davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report.I have not initiated any transaction with these companies that have been listed as inquiries. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with these inquiries for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 
My information was sold and bought illegally because I am a victim of Equifax data breach. I want these items deleted off my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach. Please help me delete these negative accounts on my credit reports that have been removed from my other credit reports : XXXX XXXXXXXX, Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX, Inquiry : XXXX XXXXXXXX XXXX credit reports listed below with the dates attached to inquiries that does not show open accounts on these dates. I do not contact these companies and I am attaching proof of data being breached through XXXX web and data breach from Equifax. All Credit Reports By Law List The Same Accounts For All Reports To Accurate And If and When Something Is Proven To Be False or Inaccurate and Removed From one Credit Report All Other Reports Should Do The Same.
Consumer complaint received 2024-03-10
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (NC)

The credit card company started giving me unexpected fees before I called them, the military counselor told me that those fees were illegal I contacted them ( the credit card company ) and told them that the military branch said due to the military lending act that those fees were illegal, so on my milestone card, after I called them, the lady Canceled the fee. They asked me to send them documented proof of XXXX status in the military and I did, I sent my military ID. When I sent the information in, they were able to cancel the fees on the milestone card. However, my indigo card has a {$300.00} limit and unexpectedly and out of the blue, they charged me {$100.00} annual fee which Ive never had before, which took my credit usage Over 30 % which lowered my credit score a lot. That illegal fee has dropped my credit to the point to where I am looking like Im unresponsible financially, so it is definitely causing me harm. I called them at least 10 times and they asked me each time to fax them proof of my military status. Each time I faxed them a copy of my military ID front and back thats clearly states my XXXX  status. Each time they send me a letter back saying they are unable to verify my XXXX status. So, I showed this to the military counselor, and they said thats unacceptable because all you have to do is a soft pull and it would automatically trigger A red flag on my account because of my XXXX XXXX They wouldnt do it and they continue to keep the fees on my credit card, which is growing interest and causing me financial harm because my credit score has dropped, and lenders think Im a financial risk. I made my last phone call which was one week ago today and told them that if we can not resolve the matter finally that I will report them to the CFPB. Attached, I will have documents showing where I have faxed them the proof on several occasions. Please help me resolve this matter, because they are causing me financial harm by dropping my credit score, because the banks in the credit bureau think that I am utilizing too much credit. And on top of that, Im at risk of having a late payment put on my credit because they are wanting me to pay that fee.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (GA)

Send a letter pointing out some failures in the collections since there were errors in the information. 
The companies continued to bother me by phone every day, affecting my integrity, I explained many times that there were errors in their information that I had already sent them a letter and they always denied that I had contacted them. 
I do not have an account with any of the companies that are in the collection of my credit and there is nothing that I have signed for them since they used my information and did not respond to the letter that I sent them more than 4 months ago. 
Midland credit managem {$350.00} XXXX XXXX XXXX {$1400.00}
Consumer complaint received 2024-03-06
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (MI)

On XXXX XXXX, I went to a Chase bank location to open a checking and savings account. The only reason I decided to do this was because I received a promotional marketing flyer in the mail. I have never consented to receiving marketing mail, and have attempted to remove myself from mailing lists in the past, unsuccessfully. However, that is one of the many complaints I have about Chase that is unrelated to this issue. 

The promo was offering {$900.00} if I were to open a checking and savings account with Chase and follow certain conditions ( Set up direct deposit in the checking, leave {$15000.00} in the savings for 90 days ). I gave the representative the promotion coupon and he helped me set up the accounts. I verified that I knew exactly the steps needed in order to qualify for the {$900.00} promotion before I left. He stated that he had entered the coupon in the system and that he would follow up if there were any issues that would cause me not to receive the promotion. 

Towards the end of the 90 day period, I attempted to reach out to the representative that I opened the accounts with. After a few days of tracking down this person, as they had moved locations, I was told that the promo seemed to not have been applied to my accounts. This didn't seem like a big deal at the time, and he said he would escalate the issue in order to get it applied. 

