davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-11
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (WI)

During the beginning of COVID-19 I was having employment hardship and need temporary payment assistance. After 100 's of phone calls to XXXX XXXX was unable to get though due to high call volume. I tried to contact XXXX XXXX though email and would never received a reply. I sent 2 certified letters stating the I would be unable to make the next payment unless they respond to me to set up a new payment agreement. Since XXXX XXXX refused to  respond to my requests, they caused a XXXX late payment and i sent another certified letter stating that the late payment is an account error due to them not communicating after receiving my numerous requests for assistance. I immediately paid the account balance after the caused an error by reporting a late payment caused by XXXX XXXX 'XXXX  own company. They still refused any assistance on resolving the error and sent a letter saying they will not remove the error late payment.
Consumer complaint received 2021-04-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I attempted to sign up to TransUnion to receive my free annual credit report on XX/XX/XXXX. However, there is no method on the site to receive a free credit report - the only method is by signing up for a " premium '' credit monitoring system that charges a monthly XXXX dollars for " credit monitoring ''. 

I confirmed this with a sales representative ( XXXX ) on XX/XX/XXXX, who further clarified that the only ways of receiving a credit report from transunion is through paying for the premium credit monitoring system, or a once-yearly XXXX cent transaction. 
The latter XXXX cent transaction is nowhere on their landing site. 

There was no mention of the federally mandated once early free credit report.
Consumer complaint received 2021-04-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Conn's, Inc. (TX)

Conn Appliances Inc has contracted with Scott & Associates PA for the purpose of debt collection. I have been sued in court for a debt they say that I owe. The contract copy provided has information that I have no knowledge of and it makes up a significant portion of the amount they claim that I owe. The alleged debt is from a few years ago, but they had zero contact with me regarding this debt prior to XX/XX/2020 when I was served with court papers in the middle of a pandemic. I have attempted to contact XXXX XXXX XXXX via the contact information they provided in court papers, requesting more information on the debt, contract terms, possible resolutions, etc. and they will not return my messages. They continue to send letters in an attempt to collect, offering to reduce my alleged debt by varying percentages - from 10 % to as much as 60 % in the time since they have sued. They provide a portal on their website to request a hardship agreement, which I have also submitted, due to the fact that I have been unemployed for a year due to covid, have XXXX assets to even satisfy a judgement if I wanted to, etc. I have requested the opportunity to resolve outside of court, etc. and they will not communicate back to me. It seems they falsely claim to want to work out arrangements, provide hardship assistance, etc. but they do not actually follow through on those offers.
Consumer complaint received 2021-04-23
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. (AL)

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692
Consumer complaint received 2018-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NE)

Equifax has not been allowing me to get a report directly from Equifax any time I go online. I have called their customer service, I have even send in all the verification information such as DL, paystub, SS #, utility bill in my name and address etc. 

Equifax has the verification process set up to only provide questions that are totally unrelated to the person trying to get access. I have been dealing with this issue for over a year. 

Additionally, they show through 3rd party credit review sources that my credit score is over XXXX yet they told a creditor requesting a line a credit that my score was XXXX, while another creditor they gave a score of XXXX. 

I have to assume that this fraud is purposeful by Equifax. There is no excuse for never being able to get the free annual report through the website. I have upload verification as well as the letter and proof of identity I sent in XXXX 2017.
Consumer complaint received 2024-03-14
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

on XX/XX/2023 i noticed additional charges on my credit card when i rented a room for my ex husband to heal after having a XXXX XXXX. Upon review of my card i noticed an additional {$44.00} of charges ( maxed out my card ) for " smoking ''. 
1 ) I don't smoke 2 ) if i did smoke there was not indication of additional fees charged for smoking or i would of gotten a smoking room. 

I spoke w/XXXX stating I had to contact owner emailing her disputing the charge. In the meantime I had disputed with mentioned credit card and charges were reversed in XX/XX/2023. Then I noticed that the charges were immediately reversed back creating a XXXX credit for dispute. initially the dispute was denied ( due to same ownership I can only assume ). However, I disputed it with documentation also providing the email address as no longer valid. The decision was reversed with Citibank stating i was credited already for the {$44.00}. I am providing you the actual statement that the charges were " reversed ' and credited back to me. According to my calculations it shows a credit was provided and immediately taken back. To my calculations the dispute was NOT credited it was XXXX out. Upon follow up speaking w/XXXX  REF # XXXX she indicated the credit was already credited on statement provided.
Consumer complaint received 2020-10-12
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- STUDENT ACCOUNT 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2023-05-17
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$150.00} ; XXXXXXXX XXXX XXXX Balance : {$20.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX  ) XXXX Balance : {$1100.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX  ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX  ; XXXX XXXX XXXX ; XXXX XXXX XXXX.
Consumer complaint received 2020-09-12
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 (IL)

Hello, I had applied for the AMEX Cash Magnet card on XXXX XX/XX/2020 where they had advertised a bonus of {$150.00} along with 0 % APR for 15 months as on the website. I was pre-qualified as I already had another AMEX card -Blue cash Preferred on my name. 

