davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-20
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: CITIBANK, N.A. (CA)

Shop your way citi credit card sent me an offer as the following : Offer : You can earn 10 % back in a statement credit up to a total of {$60.00} each month for every eligible {$1.00} spent in total eligible ONLINE purchases that are made each month to your Shop Your Way. 
Mastercard from XX/XX/2020 - XX/XX/2020. 

During XXXX I did get {$60.00} bonus credit. However, in XXXX I made a purchase at XXXX but I did not get a bonus. I purchased a pair of single sofas, and this product is not sold at the local store, it couldn't be picked up at the local store, either. It's a solely online order and it's shipped to my home directly. The order is {$430.00}, which I should have gotten 10 % of the purchasing amount as my bonus reward. 
I contacted the customer service department several times since XX/XX/2020. 
The customer representative told me that this issue is under investigation. It's been a while, I still do not get the bonus credit back yet. 

I also asked for an online shopping list that can be eligible to shop in order to get the bonus, but they don't have such a thing. 

I still keep the mailer flyer as the evidence to prove their offer/promotion detail.
Consumer complaint received 2022-06-17
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. (DC)

On XX/XX/2022, I sent a letter to the courthouse asking if they report bankruptcies to the credit bureaus. I got a letter stating : " They do not provide information to the credit reporting agencies or bureaus. '' So if that's the case, how did the credit bureaus verify an alleged bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) states : The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to 15 USC 1681 section 602 A states : I have the right to privacy.

According to 15 USC 1681 section 604 A Section 2 states : A consumer reporting agency can not furnish an account without my written instructions.

According to 15 USC 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-06-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

In XX/XX/XXXX, I purchased a home located at XXXX XXXX XXXX, XXXX XXXX, Hawaii XXXX with a VA loan from XXXX XXXX XXXX. In XX/XX/XXXX, I refinanced the loan with an interest rate of 3.25 %. This is a 30 year mortgage with a fixed interest rate. Later, the servicing of my loan was assumed by Freedom Mortgage. Freedom Mortgage started sending me monthly Mortgage Statements that read : Interest Rate ( Until XX/XX/XXXX ) 3.25 %. I called Freedom Mortgage many times to inquire as to why theyre reporting that my interest rate is only good until XX/XX/XXXX. Ive gotten very different responses from them over the phone, such as Your rate is fixed, I dont understand why it says that or This probably relates to your active-duty military status and the Servicemembers Civil Relief Act not your interest rate. These answers are non-responsive and do not accurately correct their records to correct that my interest rate is not good until any daterather, it is the interest rate for the duration of the loan. They should not be sending me a monthly mortgage statement that says that my interest rate is good until any date. I want this corrected in all of their records.
Consumer complaint received 2020-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: General Motors Financial Company, Inc. (CA)

To Whom It May Concern : Settled in full with GM Financial XX/XX/XXXX XXXX Credit reports reflect derogatory information. 

I reported to XXXX XXXX on XX/XX/XXXX to attend basic combat training at the United States XXXX XXXX XXXX, XXXX XXXX, South Carolina. After completing the XXXX XXXX training course, I was transferred to the US XXXX XXXX XXXX XXXX at XXXX XXXX, Arizona. I graduated from the XXXX XXXX XXXX   course in XXXX of XXXX and then completed XXXX XXXX at XXXX XXXX, Georgia. 

Amazingly, I XXXX twice in three years to XXXX. During my years of service, I received the XXXX XXXX XXXX XXXX, the XXXX XXXX XXXX, the XXXX XXXX XXXX, the XXXX XXXX XXXX XXXX, the XXXX XXXX XXXX, the XXXX XXXX XXXX XXXX, and XXXX XXXX for the XXXX XXXX  and the XXXX XXXX. 

