davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-27
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: New Era Asset Management, LLC (LA)

A representative from the company called me and when I called back because I didnt recognize the number stated they were calling me about a loan with XXXX XXXX. I asked him was he sure he had the person and then just proceeded with the call. He stated he had a check I had for a loan and when I asked him to send he said they would but lets resolve the issue. I explained to him i and never heard of him or his company and he then stated they were on my credit report. I told him that was not correct and he then ran an inquiry on my credit report with out my permission. He stated I have given them pro mission and that was not the case because I have never heard of the company. When I told him I was recording the call he then hung up and they refused to answer my calls. I then pulled up my credit report and it was an inquiry for this company on my report. I tried calling them several times and they just sent me to voice mail.
Consumer complaint received 2023-06-27
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: MARINER FINANCE, LLC (LA)

A representative from the company called me and when I called back because I didnt recognize the number stated they were calling me about a loan with mariner finance. I asked him was he sure he had the person and then just proceeded with the call. He stated he had a check I had for a loan and when I asked him to send he said they would but lets resolve the issue. I explained to him i and never heard of him or his company and he then stated they were on my credit report. I told him that was not correct and he then ran an inquiry on my credit report with out my permission. He stated I have given them pro mission and that was not the case because I have never heard of the company. When I told him I was recording the call he then hung up and they refused to answer my calls. I then pulled up my credit report and it was an inquiry for this company on my report. I tried calling them several times and they just sent me to voice mail.
Consumer complaint received 2023-06-26
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. (IN)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, D ; XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX OLD XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$950.00} ; XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX BalanceOwed : {$770.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$810.00} XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX XXXX BalanceOwed : {$310.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$310.00} ; XXXX XXXX Balance Owed : {$810.00} ; XXXX XXXX Owed : {$1100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX.
Consumer complaint received 2023-06-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IN)

I am Filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed, Please resolve this manner as soon as possible. Thank you
Consumer complaint received 2023-06-26
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. (NC)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX RETURN MAIL XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : $ XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7000.00} XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$470.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$620.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-06-26
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the listed account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$130.00}.
Consumer complaint received 2023-06-26
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. (IL)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX Balance Owed : {$7300.00} ; XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$160.00} ; XXXX XXXX XXXX XXXXXXXX Owed : {$410.00} ; XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX 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
Consumer complaint received 2023-06-26
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. (IL)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-20
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: EQUIFAX, INC. (NJ)

I sent letters to the credit bureaus but they have not investigated about my case. I have inquiries that I didn't authorized and negative accounts that should not be there.
Consumer complaint received 2023-06-27
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: U.S. BANCORP (CA)

i received an advertisement for purchases at 0 % interest via my personal email in XXXX of this year, XXXX, on my Existing c.card, ending in XXXX. 
subsequently i made a {$12000.00} purchase on that card. 
however, much to my surprise i discovered last month that us bank is and has been charge me 26 % interest on that purchase. that amounts to approximately $ XXXX in interest. 
i contacted us bank but they have stated that the 0 % interest was only on a New c. card. however the ad states differently. it states i can use it on my card ending in XXXX, which is my Existing c.card. 
regards XXXX XXXX
Consumer complaint received 2023-06-26
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. (CA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXXXXXX XXXX XXXX Balance : - XXXX XXXX  XXXX Balance : - XXXXXXXX XXXX XXXXXXXX Balance : {$63000.00} XXXX XXXX XXXX Balance : {$370000.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This is XXXX XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (MO)

I mobile deposited a check on XX/XX/2023 for {$2100.00}. They put a hold on the check and did not deposit the funds to my account. Then Chase, without warning, closed my account. They sent me a check for the amount of funds in the account but not for the check I had deposited that they were holding. They have withdrawn the funds and they have cleared from the check issuer 's bank but they will not release them to me or back to the check issuer. Chase says they need to verify a phone number with the check issuer business. They said they can not verify a number but will not tell me how or what they need to verify the number. They are just holding the funds and will not release them to me or back to the check issuer.
Consumer complaint received 2019-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (WA)

XX/XX/XXXX2019 Problem : Failure of access Citi Bank Thank You reward points XXXX XXXX  Checking account is linked to Citi Bank Thank You REWARD points with Ciit Bank.

When transferred to XXXX XXXX I am verified with my checking account number, last 4 digits of social security number. XXXX struggles each time I contact Ciit to redeem points then transferred to XXXX and FAILURE to allow me access to my reward points. XXXX XXXX   can not access my account by by Name nor checking account number even though automated system can!

XXXX   demands my Member ID number which is NOT on my checking ccount statement, XXXX tells me it ; 's on a credit card statement but I do not have a XXXX  Credit card.

XXXX is equal to {$550.00}. XXXX of CASH!

