davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-11
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. (MI)

I previously filed a dispute with Experian concerning an account that is being reported by XXXX XXXX XXXX. I asked Experian to delete the information being reported as it is being reported inaccurately. I don't dispute the fact that this was an account that I was responsible for, because I was. This account was charged off and sold with a company that I have been paying over the last few years. My concern is that the information reported with Experian as inaccurate. Upon receiving the results from Experian on report number XXXX dated XX/XX/XXXX, I contacted them by phone. I was advised that the information was verified. I am challenging the verification of the accuracy of the information being reported. I do not believe that Experian is doing its due diligence when verifying information that is being reported. I am including 2 different reports of which XXXX is the creditor. On the report from XX/XX/XXXX from Equifax, they reported that my last payment was XX/XX/XXXX, however, the Experian report shows payment was made in XX/XX/XXXX and XX/XX/XXXX. XXXX and XXXX both deleted this account from my credit report. I know that is not a reason for Experian to delete but the fact that incorrect information is being reported should be. I look forward to your response of this complaint.
Consumer complaint received 2018-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (MA)

On XX/XX/XXXX, I added 4 authorized users ( AUs ) to my amex platinum card. There was a current promotion ( see attached ) by amex that showed a bonus of XXXX points per AU when each AU spends {$500.00} in the first 3 months of card membership. Each of these AU spent over {$500.00} within the first 3 months, but only one of the AUs received the XXXX bonus points. I contacted Amex about these missing points in XX/XX/XXXX, and opened a case. 8 weeks went by, and the case was  closed without any resolution. Amex told me to continue waiting. I waited for an additional 8 weeks, and did not receive any resolution again. I was simply told that the Back Office was working on this case and there was nothing Amex could do to help me. It has been over 16 weeks since Ive opened the original case and have received no insight as to why I havent received this bonus or information on when I should expect to receive the bonus. Ive attached a screen shot of the promotion as well as my statement showing the spend on the AU cards.
Consumer complaint received 2018-02-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sabatina & Associates, P.C. (PA)

SABATINA & ASSOC PC Hello. 

Please see attached. 
RE : Acct/Ticket # XXXX I dispute this alleged debt of {$96.00} from early XX/XX/XXXX. 

Please confirm receipt and take action. I do not owe this alleged debt from XX/XX/XXXX, nearly six ( 6 ) years ago. 

Any other attempts to collect debt is a violation of FDCPA. 

- XXXX XXXX RE : Acct/Ticket # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Public Information Attorney ID : XXXX Current Status : Active Date of Admission : XX/XX/XXXX Law Firm : Other Organization : Address : SABATINA & ASSOC PCXXXX XXXX XXXX XXXX XXXX XXXX XXXX., XXXX Pennsylvania XXXX
Consumer complaint received 2018-02-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION (OR)

Hello - I opened an account with BBVA Compass bank on XX/XX/XXXX under a bonus offer to receive a bonus of {$200.00} in exchange for doing at least {$300.00} in direct deposit, which i fulfilled two separate times on XX/XX/XXXX and on XX/XX/XXXX - i was told that i would receive the bonus within 60 days of meeting the bonus requirements. I did not receive any promotional bonus as of this writing, and after submitting my case to BBVA compass several times via secure message, they have told me twice that it was under internal review, only to not respond any further - once on XX/XX/XXXX ( representative XXXX ) and then again on XX/XX/XXXX from representative XXXX - both promised a 24-48 hour response with no avail. I am very unhappy that this process has been so difficult and that BBVA Compass has been so poor at responding to my requests. 

XXXX
Consumer complaint received 2018-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (MS)

This regards two purchases made from XXXX on an XXXX XXXX credit card. The card advertises a points-based reward program, but twice I have tried to use accumulated points toward purchases at XXXX, and I have receipts from XXXX that show the points were supposedly applied and my balances reduced, but when the XXXX XXXX credit card statement arrived, both orders were charged full price. 

