davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-11
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 (NC)

My name is XXXX XXXX. I had an American Express Delta Gold Skymiles credit card and received emails in XXXX offering an additional XXXX sky miles and XXXX MQMs if I upgraded to their Delta Reserve card. 

I did this upgrade on their website and have never received the miles. Minimal spend requirements were met within the three month term period. 

When I called inquiring as to why I have not received, I was initially told that I did receive the promotion and that I would see within 8 weeks post completing the minimal spend. Was then told on the same call that she provided me the wrong info and that I didnt have the promotion. 

After placing me on hold three times for well over half an hour, I was told that I would not be receiving the promotion because I didnt apply for it correctly. I have emails and mailing offering the deal and was clearly misled. They tell me there is nothing that they can do except offer me XXXX miles for my trouble. 

This is unacceptable! I upgraded and paid an astronomical annual rate because of this deal, and am now told that I am out of luck. This is not fair to the consumer, and I believe that the offer should be honored. 

I have twice requested a manager call and have not yet received XXXX.  Apparently, American Express rewards department will not take calls from customers. 

Please help me resolve this, as this type of issue is not fair to consumers. They have no issue taking their XXXX annual fee, but will not honor their own promotion. Please help me! Thank you.
Consumer complaint received 2024-04-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (WA)

My bank account with chime has had several unauthorized payments for XXXX services that created an issuance of a new debit card. While waiting for the debit card I was without XXXX to my funds so tried to send money via chimes pay anyone service within the chime app On XX/XX/24 XXXX and on XX/XX/24 XXXX was sent to accounts that were never activated and the money was never received. So XXXX of my money hangs in virtual space with no way of retrieving the money. I have called and pleaded with chime customer service 4 times only to be told nothing can done. I have contacted the individuals who have chime account and they said they never received any money. 

I'm asking that this money be returned to me because the funds were never claimed. I am currently waiting on another debit card because of fraudulent activity perpetrated by a few individuals I was helping out who got access to my phone and attempted to steal my money from chime. 

My wallet was taken while helping XXXX homeless women with rides and a temporary shelter in my vehicle which I recently purchased. I have used pay anyone service because I was in a desperate situation and feel that since the funds have never been claimed chime should be able to verify this transaction and confirm that the money is still sitting in these inactive accounts
Consumer complaint received 2019-02-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (FL)

On XX/XX/2019 Midland Credit Management left a letter ( pre-legal notification ) at my front door concerning a XXXX XXXX credit card account. I do not have an account with this credit management company. I previously requested them to provide me the name and address of original creditor, copy of the original signed contract, delegation of authority, and a complete accounting / statement of payments with interest and fees associated with the alleged debt with them. I have not received any information from my request except their letter of intent to direct this issue to attorney, if I dont contact for a debt that I did not contract with them.
Consumer complaint received 2024-02-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

I had a credit card with Citibank for 9 + years. On XX/XX/XXXX XXXXXXXX  I was trying to buy a plane ticket by phone with XXXX. The person who answered said " reservation can I help you '' from there I continued with the process and then realized that it's not the right company at the last minute when the man on the other line said " I am going to send your info to reservation desk. I answered : what I thought I was talking with an agent of XXXX, he said that we do reservation for XXXX, this is a flight reservation service and handed up. I called XXXX immediately and was told that they didn't have no record of the reservation I just made and I had to re-book and pay again. I called Citibank credit department and was asked to wait for the transaction to be posted and then dispute it / file a claim what I did on XX/XX/XXXX. They spent days before trying to do something, they credited my account and debited it for the same transaction more than three times. the process last more then 6 months. At the end the account was closed with only this transaction / amount and now they are still charging interest on it, even after their fraud department said that I wasn't responsible for the transaction.
Consumer complaint received 2024-01-16
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Larry H. Miller Group of Companies (MI)

My primary Doctor wrote a letter explaining my condition to the dealer and XXXXXXXX XXXX. 
I turn the car in on XX/XX/XXXX  with the letter. My lawyer at the time inform me that would be the right thing to do. He has retired now, I have paid {$1300.00} for the one year I had the car, at lease that what Prestige Financial have shown on the paper work. So I'd owed {$18000.00} at that time and then they sold the car for {$11000.00} but they want me to pay {$16000.00} even those they sold the car I should only owe the different, Which should be only {$7100.00}. It is fraudulent to try to make me pay more, please let them know that am not foolish enough to go long with their scam.
Consumer complaint received 2019-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

