davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-16
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One ran promotions to give $XXXX bonus for opening new Money Market Account and fund it for 90 days with a balance of $XXXX.I responded; opened an account - received an email confirming on the promotion code having been applied to the new account.5 months on - now the bonus was not credited - upon inquiring Capital One Bank representative is informing me that I was not eligible for the offer. My questions to the bank:- as per promotion the bank is expected to comply with the bonus offer that was advertised with promo code 'EARN500' - - your email upon opening the account, while acknowledging the promotion code, did not specify any restriction or indication that the bonus would not be applied.- there has never been any communication from the bank about the promotion code not being applicable, therefore I have been led to believe the promotion will be honored.attached is the email sent by Capital One bank upon opening the account and the chat transcript.
Consumer complaint received 2019-08-12
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (NY)

I purchased a sofa at a XXXX XXXX retail location. When I purchased the couch I was told that I could open up a store credit card account ( Comenity ) and receive 0 % interest fees for one year. I signed up for the credit card and made my purchase. After making my first few monthly payments I realized that I was being charged interest. I called XXXX XXXX, they said that it was a problem for the credit card servicer Comenity. I have now spent several weeks with Comenity but they refuse to refund the interest charges or put me on the 0 % interest plan that was advertised, they are saying that it was XXXX XXXX 's fault when the account was created. But when I call XXXX XXXX they say it's a Comenity Bank issue. Due to this neither one of them will take responsibility for the problem and fix it. I wanted to be refunded for the interest charges and put on the program I was promised.
Consumer complaint received 2020-05-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P. (CA)

COLLECTION AGENCIES DEMAND PAYMENT ON ACCOUNTS OUTDATED PAST STATE OF CALIFORNIA STATUE OF LIMITATION 4YRS OPEN ENDED/ CREDIT CARD ACCOUNTS ... SINCE XXXX XXXX, 2015 OVER 5YRS OLD AND NOT MY ACCOUNTS/ NEVER DONE BUSINESS WITH COMPANIES : " XXXX XXXX XXXX XXXX, RESURGENT CAPITAL SERVICES/ XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX ''
Consumer complaint received 2019-08-12
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: ENCORE CAPITAL GROUP INC. (TX)

XX/XX/XXXX Collection Agency and Original Creditor was contacted and asked to remove the false information they were reporting on the ( 3 ) credit reporting agencies.

XX/XX/XXXX Collection Agency and Original Creditor responded with an ooutdated payment stub with incorrect account information ( original creditor is falsely reporting payments made and amount of total debt owed and changed the terms of contract after credit was issued from zero percent interest/zero APR for 24 months ( signed in doctors office XXXX XXXX ) / also violated the Truth in Lending Act by changing the terms of agreements without notice and acquiring a signed document to agree to financial changes ). which is also in violation of the Fair Credit Billing Act for disclosing the incorrect amount ( {$11000.00} ) and by failing to post the payments they received in good faith of clearing the debt. ( I can provide proof of payments made XXXX ) In violation of the Fair Debt Collection Practice Act Section 807 ( 8 ) Collection Agency extended a payoff agreement of 10 % of balance on a Collection Account- after they received ( {$1300.00} ) more than 10 %, months later they left threatening voice messages and filed a case in small claims court to sue for incorrect amount of debt. I was never served papers or received any correspondence to appeal in court. 

Collection Agency is also in violation of the Fair Credit Reporting Act Section 623 ( a ) ( 3 ) they did not provide proof bearing my signature for the debt in question nor did Collection Agency provide a Dispute statement to the credit reporting agencies during this inquiry for validation of debt.

Collection Agency and Original Creditor is being defiant in a personal manner by continuing to show negligent enablement of identity fraud and defamation of character.
Consumer complaint received 2019-08-16
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. (TX)

I was a victim of predatory lending with School XXXX XXXX was sent a letter by XXXX XXXX XXXX informing me that I’m no longer responsible for loans and I have a zero balance. But company refuses to honor the discharge. And I was sent a letter that my dispute was denied by company XXXX. Student Loans Amounts in Total is XXXX   dollars. XX/XX/XXXX loan amount XX/XX/XXXXXXXX. , XX/XX/XXXX XX/XX/XXXXXXXX,  XX/XX/XXXX XX/XX/XXXXXXXX, XX/XX/XXXX XX/XX/XXXXXXXX, XX/XX/XXXX XX/XX/XXXXXXXX, XX/XX/XXXX XX/XX/XXXXXXXX. This has been an on going problem for 10 years. And I would like to be able to get my life back. I’ve reported to all bureaus and was denied of my disputes.
Consumer complaint received 2019-08-16
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Renew Financial Holdings Inc (CA)