One purchase was made XX/XX/XXXX. The original price was {$19.00}, but after rewards points, it should have been {$18.00}. My credit card was charged the full {$19.00}. ( I have an XXXX receipt showing that my total should have been {$18.00}. ) The second purchase was made XX/XX/XXXX. The original price was {$10.00} plus XXXX cents tax, for a total of {$11.00}. I also had a separate rebate of {$5.00}, bringing the total down to {$6.00}. Then I applied enough points to cover the entire transaction, so I shouldn't have been charged anything, but my credit card was charged {$6.00}. ( I have an XXXX receipt showing that I owed nothing. ) I called XXXX to resolve the issue, and XXXX blamed XXXX XXXX. I then called XXXX XXXX, and the customer service representative acknowledged that this is a recurring problem but said she could do nothing to resolve it. I asked to speak to a supervisor, who said that XXXX had evidently reversed the points after the transaction. ( The orders were not returned, so I'm stuck with the full pre-points balance, and no one can resolve it. Both sides are blaming the other side. ) I got this card because of the rewards program, but for reasons that no one can explain, I can not use the reward points. This smells like fraud to me.
Consumer complaint received 2024-11-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-11-08
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. (FL)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-11-08
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. (IL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2018-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My credit reports have three Negative connotations. They are defined as : serious delinquency.They happened in 2012, when I was a new immigrant, and I didn't know about the country 's credit system. 
The three accounts about because of events in life, I live in the United States at that time, my father is XXXX XXXX XXXX living in XXXX, he suddenly became very ill, I have to leave the United States, to return to XXXX to look after him, I remember I was the second day of the news on the plane left the United States, this led to I didn't arrange the rest of the things. 
Now that I know the existence of these three credit reports, I regret it and start paying them back. 
They've been around for six years, and I've learned that I can't buy a car or apply for a credit card for six years, which makes my life very difficult.I can't live in a city without bus or subway, because I can't buy a car. 
My sincere confession, hope to get your understanding, please don't let the three credit report affect my credit, I just want to buy a car loan, because can't buy a car, my life has become very difficult. 
I believe that the credit report is more for education and correction, not just for punishment. 
I know according to the rules, there may be 1 to 2 years they will eliminate these, but I sincerely hope that you can now in this way, because I got enough lessons, me and my life is going to collapse. 
I am willing to pay all the arrears or fines that I need to repay, just hoping to delete their influence, let me apply for a car loan, and then go to work and life.
Consumer complaint received 2018-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

On XX/XX/XXXX " XXXX '' conducted two back to back hard credit inquiries on my Equifax credit reporting account. On that same day, they also submitted a hard credit inquiry on my XXXX   account. I believe this is all connected to an inquiry for service with XXXX ( XXXX XXXX of XXXX XXXX, KS ) on XX/XX/XXXX, XXXX. Who also conducted a hard inquiry on my XXXX   account on the XX/XX/XXXX. At the time of inquiry, I learned that XXXX was not servicing my area - so I don't know why I now have four hard credit inquiries across two credit reporting agencies for service that was never provided or even possible to provide. I'd like for them to be removed, as they are adversely impacting my credit scores.
Consumer complaint received 2018-02-21
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: Experian Information Solutions Inc. (CO)

I left a business in which I was the Guarantor on several accounts. One account being a XXXX XXXX credit card. Per legal contract with the business I was leaving they were to remove me as guarantor from all accounts and assume all prior debt and future debt. This was in XX/XX/XXXX. 

In XX/XX/XXXX I found out that they were still using my personal guarantee and had made no attempt to remove me. This was a fraudulent use of my credit. I closed the accounts immediately I hired an attorney and began a law suit which resulted in an out of court settlement agreement. It was too late to fix any credit issues that came up. qn attorney who did not understand that I needed to expedite the process before my credit was trashed. 

