davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-29
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (CA)

My health insurance did not pay the claim originally because of the way it was submitted. I contacted the insurance co. And they resubmitted it and paid the claim in XXXX XXXX. I contacted the collection agency recently to ask them to contact the credit bureaus to say the collection was an error. They told me their client sent them an email in XXXX XXXX saying to continue to try to collect. I spoke with a representative on XXXX/XXXX/XXXX and they told me to fax the paid claim statement which I did. I just looked the account up online and it says I owe {$20.00}
Consumer complaint received 2016-07-29
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Army and Air Force Exchange Service (CT)

I took out a star card through the military, I was told that everything must be paid before you can clear post, including your star card. I have since been out of the military and no longer have access to banking records to show payment. Also a fellow soldier in my unit has been committed for credit theft, he has since XXXX. He stole a bunch of cards and went missing ( XXXX ). Im not positive but he may have stolen my card as I believed I had it paid in full and was allowed to clear the post.
Consumer complaint received 2023-07-13
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2016-07-29
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

Ocwen and/or XXXX XXXX XXXX fraudulently obtained my personal and sensitive loan data from my XXXX mortgage holder XXXX XXXX. Owen wrongfully foreclosed on my home on XXXX XXXX, 2016. I obtained information from my XXXX lender XXXX XXXX on Tuesday, XX/XX/XXXX that they received a phone call on the day Ocwen auctioned my home fraudulently using my ex husbands name. My ex husband is willing to testify that he did not call in. The person had my ex husbands name, loan number, birthdate, last XXXX of his social security, and knew the property address. After XXXX XXXX verified who they thought was homeowner on the loan, the preceded to offer my loan status, my reinstatement amount, my current interest rate, and a payoff quote. Now only ocwen knew my ex husband information as he was on that loan too. They fraudulently used his name to to obtain the information to conduct a wrongful foreclosure. Or perhaps they helped XXXX XXXX XXXX obtain that information. I would like Ocwen and XXXX to answer to this.
Consumer complaint received 2016-06-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc. (NC)

i received a response previously from this company advising that payment was made and this account is being updated but I have never made a payment and i sent the documents previously where this debt is apart of identity theft but this company refuses to delete this erroneous information from my credit file i have police report and affidavit reflecting that my identity was stolen this company refuses to recognize the uploads of the affidavit and police report from the cfpb
Consumer complaint received 2017-02-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NJ)

I tried emailing and calling years ago to understand why my total payment was not going down. I did not receive any quality information. The same with my private loans. I have been struggling with my loans and when I have extra money I put it into the loans. I 've even called to tell them to put it towards principal which was ignored on both federal and private.
Consumer complaint received 2023-07-13
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: JPMORGAN CHASE & CO. (CA)

To Whom It May Concern, I am writing regarding fraudulent bait and switch tactics of Marriott and Chase regarding the Marriott Bonvoy " BOUNDLESS '' credit card. I recently applied for the card based on the advertisements that I saw online. When I went to apply, the offers kept changing. I wanted the offer that had {$300.00} instant credit from Marriott, plus up to XXXX points after spending {$3000.00} in the first six months. After I was approved for the card, I continued to see the promotion for the {$300.00} credit. I tried to apply again, but was denied ( likely because I had just been approved ). To this day, I continue to see promotional ads in my Marriott account about the {$300.00} credit, but when I click on that link, it goes to a different offer. See attached screen shots, including that when the offer is clicked, it changes to a different offer. 

At this time, I have not received a {$300.00} credit. I have called Marriott and Chase several times, and each company just points to the other party as the one responsible for the deceptive advertising. Each one says they have no ability to give the credit. I am still seeing the promotion for the {$300.00} credit all over the Marriott website, including on the home page and also when I log into my account. This is after I have notified both Marriott and Chase that the deceptive add is still being used and there is some pretty massive fraud and legal exposure. 

TO THIS DAY, I AM PROMOTED WITH THE {$300.00} OFFER, AND THEN WHEN I CLICK ON IT, IT IS A DIFFERENT OFFER. I have called both Chase and Marriott at least two times, and they do not seem to understand, or take seriously, the ongoing fraud. 

Damages for fraud are treble, so I'd like a credit to my account of {$900.00}. 

I'm copying various enforcement authorities to look into this, including reporting to the CA AG, CPFB, XXXX, etc. 