XXXX has taken adverse action against me for the same debt. This harm to me during a pandemic is mostly because I am XXXX American. Can there be some since of justice? I never received the accelerant letter until last month. The Gap claimed I had requested last the 90 days and even after a settled in full contract another company has taken adverse action against me.
Consumer complaint received 2020-06-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

on XX/XX/XXXX I brought a home ( thru XXXX XXXX  ) and from the beginning until now numbers have been manipulated and altered to the point that in in jeopardy of losing my home and the new mortgage company has got me locked into a rate almost 2 % higher then my original rate. This loan has been a disaster from the beginning and I need some help going thru and finding the rest of the discrepancies. So far I was overcharged almost {$3000.00} in origination fees ( had to file a complaint with XXXX  to recover that money received onXXXX ). Somehow I was paying homeowner insurance but my insurance company never received it so I wasn't cover for the first year. ( still have not tracked down them funds just paid out of pocket ) some how my loan was processed as a arm instead of a fixed so I had to refinance because. my taxes wasn't calculated right so my mortgage went up. So I called and ask for some help but I was told I wasn't behind so they cant help me .Finally I fell behind and in XX/XX/XXXX I asked for mortgage assistance from my now mortgage company ( Carrington mortgage ) and instead of helping me cuz I was a few months behind they made me payback some the back payments then raised my interest rate almost 2 points. And threated to demand all the back payment by certain time or file for foreclose if I didn't take the increased rate. That increase raised my note 300 monthly and my XXXX vet wife lost he job due to government budget cuts. Since then i was forced to file bankrupt just to keep them from filing for foreclose. Finally to top things off now we in a pandemic they want to get my bankruptcy lifted so they can file. 
WOW.. Help please
Consumer complaint received 2024-12-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FC HoldCo LLC (FL)

I am writing to formally lodge a complaint against Flagship Credit Acceptance for multiple violations of federal and state consumer protection laws, including the Truth in Lending Act ( TILA ), Gramm-Leach-Bliley Act ( GLBA ), Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and the Florida Consumer Collection Practices Act ( FCCPA ).

1. Violation of FCRA 623 : Despite my request for debt validation, Flagship Credit Acceptance failed to report my account as disputed to the credit reporting agencies. This constitutes a violation of the FCRA, which mandates accurate reporting of consumer credit information.

2. Improper Use of Personal Information : Flagship Credit Acceptance disclosed my personal information without providing an option to opt out, in violation of the GLBA and FCRA 604 ( a ) ( 3 ). This unauthorized use of my information is punishable under these acts.

3. Failure to Provide Required Disclosures under TILA : Flagship Credit Acceptance failed to comply with TILAs requirement to provide clear and conspicuous disclosures concerning finance charges and related aspects of credit transactions, as outlined in 15 USC 1605.

4. Violation of FDCPA : The company 's failure to report the dispute and its misleading debt collection practices are in violation of the FDCPA, which protects consumers from abusive and deceptive collection strategies.

5. Violation of FCCPA : Flagship Credit Acceptance engaged in deceptive practices prohibited by the FCCPA, including failing to address billing errors and not providing options for resolving my financial difficulties. 
Background : I lost my job in XXXX and have struggled to make payments. Despite explaining my situation to several customer service representatives and requesting options for resolution, none were provided. This treatment and the misinformation and deceptive practices have led me to this complaint. I am asking to settle this account in the best possible way to avoid further injury.

I am seeking the following resolutions : - Correction of the reported information to accurately reflect the disputed status of my account.

- Cease and desist unauthorized sharing of my personal information.

- Clear and accurate disclosure of finance charges and related information as required by TILA.

- Removal of any erroneous entries on my credit report resulting from these violations.

- A thorough investigation and appropriate action against Flagship Credit Acceptance for their violations of federal and state consumer protection laws.

