davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: AMERICAN EXPRESS COMPANY (NY)

I used a prepaid bluebird Amex card that I use for my some purchases or to pay bills to merchants I do not trust. I add funds to this account through linking my bank atm debit card linked to my XXXX XXXX checking account. Bluebird is telling me XXXX XXXX denied transaction transfers, yet XXXX XXXX checking was debited and transactions were paid to bluebird, yet my bluebird account was not credited for all the transactions. Plus, within the past month, every time I open the bluebird app, a different three digits appears in the user name spot. Its always three digits but always three different digits every time I open the app. These three digits are a mix of numbers and/or letters ( some of the digits are strange and not even on any of my phone keyboards. One such example of this is one of those three digits was an elongated /p/ where the straight line continues up above the circled area ). I called bluebird and transferred me to claim specialist and she gave me an email to send the screenshots I started taking. However, despite going over the email with her to make sure I wrote it correctly, it bounced back, informing me there is no such email address.
Consumer complaint received 2019-07-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

On XX/XX/XXXX I disputed this collection, you inturned provided me information from the original debtor showing figures that I believe to be inaccurate and also claims of repair and fix up on items in the apartment that I know where false, as well as unreturnable items belonging to the company as well. 

I am requesting that the following inaccurate items be immediately investigated. Please delete this misleading information in order to show my true credit history. By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand that the following items be re-verified and deleted from my record. The balance is falsely inaccurate, please remove this account from my report, cause it is very misleading and also a LIE. This is a straight out VIOLATION OF THE LAW and it should go against the integrity of your that company that continues to publish this FALSE AND MISSLEADING INFORMATION IQ DATA INTERNATIONAL - XXXX BALANCE IS INCORRECT
Consumer complaint received 2019-07-20
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I opened this account for my XXXX daughter 5 months ago. Although I made an error with her social security number, they have failed repeatedly to correct, or return my money. the office claim that we should call XXXX whoever he is would help was not true they did nothing but ask us to call if it was still a problem.. We have verified all information repeatedly. we have complained in writing over 16 times. Spending hours on the phone with no verification of conversation.they refuse or are incapable of resolving and refuse to close the account and make funds available or transfer to our joint account.
Consumer complaint received 2019-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (FL)

To Whom It May Concern : I have been trying to pay this account off for the past four years. First of all, this is a debt I did not willingly get involved with. It occurred when I went to a local dentist to get a discount on XXXX XXXX ( XX/XX/2015 ). However, while I was there, upon examination, I was told that I had a horrific problem going on inside my mouth. The conclusion was with the hygienist telling me that I need not worry about the money to pay for the work. She then called the administrator into the room who discussed with me how the bill could be paid for later, never ever letting on that she was referring to a credit card. At that time I was thinking that she was offering me a term of credit where I could pay the bill ( to the local dentist 's office ), a little at a time until it is paid off. Still I had no idea she was offering me a credit card. Next thing I knew, there was a colossal bill, including a mound of charges such as interests, late fees & other fees, as they saw fit. I was thinking like how will I ever be able to pay this off. We agreed on me paying {$44.00} a month, then later I raised it to {$52.00} a month. However, my son came to live with me during this time and I had a hard time trying to pay this amount, but I did it anyway, trying to get from under. As it turned out, I increased the amount to {$80.00} trying to pay it off. However, it seems like the more I pay, the harder it gets to pay this credit card off. There were so many late charges and interest charges. So far, I have paid $ 800+ over the past several years ( for the past 4 years ), and seems to be no light at the end of the tunnel. I am now turning to you for help, as I believe I have actually paid this bill off, but due to the enormous fees I am paying every month, it seems impossible to ever get from under the balance and truly see this bill as paid in full. ( Since I had work done on my mouth 4 years ago, I have never used this credit card again! )
Consumer complaint received 2019-04-04
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. (IL)

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX/XXXX   account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 15 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report. 