XX/XX/XXXX we signed an agreement for XXXX XXXX with XXXX XXXX c/o RENEW FINANCIAL Group LLC for solar panels with XXXX XXXX. There are two separate parcels in XXXX County ( XXXX & XXXX ). XXXX was sold to XXXX XXXX XXXX ( an intermediary I think ) then was eventually acquired by XXXX XXXX XXXX. Renew Financial dropped the financing because they could not contact " XXXX XXXX XXXX ''. I spent hours talking with Renew Financial about XXXX XXXX XXXX but they could not find it and I thought I gave them information. Actually I it was all straightened out in XX/XX/XXXX. In XX/XX/XXXX, I was called by XXXX XXXX XXXX who said we need to get new financing on both projects. I was told Renew Financial could not finance any " completed '' projects. These projects were completed XX/XX/XXXX. XXXX has had the one at XXXX up and running since XX/XX/XXXX. Their true-up was XX/XX/XXXX. XXXX had the one at XXXX turned on XX/XX/XXXX. XX/XX/XXXX was our true-up. Now we have no financing because it is completed. I think Renew Financial should been able to talk to the new owners without my help.
Consumer complaint received 2020-07-23
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: Experian Information Solutions Inc. (SC)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2019-08-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

I have paid my lender for an appraisal and the value came back at {$520000.00} and i have paid down my loan to below 75 % LTV. I have not been late on my mortgage for at least 24 months. I have requested multiple times that my Lender remove PMI since my LTV is 74.85 % now but they are not removing it. They are saying based on the original purchase price my LTV is higher than 80 %. 

My Loan Amount : {$380000.00} My Appraised Value : {$520000.00} I have included a copy of the appraisal as ordered and provided by the Lender and can verifying a property value of {$520000.00}. The Lenders website is also showing a property value of {$520000.00}. 

Please help as the Lender keeps making excuses and not removing the PMI.
Consumer complaint received 2019-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am filing a complaint against Credit Bureau TransUnion for violations of the Fair Credit Reporting Act regarding the reporting of a public record ( XXXX XXXX XXXX XXXX   XXXX ACCT # XXXX. Filing Date XX/XX/XXXX ). 

In XX/XX/XXXX, I requested verification of the above file by TransUmion. They claimed verified. 

Pursuant to Section 611 ( a ) ( B ) ( iii ), I also requested a description of the method and procedure used to verify the accuracy as well as the name of the furnisher of the inaccurate information. 

TransUnion claimed that XXXX was the furnisher of the information. THIS IS FALSE! 

Atch 1 is proof that XXXX XXXX is NOT REPORTING any  public records including bankruptcy. 

Furthermore, TransUnion is in violation of Section 611 ( a ) ( 2 ) ( A ) & ( B ) by not notifying the furnisher of the information of the disputed accuracy. Atch 1 is also proof that TransUnion is FALSELY CLAIMING that they verified the above public record through XXXX as there are NO public records reporting on XXXX. 

TransUnion is also violating Section 611 ( 5 ) ( A ) by not deleting the unverified file from my credit report. 

I am requesting that you investigate my complaint and hold TransUnion accountable. Thank you. 

XXXX XXXX XXXX
Consumer complaint received 2019-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Plus Inc (WY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  WYOMING XXXX  This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed: XXXX XXXX  XXXX XXXX XXXX MD XXXXXXXX XXXX Made by: XXXX XXXX XXXX XXXX XXXX, MD XXXX(XXXX XXXX  I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b(c): Transactions Not Initiated by Consumer. If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. Sincerely, XXXX XXXX
Consumer complaint received 2019-08-12
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: EQUIFAX, INC. (IL)

I have tried unsuccessfully to get my annual free credit check from Equifax for many years. I've never been able to get it from them. ( The other two companies never have a problem. ) Equifax makes you go through the entire process online, pretending that it will be sufficient, and then claims they can't provide the report after all. This is a basic issue that has been going on for years.

But this year, in the process of answering the security questions, both on the government access webpage and Equifax 's own website, every question they asked was about various car loans/leases and mortgages taken out in the past 3-4 years. We haven't done any of that. So every answer to their security questions was " none of the above '', which is very suspect. And as a result, Equifax will not allow any inquiry or dispute, because the security answers don't match and so we keep getting error messages no matter what we do. Long story short : I've tried to report what appears to be fraud/stolen identity to Equifax, both by phone and website, and they refuse to take the information or look into it, or provide me with proof of what they have under my name.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I have no knowledge of the inquires listed below. And the hard inquiries are a result of identity theft and must be removed no later than four business days as per U.S. Code 1681 c-2. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: WELLS FARGO & COMPANY (VA)