CITI BANK is denying me {$550.00} which I trying to sue for travel purposes.
Consumer complaint received 2019-03-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I paid a settlement payment through my bank for an account that was sold to XXXX XXXX XXXX from Capital One. Instead of my bank sending it XXXX XXXX XXXX services they sent it to Capital One who is still holding my funds. I have reached out to them for several weeks now and they will not release the money sent. Capital One has been holding the funds since XX/XX/2019.
Consumer complaint received 2023-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (IL)

I mailed tender of payment to American Express in the form of a {$1.00} United States Postal Service Money Order which is negotiable and backed by gold which is the only real money. It stated " I accept your offer in the amount of {$5900.00} for valuable consideration and tender this payment for the complete amount in Accord and Satisfaction upon accepting this instrument '' They cashed it and credited my account {$1.00} and claim that there is still a balance owed. This in incorrect. They received the payment. They cashed it. Account should show settled. See UCC 3-603 and 3-311 Per UCC this account is discharged for the full amount tendered. 

Prior to this, many negotiable instruments were sent. At 1st the account was credited and then they were all reversed and my accounts were closed without my authorization.
Consumer complaint received 2023-06-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: INTERFIRST MORTGAGE COMPANY (IL)

On XX/XX/2023, I obtained a new homeowners policy with XXXX XXXX, for my XXXX property located in XXXX, IL. I notified my lender, InterFirstXXXX XXXX XXXX collectively " InterFirst '' ), that I had obtained a new policy and for payment to be made from my escrow account. During the course of 3 months, I made numerous calls to InterFirst to have them make payment. During these recorded calls, InterFirst agents made representations that payment would be made. However, I finally received final notice from XXXX XXXX that my insurance would lapse if payment was not made by XX/XX/2023. I sent an email to both my insurance company and InterFirst, given the urgency. Finally, InterFirst made payment on XX/XX/2023, three days after the deadline. As a result, my policy was cancelled and subsequent attempts to get a new policy through XXXX XXXX has failed, as my record now shows that I have a lapsed insurance policy due to nonpayment. 

This has affected me because I am either unable to get insurance or the quotes are higher than what I paid for XXXX XXXX. I finally found a new policy with XXXX, one of the few insurance companies that would give me a quote. I sent InterFirst a XXXX notice that they have failed to make timely payments, are required under 12 C.F.R 1024.34 ( a ). The bank has assigned a case worker but the matter remains unresolved.
Consumer complaint received 2023-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have been a BOA customer for over 15 years and recently was approved for a zero-interest offer. I attempted to set up automatic payments as has always been an option. I discovered that BOA has changed their policy and no longer offers " custom '' payment amounts.

The 2 options they offer under automatic payment is : 1. minimum payment 2. full balance This means if you have a balance of say, {$4000.00} and you have calculated that by paying {$270.00} a month, then the full balance will be paid in full by the end of the promotion. BOA ended this option and forces to either pay minimum or full balance. The other option is to log in monthly and pay the desired amount to ensure the full balance is paid off by the end of the zero-interest promotion. This is set up on purpose to hassle their customers into just making minimum payments in the hopes they will fail to long in monthly to pay the " extra '' to have the balance paid in full by the end of the promotion. 

This is WRONG and they know it, thus I will manually go to pay the amount monthly to ensure the full balance is paid off at the end of the promotion. 

SHAME on you BOA. 

I feel as though this is intentional and predatory to their customers.
Consumer complaint received 2023-06-26
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. (NY)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (IL)

I went to Walgreens to make a purchase. I have used Walgreens points cards in the past but hadn't been to Walgreens for a while in person. When I got to the checkout line, the cashier pointed to a sheet that said {$50.00} off purchase, and I asked him if this was the points card, and he said yes. There was no mention of XXXX, and the very tiny picture depicted the Walgreens name prominently, and now that I know what this is, it probably had the XXXX circles symbol much smaller without any lettering indicating " XXXX. '' I don't have a XXXX, so while I have seen that symbol, it's not really on my mind. There was no mention of interest or XXXX They had my information except for my old address, and I provided my new address, and only at the end of this process they asked for my SSN, which clued me into this maybe being a credit card, but when I asked the cashier said it was the points card. With so many in line after me, and against my better judgment, I just provided it, and only then I got a tiny receipt with the interest and XXXX in teeny tiny print. I didn't even get a receipt for my purchase which they said would only be sent by phone, and I didn't even get the {$50.00} off as promised. The only receipt I received at the store is the tiny receipt for the credit card approval, which I received only at the very end of the transaction. I have to make future purchases to get that. I asked for the manager, who only sympathized with me and told me I had to call. I called Walgreens when I got home, and they forwarded my call to Synchrony Bank. I explained what happened and that I felt it was deceptive. They don't really care. Then, I asked Synchrony to cancel the card, and I have to wait 48 hours and call again to pay the bill, or I'll start racking up interest. The card is canceled, but I have to take my time to make sure I remember to pay that bill, but the matter is not fixed because I can't ever take away the fact that I applied for credit not understanding what I was doing until the very end. If I forget to pay that bill, I'll have the interest to pay. I only wanted to pay for my items and get my updated Walgreens points card. I never wanted a new credit card. Also, they're going to do this very same thing to other people.
Consumer complaint received 2023-06-27
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: OneMain Finance Corporation (KS)

I have filed a prior complaint through CFPB where in response they acknowledged that I told them not to call me on my work phone, but now they have called me twice since then at my office phone. On XX/XX/23 at XXXX I missed a call from them on my work phone. On XX/XX/23 at XXXX they called again and I answered and told them that I have already instructed them to not call me on my work phone.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.