davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: U.S. BANCORP (CA)

I opened a US Bank business checking account with the following promotional terms : " Earn {$500.00} when you open a new business checking account and complete qualifying activities. Open a new U.S. Bank Silver, Gold or Platinum Business Checking Account with the promo code XXXX. Deposit {$5000.00} in new money within 30 days of account opening and maintain for 60 days. Enroll in the U.S. Bank Mobile App or U.S. Bank Online Banking within 90 days of account opening. Complete XXXX qualifying transactions within 90 days of offer enrollment ( Debit card purchases, Merchant deposits, ACH credits, Wires credits/debits, Mobile Check Deposit or Bill Pay ). '' I met all these requirements by depositing a total of {$5000.00} ( including an initial {$100.00} opening deposit ) within the 30 day period as well as completing the transactions. 

However, US Bank is not honoring the bonus, because it is claiming that my initial opening deposit of {$100.00} does not count towards the {$5000.00} in " new money. '' Nowhere in the bonus terms does it say anything about an initial deposit not being " new money '' and thus not qualifying. This is thus very confusing and unfair wording and I'm sure caused not only me but many others to miss out on this bonus. 

I am requesting US Bank honor the bonus as this requirement was not at all clear in the bonus wording.
Consumer complaint received 2022-08-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

I began questioning this organization in XXXX XXXX XXXXXXXX into XXXX and this supposed obligation has been influencing my credit. The obligation authority hasn't given verification that the supposed obligation has a place with me. This is the fourth time this obligation was sold in the wake of demonstrating that this supposed obligation isn't mine because of the organization 's deficient evidence and a duplicate of a printout bill isn't verification this is influencing my capacity to get another home. I don't have any idea why I'm being dealt with this way.
Consumer complaint received 2022-08-20
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: ENCORE CAPITAL GROUP INC. (TX)

I have identified information on my consumer credit file that is a direct result of identity theft. These items on my consumer report are not related to any transactions authorized by me. There are variation of companies name, account numbers are incomplete, variations of balances. My Social Security number, my date of birth and other sensitive information has been compromised by all three major credit reporting agencies which include XXXX, XXXX and XXXX all three agencies have had data breaches. I have disputed with the company and all credit bureaus only to be denied even while reporting Midland Credit Management they are breaking FCRA Laws. Some of their variations of names are : 1. Midlandcre 2. Midlandcred 3. Midland Credit Management 4. Midland Credit Management Inc. 
5. Midland Credit Management LLC This tactic is a devious high tech scheme to try to keep uneducated ( to the law ) consumers in bondage. 
On XX/XX/2022 my credit score plummeted over 100 points. Midland Credit Management for months have reported willful, erroneous, illegal, fraudulent items on my consumer credit report. It has cost me a great deal of grief, money, time and stress. It has affected my health, my credit score has decreased, for years denied credit, denied employment, denied housing opportunities and loans. 
SEE ATTACHMENTS
Consumer complaint received 2022-12-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (HI)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. 
Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2021-02-24
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. (CA)

I received a response from Equifax re : Conf. XXXX. It fixed most of the issues but did not resolve the XXXX issue. The dates are still inaccurate and all over the map. They and XXXX need to fix it. How many times do I have to provide the same information for both to pay attention, read what is sent, absorb it and get the hint that I'm continuing to catch their errors? I'm just not clear on why they can't see what's right before them. I want it fixed and I'm not backing down. They can't seem to fix it so remove it! That's a fair resolution in my book. Otherwise they risk my suing them.
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (VA)

