davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Fidelity National Information Services, Inc. (FNIS) (MA)

I believe your actionsor lack thereofconstitute. 

Your personnel 's inability to communicate effectively in clear English and the repeated delays and contradictions in your process are unacceptable. This lack of accountability not only hinders my efforts to resolve inaccuracies on my credit report but also erodes my trust in your institution 's integrity. 

I demand an immediate investigation and resolution of my dispute, as well as a written confirmation of corrective actions taken. If this issue remains unresolved, I will consider escalating the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Georgia Attorney General 's Office, and pursuing legal action under applicable state and federal laws. 

I look forward to your prompt attention to this matter and expect a response within 15 days of receipt of this letter.
Consumer complaint received 2023-02-08
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: KEYCORP (OR)

On XX/XX/XXXX and XX/XX/XXXX I met with XXXX XXXX, a XXXX XXXX at Key Bank about changing my accounts and setting up a major credit card. XXXX XXXX informed me twice that charges to the credit card would incur zero interest for the first XXXX XXXX Shortly after being approved, my dog had some emergency medical issues so I charged my new Key Bank XXXX. Between XX/XX/XXXX and XX/XX/XXXX, I charged {$3900.00}. I planned to pay it off within a year so that I wouldnt have to pay any interest. So I was shocked when I received my first credit card bill and saw an interest charge of {$83.00} on XX/XX/XXXX. I called XXXX XXXX and he said that yes, it should be interest free for the first 13 months. He said he would research the issue and get back to me. He called me about eight days later and told me that the zero percent interest was only for balance transfers. I exclaimed that that isnt what he had told me. XXXX said he would do some research to find out what I could do about this situation. He never called me back. Since then, I have had more medical emergencies with my dog and have charged an additional {$1300.00}. There was also an additional interest charge of {$82.00} on XX/XX/XXXX. I was misled by Key Bank regarding the credit cards interest rate. I believe I should be reimbursed for the interest charged, {$160.00}. In the past week, I have had to obtain another credit card with a no fee balance transfer promotion and 1.99 % APR for the first XXXX XXXX The transfer to this new credit card of the Key Bank credit card balance is in process. Thank you for your consideration.
Consumer complaint received 2022-09-27
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (IL)

XXXX, called me multiple times on XX/XX/XXXX. Within a matter of a few minutes. They have threatened to put it on my credit report which I understand is perfectly legal but it's for a debt that is not accurate. When I attempted to dispute that with them, they sent an invoice that is outdated and does not reflect the debt I owe. This is something they've done in the past and they literally just settled with the federal government a year ago
Consumer complaint received 2022-09-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (PA)

Account info Account number XXXX Date opened XX/XX/2022 Account type Collection Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above- named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. Professional Debt mediation isnt licensed to collect in Pennsylvania as well as Georgia Desired Settlement : Correction to a credit report
Consumer complaint received 2024-01-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (SC)

On XXXX of XXXX I sent Chase my negotiable instrument in the form of the coupon that was attached to the statement that they had sent me. I wrote the amount in the Box in number form on a letter form dated it and indorsed it. The amounts for {$2000.00}. In XXXX I sent them another one for the same amount in the same way a couple days after I sent it they sent me a letter regarding the first negotiable instrument sent in on XXXX stating that it could not be accepted because of the card agreement. When I called them I tried to explain to them that their agreement is not a contract and does not supersede United States code and to cfrs definition for negotiable instrument. They never returned my securities or sent proof of destruction of said securities. I informed them since that I attempted to make payment and they would not accept it. The payment was atempted on my part and should be either accepted or canceled according to the law. I proceeded to call me everyday for payment and then after some time canceled my account and I believe sent me to collections and doing so has now destroyed my credit report. All payments have been made using certified return receipt mail and I have pictures of all securities and have the receipts for the mail.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Dear [ CFPB ], I am filing an urgent complaint regarding fraudulent charges and an account that appeared on my credit report. I am a victim of identity theft, and unknown individuals have opened accounts in my name without my consent. Despite my repeated attempts to resolve this, no creditors or bureaus have provided any contracts, signatures, or proof to substantiate these transactions. These fraudulent accounts were initially removed from my credit report but were later re-reported without proper notification. The accounts were reinstated without notifying me within the required 5-day window, as mandated by 15 U.S.C. 1692g ( Validation of Debts ), which constitutes a clear violation of my consumer rights. Additionally, the accounts are reported with inconsistent dates across different bureaus, suggesting further inaccuracies. The failure to notify me and provide the necessary documentation is illegal and violates my rights under 15 U.S.C. 1681 ( Fair Credit Reporting Act ) and 15 U.S.C. 1681s-2 ( a ) ( 1 ), which prohibits the furnishing of inaccurate information to credit reporting agencies. These unlawful actions have caused significant harm, and I demand immediate removal of these fraudulent accounts from my credit report. I am prepared to pursue legal action against both the bureaus and creditors involved for their failure to comply with federal law and protect my consumer rights. 

Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have asked for PROOF of " validation of a XXXX XXXX  bankruptcy I keep being told that it has been verified, yet I have failed to receive any PROOF. My rights are being violated per 15 UCS 1681b -Permissible purpose of consumer reports it states " in accordance with thw written instruction of the consumer to whom it relates ''. I have never provided any type of written instructions with my WET signature for this to report. You are furnishing a consumer report without the consumers consent. You all are disclosing PRIVATE information such as name address, social security number, etc. This is violation of 42 USC Sec. 408 The ONLY " Bureau '' is the CFPB per 15USC 1602 Per law you " Transunion and XXXX XXXX '' is considered an AGENCY I have not given you permission to furnish nor report a bankruptcy violating my privacy. Per FCRA I have the right to have inaccurate, incomplete or unverifiable information deleted by a CRA. You all are putting me at risk for identity theft by displaying my PERSONAL info that I did NOT authorize with my WET signature. Again NO COURT in AMERICA reports this info to you. You STOLE it from a database that I didn't authorize you to report on my behalf, putting me at risk. These are only a few laws that have been violated. I will also be reporting this to the Attorney General, FTC, and the FCRA. I also have my evidence that I have tried on multiple occasions to rectify this problem with you. With them I will be stating EACH law that has been violated and seeking damages per each violation.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2023-05-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (NH)

Citizens Private Client Money Market XX/XX/XXXXDeposit {$310000.00} Total : {$510000.00} Made this deposit in XXXX and was told that our rate would increase from the XXXX XXXX XXXX 1 % to the XXXX XXXX 3 %. 
Hasn't happened. Been to my local bank twice to check on any progress ( NONE ), and was assured that the 3 % rate would be retroactive to the XXXX deposit date ( hasn't happened ). This is all completely unacceptable. Also, I missed by a day a promotion increasing the XXXX XXXX rate from 3 % to 5 %, because I had no notification in advance. 
Unrelated, I had to catch a deposit error leaving {$600.00} off my checking account. Not sure if the bank would have caught the error. 
Was sent a bank-rating questionnaire and mentioned the interest-rate issue. Never heard back. 

Correct this immediately, with the retroactive interest. 

Contacted Citizens Bank and was told the " promotion '' offer of 3 % was not in effect in XXXX ( local branch assured me it WAS ), but since then no interest increase has been applied to my account. It is now XXXX and the Bank 's rate is now 2.96 %, yielding 3 % annual, NOT affecting my account 's 1 %.
Consumer complaint received 2022-09-14
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MN)

I opened an Arhaus Credit Card through Comenity bank that provided a 0 % interest rate for 18 months. If unpaid in full at the end of the term, the interest from each monthly billing cycle would be charged. At the end of the term I tried logging in to my Comenity bank member site to pay my balance in full but the system was not working. After Bread Financial acquired Comenity, they recognized and reported that they were experiencing glitches with their systems. As a result I missed my payment deadline and the full interest of $ XXXX was charged to me. I called, email messaged and wrote a letter to Comenity disupting this but they maintain that the $ XXXX in fees is accurate. I have since paid my balance in full to avoid any additional late fees but I'm asking you to advocate for Bread Financial to refund me the interest. 