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the XXXX, XXXX, and TransUnion data breaches, which makes me even more worried about how my personal information is being handled.
Consumer complaint received 2019-04-04
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The Outsource Group, Inc (TX)

I gave birth to my daughter in XX/XX/2015. I made an agreement with the doctor 's office to pay {$25.00} every month until my bill is paid off. I have not missed one payment. XXXX started contacting me on this account several months ago, asking me to pay more than what is owed on the account. They relentlessly call me several times a day at all hours. They have called and have woken up my children too many times by calling too early or too late. I am fed up with it. They call from many different phone numbers so I can not screen my calls. When I am forced to talk to them, they do not take me seriously. They disregard what I tell them. They interrupt me and they tell me they will continue to call even though I have told them to stop calling. I will continue to pay my debt directly to XXXX XXXX at her office, regardless. But these people need to stop harassing me. This debt should not be in collections and they should not try to get me to pay more than what is owed on the account.
Consumer complaint received 2019-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I received my credit report from XXXX and discovered hard inquiries on my credit report that should not have been there. I only allowed for XXXX XXXX to run my credit through Capital One. XXXX XXXX and XXXX XXXX  had no permission to run my credit. I was just shopping around. I have submitted a complaint once before. I contacted both companies and they swear that did not have a department to handle those types of situations. XXXX XXXX at Capital One worked my FIRST complaint and respectfully declined to removed those unauthorized inquiries. I figured since XXXX is a privileged male living in THIS America, he wouldn't actually investigate the case. I was then advised to contact my State Attorney : consumer protection sanction to report both companies AND XXXX XXXX from Capital One. I completed that complaint today and I have faith that the State Attorney : consumer protection sanction will work their hardest to get fair treatment. PLEASE publicly post this so the people can be aware that XXXX XXXX and XXXX XXXX in XXXX, LA with run your credit without permission and that XXXX XXXX from Capital One will not do a through Investigation.
Consumer complaint received 2019-11-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCE CORPORATION (MO)

For the previous several months, I've received dozens of e-mail and postal mail notifications of "pre-qualification" for a loan from One Mail Financial ("OMF"). After checking (apparently censored) reviews of OMF available at XXXX XXXX (see attached screenshot, XXXX), I opted to apply for the minimum loan offered by OMF, $1500.

I completed the application form, and agreed to allow OMF to pull my credit report, resulting in a "hard inquiry".

I applied and was surprised to be offered a $XXXX "secured" loan in lieu of the $XXXX installment loan I applied for.

I decided to dig a little deeper into reviews of this company and found 100s of complaints of this exact behavior (see attached image XXXX). The story is the same each time; the company lures prospective borrowers with promises of easy terms, then after capturing the applicant's data, OMF offers completely different product.

Now, I don't know if this would be considered a bait & switch scheme, but it's certainly misleading, damaging to applicants, and hopefully illegal.
Consumer complaint received 2019-11-27
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (IL)

I do not dispute the fact that my Navient accounts were severely past due. I had attempted to negotiate my payments directly with Navient multiple times prior to my account being charged off, however they were adamant that they would be unable to lower my payments further than approximately {$530.00}, which would have been unreasonable. 

Per my credit report my loans have been charged off with Navient, and my account was also referred to collections. Arrangements have been made with the 3rd party collections, however Navient is not acknowledging the terms of my payment arrangement with collections and is still reporting my payments as late, despite my customer dashboard correctly displaying that payments are being received in a timely manner. If additional action had been required on my part in order to bring the account current going forward, I was not told when agreeing to my current payment arrangement, and it has also never been told to me since. Per Navient 's online portal my account is currently past due {$14000.00}, despite my payment arrangements. 

The PDF password is XXXX. Apologies for having a locked document.
Consumer complaint received 2019-04-04
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. (NY)

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verfied. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand that you send me copies of the documents you used to verify the following accounts listed below or you delete them immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted.
Consumer complaint received 2019-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (OR)

I opened a bank account with Wells Fargo online. They had a promotion at the time offering {$400.00} for opening a new account with them. I had to start the account online with {$25.00} and make direct deposits that cumalatively equaled {$3000.00} a month for 3 consecutive months. One time while on a chat with customer service I inquired about my meeting the criteria and when I would see the bonus. I was told I had met the criteria and I would receive it in 45 days. When I woke up the following morning the record of that chat was erased. I was suspicious and called customer service. I was placed on hold for an extremely long time, transferred again and again and the finally given to a supervisor. The supervisor listened for a second then began to berate me and speak so rudely and condescendingly to me. He said in no way was the word cumulative used in any sort of official offer. I told him it was used and I had the paper to prove it. He then promptly hung up on me. I called back and got a new supervisor on the line who reviewed my previous call, helped me file a formal complaint and then told me I had met the criteria and would receive my bonus in 45 days. I then received a letter in the mail saying I didn't meet the criteria because I didn't have enough direct deposits that qualified even though I had almost 10,000 in 3 months. I have been hung up on numerous times, laughed at and spoken so rudely to it really bothered me. I hope you can help me. Thank you
Consumer complaint received 2019-07-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ)

Rushmore is refusing to open my loan modification review because they state the " investor which is XXXX XXXX XXXX XXXX. 