XXXX XXXX, XXXX. 
XXXX XXXX
Consumer complaint received 2016-07-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (VA)

I opened a Citigold account with Citibank in XXXX XXXX under a promotion ( XXXX ) for XXXX XXXX miles once I made two electronic bill payments within 2 months of account opening and {$1000.00} of debit card purchases. I opened the account under this promotion and verified ( in writing ) with a citigold representative that I was eligible and enrolled in this promotion. I completed the requirements XX/XX/XXXX ( verified it in writing with a citigold representative ) and told that my XXXX miles would post by XX/XX/XXXX. After not posting in the promised timeframe, I reached out to Citigold in XX/XX/XXXX and was told that it would be investigated. Despite weekly inquiries from me, I have not been contacted once with an update or a resolution. In fact, there is no evidence that any progress is being made. I continue to inquire weekly and get the same response that the department that handles promotional award is busy and will get to my concern when they have time. I feel as though they are stalling because I have little recourse and they can keep charging me account maintenance fees of {$30.00} per month while I wait for a resolution. One agent did tell me that I might not get the promised miles because I was not targeted for he promotion. I do n't know if this is accurate but even if this is true, I was allowed to open an account under this promotion, verified with the citigold representative that I was eligible, and then verified with a citigold representative that I had met all requirements in XX/XX/XXXX. How was I supposed to know that I could only apply if I had been targeted? I signed up for the offer and was told by Citi 's agent that I was eligible. I am asking the CFPB for assistance because Citi is refusing ( or stalling ) to honor their promotion.
Consumer complaint received 2017-09-06
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: Midwest Recovery Systems (TX)

Midwest Recovery keeps copying and pasting a generic response and will not address my issue. This is a fraudulent tradeline on my credit report! They have failed to provide validation of this so called debit to " XXXX. '' It has been beyond 30 days and they are infringing on my rights per the FCRA. I will go the State Attorney and file a lawsuit. Remove this fraudulent tradeline from my report ASAP!
Consumer complaint received 2016-07-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have been in foreclosure since XXXX first with XXXX XXXX XXXX, where i sent a payment in and the XXXX XXXX XXXX sent payment back and this is how I started foreclosure, due to myself having XXXX XXXX XXXX.at the time i had gotten sick we had no health ins had to buy XXXX well its a no brainer the XXXX hlth Ins came before the Mrtg. 
Anyhow now XXXX XXXX XXXX sold the Mrtg to Capitol One Bank I 've been trying to work a modification, with them.My house was set for sheriff sale on 4 different occasions and the last date was XXXX XXXX XXXX. When I called bank they told me my house sold I spoke to XXXX different people, XXXX XXXX, XXXX.After speaking to XXXX I asked for Banks Lawyers number and Lawyer had told me sheriff sale was canceled by them on XXXX XXXX. I called Bank asking to speak to XXXX who is in charge of the Packet she never phoned us or a letter was never sent telling me my package was dropped., I told the bank this, no letter ever sent. Well on XXXX XXXX they had a letter over nighted by XXXX post marked for XXXX XXXX XXXX the letter was dated on top with the Banks letter head XX/XX/XXXX.The letter stated my house was up for foreclosure sheriff sale and canceled because of incomplete package and up for sale, but no date of sale on letter.So what i am trying to say is this Bank is changing dates post marking not sending and not informing us properly to give us the chance to get our paperwork in on time.Please any help I can get to save my house, would be greatly appreciated, or to get the Bank to work properly and fairly with us as customers. 
Thank You Sincerly XXXX and XXXX XXXX and XXXX XXXX my cell # XXXX XXXX XXXX XXXX Capitol One Bank Loan # XXXX
Consumer complaint received 2016-07-29
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: UMPQUA HOLDINGS CORPORATION (OK)

The loan was made XXXX 2015 for around XXXX. However when I received the loan instrument It reads in bold letters at the top LEASE WITH OPTION TO PURCHASE however after reading the loan it was my interpretation to purchase the full XXXX would have to be paid then you would have an option to purchase for XXXX. Subsequently I refused to sign the lease. However Pacific Financing XXXX called me at least 30 times swearing the lease did n't read that way. So I agreed to sign the lease and supplemented it with an addendum clarifying the loan amount the interest rate and I had the option of paying the lease at anytime with the loan amount plus interest minus my payments. After I signed no copy of anything was provided to me. I contacted them in XX/XX/XXXX to finish paying the loan off and was told {$24000.00} at that point I stopped making payments. I am a XXXX person and they have sent men threatening me with bodily harm unless I paid. I contend the contract is void because they intentionally told me the contract said what it did '' t because the essential part of any contract is understanding. Furthermore they are using extortion methods to enforce a contract they swore they were not presenting. I feel this is a fraudulent contract with extortion to insure payment.
Consumer complaint received 2023-07-13
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. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXXDate of inquiry : XX/XX/XXXX & XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2023-07-13
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX.
Consumer complaint received 2016-07-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (AE)

I was provided an offer to earn 50,000 bonus AAdvantage miles if I signed up for a citigold checking account and met certain requirements within 60 days. I confirmed with Citibank in writing that I qualified for this offer and I was ensured that I indeed was qualified and enrolled in this offer. I confirmed I was enrolled and qualified for this offer on two separate occasions in writing. When I eventually met the requirements for the promotional offer, I was informed that I had met all requirements and I had to wait 90 days for the AAdvantage miles to arrive and that I would incur a {$30.00} monthly maintenance charge on this account. After 120 days I had still not received these miles promised by consumer representative. In conclusion, Citibank provided a promotional offer that required waiting several months while incurring banking fees before AAdvantage miles could be awarded. Then, once the promotional requirements were met, the consumer representatives promised AAdvantage miles would be arriving in 90 days. After 90 days, I was told I wo n't get this miles even though I was told at several times I would.
Consumer complaint received 2023-07-13
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-04-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (TX)

