davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-12
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: BBVA FINANCIAL CORPORATION (CA)

BBVA advertises special offers to credit card holders. They are called " Simple Cash Back '' offers. Customers can view their offers and enroll at bbva.usa.com. I enrolled for an offer on XX/XX/2021. The offer was to get {$50.00} cash back after making two purchases with XXXX XXXX XXXX wireless. I made the two purchases but because of the way that XXXX XXXX XXXX split up the charges, the offer was not automatically triggered. I have contacted BBVA seven different times by telephone and by online secure message to get this corrected. After spending hours on hold, and twice being told that a supervisor would call me back only to never receive the promised call-back, I have concluded that it will not be possible to resolve this issue through the changes that BBVA has made available. I have yet to speak with a single customer service representative who know what a " Simple Cash Back '' offer is. This is despite the fact that BBVA advertises these offers as a feature of their credit card products ( see https : //www.bbvausa.com/digital-banking-services/cash-back-rewards.html ). When I call the number listed on BBVA 's website for questions about these offers, I am told that I must call a different number and talk to the credit card division. When I call the credit card division I am told I must call a different number and talk to the rewards division. When I call the rewards division, I am told they can not see any offers on my account. I have submitted receipts and screenshots of the offer via secure message ( see attached screenshots ), and in response I was told, once again, that I must call the credit cards division. I have asked twice to have this escalated to a supervisor, and the representatives on secure message simply ignore these requests ( see attached screenshots XXXX.
Consumer complaint received 2021-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (NY)

Have an AMX card for over 32 years. Always pay on time and in full. Paid a date late XX/XX/XXXX XXXX bill due XX/XX/XXXX was charged a late fee of {$29.00} plus {$8.00} in interest for this. Was informed that they couldnt change or correct because it was a system thing. Some restitution was discussed but morally I believe that AMX in this time of the virus and financial struggling times should not try to rip off its customers, especially those with my good standing and years of commitment. Would like to know if customers have no protection against this, especially in times of COVID-19 and the present financial conditions?
Consumer complaint received 2021-07-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (FL)

I received a reduced balance pay off opportunity from Convergent Outsourcing regarding a XXXX account. I wasn't aware of any debt with XXXX and by extension wasn't aware of any debt with convergent outsourcing. I sent a very detailed letter to Convergent on XXXX XXXX requesting validation. I requested several documents to validate the debt one of which included a original contract bearing a signature ( see attached letter for full details ). Convergent was not able to produce an original contract or any contract at all. Instead all that was provided was a bill. Which was not sufficient. 

In addition, Convergent outsourcing has violated my consumer rights under the FDCPA. I was not informed of my right to request validation, I was not informed that unless I dispute the validity of the debt within 30 days it would be assumed to be valid. Particularly Convergent outsourcing violated 15 USC 1692g ( a ) ( 4 ) and 15 USC 1692g ( a ) ( 5 ). This was not provided in there initial communication nor 5 days after initial communication as stated by law ( also attached ). 

Convergent outsourcing provided a document containing the states within which they are licensed to collect ( attached ). The state of Florida is not listed and therefore they are also illegally attempted to collect a debt in a state which they aren't licensed.
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NY)

My name is XXXX XXXX My social security number is XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ny XXXX. The problem is that my experian credit works membership is showing wrong information like when I look at summary of my credit score it tells me that I have one account thats 30 days late. But I don't have any late payments on my credit report. The problem is that it keeps showing up on my membership profile when I click on my credit score it show that a 30day indicator in the score sections. I address this mater to the disputes department and they told me that their isn't anything negative on my report. XXXX that I have to speak to experian credit works customer service. Because they have a different data base. So I talk to membership and I got the runaround that they don't correct mistakes they did tell me that they see it in the credit works profile but that's handled by regular special services dept this is affecting me because some lenders think I have late payments on my experian report but I dont
Consumer complaint received 2021-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (OR)

On XX/XX/2021, I purchased a dress from a vendor in XXXX XXXX XXXX XXXX XXXX, via debit card and XXXX, for {$350.00} USD. 

I received the dress on XX/XX/2021 in a XXXX shipping bag. There was no customs paperwork, no invoice, and no documentation inside the package. The package was brand new and certainly did not appear to have made the trip from XXXX to XXXX, Oregon. It had no customs marking on the package. 