-if they are not able to provide the information requested I am requesting settlement of the account in full and release the title to me. The alleged finance credit or loan is paid in full according to my payment history. Thank you for your attention to this matter. I look forward to your prompt resolution.
Consumer complaint received 2024-12-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FC HoldCo LLC (AZ)

Company charged off the account and its still showing on my credit report, I asked the company for a 1099 C, since the account was charged off, I never heard back from the company, I contacted them several times as of XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX with no 1099C sent to me Flagship Credit Acceptance {$17000.00} charged off
Consumer complaint received 2020-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (CA)

XX/XX/XXXX I recieved a new wells frago credit card. I call wells frago to activate my card. The customer service agent asks for my checking account information. The customer service agent types in the checking account information incorrectly, missing one number. From XX/XX/XXXX till XX/XX/XXXX all my payments came back as insufficient funds on the wells frago side, even though all the funds were in my checking account. XX/XX/XXXX I call in to make my usually payment. I describe my issue with the customer service agent XXXX. She says let 's check the information to see if we have everything correct. XXXX discovers the checking account number was off by one number, a single digit. Wells Fargo found all this information in their systems. But they refused to take any responsibility.
Consumer complaint received 2020-06-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: WELLS FARGO & COMPANY (DC)

Ive already try to bring some understanding to the misleading Pharmice do you get your do you look like a bank that gives you the impression that theyre protecting your money at the same time they give you options of ways you can send money and I feel a deception because you think if youre working within the confinement I bet anything use fraudulent activity once the money leaves your account but in this case and XXXX will never receive and for this reason I can probably should account for that I wont purchase something from XXXX and XXXX could not get my money But while in the bank while with XXXX XXXX the subject came up about fraudulent activity that took place with XXXX and XXXX and I told to tell her that I could get my money back this was months later and they asked me if I could use my debit card they were able to give me my money back so why is Wells Fargo not being held with liable especially during this time where people are being laid off and money is important to XXXX the government is sending out trillions of dollars to help people this was my own money that I used and was taken why Is there not being more done this is a commonsense situation are use what was available through the bank via the bank with my bank card and the money was taken and not returned thank you XXXX XXXX XXXX please escalate this to another department that can handle this also I do have photographs of the texts and if needed the amount of two transfers and also the wire transfer with the routing number and account number at the bank house office if you need it please let me know because I dont know how to upload this with the system that Im on thank you.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

This is XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-06-20
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

My father and I sold a piece of property together and the money from the sale was put into his Citizens Bank checking account. I was supposed to get {$50000.00} and he got {$50000.00}. I called Citizens Bank to ask them how much of a personal check can be cashed at their institution if I did not have an account there. They said for anything over {$10000.00} I would have to order the cash and it could take up to 2 weeks for the order to come through. I asked them if my father wrote a check for {$10000.00} could I cash that today and the women I was speaking with ( I do have her name ) said yes. So I got a taxi to the bank I had a valid ID that matched the check and they refused to cash it saying that the women I spoke with never said I could cash a {$10000.00} check. She said she told me even for {$10000.00} I would have to get approval from the regional manager and that the regional manager said no I can not cash this check. There is plenty of money in the account and right now we need this money very badly but the bank is refusing to honor my fathers check and I am being told I have to wait to cash anything from his account now. 
I am appalled at this, how can this bank keep my father 's money, and my father called the bank and spoke with the women I spoke to and still they refuse to cash it and the women said she had to wait for an approval from an operations manager. We are destitute at the moment as my husband and I have not been working and need this money. 
I did ask to see the policy that states they can refuse to cash a check and they refused to provide it to me, they said they did not have it in writing. How can they do this? The check is correctly written and my father spoke to the manager and she just refuses to cash it.
Consumer complaint received 2023-09-15
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (TX)