Equifax, XXXX and XXXX are REDLINING MY Social Security number. I have seen my scores decrease with absolutely no change in my credit. I have no collections and have not had any late payment in over a Year. I contacted each bureau and was told that there was no change to my credit to warrant a significant drop in my scores. XX/XX/2022 my XXXX score was XXXX. By XX/XX/2022, my score with XXXX was XXXX. By XXXX XXXX my score went up to XXXX. I watched my score decrease without NO Change to My credit. By XXXX XXXX my score had went down to XXXX down XXXX points. I called XXXX and was told that there was no change. Equifax has done the same thing. XXXX XXXX my Equifax score was XXXX. It went to as high as XXXX on XXXX XXXX. By XX/XX/2022, my score decreased to XXXX a change of XXXX points. I verified with Equifax that there had been no change to my credit report. These bureaus are keeping me from reaching lending criteria. Also, these credit bureaus have reported a fraud indicator to these companies that are preventing me from establishing credit. Every company I apply to is saying that my identity can not be verified and there is a risk of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DO NOT HAVE A IDENTITY THEFT CASE OPEN OR PENDING. I DO NOT HAVE A SECURITY FREEZE ON MY SOCIAL SECURITY NUMBER. I DO NOT HAVE A FRAUD ALERT ON ANY OF MY ACCOUNTS WITH THE CREDIT BUREAUS. THIS IS EMBARRASSING AND DEFIMATION OF MY CHARACTER. I
Consumer complaint received 2021-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo suddenly closed my account based on credit usage increase and 30 day late notice on my credit report that was erroneous in nature and is being disputed. I had just finished paying off credit card with a XXXX credit limit. I was a good customer and even took a consumer loan to finance kitchen remodel. They merely closed my credit card account and ruined my credit score based on nothing feasible and fear. They in no way worked with me or asked why credit usage was high ( was remodeling home ). The credit usage was on another card not affiliated with WF.
Consumer complaint received 2022-06-27
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. (MD)

Regarding Equifax response to mailed compliant requesting a reinvestigation into the bankruptcies on my credit report, the response I received in the mail on Thursday XX/XX/22 stated XXXX XXXX was the furnisher and it came back verified. I dont find that response sufficient. I have mailed Equifax a letter of my intent to sue regarding the bankruptcy on my credit report that they uses XXXX XXXX as their furnisher. My letter of intent to sue was mailed via USPS with tracking # XXXX. Not only did I supply Equifax with the XXXX XXXX results showing the bankruptcies came back unverifiable. On the XXXX XXXX results page, that I have already sent, is a website and passcode to pull my most recent XXXX XXXX Report where you can scroll down to the bankruptcy section and see that it has been removed. XXXX XXXX is no longer a furnisher of bankruptcies regarding my self. I also received a letter from the courthouse stating they do not furnish any information to ANY CREDIT AGENCY.
Consumer complaint received 2021-02-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (NC)

On XX/XX/XXXX, I sold my house, and the loan ( with Dovenmuehle Mortgage XXXX Inc ) was fully paid off on XX/XX/XXXX. On XX/XX/XXXX, Dovenmuehle Mortgage sent my escrow refund check of {$2000.00} to the address of the property I had just sold, so I did not receive it in the mail. I called Dovenmuehle Mortgage on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. When I spoke to the representative on XX/XX/XXXX, they told me the check would need to be reissued, and this process would take up to 30 days. On XX/XX/XXXX, I called to follow up, and they said nothing had been done, but they would start the process now of reissuing the check. On XX/XX/XXXX, I was told there had been a hold up with the check, but it would be rushed to be mailed out. On XX/XX/XXXX, I was told that no check had been sent but that one would be reissued. On XX/XX/XXXX, I was told that the check was in the process of being mailed out, but being that it takes 30 days, it would be another couple of weeks. I called on XX/XX/XXXX and was told again that it was still in the 30-day process and would be in my possession soon. On XX/XX/XXXX, I called to follow up, and I was told that none of this was true, and a check was actually reissued on XX/XX/XXXX. I never received anything in the mail, and each supervisor I spoke to before XX/XX/XXXX had said a new check was not reissued on XX/XX/XXXX. On XX/XX/XXXX, the supervisor said the check would be reissued again, but I have been told this several times at this point. There have been many discrepancies between what I've been told by each supervisor. 

It has been months, and no progress has been made. I have called numerous times, spoken to numerous supervisors, and I still have not received my escrow refund check. Dovenmuehle Mortgage , Inc has well passed any deadline to reissue my escrow refund in a timely manner.
Consumer complaint received 2021-02-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC (MA)

My mortgage is with Gregory funding previously to them XXXX XXXX had the loan and I guess Gregory funding got of hold of it ever since Gregory funding has had my mortgage I have had fees after fees my payments have gone up drastically to a point that its out of control also Ive tried to get help and they have not given me any options like a loan modification or try to restructure my payments noting and now Im afraid of loosing my home after 20 years.
Consumer complaint received 2021-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (VA)