I was thrilled that the card was approved the same day and did call AMEX to send the card since I had some purchases coming up. After upon receiving the card I had an online chat with AMEX to activate and that's where I was informed by customer service that I will not be eligible for {$150.00} bonus and/or 0 % APR. 

So all this time I was under the impression that the deal was to be honored but was taken by surprise to find this out. 

I lodged a complaint on the dates below and called up again on XXXX XXXX as well to understand what could be the reason of approving the card and denying the {$150.00} bonus benefit along with 0 % APR. After multiple requests and follow ups on phone I still got the same reply from the back office that I am not eligible. The dates are below with case numbers I recorded from AMEX associates I talked to. 

XX/XX/XXXX - Complaint lodged : Case number : XXXX XX/XX/XXXX - Complaint lodged : Case number : XXXX XX/XX/XXXX - Follow up I do not understand the reason for approving me for this card if they didn't hold their end of the deal! 
AMEX knows about my credit history as I have been making full payment on time each month without any issues on another card I hold with them and autopay for full is setup. No late payments or fees ever! 

I am frustrated that they closed the case without having any written communication on this issue about denial of bonus. If I would have known that I know now that AMEX would deny me the bonus and 0 % APR even after fraudulently advertising on their website I wouldn't have applied for this card!

This is showing how the big banks and Credit card companies are cheating ( little guys ) customers and not adhering to business ethics that has been flat out thrown out of the window. I don't know how many customers just like me must have not known about this and gone ahead using this card and then found out that they were denied the bonus. 

I hope to have a positive outcome on this case as I believe that this has been a betrayal on AMEX 's part. Your earliest response would be greatly appreciated.
Consumer complaint received 2018-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On Saturday, XX/XX/XXXX, my card was declined at a business I go to regularly for a purchase less than {$20.00}. I knew my credit available for the card was several thousand dollars and when I returned home, it was confirmed. I had over {$15000.00} available credit. I called the credit card company, Bank of America, to inquire about it. I was told a data breach " at a business I may shop at '' had occurred and they had sent out a replacement card to me on XX/XX/XXXX and should have received it by XX/XX/XXXX. That is a separate issue with BOA as they should have my current address. Anyway, when I inquired as to what business had the data breach, I was informed that because of privacy laws, they could not tell me. Is this true? Can a data breach occur at a business without letting consumers know that a data breach had occurred? There were no bad charges on my card and I used that credit card for purchases 11 times AFTER XX/XX/XXXX. As a consumer, this doesn't seem right that we are not allowed to know the name of a business we use has had a data breach.
Consumer complaint received 2016-03-31
Product: Credit card — 
Issue: Advertising and marketing — 
Company: IMC Capital, LLC (CA)

I received an unsolicited offer of credit with a pre-made credit card with my personal name and company name on it, requiring only a phone call to activate. My concern is that this card offer could be intercepted and activated by anyone, who could fraudulently and easily obtain {$150000.00} credit in my name. I assume this same offer has probably made to many others. Issuing company : IMCA Capital
Consumer complaint received 2017-03-15
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NJ)

wells fargo is the heridator, assignee, heir of banks I held certificates of deposit and othere accounts. they refuse to honor payment of certified checks and/or certificates of deposit held by the prior institutions. they do not respond to questions, rather than to say it is n't their problem because records do not have to be maintained. in the meantime I am out XXXX figures originally set aside in cd 's for the higher education of my children. as well as a XXXX figure certified check they cashed remanding the money to someone I have no contact with.
Consumer complaint received 2020-10-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

On XX/XX/2020. I made an agreement with Portfolio RC for a lesser amount to pay {$150.00}. 40 to pay my debt off, they agreed to have it removed from all 3 creditors and it is showing closed on my account.
Consumer complaint received 2018-06-11
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Equitable Acceptance Corp (OK)

XX/XX/XXXX till now which is XX/XX/XXXX they are taking out XXXX a month to help me pay my school loans. Which they aren't I have talk to my school loans and they have said if I paid someone to help which it would be a scam.
Consumer complaint received 2018-06-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

Originally I applied for loan modification and was denied. I listed my house for sale ( its short sell since I owe more than what the house is worth ) and had couple of offers and non of them were accepted by the bank, they said they were too low. My agent finally found a buyer with a higher offer, we have sent all the required forms and items to the bank and appraisal was done on Friday XX/XX/XXXX, I have asked the loss mitigation ( XXXX said she is not willing to postpone sale unless she gets the appraisal, well the appraisal was ordered by the bank and not me, she is responsible on getting that, there is nothing I can do, I have done my part. She needs to postpone the sale in order to allow time to get the appraisal. Sale date is XX/XX/XXXX.
Consumer complaint received 2015-03-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Global Trust Management LLC (FL)

