SXXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX & XXXX XX/XX/XXXX XXXXXXXX XXXX
Consumer complaint received 2024-02-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (TN)

On XX/XX/XXXX, I requested to change my payment due date from the XXXX of the month to the XXXX. At the time, I was told that it would take up to XXXX billing cycles. When the bill due on XX/XX/XXXX was generated in XXXX, I called to find out the status of my request. I was told then that there had been a delay in processing because I was in a status called " paid in advance '' ( or something similar ) but that the representative would correct and that the change would most likely take effect for the payment due in XXXX. When that bill generated a few days ago, the due date was still XX/XX/XXXX. When I called again, I was told that the request could take up to XXXX business days ( that representative calculated that time period would stretch into XXXX ), and today a supervisor told me that the interest on my account would capitalize if the change was not approved by XX/XX/XXXX ( which is XXXX months after my original request ). There is no reason why my simple request should take so long, and there is even less reason for my interest to capitalize because MOHELA can't process my simple request in a timely manner. This is especially true because nobody before had told me that interest capitalization was a possibility.
Consumer complaint received 2020-11-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelson Cruz & Associates LLC (NC)

I sent a letter to Nelson Cruz and associates requesting validation of alleged debt via certified mail USPS. On XXXX XXXX, 2020. First Request. Tracking number XXXX. Letter was received via USPS receipt XXXX XXXX, 2020. I received no response back from the company. Second letter request for validation of alleged debt sent USPS certified mail on XXXX XXXX, 2020. Letter received XX/XX/2020 via USPS receipt. Tracking number XXXX. I received no response back from the company for my request.
Consumer complaint received 2017-11-14
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: TD BANK US HOLDING COMPANY (AZ)

I am a victim of identity theft. The inquiry, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. 

Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. 

I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2017-11-14
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: General Motors Financial Company, Inc. (AZ)

I am a victim of identity theft. The inquiry, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. 

Please delete this information from my credit report, pursuant to section 605B of the  Fair Credit Reporting Act. 

I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2020-05-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

Chase bank advised me that when I moved my mother who is in her XXXX 's upstate due to Covid 19 and was impacted greatly by this I could suspend my payments with no late payments or penalties. I was sick in XXXX and was late with this payment as well but they did not advise me that there would be credit reporting would be done at all. When I went to refinance my car I was advised that my credit had dropped markedly. I later found out that chase who also took my payment and pooled it to XXXX a new provider, did report me late. In fact they reported me late for thirty, sixty and ninety days. 

I contacted Chase and they advised me that because I was late in XXXX they would not help me at all with a payment plan for the three months of the Covid 19 phase. I contacted their executive offices and they are not helping at all. 

When I checked my XXXX  report they conveniently haven't even reported beyond XXXX. I also contacted the XXXX XXXX entitiy Balance, and they advised that although Chase may have been correct in reporting me 30 days late, they should have paused it there when I requested the forbearance being granted. 

I am now in serious need of obtaining a loan for my car and due to these aggressive actions on the part of Chase. I am finding it difficult to appropriately address my family needs and health. 

Any assistance would be greatly appreciated. My name is XXXX XXXX and my contact telephone number is XXXX.
Consumer complaint received 2021-07-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (PA)

I initiated communication between my self and Convergent Outsourcing on or around XX/XX/XXXX I do not have the letter but I will attach the letter I received in response which is labeled " FIRST RESPONCE '' which is dated XX/XX/XXXX, In their response letter they claim I owe {$1100.00} yet the bill they sent me states I owe {$1300.00}. 

I then responded with another letter sent on or around XX/XX/XXXX which I have attached labeled " 2nd LETTER '', where you will read my stance on them trying to collect on a debt that they can not nor will not validate properly. 

I then received a second response around XX/XX/XXXX which is identical to their first response which I have attached labeled " 2nd RESPONSE ''. In this letter they state I owe {$1100.00} yet they have attached a bill that states I owe {$1300.00}. 

I sent a 3rd letter on our around XXXX which is labeled 3rd LETTER in which I explained the amount owed vs the amount they claim is owed is incorrect, and a few other questions they refused to acknowledge or answer from the first two letters.

I have not received any response after my 3rd letter.
Consumer complaint received 2020-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (FL)

i have been trying to get this bank removed from all 3 credit buraures for years. my identity was stolen when i was a freshmen in college and the person that had stolen identity attend to apply for various cards, banks, loans and more. i have multiple inquiries that is on my credit as well accounts i never apply for.

I really needs someone to help me regarding my credit as well these accounts thats kon my credit to be removed. if someone can please reach out to me to help resolve this situation.