davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-22
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: Experian Information Solutions Inc. (NY)

During the global shutdown do to covid 19, I was not being payed and waiting for government assistance to kick in. Everything was backed up due to millions of claims at one time. I was late on a payment to my credit card company " XXXX XXXX '' based in XXXX XXXX. They offered a program to forgive late payments or no payments due to covid 19 at the time. They did not call or email about this offer. I found out simply because I called on my own to say I was having problems due to covid and if they could take it off my record, like all my other credit card companies offered with no problemor hesitation. I was told they would take the late payment off my account and they never did. I've tried to dispute this over the phone and through the credit bureau over 10 times now. They still have not taken it off. Its terrible they would do such a thing during such a tragic and hard time. This company is terrible!
Consumer complaint received 2021-06-29
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: EQUIFAX, INC. (MN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-06-28
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: Experian Information Solutions Inc. (NY)

Experian has been unfairly and poorly reporting my credit report to lenders and companies. I know that their information is incomplete or they are too lazy to make the updated correction. Yes I have tried to speak with someone over at Experian but their automated system prevent you from speaking to a live person. Their online presents is not as efficient as say XXXX, XXXX.My Credit score with every other credit bureau is over XXXX. I would even understand a high XXXX score for them but XXXX when you compare my payment history/ utilization is under 5 %. length of credit is over 10 years and in good standing. I have been very careful and responsible so why is my score so low? I am starting to think there is an underline cause that is not right. So before I take things to the next step calling lawyers let us see if your company can mediate a fair score for all my years of hard work. I Applied for a XXXX XXXX and got denied due to Experian report.
Consumer complaint received 2021-06-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (IL)

I received a call from Credit Control asking to pay a debt.I had received a letter in the mail a couple months ago and I responded with a dispute and validation notice. I did not hear back from them. They called today on XX/XX/2021 and informed me that I had an overdrawn checking account I owed {$69.00} on. I have never had an acccount with this bank. She gave me the account numbers and number for the original creditor. 
The company Credit Control sent me back to XXXXXXXX XXXX for an overdraft account. I reached out to XXXXXXXX XXXX and sat on hold for 2 hours. Finally I was able to get a XXXX XXXX on the phone. I explained on the phone that we had never had an account with XXXX XXXX. She put me on hold and got a supervisor named XXXX XXXX ( collateral liquidation Supervisor ). XXXX informed us that the account appears to be associated with a XXXX. She said that XXXX name does not even appear on the account. Credit Control was asking for the last four of my social security number and sending me collection notices my name did not even appear on. Not only did they disregard my request for the validation and Cease and desist they were attempting collection efforts for a corporation out of California on a XXXX  number that contained neither my social security number or my name. Information I was able to obtain from XXXX XXXX at Credit control was an original account number of XXXX and a credit control account number of XXXX. This account does not appear on my credi at this time. I do have concerns that they have added my social on after having me verify by phone. XXXXXXXX XXXX  has confirmed this is NOT my account
Consumer complaint received 2023-07-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NH)

On XX/XX/XXXX a customer sent me a check for services, under the email of XXXX This was the first time I ever dealt with e checks, so I deposited following the steps provided by my bank. 

I immediately noticed, after depositing, that the amount was wrong and more then what they said I would get. & eventually started spamming me that they needed the refund asap. 

I also noticed that the name on the check was different then thier name. 

Originally contacted through XXXX under the name of XXXX XXXX the deal was I would help them program a XXXX XXXX for {$300.00}. ( They deleted the XXXX account they had already ). They sent me a check for {$500.00} instead. Under XXXX XXXXXXXX XXXX located in Texas. 

I have copied of the checks and the original email still. 

The phone number they used to communicate with me was : ( XXXX ) XXXX I still have all interactions saved from here. 

So I told them I'd refund them in a few days once the bank cleared the check just in case it bounces, to protect myself and they were saying that e-check are instant and work differently then checks. 

I XXXX this and found this statement to be untrue but I told them I would call my bank and explain the situation and would only refund them if the bank gives me the ok. 

So later in the day I called Chase bank while XXXX was at my day job, I explained to the operator very clearly that I never worked with e checks before, and feel that I received a fake check and was afraid this would bounce. & that if I refunded the customer I would be out of money. 