I got involved in to a scam i use my chase account transferring money using XXXX to a person whos was supposted give me a job I transferred XXXX dollars but I realized that it was a scam I call chase rigth away to cancelled the transaction I call the fraud department and they told they can do nothing and the transaction was still pending I lost my money chase didnt help me I call the police and  make the report and even The Police say how can chase could do anything about it, this happend on XX/XX/2019 please if someone can help me its a lot of money I been banking with chase for more than 8 year my imail is XXXX. I got in to XXXX XXXX drink scam is sad that people can still money. I got a check for XXXX dollars and I got told to deposit and take XXXX dollars for my first week and I was supposed to transfer XXXX back for my car to be detail sad they lie I lost money and I told all this to chase and no help from them
Consumer complaint received 2015-11-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

I have a mortgage with HSBC and have been paying for 12 years. When things got difficult I applied for a modification and they issue a temporary modification. I have been paying my account and kept it current for over six years. I requested from them to offer a permanent modification since the rates were low as the interest I have is 8 % but they refused. I request for a refinance and that was not an option either. In XXXX of 2015 I learned that they have not been reporting to the credit bureau so there is no record of my making payments to them for 12 years. I contacted them in XXXX and requested for them to report so this way my credit score will increase and I will be able to refinance. On XXXX 2015 I started to refinance and once again learned that there is no record of my mortgage with HSBC since they are still not reporting and this makes things more difficult when there is no record. I have once again contacted HSBC and requested for them to offer a permanent modification with a lower interest and I was denied. Instead the send me a letter offering me to do a short sale or Deed-in-Lieu and I am offended by that offer since my account has not been past due for over six years. This practice for any Financial Institution should not be allow. Please advocate so all other customers who are experiencing the same can also be benefit and our credits will improve once they report to the credit bureaus and will give us the option to refinance and qualify for a low interest rate.
Consumer complaint received 2024-03-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CMG MORTGAGE, INC (IN)

I logged into check on my escrow on XX/XX/XXXX, as State Farm informed me that my homeowners insurance premium was raised and I wanted to ensure that CMG ( my mortgage servicer ) had the updated amount. Upon investigating I saw that my escrow was short. I looked back and saw that CMG made 3 different payments to my county for taxes. My property tax burden for XXXX payable XXXX was {$4000.00}. On XX/XX/XXXX CMG shows that {$2000.00} was paid to XXXX XXXX XXXX. Then on XXXX XXXX CMG sent {$1900.00} and another payment on XXXX XXXX for {$2000.00}. I reached out to XXXX and their chat feature and was told the second payment was due to delinquent taxes from XXXX. This was incorrect, as I have my records that show no delinquencies. Upon calling XXXX XXXX 's treasurer it was revealed that CMG was not paying my taxes in installments. So they took the {$2000.00} on XX/XX/XXXX and did not send it to XXXX XXXX. I know this because when I called the clerk informed me that CMG sent a payment on XX/XX/XXXX for {$4200.00}, due to them not paying the first installment in XXXX of XXXX it incurred a {$200.00} delinquent penalty. This is odd because they took the first installment from my escrow in XXXX of XXXX but held onto it behind the scenes and then sent a lump sum in XXXX of XXXX. As a result of them doing the behind the scenes holding of money, XXXX XXXX reached out and informed them they were delinquent on my taxes and as a result of that letter CMG paid twice in XXXX of XXXX. As a result there is ~ {$2000.00} missing from my escrow. I called CMG on 3XX/XX/XXXX and brought the issue to their attention and they said they will investigate but overall they were not helpful.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

I disputed an account that does not belong to me. Experian responded telling me that they have verified the debt, despite the debt not belonging to me. I asked experian to provide any and all information they used to verify the debt, and they did not provide any documentation whatsoever.
Consumer complaint received 2020-11-13
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. (TX)

I am writing to dispute the following information in my file resulting from the crime because I am a victim of identity theft. I have listed the accounts I need to dispute on the attached copy of the report I received. The account I am disputing do not relate to any transactions that I have made or authorized. Please remove these accounts at the earliest possible time.
Consumer complaint received 2017-02-11
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: LTD Financial Services, L.P. (NE)

