davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-19
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: BARCLAYS BANK DELAWARE (CO)

On XX/XX/2019 I went to make a reservation at the XXXX XXXX XXXX XXXX, South Dakota hotel for four nights, XXXX XXXX. As I was making the reservation on the website a $XXXX discount promotion was offered if I opened up a Barclay's Wyndham Visa Credit Card. The webpage even showed the subtracting the $XXXX from my total for the reservation: $XXXX- $XXXX= $XXXX. So I jumped on it and was approved. When I received the approval email came later that XXXX XXXX  day, nothing was mentioned about the $XXXX promotion or any promotion for that matter. Right after I checked out using the Barclay's Wyndham credit card, I contacted Barclay's to inquire about the $XXXX promotional discount. The woman at first said it was only a $XXXX credit promotion then she looked on the XXXX XXXX  website and said, "I found it." Just as I said, "Ok great" she put me on hold for quite a few minutes. Then she came back on and said it was now "only for $XXXX." I told her that was unacceptable. Fortunately, the call was recorded on her end. I received a generic letter from Barclay's on XX/XX/2019 that did not even address the issue and said if I have any concerns to contact Barclay's. On my first statement, I was only given a $XXXX credit.  I called two more times to complain about not getting the $XXXX promotional discount and the customer service is in the XXXX. I don't appreciate the "bait and switch" tactics. I never heard of nor read or saw a $XXXX promotion. Every time I call Barclay's they want "proof" of the $XXXX discount promotion but they don't provide proof of the $XXXX promo in their email to me or their website. Knowing what I know now I should have taken a photo of the screen when I applied for the Barclay's Wyndham credit card. I would have never applied for another credit card for just a $XXXX promo. I have three major credit cards and several store credit cards. I don't need more credit cards.  I just took out a consolidation loan to pay off my credit card debt. I maintain Barclay's pulled a "bait and switch" promotion. They should be held accountable and fined accordingly and I should get the full $XXXX off.
Consumer complaint received 2020-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

My name is XXXX XXXX XXXX. I previously provided legal documents to each of the three credit bureaus attesting and verifying this fact. XXXX XXXX XXXX. Again, I attach verifying documents as requested by Experian, XXXX XXXX, and XXXX. I do not believe the errors in my credit report by mistake. My last name is not, XXXX, but there it is listed in my personal information. I demand strict proof that my name was reported as such, contrary to the CBI position. I have been told the credit bureaus can not honor my prior complaint/request or portion of it based on a limited amount of information. Yet these are the very same credit bureaus who have previously stated they conducted a thorough investigation of my complaints, so which is it? Each of the credit bureaus states their role in the dispute process is to review the accuracy and completeness of any disputed item to which I demand strict proof of their review, accuracy, and completeness. XXXX continues to falsely report past due payments on accounts that have been closed, written off, discharged and forgiven. I demand strict proof of their original investigation into the underlying fraud associated with the use of the XXXX cards. XXXX XXXX  continues to report two late payments on my car payment to which I demand strict proof of these delays, lapses or delinquencies. XXXX  claims they are unable to locate a credit file for one of the following reasons. If this is the case how is it that XXXX  is reporting credit inquiries on my credit report, continues to fraudulently report the XXXX, XXXX XXXX  fraudulent reporting and more. Further, why is XXXX  XXXX sending a response to my complaint when the XXXX  office in XXXX Georgia has traditionally responded? XXXX XXXX continues to fraudulently report a chapter XXXX bankruptcy that was dismissed without discharge in violation of the law. How is it that CFPB can not get their enforcement act together and appropriately address these matters? I guess corruption pays the better.
Consumer complaint received 2020-03-09
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 (PA)

Multiple gift cards were purchased on our store credit card account at Kohls. The company 's fraud department flagged the purchases as suspicious and suspended the cards. When I spoke with them and confirmed the purchases were legitimate they put me through some sort of verification process to reactivate the cards, but I apparently failed that process. Since the gift cards were not reactivated, I asked their purchases be removed from my account ( credited ). Instead of removing the charges they insist I must go to the store to have the charges removed. Why should I be inconvenienced more than I already have to get a credit back to my account for gift card purchases that were already blocked. I would actually assume that since they blocked the cards the refund to the purchase account would be automatic. Instead they are insisting I return to the store, consuming more of my time and money to resolve this. All they need do is credit the account for the purchase of the now useless and of no value gift cards. When I called them a second time and was escalated to a supervisor, they offered to attempt the verification process again to reactivate the cards, but I have already replaced the gifts and the cards are no longer wanted as gifts. I told them I don't want the card reactivated. I just want the account credited. Simple. They again held that I must go to the store to gain a credit. WHY? This makes no sense.
Consumer complaint received 2020-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-01-31
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. (LA)

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

XXXX  ; Experian and XXXX are reporting incorrectly a collection in the amount of {$7600.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2020-03-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cascade Capital, LLC (VA)

