davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (OH)

I placed an order on XXXX XX/XX/XXXX. I ordered 3 items. I received only 2 items but the 25 % coupon was not applied. I was on line again XX/XX/XXXXthose same 3 items are offered with a 50 % off code 3DAY. I sent XXXX 's a email asking the status of the item not received, the 20 % discount not being applied and letting them know that all 3 items are now 50 % wit that code. If they won't honor to send me a return label for the two items and have them picked up. The order number is XXXX
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection/Charge Off : 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WA)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Late Payment : 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 2018-03-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo foreclosure fraud, No Standing to Foreclousure 1 ) XXXX XXXX Could not have effectively transferred assets after the date of XXXX XXXX 's Bankruptcy filing and after a bankruptcy court approved liquidation plan onXX/XX/XXXX and assignment of my mortgage between XXXX XXXX XXXX XXXX To XXXX XXXX  was dated XX/XX/XXXX. ( By XXXX XXXX office by Robo -signing and his document-processing firm XXXX XXXXXXXX XXXX ). ( Has not provided proof of authorization by bankruptcy court ) 2 ) .Second item of fraud, The Power of attorney which is between XXXX XXXX and Wells Fargo XXXX XXXX XXXX is not stated in the " Limited Power of Attorney ''. Note Wells Fargo Can '' t be the Attorney-in-fact for XXXX XXXX XXXX XXXX ( Robo-Signing ). Which is violated New York State Power Attorney law.it is suppose to say " XXXX XXXX XXXX  XXXX, by wells Fargo N.A as attorney-in-fact ).
Consumer complaint received 2018-11-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (CA)

The company is Mercantile XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX COLLECTING for XXXX XXXX XXXX They claim I owe them around XXXX, this is not my debt and I didnt authorize or ask for this credit card. Please remove debt
Consumer complaint received 2018-11-05
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. (WA)

At the beginning of XXXX, I applied online for a Chase XXXX XXXX credit card via a link showing a XXXX bonus miles offer. The offer stated, " XXXX bonus miles after you spend {$3000.00} on purchases in the first 3 months your account is open ''. 

My application was approved on XX/XX/XXXX and I spent over {$3000.00} in the first billing period to qualify for the XXXX miles. 

On XX/XX/XXXX, I checked on the status of the bonus miles and found that the introductory email from Chase stated an incorrect offer of XXXX bonus miles and {$100.00} statement credit upon spending {$2000.00} in purchases. 

I contacted Chase customer service to confirm that I was in fact going to receive the XXXX bonus miles for my {$3000.00} in purchases, and they responded via message, " Unfortunately we would not be able to honor your request. The account does not qualify to make any changes to the rewards. We hope that you understand this decision is the same for all cardmembers. '' I contacted Chase customer service again to clarify that I was not seeking to change offers, but to have the correct XXXX miles offer reflected on my account. In other words, I was seeking to correctly receive an offer that I signed up for, not to change from an offer I signed up for to an offer that I did not sign up for. 

Chase customer service was unhelpful, even after I showed them the screenshot of the offer I clicked on ( attached ), and repeatedly stated that my account did not qualify for " changes ''.
Consumer complaint received 2018-03-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (TX)

Chase XXXX credit card charged my account {$14.00} and offered no explanation for this charge. I called chase XXXX Customer service but company offered no viable solution. I asked Customer service why i was being charged this but they declined to explain.
Consumer complaint received 2018-11-05
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. (GA)

On XX/XX/2018 all 3 Credit Bureaus reported a Vehicle loan on my credit report 60 days late ... ... dropped my credit score over 100 points ... .I explained to them that I have never been 60 days late on this account and that it was reporting incorrectly ... spoke with agents at all 3 bureaus on XX/XX/2018 to verify the dispute ... they claim that the creditor responded that it was reported correctly ... saying I was 31 days late and that it reports 31-60 days late on my report! I asked for debt validation ... I asked what is their method of reporting ... they said everything is done electronically which is against the law ... they should have physical documents ... I also asked for the person with first hand knowledge of my account that verified or validated this to the credit bureaus ... to no avail ... ..no response was given ... I asked for a supervisor ... I was put on hold for over 45 minutes ... ..never spoke to a supervisor at the credit bureaus or the creditor ... I want this late payment to XXXX  removed immediately ... .It is completely inaccurate and has damaged my personal credit tremendously! I was recently a victim of identity theft and am just starting to rebound ... now this happens! I asked them if they had a copy of the contract or payment history ... they claim that they did ... but the creditor already told me that everything is sent electronically so I know this can't be true!
Consumer complaint received 2018-11-06
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (VA)