I have received a letter from LTD attempting to collect a debt that is over 7 years old and past the statute of limitations thus violating the Fair Credit Reporting Act. The original Creditor was XXXX XXXX XXXX XXXX who I have successfully disputed from XXXX of the XXXX credit bureaus.
Consumer complaint received 2024-04-19
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One credit card closed my account XXXX XX/XX/2024 even though i set up a new payment plan on my account. The account was closed and charged off without any explanation and phone call from the credit company. I want to reinstate my account and continue paying my account balance back to XXXX  balance. The closing of my account has a negative impact on my credit report as a charged off account. 
Account type XXXX one card ending in XXXX
Consumer complaint received 2024-04-18
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (VA)

Im aware of the current lawsuit against one Main and I believe that my case falls into this category as well, which is why I have not settled payment with one main. I obtain a title loan with this company who still holds the title to my vehicle The loan amount and the payments are much higher than what I was told at signing Initially, when I called the company, they told me it was for extra products on my account to which I never agreed to This company has been emailing me every single day with settlement offers that are ridiculously high Im unable to pay this amount and refused to pay this amount because this was not the amount that I was told upon signing for the loan
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRUIST FINANCIAL CORPORATION (TX)

these companies have been notified to cease and desist all credit reporting and communication with the consumer. misuse of consumer report is a violation in accordance to FCRA. specific remedy has been demanded pursuant to 15 USC 1692c. ( c ) ( 2 ) failure to comply will result in legal action against all companies in violation.
Consumer complaint received 2020-11-13
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Conduent Incorporated (MS)

My card got suspended and they want issue me a new card they said I had to talk to the fraud department they want never answer the phone I need my card for my unemployment benefits its eppicard please help me get my card unsuspended
Consumer complaint received 2024-01-26
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Management Recovery Corp. (NMRC) (DE)

My initial call happened at XXXX on XX/XX/XXXX with National Management Recovery Corporation . This is a Third Party Collections Agency that XXXX XXXX XXXX sold my payday loan to.

I would actually like to complain about rude customer service as well as being threatened that they would take legal action against me. 

I called in on XX/XX/XXXX at XXXX to ask if I can make a payment arrangement for XX/XX/XXXX for {$610.00} debt with XXXX XXXX XXXX XXXX The man on the phone said no and then proceeded to be very callus and mean to me stating how I let the loan sit for 2 years and it is being escalated to an attorney. I then replied that this was a yes or no question and all the rest was not necessary. I then went on to ask if I could pay something this month. Before I could finish my question he hung up on me. I called back and asked if he hung up on me. He said yes because I was being very nasty to him. I told him I would like to speak to someone else. He said he is the buyer and said he is the only person I can speak to. I then hung up because I knew the call wouldn't get anywhere. 

I then called XXXX XXXX XXXX and let them know of the situation. The woman I spoke to escalated it to her manager and told me she would give me a call. XXXX who is the manager called me and I explained what happened. Her tone came off as if I did something wrong and she then went on to tell me that I should only deal with her regarding my loan. 

Today on XX/XX/XXXX I called XXXX because I needed to rearrange my 2 payments. One payment was set up for XX/XX/XXXX and the other was set up for XX/XX/XXXX. I have many bills that take priority over XXXX XXXX. I needed to change my first payment to XX/XX/XXXX instead of XXXX. I wanted to do {$50.00} payments every Friday starting XX/XX/XXXX. She then became mean and nasty to me saying that we already set the payment up for XX/XX/XXXX and if I don't pay it on the XXXX they will sue. So I did not change my payment plan during this call because I was afraid they would sue me which really didn't make any sense if I am setting up a payment plan. 

Just now at XXXX on XX/XX/XXXX I called XXXX back to proceed with changing my payment plan. I told her that I was recording the conversation. She then all of a sudden became nice and said I can call mid XXXX to set up a payment plan for XXXX. 