CLOBAL ONE ISCALLING MY CO-WORKERS AS WELL LEAVING NOTES TO THEM HARRASSING ME AM TRYING NOT EXPLODE ON THEM ON MY JOB. USING DIFFERENT NUMBERS EVEN GOING TO MY MOTHER 'S HOUSE WHEN I THEM TOLD THEM I DO N'T STAY THERE. THEY BEEN CALLING ME FROM XXXX,XXXX,XXXX XXXX AND XXXX. THE XXXX NUMBER SHOULD BE THEY MAIN NUMBER. I WISH I COULD SUE THEM FOR HARRASSING ME ON MY JOB CALLING ME XXXX TIMES.
Consumer complaint received 2022-01-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (MT)

ON XXXX XX/XX/2021 I've initiated 2 money transfer using REMITLY to XXXX. The amount in XXXX is Payment Details Submitted XX/XX/2021 XXXX XXXX PDT AND the second one Submitted XX/XX/2021 XXXX XXXX PDT Reference No. XXXX XXXX XXXX XXXX AND XXXX XXXX. XXXX Delivery XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Available XX/XX/2021 XXXX XXXX PDT XX/XX/2021 XXXX XXXX XXXX Payment Method XXXX XXXX XXXX XXXX Acct. ending in XXXX Amount Sent XXXX XXXX  AND Fee XXXX XXXX Total Amount Charged {$1700.00} XXXX Net Recipient Amount R {$10000.00} XXXX XXXX Rate 1 USD = XXXX XXXX AND Amount XXXX XXXX They receive XXXX XXXX Sent on XX/XX/2021 Remitly may earn revenue from the conversion of XXXX to other currencies. 
THE AMOUNTS WAS NEVER DEPOSITED AND SINCE THEN I HAVE BEEN CONTACTING REMITLY FOR MY MONEY BACK AND THEY KEEP SAYING THEY DONT KNOW B/C THE MONEY WAS TRANSFERED TO THE PARTNER BANK THAT IS NOT RESPONDING TO THEM AT THIS MOMENT AND THEY ARE AMKING ME WAIT FOR ALL THIS TIME.
Consumer complaint received 2019-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (OH)

this is with PNC bank where I obtained a home equity first mortgage loan on my condo 4 years ago. One of the conditions of getting the rate was to have the  payments automatically deducted from a PNC checking account. They indicated to me verbal and on a written document that as long as the checking account is linked to this type of loan that I would not be charged fees on having a low balance. My payment is XXXX a month and every quarter I deposit about XXXX to cover 3 months payments. I have another account where I do my day to day checking so I only use this checking account for making payments to this mortgage. I recently received a bank statement that had a fee for a low balance. I never been late on a payment and never overdrafted this account. An employee at the bank informed me that the bank changed their policy on linked accounts. They should not do this to accounts that were previously established on the conditions of linking accounts for making payments.
Consumer complaint received 2019-05-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (NC)

Since XX/XX/XXXX I have been paying home insurance ( XXXX XXXX ) and also paying escrow to my mortgage company ..XXXX sold my mortage to PHH XX/XX/XXXX.I have ask numerous times to be refunded and then was told the case was closed and they would only pay for 2 back years totaling {$5000.00}. Now they have left it up to me to fight the Insurance company XXXX ( XXXX ) whom they use. XXXX XXXX has records of my payment and there paying the mortage company also>I have since asked to be de escrowed told I wasn't eligible. after turning them over to the NCDOJ they are now looking into it again. 
My mortage payment is around {$460.00} my insurance ( escrow ) is  {$430.00} big problem here. I want to be de escrowed and my over payments returned..by whomever is responsible. 
I have had numerous conversations and get the run around each time and someone different each time. Thank you for any help.
Consumer complaint received 2023-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (FL)

Since I got this mortgage with chase, they report it to the credit agencies as revolving debt, like a credit card. They also tell me that I am not paying the principal amount fast enough since the first month of the loan, even though I pay exactly what my mortgage bill says to pay. I have a letter from Chase stating debt is reported as a mortgage but on my chase app it says just the opposite. Because of this I have lost XXXX points in my credit score even though my record now is better than it was before I got this mortgage. My car loan is reported the same way, with revolving debt and not as a collateralized loan. Nobody at chase I've talked to can answer any of these questions.
Consumer complaint received 2019-05-15
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

I received a call didnt recognize the number so I contacted the number back. I verified my name and phone but the representative REFUSED to tell me why they were calling wanted me to verify my social and date of birth or address told her I was comfortable verifying that information until I knew why they were calling she said she just needed to me verify my address. I verified but she then said she had to have my social and date of birth told her I didnt want to verify that information until I knew why they were calling she again refused. I told her to contact my attorney she said she couldnt take that information that she would ha XXXX to call my back. Her name was XXXX XXXX.
Consumer complaint received 2018-06-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

To Whom It May Concern : This letter is being sent to you in response to a listing on my credit report. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.