We had a 2nd loan modification review which left out a great portion of our income and now Rushmore is stating there is a hard stop on the file which wont allow for another review. We never got approved for a loan modification in the past and the 2 reviews we had were done so without the full income as Rushmore ignored some of what we earn. 
The last review should not count towards my second review or at the very least the second review should be re-opened and the correct income should be looked at. 

We are prepared to make payments starting today and we can even put down {$15000.00} as a good faith deposit. I called the investor and they said they have no such rule. XXXX XXXX XXXX still continues to block my loan modification review which is a violation of federal guidelines and is doing an unjust harm to my family.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Name XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, D.C. XXXX Subject : Complaint Regarding Incomplete Reinvestigation by TransUnion Dear CFPB, I am writing to formally lodge a complaint against TransUnion regarding their handling of a recent reinvestigation of my credit report. 

**Account Information : ** - Full Name : XXXX XXXX XXXX XXXX XXXX Social Security Number : [ XXXX ] - Date of Birth : [ XX/XX/XXXX ] On [ XX/XX/XXXX ], I submitted a dispute to TransUnion concerning inaccurate information on my credit report. The details of the disputed item are as follows : I expected a thorough and fair reinvestigation as mandated by the Fair Credit Reporting Act ( FCRA ) .I received a response from TransUnion indicating that the information would remain unchanged. I believe this decision is incorrect, as I provided adequate documentation and evidence to support my claim. 
Despite my attempts to communicate with TransUnion, including [ mention any phone calls, emails, or correspondence ], I have not received a satisfactory resolution. It appears that they did not adequately investigate my dispute or consider the information I provided. 
I request that the CFPB investigate this matter and take appropriate action against TransUnion for their failure to comply with FCRA guidelines. Additionally, I would appreciate guidance on further steps I can take to resolve this issue. 
Thank you for your attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (TX)

I signed up for Citibank Checking and Savings account promotion program. Nowhere in their promotion requirements does it say that it does not apply to Texas. You can see their promotion published here, all it said was that " To enroll in this offer you must apply directly from this page. Citi rates and promotional offers may vary by state. Looks like you're in Texas. '' I even re-selected the state to make sure it does not tell me that Texas is not eligible, but it didn't say anything. Also in their fine prints they did not list the states that were eligible so who would know if they don't qualify? This is scam by misleading people in believing they will would qualify so they will open an account with them. See the advertised deal here, you can see nothing about the states. 

https : //banking.citi.com/cbol/checking-500/default.htm? channel=onsite & promo_ID=WE564683MYCSO5 & rateSheetId= & intc=2~1~54~1~040519~2~Q22019-500Checking~CheckingSpecialOffers1 & ProspectID=BC0BC93F0A5E4B69A1ED463F8ECE1776
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2024-10-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2019-07-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (OH)

I have repeatedly requested documentation verifying said account XXXX XXXX. Your company has repeatedly denied my requests for verification of the thorough investigation completed by your company. In doing so, your company is violating my consumer rights, damging my credit and defaming me under section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). During verbal and written communication with you company 's representatives, they stated accounts were verified and investigated electronically by a particular system publicly known as XXXX. Any Automated Consumer Dispute Verification is not fair or a thorough investigation of disputed inaccuracies. This will be my final request and warning to thoroughly investigate, correct, and provide legal documentation of investigation results within 30 days.

You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified without XXXX or any Automated Consumer Dispute Verification software and deleted immediately XXXX XXXX
Consumer complaint received 2019-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (WY)

I checked my credit report to see an LVNV FUNDING LLC reporting inaccurately for XXXX XXXX My XXXX XXXX account is current and open, not delinquent and in collections.