It has now been over a month since the 90 days have passed, and I still have yet to receive either the {$900.00} I was promised or any form of solid answer on when or even if this will happen. It is nearly impossible to get anyone on the phone, and my voicemails are almost never returned. I have been asked if I have the original coupon, which I somehow have misplaced, but this promotion is publicly available to everyone, and is available on their own site ( https : //account.chase.com/consumer/banking/checkingandsavingsoffer ). 

I followed the requirements exactly and I qualify for the promotional money, but they are refusing to give it to me. Not only are they refusing the {$900.00} they promised, but a month has passed since the required 90 days has ended, and this has cost me over {$60.00} additionally in interest I could have earned, had the money not been in their 0 % interest accounts. I could have had this money in my primary savings account for 4 months and had {$240.00} in interest instead. This experience has cost me a large sum of money as well as an even more substantial cost in time and stress.
Consumer complaint received 2024-03-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current (NY)

XXXX XXXX in violation of CFR 1005.11 ( c ) ( 1 ) and 15 U.S. Code 1693f ( c ) for failing to provisionally credit the customers account in the amount of the alleged error after receiving written notice about seven unauthorized transactions totaling {$4900.00} that were deducted from the Plaintiffs checking account and failing to complete their investigation within ten business days. Defendant opened their investigation related to the unauthorized transactions on XX/XX/2024. Defendant did not provisionally credit the Plaintiffs checking account or make a final determination of their investigation within ten business days on XX/XX/2024 ; b. Holding Defendant in violation of CFR 1005.11 ( c ) ( 2 ) and 15 U.S. Code 1693f ( c ) for failing to complete the investigation and providing a provisional credit to the Plaintiffs checking account within 45 calendar days ( XX/XX/2024 ) of opening the investigation on XX/XX/2024 ; XXXX XXXX XXXX  in violation of CFR 1005.11 ( c ) ( 1 ) and 15 U.S. Code 1693f ( e ) by failing to initiate and conduct adequate error resolution investigations in a timely matter, failing to make a good faith investigation of the alleged error, did not have a reasonable basis for believing that the Plaintiffs account was not in error, and that the financial institution knowingly and willfully concluded that the Plaintiffs account was not in error when such conclusion could not reasonably have been drawn from the evidence available to the financial institution at the time of its investigation.

d. Directing Defendant to immediately credit the Plaintiffs Current Bank Account ending in the amount of the damages of {$4900.00} occurring from the unauthorized transactions
Consumer complaint received 2024-03-21
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (CA)

Hello, As a resident of California, I would like to point out the unlawful attempts in which your agency has repeatedly perpetuated while attempting to collect a debt that I owe no responsibility to. 

1 ) According to the Disclosure for California consumers, you all are not permitted to use false or misleading statements. Below you all stated as of XX/XX/year>, that National Credit Systems , Inc. has been authorized by its client, XXXXXXXX XXXX XXXX XXXX XXXX, to extend a special offering to resolve the above referenced account at a fraction of the balance owed. This statement is false and misleading due to XXXX XXXX at XXXX not being an operating entity and has not been for over four years. XXXX XXXX at XXXX was never a stand alone entity and was operated under a parent corporation that handled all affairs. If you all can not produce evidence of an active relationship and business agreement with the appropriate and operating party, I will consider your attempts as fraudulent and misleading. I as a consumer should not be misled or coerced into a decision concerning a debt based on statements not true from the collection agency. 

2 ) If you all are in contact with any associated party of XXXX XXXX at XXXX, please reach out to them directly for more information and proof of the debt allegedly owed. In the past, I have requested the documentation you all received from XXXX XXXX at XXXX and was told you all had no way of obtaining such as they are no longer in operation and no documentation could be produced other than one PDF with an incorrect/incomplete social security number as the identify factor that this debt belonged to me. 

3 ) It is unlawful to use tactics such as the attempt below to collect a debt and deny the consumer of evidence to support your collection activities. It is unlawful to continue attempting to collect a debt after the consumer has verified the identifying information you all received is incorrect and not a valid form of documentation to enforce debt collection. 