I am an account holder with Experian credit reporting as my FICO Score is normally between XXXX and XXXX on average. On XX/XX/XXXX my score dropped from XXXX to XXXX ( 200 Points ) and XXXX XXXX  XXXX credit card services reported two months of missed payments. 

I believe I had the right to be notified of any changes prior to my score being changed and notifications of any payments in default. If they sent that to the company I no longer owned of it was not forwarded to me by mail or email. 

XXXX had my SS # and could have found my home address at any time. 

Now under the settlement agreement I managed to get the account paid in full within a week but after two months of missing payments by the company. XXXX did remove the non payment info but not the business address. However, they only restored 132 points to my FICO credit score making my normally excellent credit score just good. 

I noted another address that looks like a typo to my home address. Have to fx that also and was placed on the report by XXXX 
. 
I placed a Fraud alert on my accounts and Experian used the words military service. I am XXXX years old and have no reason to join the military. I am now forced to explain by letter to correct that. They cant explain or fix it by phone. I guess i many now be in the military under XXXX XXXX. 

MY issue is that my credit was used fraudulently. I have hired a firm called XXXX XXXX to go through my credit reports and have them fixed and have provided all legal documents.. 

The one big no answer that a have received from everyone so far is why cant I get my full FiCO credit points restored. Am I the only one to ask? Experian said it was a computer-generated decision, so now according to the computer I am not good enough to have excellent credit only good credit.But I can fix that over time they said. I have already spent 32 years keeping excellent credit scores but that does not count. 

So does anyone know how to restore Fico Points removed from an account by fraudulent use. I could sue XXXX XXXX and waste more money but there should be a way to dispute the point Reduction in cases of fraud.
Consumer complaint received 2018-03-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST REPUBLIC BANK (CA)

during our divorce, I was deeded off ownership of the family home. My ex husband owns the property as sole and separate property. I have no ownership interest in this property. This was 2 years ago and the bank still has me on as an owner and refuses to change this despite me sending several written requests during the past 2 years. Now the property has had several late payments and because my ex husband has not been able to make the payments. The bank is reporting this to my credit score which in return makes me unable to get a loan. My credit is otherwise very good, but the negative credit reporting by First Republic Bank has made it very difficult to improve my credit score. I have written to the bank and spoken with them on several occasions however they will still not take me off of the loan even though I haven't owned the property since XX/XX/2014. The amount still left on the mortgage is {$560000.00}.
Consumer complaint received 2018-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc. (IN)

There are 3 different accounts on all 3 credit bureau reports that are all incorrect. I have recently sent a dispute to XXXX and I'm waiting on results. When I looked at my XXXX  report the accounts are present, but they did not show up when I tried to complete a dispute with XXXX. The problem I'm having is with XXXX. I attempted to dispute these same 3 accounts and I was told that because I have tried to dispute these years ago, I can not dispute them again. XXXX has not shown me any documentation that states these accounts are correct. What else can I do to have these accounts removed? I have no contract ( and never have had any ) with either of the companies. I am currently working with XXXX XXXX in which they have sent out several letters on my behalf only to get no response.
Consumer complaint received 2018-01-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NY)

I was instructed to wire a deposit to Coinbase, so I followed their instructions. However, there was no space in my XXXX Wire Transfer form for Coinbase 's specific alphanumeric reference code, so 1 day later, I made an amendment request through XXXX to amend the " special instructions '' section to include it. At the time, Coinbase promised the deposit will be available in 3 days, or that it will be reversed back to the bank that had sent the funds within 5-10 business days. It has been over 30 calendar days now since I first submitted the wire, and I have still not received the funds into my Coinbase account or back into my bank.
Consumer complaint received 2018-03-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (UT)