On XX/XX/2018 we sent in a mortgage assistance application provided by the company explaining that we were experiencing a loss in income. We were denied any financial assistance, and when we called for an explanation we were told that we did not make enough income to qualify. This explanation did not make sense to us and we were not provided any additional information upon request. In XX/XX/2018 I made an attempt to pay {$2500.00} towards the past due balance which at that time was {$5500.00}, I was told that they would not accept this payment as it had to be the full amount. Then in XX/XX/2018 I attempted again to make a payment of {$4500.00} towards the past due balance which at that time was {$7700.00} and once again was told they would not accept it because it was not the full amount that was past due. We have continuously made attemps to pay off some of our debt and we have been denied, causing our house to go into foreclosure.
Consumer complaint received 2018-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Colony Brands, Inc. (DC)

Creditor " XXXX XXXX  XXXX '' has my credit report listed with two accounts ; I've only opened one account. Second, XXXX XXXX  XXXX is filing derogatory information on my credit report, saying the account is delinquent, when in fact they are receiving consistent and timely payments through XXXX XXXX XXXX on a monthly basis for the past two years. Third, while XXXX XXXX  XXXX indicated they rejected the payment arrangement offer made to them through XXXX XXXX XXXX, they continue to accept the payments being made, thus contradicting the law regarding resolution of credit accounts. The fact that they are receiving payments and have not returned payments made - they can not accept my payments while reporting derogatory information on all three credit reports.
Consumer complaint received 2018-11-06
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 (NY)

I have been a Care Credit ( Synchrony Bank ) user for many years. It's specific use is with doctors, dentists, etc who participate in providing a zero interest payment plan for 3-6 months. 

I received a new plastic card in late XX/XX/2018. I thought it was a replacement card for my current card and I called in to activate it. A day or two later, I was getting alerts from the credit bureau 's regarding my score changing & inquiry. I checked with them and found out it was Synchrony Bank. I then called Care Credit/Synchrony and found out this is not a replacement card - its a new card that works as both a Mastercard and the Care Credit ( a dual card ) and my Care Credit card was closed. I do not want this Mastercard and they are not able to switch it back to my regular Care Credit card, even though that card is still available. My credit report now shows a closed card and a new Mastercard opened with a credit line. My score dropped a few points. 

I was told a letter was sent out previously that spoke about this card and that I had to OPT OUT of this new card if I didn't want it. I don't remember getting this letter, and if I did, probably thought it was a solicitation. It did not state Action Required. This is deceptive advertising. It should of been an Opt In to receive this new card, not an automatic exchange since my basic card was still valid. Not to mention, if I wanted a new charge card ( which I don '' t ) I would not of picked this one. 

Again, this is deceptive advertising. New updated cards, especially with identity theft so prevalent, should not be automatically sent to customers unless they specifically ask for them. Bottom line, Synchrony Bank sent upgraded cards to people who did not respond to their notice. This should never happen. It should be the other way around, opt in to a new card. If this never arrived in the mail, and was intercepted/stolen I would never have known it until too late. 

I'm attaching the letter that the plastic card was attached to. I omitted my personal info.
Consumer complaint received 2018-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (NY)

This Company just closed my account without calling me or sending me emails to confirm items on file. I spoke with a manager by the name of XXXX on XX/XX/2018 he refused to give me his last name but He told me the company was protecting me from fraud and they decided to close my account for my protection!
Consumer complaint received 2018-11-05
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. (LA)

I recently had a closed account with XXXX XXXX XXXX XXXX reopened XXXX and then a derrogatory remark and a missed payment was placed on my report. I sent proof that the account was closed to XXXX. I spoke with their attorney whom collects payments for the closed account after a judgement was recieved. 

the account has been closed for 2 years or better and it wasnt reopened by me nor by the creditor? Yet they reported this inaccurately and damaged my credit again. They also listed the account as a charge off and attempted to place it into collections? They are violating this law with my account ( XXXX XXXX  XXXX XXXX ) Section ( 609 ) of the Fair Credit Reporting Act is a Consumers Disclosure sectionwhich is to provide for the protection of consumers against false and erroneousreporting. ... The FCRA was enacted by Congress to protect consumers from unverifiable accounts and information from being reported on your credit report. 