I received documents yesterday in the mail, after having been contacted by phone earlier in the week by XXXX. I told the callers that I would wait until I saw the physical evidence of the outstanding bills and that I wouldnt be paying them by phone. 
One reason I said that is because my hospital stay, which these bills are related to, was more than two years ago. I did explain in the phone conversations that I had paid my portion of any and all bills that Id received. This one, in particular, I never received not only an original, but I never received any type of follow-up that it was past due not from the practitioner, nor from XXXX, my insurance carrier at the time. The first Ive heard about it was now that its been sold to this organization.
Consumer complaint received 2020-03-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (IL)

On XX/XX/2020 I received a call stating that I owed a debt. I asked for all of the details of the debt but the agent wouldnt provide me with the info. On XX/XX/2020 I received a email stating that we could resolve the debt. I reached out but the agent had no knowledge of the email.
Consumer complaint received 2019-11-01
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. (GA)

I have contacted the credit reporting agencies about fraudulent accounts that have been opened in my name and I requested them to be removed from my file. The information is inaccurate and not valid, I needed to mail them current ID and mailing address along with fraud affidavit to support my concerns. They have not removed any negative inaccurate reporting nor have they removed any of the fraudulent accounts that I have reported to the agencies ( XXXX, XXXX, Equifax ). Since I have been disputing the inaccurate account, the bureaus have not sent me any credit reports nor have they followed the Fair Credit Reporting Act rules that are in place to protect the consumer. My rights are being violated my personal information has been compromised and I need to get the accurate information to be reported on my report. I am a victim of identity theft and I must have some valid proof from somewhere with a contract or a verified agreement that has my signature, I request this from the 3 credit agencies and they have not provided me with any documents to confirm any debt to be valid or connect to myself.
Consumer complaint received 2020-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NC)

On XXXX, I attempted to freeze my credit report with Experian multiple times using their web site ( https : //www.experian.com/ncaconline/freeze ), 3 times with my PO Box number and 3 times with my home address. Each time I got the message below. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - We were unable to honor your request to place a security freeze on your personal credit report based on the information you entered. 


Sending us your information To request a security freeze, send all of the requested information via certified or regular mail to Experian Security Freeze, P.O. Box XXXX, XXXX, TX XXXX. Include your full name, with middle initial and generation, such as JR, SR, II, III, etc. ; Social Security number ; date of birth ( month, day and year ) ; current address, and previous addresses for the past two years. In addition, enclose one copy of a government issued identification card, such as a drivers license, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc. Make sure that each copy is legible, displays your name and current mailing address, and the date of issue ( statement dates must be recent ). To protect your personal identification information, Experian does not return correspondence sent to us. 
Send copies of any documents you wish to provide to us and always retain your original documents. We will send you a confirmation notice once the security freeze has been added, and you will be given a personal identification number ( PIN ) that will be required in order to remove the freeze temporarily ( in order to apply for credit or for any transaction that requires that another party access your personal credit report ) or permanently.

Experian Security Freeze PO Box XXXX XXXX, TX XXXX
Consumer complaint received 2020-01-20
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: EQUIFAX, INC. (CA)

Equifax has placed another fraudulent medical charge on my account from XXXX for {$400.00}. I am unaware of this charge, the charge does not belong to me, and the charge is fraud / fraudulent. I don't even live in the state where the charge was made. My identity and identification had been stolen and used for years and still is, as I have reported to Equifax. Equifax is aware of my identity theft that I reported to them. I do not live in the state in which the charge was placed. I would like for Equifax to remove the {$400.00} charge. I have never had any dealings with the collections. The charge and account are fraudulent. Please remove from my credit report.
Consumer complaint received 2020-01-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I disputed Portfolio Recovery with all three credit bureaus. There are two accounts in the amount of {$680.00} and {$430.00}. Neither one of these accounts belong to me. I sent in letters as well as entered disputes online asking for this to be removed from my credit. This false information is causing issues in the advancement of my life due to defamation of myself and my credit history.
Consumer complaint received 2020-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: TD BANK US HOLDING COMPANY (WA)

I shopped at Nordstrom rack on XX/XX/XXXX, and they asked if I wanted to use my CC on file that I had opened and never used in XXXX. They said I would receive a Nordstrom note. I agreed, and let them know that I did not have a card ; they said they would send a replacement and my statement. The alternative and comments were never received. 

I then left the country for the holidays in XXXX, while gone I did receive a statement, and I paid the amount in full the moment I arrived back home. Since then, I was reporting late the three credit reporting agencies, and it has lowered my score 80 points. 

I called Nordstrom Card Services and told them my erroneous circumstances, and they agreed to waive the late fees, but not report the errors to the credit reporting agencies. I asked for a letter stating that they rejected the charges, and they refused and told me I have to wait for my statement, which I will not receive in the mail until XX/XX/XXXX. 