Secondly, when I paid my balance in full on XXXX, Comenity sent me another statement charging me an additional {$180.00} in fees on a balance of {$0.00}. I again had to call them and this time they agreed to waive the fee. 

I am incredibly disappointed in Comenity and there being zero consumer protection in these circumstances. Thank you for your help.
Consumer complaint received 2022-09-27
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2022, XX/XX/2022 and XX/XX/2022 letters were gone out to Trans Union informing them of inaccurate information that was not reporting correctly on my credit report. Such as XXXX XXXX XXXX account # XXXX which is not mine and consumer fail to send me a written notice prior to placing this account on my credit report.Delete account 2. XXXX XXXX account # XXXX this account doesn't belong to me and I've never received any written notice prior to placing account on my credit report. Delete account 3. XXXXXXXX XXXX XXXX account # XXXX this account is reporting 30 days late on my account and I was never late because payment was drafted from bank account. Update to paid/never late 4. XXXX XXXX XXXX account XXXX this account is showing late and it was never late because payment was taken directly from bank account. update to paid/never late Trans Union never responded to any of my letters by conducting a proper investigation and due to no response ever I am requesting immediate actions to be taken against the accounts above by removing the account and updating other accounts as paid as agreed. Letters that was previously sent will be attached to this complaint. 

I am demanding that Trans Union comply with Metro 2 compliance reporting standards.
Consumer complaint received 2022-12-06
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: BMO Bank, N.A. (NY)

In beginning of XXXX this year ( XXXX ) I opened credit card account with this bank. As a promotion this company promised to pay {$200.00} after spending {$2000.00} within first three months ( see attachment ). I did it, but never got this money. I called them three times in different time, and every time they give me different info about when I will get my {$200.00} reward. I see that this company practice fraudulent business and lying to their clients. Please set an investigation of this business and help me to gen my money according agreement. Me card number is XXXX.
Consumer complaint received 2022-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I have a tenant who owes back rent. He applied for the California rent relief and was approved and sent a check. The check was make out on a chase check. I went to deposit the check into my account, everything was good untill the day the hold was released on the check. Chase restricted my account with the funds for back rent. First time I called customer service person told me it was a fake check, which that isnt true because I called the verification number on the check to verify it before I deposited it. Then they told me it wasnt cashable ( called the number On the check again, and it said it was cashed and cleared by Chase Bank ). Another time they told me to have the program To re-issue me a check. Doesnt make sense since its already been cashed and clear by Chase why would they Re-issue me a check because they can see where it was cashed. Another time I called they told me I had to get a notarized authorization letter from my tenant stating What the money was for. It took me a couple days to get that since my tenant went to XXXX I had to have him write a authorization letter and get it notarized and have it mailed to me once I received the letter I called Chase again and then they told me a whole different route I have to take. Theyre making this really difficult and Im really getting frustrated. The XXXX check is written On a chase check they know its a real check because they cashed and cleared it and then put my account on hold and restricted it. 
Its like a runaround with them right now I need help getting this figured out Ive already lost income due to my tenant not paying and now this.
Consumer complaint received 2024-12-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC (WA)

XXXX XXXX XXXX XXXX and Sunrise Debt Collection services has been trying to collect {$930.00} from me without providing a validation letter of debt. I had asked for this letter months ago and still no letter.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2022-12-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: FirstPoint Collection Resources (VA)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am XXXX XXXX XXXX. Social Security XXXX only XXXX. XXXX eligible recipient. 

XXXX. My Primary heat source, XXXX XXXXXXXX XXXX was disconnected XX/XX/2022, due to nonpayment. The accumulated disconnect amount far exceeds my monthly fixed income. 

XXXX. XXXX XXXXXXXX XXXX XXXX my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to a collections agency, First Point Resources, XX/XX/2022. 

XXXX. XXXX refuses to allow me to reestablish/start new services. ( They are demanding I pay them directly for the debt which they sold to the above referenced collections agency. ) There is no heat in my home. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, VA XXXX Reach us by phone XXXX