davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (TX)

No other credit agency charges for this service. Apparently, Experian believes they wont be hacked like XXXX was. This is a racketeering service that consumers should not have to pay for to protect our identity. They charge at least {$9.00} per month and higher for you to be able to lock your credit report so they can hammer with other services that cost. Why should any consumer have to worry about paying a fee we can't afford just to protect our identity because a credit bureau agency wants to racket this free service to pad their bottom line. I am talking with a class action attorney as I believe this goes against many laws and with identity theft on the rise you are discriminating against minorities who can not afford this fee or dont have a credit card. This is racial basis as a minority just trying to make it. This is unconstitutional to all Americans and the next form of discrimination. Also, they offer you to put this on your cell phone bill as a payment option as if those bills aren't high enough already. Apparently, they haven't considered the fixed income many Americans and minorities are already on. They are illegally collecting this fee in the state of Texas per the Texas Finance Code. Texas Surety bond information as required by Sec. 392.101. Based on the attachment they dont have a surety bond. I'm filing a complaint with the attorney general 's office.
Consumer complaint received 2018-04-28
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (TX)

My complaint has to do with XXXX XXXX- purposely lowering the credit limit on two of my credit cards ( XXXX & XXXX XXXX. As evident in my account history, my monthly payments on the foregoing cc 's were delinquent for a couple months. Regardless, as soon as I started making $ XXXX/ {$300.00} pyts to get caught up and to pay down my balances, I received multiple pieces of correspondence ( some attached ) stating that they were lowering my credit limit. I can prove the direct correlation between payments I have made and credit limits being lowered on each credit cards { if need me, I can obtain a timeline from my account online and/or the CFPB can acquire that data from XXXX XXXX directly }. 
In addition to this unilateral action on behalf of XXXX XXXX, they mailed me correspondence indicating same, however, the limits mentioned in their letters were not representative of the " actual limits '' on the card at the time as the limits were acutually lower than the amounts mentioned in their correspondance. As a matter of fact, they were lowering the limits so quickly that their mailings could not keep up with the actual account status. 
I have never experienced a credit card company that actually " monitored customer payments '' made on accounts and then, purposely lowered the credit limit in response to same. Beknownst to XXXX XXXX, by partaking in this activity, they are aware, that credit scores lower as there is no disparity between the balance on the card ( carried ) and the actual limit. 
My XXXX credit limit was initially {$2400.00} and is now {$1900.00} ; XXXX XXXX credit limit was initially {$1800.00} and then {$1200.00} and, when I logged on the other day ( see attachment XXXX to their site, it said " {$0.00} '' credit limit. I called XXXX XXXX / XXXX and they stated, you elected the 'hardship program'- I stated, NO, nope, NO- never did that. They then stated they would put the credit limit back -? 
[ no telling how much my credit score suffered when the balance was $ XXXX+ and the credit limit was {$0.00} ; such flagrant actions have direct credit impacts on customers ' FICO scores ] In closing, I am aware of credit card companies lowering credit limits but not in " direct response/correlation '' to payments made. The limits were lowered on BOTH cc 's a variety of times, subsequent to payments made, in order to keep the 'balance in close relation to the limit'- otherwise, why was it done? 

If this " practice '' on behalf of XXXX XXXX if not in direct violation of the FDCPA, I don't know what is.
Consumer complaint received 2018-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BMO Bank, N.A. (AZ)

On XX/XX/2018 ; I made a cash deposit at a BMO Harris Bank Branch ATM to ensure an NSF fee would not be assessed on an ACH debit. The deposit was made at approximately XXXX and according to the receipt the cash deposit was readily available. Despite the cash deposit being posted, my ACH was returned and I was charged a {$36.00} NSF fee by BMO Harris. 

On Friday, XX/XX/2018 at approximately XXXX ; I contacted BMO Harris Bank about the NSF fee and was told that the cash deposit needed to be made by XXXX Central DST or XXXX PDST. I live in XXXX, Arizona which is currently on Pacific Daylight Time and I was told that because the deposit wasn't done by XXXX Pacific the fee was valid.
Consumer complaint received 2018-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have disputed the same incorrect address on both Transunion and XXXX multiple times. This address was placed on my credit reports fraudulently along with many hard inquiries that I have also disputed multiple times. These two credit bureaus have done nothing to remedy this. The address in question is linked with phone numbers that are not mine. They are in a state that I have never resided in. I have called them both and they keep telling me that they are removing the address and phone # 's but they are still there. I uploaded the pages from my credit reports in question. The items that I marked are the ones that I disputed which inculde the address and phone numbers. 
I put both together I was afraid that I wouldn 'd be able to file a complaint separately I am sorry for that.
Consumer complaint received 2018-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