The dress inside was wet, foul smelling, moldy, and crumpled up with a wet piece of filthy tissue paper. Minutes after opening the package, I called XXXX and asked for a delivery person to inspect the package and the dress. I was told by XXXX, it was my problem and I would need to take it up with the vendor. I called my bank, US Bank, immediately and started a claim on the purchase. US Bank issued a provisional credit. There was no phone number for the vendor so I sent a series of emails that were not responded to over the course of several days. US Bank mistakenly pulled the provisional credit from the wrong vendor. It then released the provisional credit back to the vendor. I called US Bank and they reopened the claim and reissued the provisional credit -- again from the wrong vendor. I have spent over 15 hours on the phone with US Bank ( not including the time spent on the [ phone with XXXX and XXXX XXXX trying to get this claim resolved and to clear up the bank 's mistake regarding issuing the provisional credit against the wrong vendor. 

Every time I speak with someone at US Bank I am told contradictory and incorrect information. I get endlessly transferred from one person to another, one department to another. Most of the time I hear, " that's not my department, you need to speak with someone else. '' I also have to reexplain the whole situation each time I am transferred. I have spoken with at least ten different managers, customer service reps, fraud specialists, and claim specialists since XX/XX/2021 without any resolution. 

I have very serious concerns about the competency level of everyone at US bank I have spoken to regarding this issue, where one vendor is denied the money she is rightfully owed and another benefits from this incompetence at my expense.

No US Bank manager seems to be able to fox this problem. Please help me to get the innocent vendor paid and my claim resolved.
Consumer complaint received 2022-06-21
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2022, I contacted the Credit Reporting Agency to dispute inquiries that appear on my credit report, which are false and inaccurate, as I did not authorize the inquiry on my report. I demanded in my letter to the agency to furnish proof in writing on the method used to verify AND validate the information, who they contacted and the contact information. The agency did not respond within the 30 days allotted by the Fair Credit Reporting Act, Section 609, in which the investigation must be resolved and the response provided.
Consumer complaint received 2021-07-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Marlette Funding, LLC (FL)

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL, XXXX XXXX Best Egg XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE, XXXX XXXX XXXX : Disputed Account Notice to Furnisher XXXX Dear Sir or Madam : I previously notified you that I am a victim of identity theft, and requested that you do the following : I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 
I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 
Please send me a letter explaining your findings and actions. 
Sincerely, XXXX XXXX XXXX Enclosures : XX/XX/2021 Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files.
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 
On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of. 
Today on XX/XX/XXXX, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX  is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now :
Consumer complaint received 2021-07-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NY)

JCPENNEY and their financial provider XXXX XXXX, sent me my XXXX statement to pay on XXXX XX/XX/2020, with a new balance of : {$1600.00} and I paid regularly {$200.00} dollars. 

The next statement for the month of XXXX to pay on XXXX XX/XX/2020 the balance was : {$1600.00} - {$200.00} payment + {$38.00} fees charged (? ) + {$1800.00} interest charges (? ) My new balance for XXXX XX/XX/2020 was : {$3300.00} Without any purchase made by us or either fraudulent purchase on our account. 
It took me awhile to find out what happened and where to go for help. 
I talked to a representative of the bank and she told me that maybe it was a new purchase. 
When I told her that it was not and the statement said it was interest charges, she said that I couldn't have more information about it because I was not the primary card holder. I said that I was authorized by my husband and she said that only to pay and to buy. Not to disclose any other information. 
My husband has been sick for quite some time and I know how deeply affected he gets with this kind of felony. He feels hopeless and doesn't know how to fix or get the help we need. 
I have the statements to show this outrageous amount and also I have been paying every month, which I know I already paid my purchase, though I am still paying for the interest theft because I did not know what to do until now that I am presenting this case to you. 
Please help us out. 
Thank you so much XXXX XXXX
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I was informed on XX/XX/XXXX by a mortgage refinancing company that my credit score was only 'fair ' because of a non-payment of {$29.00} for a bank of america/working assets credit card in the summer of XXXX i have had that credit card since XXXX and have always been on-time with payments. I no not recall receiving an email or letter informing me of the non or late-payment. the first i knew of it was XX/XX/XXXX when the re-fi company informed me of it. it does not appear there was any attempt to reach out to me about the late payment. 

when i learned of the non-payment, i paid if off immediately over the phone on XX/XX/XXXX. i was told that the card has been cancelled because of non-payment. i requested that bank of america delete the account and inform the credit bureau so that my credit score would be increased. 