I bought my house on XX/XX/XXXX and was required by the lender to have an escrow setup to pay my home owner 's insurance, PMI and property taxes. In XX/XX/XXXX of last year I received my property tax bill from the county ; the amount due was {$730.00}. XXXX, my mortgage company, did pay my property taxes in XX/XX/XXXX in the amount off {$1200.00}, although the county was still showing me as delinquent on XX/XX/XXXX when I received a delinquent notice from them, XXXX had not paid to the account number associated with my address. After getting that resolved the county said i had overpaid by {$460.00} and was due a refund, this was on XX/XX/XXXX. I sent the county a request for the overage to be sent to me in a check. I waited a month and still had not received the refund check so i called the county to ask why, and they told me that XXXX had been calling them about the refund and wanted the check sent to them instead ; The county is still holding the refund while this is being resolved. The beginning of XX/XX/XXXX I received my escrow analysis from XXXX and they are still overcharging me monthly for property taxes, they're also saying I have a shortage of {$250.00} in my escrow and my payment to cover the shortage will now go up by {$35.00} a month. I have sent them numerous emails and called several times to try and resolve this matter and prove to them that I am being overcharged for property taxes every month and that I shouldn't have a shortage in my escrow because i ended XX/XX/XXXX with a surplus of {$120.00}. XXXX either doesn't respond in a timely manner, like their website promises to do or they insist that the amount they are charging me on property taxes is what my county is saying I should be paying ; That is an out right lie, my property taxes did not go up by almost {$500.00}, I don't know where XXXX is getting their information, but the county says I will not be paying anywhere near the {$1200.00} that XXXX is charging me.
Consumer complaint received 2018-03-11
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (VA)

I have IRA with NAVY Federal Credit Union and the balance is not correct so I requested copy 's of all withdraws, and they disabled ; my account so I have no access to my account, nor was I provided copy of withdraws base on the balance there funds are missing. They refused to provide requested in formation and then disable my account in questionable. This is a new compliant and they are not working on it How much more time will you give them to resolve the other compliant, you time limits means nothing to them or you as it appear I hope this is not a repeat of you action during nothing as rrequired
Consumer complaint received 2018-02-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (HI)

n XXXX of 2017, My internet friend named XXXX XXXX referred me to an FBI agent in XXXX named XXXX XXXX who said that he could investigate the scam case for me in XXXX and got the criminals apprehended and flied back to U.S. for a trial. 
At that time, I trusted them a lot and provide with them all the information that they need. XXXX XXXX did not ask for money in the beginning, but later on he said that he had received an arrest warrant and will have two of his men went to XXXX to arrest the criminals. So after two day later, he said his two men had arrived to the XXXXXXXX XXXX XXXX in XXXX to execute the arrest warrant. But however, the XXXX XXXX XXXX needed {$4300.00} to register a warrant from the U.S in order to arrest the person. XXXX said that I needed to pay that money immediately so that the warrant would become effective. He gave me a persons name called XXXX XXXX who is the officer working in the XXXX. I need to transfer {$4300.00} to him by XXXX. Finally, I made the following 2 payments. 
Order date Amount Reference No : XXXX XX/XX/2017 {$2000.00} Reference No : XXXX XX/XX/2017 {$2300.00} After they received totally {$4300.00}, XXXX XXXX started to ask me another XXXX certificate payment of {$14000.00}. I immediately suspected that something wrong with this case. So I stopped making all the payments. Then XXXX XXXX started to scold at me and then stop all communication with me. 
Later on, I found out XXXX XXXX is a faked FBI and his introducer, XXXX XXXX is also a scammer. However, I lost {$4300.00} already and I dont know what will be the best ways to recover my lost money.
Consumer complaint received 2018-03-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: UMPQUA HOLDINGS CORPORATION (OR)

I open a checking account with my XXXX that I've been receiving for 28 yrs. This XXXX XXXX charged me over and over for months XXXX till they bill got up to XXXX dollars repeatedly took my whole check which was automatically deposited every month they did that without asking me they are a bunch of crooks And I see there CEO is up on charges for the same thing they did to me Please help