I feel like there was an error with mailing my original card and statement and that they are unreasonable to remedy the issue. This is directly impacting my life and creating unnecessary hardships as I am in the process of refining my mortgage so that I can take money out and get a new furnace and water heater. Please help. 

I also asked to open a case with the executive resolution team so that I could submit my proof, and they were not willing. 

There address is as follows : Nordstrom Card Services XXXX XXXX XXXX XXXX CO XXXX Additionally, I asked for my account number/card number since I never received the card, and they said they could not provide over the phone. They did submit a replacement card, but that will take 7-10 business days. That is the reason, and I can not contain my account number with this complaint. I also have documents proving I was out of the country and can provide bank statements showing that I could pay the fee, and I did, pay in full, so there is a XXXX balance on the account. The reason I could not pay was due to not receiving the statement and then leaving out of the country. Please ask if you need those documents. 

Thank you, XXXX
Consumer complaint received 2020-01-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I opened a UTMA Account for my minor daughter, she is XXXX. Since the opening of the account in XX/XX/2019, Citizens Bank has been holding deposits, reordering transactions, allowing small debit card purchases ( under {$25.00} ) to default the account so that they can charge {$35.00} on that nominal amount that had fallen into negative due to the banks reordering of transactions. To date, I have over {$1500.00} in overdraft charges and Sustained over draft fees. This bank is the most difficult to work with, I have made numerous calls to customer service ( at least ten ) regarding this issue of default ( which is comprised of ONLY fee 's by Citizens ). I  refuse to put another deposit into this account until they remove their exorbitant and fraudulent fees, They have already taken the last there deposits I put into the account for over {$400.00} to only put the account into further sustained overdrafts. This is a minor 's account and my daughter has been heartsick with losing her hard earned savings that was deposited into the account and then applied, every dime, to the overdraft fees. As a educated consumer I know what to look for with banks but this is robbery.
Consumer complaint received 2019-11-03
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. (VA)

I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2020-01-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (AZ)

Please see below for copy of letter that I will be sending to PHH mortgage the current servicer of my loan. I have contacted Ocwen the prior servicer and PHH once before. 

" This is the third letter sent regarding Trustee/Title fees in the amount of {$820.00} that were added to my mortgage amount AFTER my loan was modified. The modification documents were drafted and sent to me and bear my signature with a date of XX/XX/2018 with the first modified payment due on XX/XX/18. I spoke to Ocwen Loan Servicing customer service department when these fees were first added and explained to them that it is a lending violation to add fees related to the modification after the modification has been completed and signed by both the borrower and the mortgage servicing company. After this discussion, those fees were removed from my statement but appeared again on Ocwen Loan Servicing statements and now the fees are showing on the statements from you. The fees should have been a write off for the servicer as non-recoverable. Please review the modification agreement that was executed by both Ocwen and I and you will see that the fees were not part of the modification agreement and should be removed. 
I am requesting again that you remove these fees as I should not be responsible for fees that were billed to the servicer after the modification agreement was executed. I have sent a copy of this letter to both the Attorney Generals office and the Consumer Financial Protection Bureau to assist. 
Thank you for your attention to this matter and I look forward to hearing from you. ''
Consumer complaint received 2020-01-07
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (ID)

My loan was sold to Flagstar in XX/XX/XXXX. Prior to that, I was working on a loan modification/loss mitigation with my previous lender. They sold it to Flagstar in XXXX, and my house was put up for auction XX/XX/XXXX. I had to come up with XXXX to pay within 10 days or I was going to lose my house. I came up with that money with borrowing it from my friends parents. In XX/XX/XXXX, Flagstar rejected our payment from our bill pay with our bank. We had no idea until a month later when we received our statement. They couldn't tell us why they rejected it. This caused us to be 30 days behind. Since we only got paid on the 12th and the 27th of the month, our payment was now consistently 28 days late. Even though we weren't technically 30 days late, they sent an inspector out to inspect our home and charged us for it. They have done this 3 times! We weren't even 30 days late, and they're preparing our home for foreclosure! It has taken me 3 months to get someone to respond to the charges and tell me what they were for. At first they said it was negative escrow. Then it was they didn't know. They transferred me multiple times to the same dept that " couldn't help me '' until eventually I gave up. I've requested a detailed billing of the foreclosure charges. They have yet to supply me. If I don't pay right on the XXXX of the month, they call me excessively and leave messages. When i call to find out the status of my Loss Mitigation, no one is ever available to help me in that dept. Instead, they harass me about when I'm going to pay my bill. 
My Loss Mitigation paperwork has been on file with them for about 5-6 months, and I have yet to hear anything about it. I call, and they always need something else that was never requested before. I really feel like they are playing this out till my home forecloses. They know that I am recently divorced, and my income is limited.