I will be submitting a complaint and investigation request to the Federal Trade Commission.
Consumer complaint received 2024-03-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: PENTAGON FEDERAL CREDIT UNION (GU)

Good morning, Reference loan event attached to this e-mail. Member advertised one vehicle and brought in nearly exact duplicate to sell. I noticed discrepancy but couldn't find the advertisement on XXXX XX/XX/XXXX. I have brought this situation up to Attorney General ( AG ) in XXXX but no one in A. G. Office seems interested. Only requires a request from XXXX XXXX advertisement concerning information from XXXX  thru XXXX  XX/XX/XXXX. It should show member advertised XXXX but switch XXXX vehicle. I can't request it. The vehicle advertised was a XXXX XXXX XXXX but member brought in a XXXX XXXX XXXX with nearly identical mileage and color. Would have gotten away with it but he chose to brag about the indiscretion. Request your organization do something about it.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As you are aware that I was a victim of XXXX data breach and deleted the account from my credit report because you saw I was a victim of this data breach, TransUnion has refused to delete this item from my credit report. Please delete it immediately as I was a victim of this XXXX data breach. 
I attached a proof that I was in fact a victim of this XXXX data breach, I also attached a dispute result were TransUnion refused to delete this item.
Consumer complaint received 2024-03-02
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (MO)

I bought four tires in XX/XX/2023 for roughly XXXX and was offered a 6 month no interest credit card. I am an XXXX and well versed in financial matters. I have always paid credit card balances in full and have never missed payments unless there was a mailing problem. 

To me, 6 month no interest card means an interest free loan for six months. This was not the case. It turned out that minimum payments were required and late fees were assessed when minimum payments were not made. So a requirement to make a minimum payment results in lost interest ( 5 % can be earned on a savings account ) so to me this is not a " no interest '' credit card. And late fees were usurous. A XXXX late fee was assessed on first XXXX minimum payment. That is excessive and exceeds any promotional interest rates. A second  XXXX late fee was assessed on second missed minimum payment as well as a negative notification to the credit rating bureaus. 

I went back and looked at the materials I was given. They were incredibly deceptive The original receipt describing the credit card had NO mention of the minimum payment. I was given a 15 page description of the credit arrangement. Principal terms were in bold. In fairness, the minimum payment requirement was on the front page but NOT in bold. This 15 page description was promptly filed. The original balance statement, which I kept handy because it was only 1 page had the no interest offer mentioned on front page. The requirement of minimum payments was on the BACK page in fine print.

I feel that the mention of the requirement of minimum payments was deliberately understated by the company ( Synchrony Bank ). If this trap got a sophisticated consumer, I can't imagine what is happening to the average consumer.

I have verbally requested return of the late fees and
revocation of any notification to credit report agencies.

I know there has been recent action by CFPB on late fees. I don't know if this issue has been addressed but I think there should be requirement to make better disclosure of minimum payments on these " no interest for _ months '' offers. I have never made use of these offers before so have no other banks in comparison. 

I have retained most of the material provided by the company and would be happy to provide so as to improve future disclosures to consumers.
Consumer complaint received 2024-02-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: BROKER SOLUTIONS, INC. (GA)

I started the process at the end of XXXX. I was assured I would qualify for the loan. I have excellent credit and a long credit history. 
I submitted ALL requested paperwork. They asked my accountant to write a letter about my XXXX tax return, which he did. Then they asked him to write another letter saying something that was not really true. We refused to do that. 
Then they said they could not get me a traditional mortgage, but could get me a less traditional mortgage, with -- OF COURSE, a 2 % higher interest rate. They ASSURED me I would get this one. 
They sent me all the documents AGAIN -- the disclosure documents. 
They told me I was conditionally approved. I got this email today " Hi XXXX, Were aiming to close on XX/XX/XXXX so it will be only another XXXX weeks. The underwriter gave us an approval. Prior to approval conditions fulfilled Now we have to clear prior to doc conditions. XXXX is still helping with file because shes been correspondent with title on your loan. Shell help provide a list together for the remaining things '' I called and asked what 'things? ' Oh, we will have to get you a list. Mind you, I have been providing them documentation since the beginning of XXXX and they don't know what is needed yet? And I have been dealing with the same people. XXXX in particular, XXXX, seems to play the part of the 'bad guy. ' I have never been turned for collateralized financing in my life and I am XXXX XXXX XXXX. 
I believe they are running a 'bait and switch ' to get me into a higher interest, worse terms loan. My initial loan amount was going to be for {$200000.00} with 10 % down and 7 % interest. The new loan that I was assured I was going to get approved for is now at 9 % interest, with 15 % down and outrageous {$10000.00} in closing costs. They are just stringing me along and playing games with me. 
I am tired and just want to purchase this house. The process is abusive. I have a very stable W-2 income which they REFUSE to acknowledge because I am a small business owner.
Consumer complaint received 2024-02-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (MD)