Prior to calling I XXXX that sending checks out and asking for refunds was a common scam, and saw the following red flags, which I clearly conveyed to the chase employee : 1 ) The name they contacted me with was different then the check and also different then the XXXX account they wanted me to refund. 

2 ) They were trying to get me to refund asap 3 ) the fact that they sent the wrong check to me in the first place was also a huge red flag. 

I voiced all these concerns and stated multiple times that i believed I was getting scammed and needed help. 

After some time on hold she said that the she checked and the check was OK and promised me it wouldnt bounce and she would transfer me just in case to report fraud. 

So after the phone call I refunded the customer for XXXX using XXXX : XXXX payment to XXXX transaction number XXXX has been approved for {$500.00} I don't know what else I could have done at this point? I called my bank and clearly explained the situation and all the red flags I had. They said the check was cleared and wouldn't bounce. 

I hear this from my bank and I think I have to refund the money at this point. It's not my money, the bank said it's OK, who am I to argue?
Consumer complaint received 2021-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (NC)

On XX/XX/XXXX, I received an email from Barclay 's titled " ( My name ), earn additional miles this summer ''.

The text stated : " Earn more this summer! Use your Barclaycard XXXX XXXX Mastercard to earn an additional XXXX miles for every {$1.00} spent on grocery store, drug store and restaurant purchases, up to XXXX miles, from XX/XX/XXXX to XXXX1 Plus earn an additional XXXX miles if you spend at least {$3000.00} on purchases from XX/XX/XXXX to XXXX.1 Remember, this is in addition to the miles you already earn with your Barclaycard XXXX  XXXX Mastercard . 

... 

All miles earned from this promotion will appear on your statement 6-8 weeks after the end of the promotion. '' On XX/XX/XXXX, I made a purchase for {$3500.00} clearly over the {$3000.00} purchases required. I paid this balance off on XX/XX/XXXX. 

So now I have met the requirement for the XXXX points but I had to wait 8 weeks after the XXXX to actually receive my points. 

I waited 7 and a half weeks and DID NOT receive my points. I called Barclay 's making sure that I had met the requirement and should be receiving the points. The call center employee confirmed that I met the requirements but since there were 2 days left until the end of the 8 weeks that I should wait and call again. 

It is now XX/XX/XXXX weeks after the expiration of this offer and I have yet to receive my points. 

I called today and they said that they have opened a case and that it will take up to XXXX billing cycles to investigate the case and give me my points. I intended to use these points for a trip in XXXX but now these points XXXX not be even rewarded by then. 

This process is incredibly broken and when consumers activate a promotional offer, they should be given the points without hassle.
Consumer complaint received 2021-06-28
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. (TN)

On ( XX/XX/2021 ), I mailed a letter to the 3 credit bureaus to remove inquiries I didn't authorize. 

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete.
Consumer complaint received 2021-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MA)

Hi ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2023-03-23
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. (OH)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-30
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP (TX)