XX/XX/2021 Dear Complaint Department, complaint.consumer finance.gov My XXXX Credit Card was deleted by XXXX because I reported to XXXX  that XXXX had made an error on my Credit Report causing my score to decrease by more than 5 points. I was never late and ensured my bill was paid on time. XXXX reported I owed a larger sum on my XXXX Credit Card in XX/XX/2021. The error reduced my credit score on XX/XX/2021. XXXX didnt consider a payment I made by my personal WF checking account number XXXX for {$500.00} in store on XX/XX/2021. Very disappointed as this was XXXX mistake and when I called it to their attention, my credit score suffered, my open credit line of Credit decreased {$1500.00} and my overall Credit Score was lowered and no longer well above my Credit Score of XXXX. 
Please Help!! 
Thank you. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-11
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. (CA)

Hello, there are accounts with XXXX XXXX that are not mine, these accounts are fraudulent and are not in my name. I have contacted XXXX and they confirmed that these accounts are fraudulent and I am not liable for these accounts. 

This is a formal dispute on these accounts since they are the result of fraud. Please cease and desist all reporting of these accounts as they are fraudulent. 

I have never had a credit card with chase and therefore any account with chase has to be removed.
Consumer complaint received 2021-11-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

hi transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX XXXXransunion has me at a score around XXXX That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXXXXXX XXXXXXXX XXXX daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2021-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (WI)

I am writing without the assistance of any third party company. I am writing this complaint from my understanding of the Federal Law that is presented in my Consumer Credit Contract. I am the consumer, natural person who extended American Express my credit card pursuant to 15 U.S.C. 1602 ( l ) along with my signature XXXX XXXX. In that moment, I created a financial asset pursuant to 12 CFR 360.6 ( 2 ) which is known as a negotiable instrument or promissory note. I was denied XX/XX/2021 by American Express which a direct violation pursuant to 12 CFR 226.2 ( 15 ) ( ii ) defines a credit card account under open-end consumer credit plan, 12 CFR 226.2 ( 20 ) open -end credit, 16 CFR 433.1 which defines consumer credit contract, and the consumer, 16 CFR 433.2 which states NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER., and 16 CFR 433.3 which defines a open-end consumer credit contract, what open-end credit means, as well as defines contract which is a consumer credit contract. American Express has committed aggravated identity theft pursuant to 18 U.S.C. 1028A. I have sent several Affidavits, Notices, and Invoices to settle the matter privately yet I have received no response. Today, XX/XX/2021 I spoke with XXXX ID # : XXXX a supervisor representing American Express who informed me that he is unaware of the federal laws stated above and could not assist me unless I reapply and become a victim of their fraudulent practices once more. Ignorance of the law is no excuse!
Consumer complaint received 2021-02-24
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. (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I have repeatedly requested the credit agencies to remove the unknown and incorrect addresses from my consumer report, yet they still remain. Pursuant to 15 USC 1681 ( a ) ( 1 ) - the banking system is dependent upon my consumer report being fair and accurate. After reviewing my consumer report, it has come to my attention that Equifax continues to report inaccurate information was furnished, and I was never notified during the company 's initial investigation that they were going to report this information.
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have repeatedly requested the credit agencies to remove the unknown and incorrect addresses from my consumer report, yet they still remain. Pursuant to 15 USC 1681 ( a ) ( 1 ) - the banking system is dependent upon my consumer report being fair and accurate. After reviewing my consumer report, it has come to my attention that XXXX continues to report inaccurate information was furnished, and I was never notified during the company 's initial investigation that they were going to report this information.
Consumer complaint received 2021-02-24
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. (NY)

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENTITY THEFT.
Consumer complaint received 2022-08-20
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (VA)

Account ( ... XXXX ) I made three purchases that were " held '' buy the company when I was trying to send my cousin some clothes for a new job. I cancelled those transactions as they were hung up in the system. Also once I made a mistake on the address and they had to cancel. Eventually, she received her order billed on XX/XX/XXXX. 

My issue is with the three pre-authorizations created XX/XX/XXXX through XXXX. I confirmed the orders were cancelled with XXXX XXXX. 

They are still " holding '' my account hostage 8 weeks later. I tried to call the credit card folks but they kept shuffling me around and half the time I ended up in customer service. I have tried calling numbers given to me, but they end up in an automated queue to check balance and so on. 

I have left messages on the website too. Just no response that is helpful. I have attached the reply XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$240.00}