I would like this collection agency looked into because it seems like their behavior is illegal. I also wouldn't want anyone else to have to go through this.
Consumer complaint received 2021-01-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (SC)

I've included all companies involved. XXXX, Equifax and XXXX  including all creditors. 
Fraudulent Items within my credit report : XXXX XXXX Account # XXXX for {$110.00} XXXX XXXX Account # XXXX for {$94.00} XXXX XXXX- Account # XXXX for {$65.00} XXXX XXXX- Account # XXXX for {$82.00} XXXX XXXX Account # XXXX for {$160.00} XXXX XXXX- Account # XXXX for {$220.00} XXXX XXXX Account # XXXX {$1600.00} XXXX XXXX XXXX Account XXXX XXXX {$470.00}
Consumer complaint received 2016-03-01
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (GA)

I 've received a letter from Midland Credit Management regarding a payment offer, which is dated XXXX/XXXX/XXXX. Prior to this, I was unaware of any collections lodged against me by Midland Credit Management until I received this letter. I then ordered copies of my credit reports and noticed that Midland Credit Management has an account on each credit bureau 's report and the information contained within each report concerning Midland Credit Management varies from bureau to bureau and therefore, is inaccurate. 

On the XXXX report, the 'original lender ' is reported as Midland Funding Llc and the 'date assigned ' is listed as XXXX, XXXX. However, this is inconsistent with the XXXX and XXXX credit agencies ' reports which lists XXXX as the 'original lender ' with a 'date assigned ' as XXXX, XXXX. The account number is omitted from the XXXX report and the account number is encrypted in XXXX and XXXX reports. 
I have never personally opened an account with Midland Credit Management, nor have I ever accepted any extension of credit from Midland Credit Management, and I have never done any business whatsoever with this company. 

By reporting to the credit bureaus as the 'original lender ', Midland Credit Management is in violation of the Fair Debt Collections Practices Act ( FCDPA ), and my rights as a consumer, to fair and accurate information furnished to the credit bureaus, which is then reported to my credit file and contained within my credit report. Further, Midland Funding listing itself as the 'original lender ' on my credit reports is a misrepresentation of the facts, as it is not the 'original lender ', but a debt collection agency. According to the FCDPA, " the use of any false representation or deceptive means to collect or attempt to collect any debt '' is abusive and is prohibited by debt collectors such as Midland Credit Management, Midland Funding, et al., that lurk as original lenders or original creditors.
Consumer complaint received 2024-02-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (TX)

Around XX/XX/year>, I was notified by an alert on EdFinancial that my student loans were on administrative forbearance. I contacted EdFinancial to determine why, and after three weeks, EdFinancial finally responded by email saying it was due to the XXXX plan. Upon researching, I found that EdFinancial had to put my loans on admin forbearance because, like many others, I never received a monthly billing statement after the COVID forbearance.

Additionally, EdFinancial had incorrect information and incorrectly placed me in to a different payment plan. As a victim of known name identity theft, it was concerning that EdFinancial had very false information about me. An agent was able to verify my correct information and place me back in to my previous payment plan.

Congruently, EdFinancial was charging interest and letting interest accrue on my student loans. This goes against the XXXX XXXX via memo in XX/XX/year>. During phone and email correspondences, EdFinancial agents were unsure how to handle the accruing interest and ensure that interest was removed during the administrative forbearance. 

I request that EdFinancial performs an audit on my student loans and deduct the accrued interested from the loans. Payments were made on the loans during the forbearance and additional interest may need to be deducted from the balance due to the interest being calculated and paid in lieu of appropriate principle only payments.
Consumer complaint received 2024-05-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: PENNYMAC LOAN SERVICES, LLC. (PA)

I called Pennymac on XX/XX/year> and advised them that we were having an income reduction and were looking to see what could be done so our credit was not effected. 
We were told that once we missed XXXX monthly payments that we could apply for a forbearance that would take XXXX payments and add them to the end of our loan. It would also have no effect on our credit. 
We got a letter from Pennymac stating that we had a payment due on XX/XX/XXXX. I called them to see why and was told that they agent that I spoke to on XX/XX/year> gave me the wrong information and that my credit was going to be effected and that there was no 12 month program. The person I spoke with even saw the notes that the person left on XX/XX/year> showing what she told me. This has XXXX effected our credit and even worse at a time when XXXX of our children needed a XXXX XXXX co-signed for.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Security Credit Services, LLC (TX)

The report shows I currently owe money to your company that I have already repaid. 

o The date of first delinquency on my report is not accurate. 

o My student loan shows a period of delinquency when I was actually in an income-driven repayment plan.

o Im the victim of identity theft and I dont recognize one or more of the accounts on my report.