I was employed at XXXX XXXX through XXXX of XXXX. At that time, I spoke with Human Resources to discuss the amount of the original sign-on bonus that I was required to repay, and they said that someone would reach back out to me. The original agreement stated that it was a monthly pro-rated amount based upon months worked. I was employed at XXXX XXXX for 15 months and the agreement was based on 18 months. 

I did not hear anything from XXXX XXXX until XX/XX/XXXX regarding bonus repayment. At that time, they sent a letter, with an attachment dated XX/XX/XXXX, that stated the terms of repayment with the prorated amount being < {$2000.00}. I responded the next day on XX/XX/XXXX, agreeing to payback the amount determined and asked for an acceptable time period to repay the amount due. I asked if it was okay if I waited a pay period or two before repayment. I did not hear any response. 

Today, XX/XX/XXXX, I opened a letter from I.C. System Inc. ( debt collector ) attempting to collect $ XXXX on behalf of XXXX XXXX XXXX I called I.C. System Inc. and they were not able to provide any details upon request. The amount on the letter is extremely vague and the representative that answered the phone was vague as well. I have never received any other correspondence from XXXX XXXX indicating any debt owed to them at any point, other than the prorated bonus payback from above, so this seemed very bogus. Furthermore, the letter is dated XX/XX/XXXX, so it was sent before I received any correspondence from XXXX XXXX. 

I need XXXX XXXX to identify the justification for the $ XXXX amount owed. Or I need I.C. System Inc. to provide additional details. What amount was submitted to the debt collector and why? Was this related to the bonus repayment? I have not received any correspondence or justification from XXXX XXXX to this point regarding this amount.
Consumer complaint received 2024-03-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd ()

I used TransferWise 's services with no problems for a few months. From XXXX or XX/XX/XXXX, my transfers began getting cancelled. 

Initially, the company was unable to explain why although eventually they decided it was a verification problem. I submitted my documents and pictures of my face multiple occasions in order to try to resolve this issue. In good faith, I called what must have been 10 or more times to their customer service but the issue was never resolved. As of XX/XX/XXXX, this issue still isn't resolved. 

I tried to withdraw my standing balance of {$130.00} but TransferWise are blocking this withdrawal and are aiming to retain the funds. They continually send me through the same customer service loop but refuse ultimately to verify my documents or explain how this matter can be resolved. 

This has been going on for 9 months and my money is just simply stuck in this company.
Consumer complaint received 2024-03-01
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: FIRST INTERSTATE BANCSYSTEM, INC. (CA)

First interstate Bank is holding a CD that myself and three other Siblings are named as beneficiaries.. Mom passed away and the bank refuses to divide the CD and give me my portion ( XXXX ). They are requiring all 4 Siblings to sign off on the CD. Two siblings are uncooperative. The bank is holding my money requiring some one else 's signature to release my share, First Interstate is taking advantage of the situation to keep deposits in their bank and have admitted to me it is " their '' policy, NOT the law. I have NO interest in investing with my siblings. I want my money released. This bank is taking advantage of my mother 's death to prolong holding my inheritance as part of their deposits. Despicable policy taking advantage of ( how many ) beneficiaries loss. First intertstate Bank in Grants Pass, shame on you!