This is a new complaint against Wells Fargo Bank N.A , Wells Fargo & Company , Wells Fargo Credit Card Services , Wells Fargo Collections Department , and their involved agents and/or contractors and/or consultants and/or decision makers and it is in response to the misleading and/or non-truthful information made against my person by the above defendants and/or violators of many of my rights and in violation of many laws ( I attached a copy of Wells Fargo Bank feedback in reference to CFPB complaint XXXX which I rejected it at its entirely and I reserve my rights and I reserve the right to respond herein since that feedback contained misleading and/or lies about my person ). Today XX/XX/2019. I am complaining against the ability be named as defendants . I am complaining about their almost daily violations of my rights asserted by the Privacy Act . They are using my information left and right to cover up their retaliation against my person for engaging in protected activities (I complained or reported to regulators and government  about those defendants’ involvement in possible violations of different laws and their own consent orders with the CFPB and OCC . I also complained to regulators and government about their retaliation against my person continuously to the present and other complaints against them were made by my person and all were made with good faith and to defend the public interest first from their greed and corruption ...etc). All what stated in the attached file is rejected at its entirely and they are noticed of my rejection again via the CFPB . Your cover up tools, harassments, involving agents , lies and so many other criminal activities that you continuing to do against me will all fail so you be assured of that . Your Violations against me have serious legal consequences and you will be held accountable for them following role of law which I believe you are not following and your money , your connections , your illusive power will fail front of the role of law and the Constitution and the public and God is with me until you are defeated in a court of law. Keeping your provocations against me will not succeed. I reserve all my rights including the right to sue the violators . All stated herein is to my current state’s belief ,knowledge, and understanding and it is all subject to any correction or any change of any kind by my person or my representative or legal counsel and  at any time and without waiving my rights . Thank you ,Today XX/XX/2019.
Consumer complaint received 2019-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (WY)

This card is issued by XXXX XXXX XXXX pursuant to a license by XXXX XXXX. XXXX is a registered trademark of XXXX XXXX XXXX.XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Application Number XXXXXXXX, WY XXXXWe’ve helped protect your identity.Dear XXXX XXXX:We’re XXXX XXXX XXXX and we handle everything related to the XXXX XXXX XXXX credit card.We received the correspondence you sent to the Consumer Financial Protection Bureau(Ref. No. XXXX). You indicate an application was submitted for a XXXX XXXX XXXX XXXX XXXX credit card using your personal information. You did not authorize anyone to viewyour credit file and state it is a violation of the FCRA. You request documentation validating yourauthorization or the inquiry deleted from your credit file immediately.No account was opened in your name. We requested the credit reporting agencies remove theinquiry from your credit report. It may take up to 45 days for the credit reporting agencies to updateyour credit report.We suggest you take the following steps to help protect your identity: Place a fraud alert on your credit reports. A fraud alert tells creditors to contact youbefore opening a new account or changing an existing account. You can do this bycontacting any one of the consumer reporting companies mentioned below. The one youcontact will notify the others to also place an alert on their files.XXXX XXXX Equifax (CBI) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX, PA XXXX XXXX0XXXX www.equifax.com XXXX File a report with your local police or the police department where the crime tookplace. Many police departments have a special Identity Theft Report that we recommendyou obtain to protect your rights. Visit the Federal Trade Commission’s website (www.ftc.gov/XXXX). It providesadditional information and helpful resources for dealing with identify theft.Please accept our apologies. We’re sorry for any frustration or inconvenience this matter mayhave caused you.If you have any questions, please contact our Account Protection (Fraud) Team at XXXX XXXX Sincerely,XXXX XXXXCompliance Dept. – Consumer Responsescc: Consumer Financial Protection Bureau
Consumer complaint received 2019-08-16
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: Bread Financial Holdings, Inc. (TX)

My XXXX bill was due XX/XX/XXXX; I paid XX/XX/XXXX - 17 days late. They reported me to credit bureaus as being 30 days late. I sent them a message XX/XX/XXXX but received no resolution. I disputed with XXXX, and Comenity/XXXX reiterated the 30-day late payment. I also find I was charged XXXX XXXX XXXX   on my account which I never signed up for.
Consumer complaint received 2019-06-25
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have some of my information that is not accurate on my credit profile. I currently live at XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. I am self employed OWER OF XXXX XXXX XXXX. My DOB is XXXX my SS # is XXXX Please remove the following addresses they are not accurate : XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX CT XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2019-08-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (CA)

FREEDOM MORTGAGE HAS BEEN PRACTICING KITING TECHNIQUES SINCE XX/XX/XXXXWITH MY ACCOUNT. THEY HAVE MANAGED TO PUT MY MONEY IN DIFFERENT ACCOUNTS SUCH AS UNAPPLIED FUNDS AND STATE I AM MISSING PAYMENTS. FREEDOM MORTGAGE HAS ACH OUT OF MY ACCOUNT XXXX  IN XX/XX/XXXX. AND TAKEN 2 PAYMENTS OUT OF MY ACCOUNT IN 1 MONTH. THEN STATE THEY DID NO SUCH THING. AND NOW I AM IN FORCLOSURE DUE TO THEIR ACCOUNTING RECKLESSNESS.
Consumer complaint received 2019-08-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Consultants, Inc. (WY)

XX/XX/XXXXr XX/XX/XXXX Wyoming XX/XX/XXXXPROFESSIONAL RECOVERY CONSULTANTS, INCDate: XX/XX/2019 Acct # XX/XX/3840 To Whom It May Concern: This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act (FDCPA), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Your legal staff will agree that compliance with this request is required under the laws of Wyoming and Federal Statutes. In addition to the questionnaire below, please attach copies of: • Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. • Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities. Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home by you or your agents or assigns I require compliance with the terms and conditions of this letter within 30 days or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate County, State & Federal authorities, the XX/XX/XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion. Sincerely, XX/XX/XXXX