These XXXX accounts keep getting re-added after being deleted. i have provided the XXXX for the XXXX account and the FTC ID Sworn Statement for the XXXX card account. 
Name : XXXX XXXX Acct # : XXXX Name : XXXX XXXX XXXX Acct # : XXXX These inquiries below are not mines and I have asked the banks directly to delete inquiries. I did not authorize dealer to make all these inquiries to my credit report. I even requested that in my email more than once not to submit deal to any banks. 

Inquiries XXXX XXXX XXXX XXXX XXXX/XX/XX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX/XX/XX/XXXX, XX/XX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX, XXXX/XXXX/16 This is a fraudulent inquiry. 
Inquiries XXXX XXXX XX/XX/XXXX, XX/XX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX/XX/XX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX/XX/XX/XXXX I did not authorize this inquiry. 
Inquiries null/XX/XX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX/XX/XX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX/XX/XX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX XXXX/XX/XX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX/XX/XX/XXXX, XX/XX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX/XX/XX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX/XX/XX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX/XX/XX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX : :XXXX/XX/XX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX/XX/XX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX/XX/XX/XXXX I did not authorize this inquiry.
Consumer complaint received 2023-08-30
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. (GA)

I recently reviewed my Credit report an noticed that there were items reporting that did not belong to me. 
XXXXXXXX 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 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 2017-02-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Bread Financial Holdings, Inc. (AR)

XXXX XXXX,2016, i open a credit account with ( comenity-blair.I purchased ( {$65.00} worth of merchandise, which i paid off by installment payments, that were made by sending money orders.They have been paid off, but they are still calling and writing for more payments, They sent incorrect information to a credit bureau.They have gone from the ( {$65.00}, which i paid off, to a new balance, of ( XXXX.I have not made any additional purchases.
Consumer complaint received 2016-06-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Hello, we have contacted XXXX XXXX as well as the credit reporting agencies to removed the XXXX 30 days from our accounts, from my credit report as well as my husbands XXXX XXXX 's. It is a joint account. 
Our Issue is, We called in for a payment option. Ready and willing to make the payment on time that day. After speaking with one of the customer service members I called in. I was given the option to pay {$1900.00} on XXXX XXXX, 2016 and {$2900.00} for XX/XX/XXXX and XX/XX/XXXX. I was told that I would receive paperwork in the mail but that all I needed to be aware of was making the first payment on XXXX XXXX, 2016 so that the payment plan would not default. The payments have been made as directed and are not considered late. Though they are reflecting on our report as late. The agent did not advise us that by choosing this plan it would effect our credit score and or show up as late on our credit report or we would not have chosen this option. I feel it should be told to you by XXXX XXXX customer service who suggest this plan that if you do choose it t could negatively impact your credit report for 7 years. This would have drastically changed are decision towards this payment plan. When we called to explain to XXXX they said the representative would be reprimanded but they could not fix the error. We advised we were in the middle of a home sale and or refinance and something of this nature could drastically effect that. We have paid on time for 3 years to XXXX XXXX, never missing one payment. By choosing the option they suggested as a payment break up it now shows we are 30 days late not on time and completely effects our future situation on home buying as well as character. I feel it is fully unethical on chases part to not advise you of this when they are suggesting " Options. '' I am in the middle of a re-finance and can not move forward because of this negative impact on my credit score that was never disclosed to me when I accepted what the agent advised me on XX/XX/XXXX. Can you please remove this from our credit score? I Greatly Appreciate you taking the time to do this. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Hi there. This is my story with Bank of America. I. since I get to in the United States in. XXXX XX/XX/XXXX I opened the account with Bank of America and they are keep charging me fees monthly fees and I might very lower income and I start from 0 from scratch from other country I came here as a refugee and they keep peeing me overdraft me give me fees and last time I get fees from OK Starts from XXXX and. I close my account with Bank of America, I believe. and I remember in XXXX. XXXX or XXXX. XXXX I believe XXXX I closed the account with Bank of America and the reason why I close with them there is too much fees monthly fees over the draft fees and also they charge me one time for for missing understanding check deposit and they charge me XXXX {$5.00} for this and they keep until I. close the account with them and I go with the chess bank with the XXXX XXXX XXXX Bank and. I deserve to compensation for this fees on this time hard time with them from XXXX until XXXX this Bank of America at so much make. headache to me and make me struggling every month which is a my income is solo. Thank you for help me and I wish. you understand what's come from. Thank you