A 609 letter is a letter used to dispute errors or other inaccuracies off your credit report after the Debt Validation letter process has been followed XXXX XXXX XXXX. It can be used to remove collections, public records such as bankruptcies/tax liens/repos/evictions, derogatory accounts, Closed accounts, Charged Off Accounts, hard inquiries, and late payments. Removing these negative items will help to raise your credit score.

Section ( 609 ) of the Fair Credit Reporting Act is a Consumers Disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the Credit Bureaus and the Creditor to prove an account is yours. To positively prove an account is yours, the creditor must provide the Credit Bureau a copy of the original creditors documentation ( whatever you filled out and signed upon opening the account with the reporting creditor ). 

The FCRA was enacted by Congress to protect consumers from unverifiable accounts and information from being reported on your credit report. Example : If you filed a suit against someone and you showed up in court with no proof against that person, what would the judge do throw the case out of court! Without documentation, the Credit Bureaus have NO right to list your personal financial information on your credit report. They are required by law to verify and validate every single account on your report.
Consumer complaint received 2018-11-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I recently had a closed account with XXXX XXXX  XXXX XXXX reopened XXXX and then a derrogatory remark and a missed payment was placed on my report. I sent proof that the account was closed to transunion. I spoke with their attorney whom collects payments for the closed account after a judgement was recieved. 

the account has been closed for 2 years or better and it wasnt reopened by me nor by the creditor? Yet they reported this inaccurately and damaged my credit again. They also listed the account as a charge off and attempted to place it into collections? They are violating this law with my account ( XXXX XXXX  XXXX XXXX ) Section ( 609 ) of the Fair Credit Reporting Act is a Consumers Disclosure sectionwhich is to provide for the protection of consumers against false and erroneousreporting. ... The FCRA was enacted by Congress to protect consumers from unverifiable accounts and information from being reported on your credit report.

A 609 letter is a letter used to dispute errors or other inaccuracies off your credit report after the Debt Validation letter process has been followed XXXXXXXX XXXX XXXX. It can be used to remove collections, public records such as bankruptcies/tax liens/repos/evictions, derogatory accounts, Closed accounts, Charged Off Accounts, hard inquiries, and late payments. Removing these negative items will help to raise your credit score. 

Section ( 609 ) of the Fair Credit Reporting Act is a Consumers Disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the Credit Bureaus and the Creditor to prove an account is yours. To positively prove an account is yours, the creditor must provide the Credit Bureau a copy of the original creditors documentation ( whatever you filled out and signed upon opening the account with the reporting creditor ). 

The FCRA was enacted by Congress to protect consumers from unverifiable accounts and information from being reported on your credit report. Example : If you filed a suit against someone and you showed up in court with no proof against that person, what would the judge do throw the case out of court! Without documentation, the Credit Bureaus have NO right to list your personal financial information on your credit report. They are required by law to verify and validate every single account on your report.
Consumer complaint received 2018-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (FL)

Wrote lexis nexus in Georgia filled form out sent it in. 
They never wrote me back. 
Got declined on several things because of them have no clue what to dispute refused to contact me in over a month.
Consumer complaint received 2016-08-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Last year I submitted a complaint against Bank of America for errors in reporting my payment history related to a loan modification ( Case # XXXX ). I received a document from BOA shortly after indicating the error would be corrected and sent to the credit bureaus. I 'm unsure of BOAs process, but these discrepancies are still negatively impacting my credit. 
I want these discrepancies corrected. I want a letter sent to XXXX servicing from BOA documenting their error and notifying XXXX that when the loan was transferred to them it came over as a current loan-not in default. I want a copy of my credit report from all XXXX agencies showing the correction. My XXXX loan number is XXXX. 
For questions, I can be reached at XXXX. 
Thank you XXXX XXXX
Consumer complaint received 2018-11-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Sent Evidence to Transunion that the account can not be proven that i made it or it is mine from the company XXXX /XXXX but still I have not seen anything with a signature You CFPB also have the documents on hand showing and stating I gave XXXX my information when I asked about this account it is stated in there letter also there copy of an online application in which you can not make out there for there investigation could not of been completed when I showed what evidence they claimed. Transunion states they contacted XXXX and they verified account as mine without any proof just word of mouth and I showed there none evidence they sent myself and forward to you CFPB. I expect Transunion by law to show actual evidence, even tho they state they do not have to show anything but verified, meaning a company can say anything to make a claim. TransUnion I expect this Dispute to be followed throught as requested in detail as per this letter to further my case in a court of law against XXXX and TRANSUNION for civil damages if it is not removed. I keep all documents to and from and forward all to CFPB to review.