As i mentioned, I have been a B of A customer in good standing for almost 30 years. to have the non-payment of a {$29.00} - for which i was not notified - lower my credit score seems unreasonable. 

thanks for your prompt attention. 

XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

XXXX which is a subsidiary of Experian Credit Bureau refused to remove an erroneous entry on my XXXX XXXX XXXX XXXX History Report. Case # XXXX. According to them ( and only them ) my odometer " might '' have been rolled back in XXXX of XXXX according to some unidentified " auction house '' notation at XXXX miles. The dealer I bought the car from gave me a XXXX report at the time which had no such notification, and the current XXXX reports do not have it either. This is obviously an clerical error that is adversely impacting my being able to sell the car, and needs to be removed.
Consumer complaint received 2021-11-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I have talked to Capital One three times. Each time I've been told that the problem is resolved and I should be getting a credit for {$650.00} for a return that they didn't apply correctly. They actually made the credit in XXXX or XXXX of this year and I thought that settled the matter. THen in XXXX, I get the amount debited to my account out of the blue. I call Capital One and they assure me it's an error and they're fixing it as we speak. Today I get another bill for the same amount. 

I'm at the end of my rope with these incompetents. I want to cancel the account but I can't as long as there is a balance due. I should have a XXXX balance.
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (LA)

I've been disputing XXXX XXXX account along with other inaccuracies with XXXX, XXXX  and Equifax to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts ... .. I have also reached out to XXXX  myself. I do not understand why this account can't be updated accurately when I am paying on this account monthly. This account should be reporting in good standing. See attached documents for inaccuracies recorded by Equifax, XXXX, and XXXX XXXX.
Consumer complaint received 2021-07-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (AZ)

Received an email address XXXX from some source stating it was XXXX XXXX about my credit score being decreased to XXXX and did a dispute and got a message saying contact XXXX  about the dispute and I contacted XXXX  which informed me that this collection agency or the company that I represent wasn't on my credit report. I even contact the collection agency and would give me accurate information. Here 's the link I click on below stating it's from lending tree : XXXX : XXXX? XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX % XXXX % XXXX & XXXX & XXXX & XXXX
Consumer complaint received 2021-07-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BSI Financial Holdings, Inc. (NC)

On XX/XX/XXXX via telephone with XXXX ( BSI FINANCIAL ) I made a mortgage payment with BSI FINANCIAL as my mortgage was in the process of being refinanced with XXXX XXXX. I didn't want to incur any late payment fees. Unaware that XXXX XXXX had dispersed funds to close out my loan with BSI FINANCIAL on XX/XX/XXXX. BSI FINANCIAL took my regular mortgage payment a day after that disbursement. On XX/XX/XXXX I called BSI FINANCIAL and spoke with XXXX and informed her that I would like a refund of my XX/XX/XXXX mortgage pymt since XXXX XXXX had dispersed funds on XX/XX/XXXX and BSI FINANCIAL took my pymt on XX/XX/XXXX via telephone with XXXX ( BSI FINANCIAL ). XXXX said once everything was processed that I would receive a refund of that XX/XX/XXXX mortgage payment along with my escrow payments. On XX/XX/XXXX I called BSI FINANCIAL and spoke with XXXX who said a check was sent out on XX/XX/XXXX. The check from BSI FINANCIAL was my escrow payments only. So I called BSI FINANCIAL again on XX/XX/XXXX and spoke with XXXX who stated no other funds would be refunded to me. Usually you have 2 months after a closing before the first mortgage payment is due. I received a mortgage note from XXXX XXXX ( the refinancer ) that my first mortgage pymt would be due XX/XX/XXXX. So I called XXXX XXXX ( XXXX ) since this was not two months between closing to verify this first payment date and he said that XX/XX/XXXX was correct. Please look into this as I believe BSI FINANCIAL or XXXX XXXX owes me that XX/XX/XXXX payment. I didn't have my 2 months between the closing before the first payment was due.
Consumer complaint received 2021-07-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (FL)

I previously notified you that I am a victim of identity theft, and requested that you do the following : I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the XXXX, as directed by section XXXX ( a ) ( XXXX ) ( B ) of the Fair Credit Reporting Act, XXXX U.S.C. XXXX ( a ) ( XXXX ) ( B ). I ask that you take these steps as soon as possible. 
I also have enclosed a copy of the FTC 's Notice XXXX XXXX, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 
Please send me a letter explaining your findings and actions.