I have been the victim of identity theft. Because of this, I have fraud alerts placed with all three major credit bureaus. On XX/XX/XXXX, I received an alert from XXXX that Credence Resource Management had placed a file for collections in the amount of {$82.00}. It did not give any further information on my credit report. I contacted Credence on XX/XX/XXXX, and they said that the debt was from XXXX XXXX. I have previously had three other collection agencies tell me they have a collection from XXXX, all which were successfully disputed as possible identity theft. I have also filed paperwork with XXXX. XXXX has said they can not find anything under my social security number, nor the account number that has been given to me by Credence and that I should contact Credence and not them. Credence repeatedly says I should contact XXXX. The last representative told me that XXXX would not have access to any of my information, nor have record of the collection, but I should still contact XXXX. How would Credence have information on a debt for XXXX, but XXXX has no record of it? I'm not sure what is going on. 
Credence claims they have sent out " multiple '' letters to me and have called me " multiple '' times. I have not had any letters, nor phone calls from them. This solely appeared as a collections account on XXXX. I have filed police reports, identity theft reports with CFPB and XXXX, and have disputed everything. Just when I thought I was seeing the mental light from my thoughts of self-harm over all of this financial burden I've been placed in for identity theft, they keep coming back haunting me. I've spoken with my therapist, and we are now on a better front as far as that goes. But since the person that I believe may have been the perpetrator of my identity theft is someone that XXXX me, XXXX  me, put a XXXX to my head, and gave me XXXX, this brings back all of that all at once. That person is now dead, but I am left to deal with the repercussions of their actions. 
During the calls do Credence, they kept just trying to get me to make a payment and ignore me when I said that it was not my account and was possible identity theft. THe one agent I clearly told I am not making a payment, clearly said that he is not asking for that, but we can settle this today for {$46.00}. Even after I told them it was not my account, not my debt, and disputed it, they tried to collect. It was my understanding that after you dispute an account, they can not try to collect for 30 days. 

Please help.
Consumer complaint received 2020-06-20
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/XXXX, I contacted XXXX with the attached letter, to notify them that Capital One, is being reported incorrectly. On XX/XX/XXXX, I received a mailing attached as XXXX  refusal ( which claimed to be from XX/XX/XXXX, although I believe it may have been sent after 30 days ), stating that my request was " not specific '' enough, although a copy of the motion from Capital One 's attorney was included. The error is in regard to a {$110.00} filing fee for a fruitless lawsuit from XX/XX/XXXX, in XXXX County Municipal Court, which was dismissed at Capital One 's request by the Court. Please see the attached motion. I have tried to correct the error with both Capital One and Capital One 's Attorney, who responded on XX/XX/XXXX, with no later response in regard to this error. Capital One, refuses to produce a contract, or agreement to pay. There should be no doubt that the error is being overlooked, Capital One is providing false information, and XXXX, has material evidence which is more than sufficient.
Consumer complaint received 2020-06-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MA)

This company midland funding have reported a collection charge to my credit report and i have never gotten any letter or any attend to collect this debt, i tried multiple time to contact them to resolve the issue and find out where this debt came from but it seem like they have no idea neither or have any information they can provide me, i gave them my cell number my social security number to retrieve the account in question in their system but nothing come out according to them instead they tell me it maybe in a different department and they provided me with a few different phone numbers and when i call those numbers its the same no one seem to know or cant find this account, im in good faith trying to resolve this issue so it can be remove from my credit report but no one can help me im desperate to get this fixed, i even tried disputed it with XXXX  and XXXX but nothing happen please help.. 
here is the collection company information.. 
Midland Funding XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI, XXXX Contact XXXX
Consumer complaint received 2020-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am XXXX XXXX and I am making this complaint on my own accord. I have been a victim of Identity Theft since XXXX. Upon looking at an updated credit report I discovered once again that someone is and has used my likeliness to obtain credit and utilities they have also trie applying for credit using my personal information. The person established a XXXX account which is now in collections for {$540.00} they also established a XXXX account which is charged off and reflecting negatively on my personal credit. There are also inquiries in which I did not authorize. These inquiries are reporting on Transunion and XXXX. For Transunion ; XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. For XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. The XXXX account is now a collection with XXXX XXXX XXXX and is reported as a collection with all three Bureaus. These accounts and inquiries are unauthorized and fraudulent. I demand these be removed from my credit profile because they do not accurately depict my credit worthiness. This has had a tremendous impact in my everyday life. I have also filed an Identity Theft complaint with the FTC, my Identity Theft report is attached