I had a purchase promotional balance of 0 % APR to open this account last year, and the promo was set to expire on the statement closing in XX/XX/XXXX. The statement closed on XX/XX/XXXX, with a balance of {$19000.00} and a payment due date of XX/XX/XXXX, but this due date was changed from the XXXX to the XXXX of the month ( i.e., XX/XX/XXXX ) which changed the next closing date to XX/XX/XXXX. To avoid interest fees, I made every effort to pay off the full statement balance on the due date after the expiration of the promotional balance by first payment of {$14000.00} of XX/XX/XXXX followed by another payment of {$4400.00} ( remaining statement balance ) planned for XX/XX/XXXX but due to weekend delays funds were not available until XX/XX/XXXX. When the statement closed on XX/XX/XXXX, I was charged an interest of {$250.00}, defeating the whole effort of paying off the full balance of XXXX. When I reached out to customer service explaining this issue and requesting for a one-time courtesy waiver of the interest charge since I paid the full statement balance, and I have always made my payments on time and never owed, I was disappointed by the response of the agent who obviously did not show any concern or courtesy to help. A one-time courtesy over interest charges is the least a financial company can do for a customer who actively used the card and has always made on time payments.
Consumer complaint received 2021-08-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I mailed out my XX/XX/2021 mortgage payment to XXXX XXXX in XX/XX/2021, using the reply envelope XXXX offers with every monthly billing statement. I've never missed a payment arriving on time in several years with XXXX, except for the XXXX payment. XXXX mailed a past due notice for the payment on XX/XX/XXXX, along with assessing a late fee charge. I contacted XXXX to contest their actions, stating the payment had been mailed and cleared Bank of America where I have a checking and savings account. However, I discovered the check had been altered. My account number on the memo line was written over with a different account number, and the check was signed by another party - a person I do not know. Plus, there are no other signors on my account. And the check was stamped by XXXX. My several conversations with XXXX have resulted in the institution refusing to recover the funds, stating the transaction was done from an ATM. I was pressed by XXXX for a second mortgage payment and to file a complaint with Bank of America. I paid the mortgage a second time and filed a complaint with Bank of America on XX/XX/2021. I also filed a police report and spoke to a detective on XX/XX/2021. Since XXXX, I have contacted Bank of America several times about the status of my complaint. I was informed the Bank was going after XXXX for the funds. I waited several months and heard nothing more from Bank of America, until I contacted the bank on XX/XX/2021. I was informed that XXXX declines to recover the funds and the case is closed. I was absolutely furious and contacted the local media station. I was referred to the Consumer Financial Protective Bureau. Both XXXX and Bank of America are treating me very unfairly. This is just not right! I have done business with both institutions for several years! I don't know why nor do I understand why neither financial institution will recover the funds I have lost through no fault of my own. I need help to recover the funds I was defrauded. My check was intercepted, altered, and the criminal was able to obtain the funds through two banks that should have resolved this problem by recovering the funds way before now. Please help me!
Consumer complaint received 2021-08-16
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. (PA)

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the homebuying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2021-08-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion continues to furnish items on my credit report that aren't mine. According to 1681 ( b ) ( 2 ) nothing shall be on my credit report without my written consent.

1. XXXX XXXX XXXXXX/XX/XXXX {$450.00} 2. XXXX XXXX XXXX XXXXXX/XX/XXXX {$650.00} ( failed to mark as disputed 15 USC 1681 s2 ) 3. XXXX XXXX XX/XX/XXXX {$370.00}
Consumer complaint received 2021-08-16
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

FILED A COMPLAINT WITH CITIZENS BANK OFFICE OF THE CHAIRMAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX R.I.XXXX # XXXX. 
RECD A REPLY ON XX/XX/2020 FROM XXXX XXXX XXXX THEY REPLIED ALL OFFERS REC.D AT MY ADDRESS WOULD BE HONORED BECAUSE THEY HAD NO EXPIRATION DATES. 
WHEN I TRIED TO REDEEM MY LAST OFFER I CALLED XXXX SEVERAL TIMES WITH NO RESPONSE. WHEN TO THE LOCAL BRANCH AND SPOKE WITH XXXX XXXX AT XXXX XXXX XXXX MA XXXX XXXX. HE OPENED THE CASE AND I HAVE HEARD NOTHING SINCE. XX/XX/XXXX. WHY HAVE THEY REFUSE THEIR COMMITMENT. 
XXXX NUMBER IS XXXX
Consumer complaint received 2021-08-16
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (FL)

I was going through a divorce while living overseas and was unable to submit the forbearance/deferment application on time and reported as 90 days late. I provided information about my divorce decree with no charge. Navient has also been charging me interest on my student loan when there has an Executive Order issued to suspend interest on student loans.
Consumer complaint received 2021-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

ON XXXX I paid my Final balance with capitol one. 
Afterwards, i was contacted regarding inactivity use, and explained to Capitol One that i wanted to to keep the account Open and did not want to have a Balance owing because of the Excessive high intrest rate they were imposing. soon after, they in fact closed the account and said That i wasn't consistent with paying, but provided no proof of a balance owed. On XXXX Capitol One issued letter stating closure on XXXX stating to use, or close account. However, they seem to be LANGUISHING with the specifics of the account status, more so with the credit bureaus as of XXXX in my XXXX XXXX files. I don't UNDERSTAND why a company would vacillate unprofessionally.
Consumer complaint received 2021-08-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

On XX/XX/2021, COMMONWEALTH FINANCIAL appeared on my credit file. I do not owe this debt. I have -- and have always -- had medical insurance. Has this company even attempted to bill my insurance company? What is this debt for? What was the date of service? I want this removed from my credit file immediately. Have they even sent me anything in the mail to validate this debt?