My federal student loans through XXXX XXXX were being serviced through XXXX in XX/XX/XXXX through XX/XX/XXXX. I went from being an employed XXXX XXXX XXXX with children to unemployed/not enrolled in school due to an XXXX XXXX diagnosis in Spring of XXXX. I made my institution of higher education aware of my situation, as I was on a scholarship. I was immediately placed in deferment until I was able to return to class. I was never contacted by XXXX that they owned my loans or how to begin payments. I received a letter that they were going to garnish my income tax refund for tax year XXXX in XXXX. I filed an extension for my tax return until I was able to sort out the discrepancy. I contacted XXXX and informed them of my circumstances, as well as explained that I had not received any communication from them about my account at all. I was told I would be immediately placed on deferment by their representative and she requested proof of my income/welfare eligibility. I faxed in everything that was requested. I later discovered that XXXX placed me in a temporary forbearance instead of deferment and my loan amount ( {$4500.00} and {$2200.00} ) gained interest ( {$810.00} ) and was sold to a new creditor. The new creditor contacted me upon gaining ownership of my loans and consolidated my loans into one loan and I owe {$7500.00}. I have 28 late payments reporting on my credit reports in the 24 months they serviced my loans. While my 2 XXXX accounts show as being closed, my student loan is reporting on 3 different accounts- 2 negative accounts being XXXX. XXXX has unfairly and incorrectly reported my history to all 3 credit bureaus for years. Reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit  report does not allow me to enjoy the benefits of good credit and jeopardizes my credit worthiness. I have the right to fair credit reporting and want them to report accurately.
Consumer complaint received 2018-06-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (TX)

I opened an account with Wells Fargo after seeing an advertisement for a {$200.00} bonus after making 10 transactions with the account each month for 3 months after opening the account. I opened the account, made all the transactions, and still have not received my bonus. I completed the transactions on XX/XX/18, and the terms of the offer were that after completing the terms, the bonus would be deposited within 45 days. It has been 54 days, and I still have not seen the bonus. I know Wells Fargo has a history of not treating customers fairly and misusing information, but this just seems unfair when a company refuses to honor the bonus.
Consumer complaint received 2018-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (FL)

My federal student loans through Sallie Mae were being serviced through Navient in XX/XX/XXXX through XX/XX/XXXX. I went from being an employed full time student with children to unemployed/not enrolled in school due to an XXXX XXXX diagnosis in Spring of XX/XX/XXXX. I made my institution of higher education aware of my situation, as I was on a scholarship. I was immediately placed in deferment until I was able to return to class. I was never contacted by Navient that they owned my loans or how to begin payments. I received a letter that they were going to garnish my income tax refund for tax year XX/XX/XXXX in XX/XX/XXXX. I filed an extension for my tax return until I was able to sort out the discrepancy. I contacted Navient and informed them of my circumstances, as well as explained that I had not received any communication from them about my account at all. I was told I would be immediately placed on deferment by their representative and she requested proof of my income/welfare eligibility. I faxed in everything that was requested. I later discovered that Navient placed me in a temporary forbearance instead of deferment and my loan amount ( {$4500.00} and {$2200.00} ) gained interest ( {$810.00} ) and was sold to a new creditor. The new creditor contacted me upon gaining ownership of my loans and consolidated my loans into one loan and I owe {$7500.00}. I have 28 late payments reporting on my credit reports in the 24 months they serviced my loans. While my 2 Navient accounts show as being closed, my student loan is reporting on 3 different accounts- 2 negative accounts being Navient. Navient has unfairly and incorrectly reported my history to all 3 credit bureaus for years. Reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit and jeopardizes my credit worthiness. I have the right to fair credit reporting and want them to report accurately.
Consumer complaint received 2018-05-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Law Office of J.A. Cambece (MA)

XXXX XXXX XXXX XXXX XXXX and J.A. Cambece Law P.C. for amount of {$2300.00}. I had sent XXXX XXXX XXXX XXXX XXXX a debt validation on or about XX/XX/2017 who XXXX XXXX XXXX assigned or sold the debt to IL XXXX XXXX XXXX, XXXX to collect the debt. The debt validation was sent to IL XXXX XXXX XXXX XXXX XXXX XXXX and they did not respond to my demand. Now XXXX XXXX XXXX XXXX XXXX assigned or sold the debt to J.A. Cambece Law P.C. and J.A. Cambece Law P.C. is now suing me. I have no knowledge of this debt.
Consumer complaint received 2018-06-02
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. (TX)

A public record pertaining to a chapter XXXX bankruptcy filing on XX/XX/XXXX is listed on all three of my credit reports. On XX/XX/XXXX I mailed a certified letter with a copy of the letter I received from XXXX tx court stating they do not report to any credit agencies. I mailed it to XXXX experian and XXXX on XX/XX/XXXX I received letters back saying they would not remove the debt. This record is inaccurate amd XXXX court system did not reach out to credit agencies to put this on my credit report. This is violating my rights as a consumer.
Consumer complaint received 2018-05-10
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: DISCOVER BANK (NY)

Hello I am writing this regarding an old case " XXXX ''. Discover didn't solve my issue. They asked me provide additional information about the case. In the mean time i have talked one of the executive from discover. he said in the additional information its needed to show that i was not present at the home deport while those charges were made. When all those charges happened on my account i was working each and everyday. Down below i will attached my time sheet from my work. My time sheet shows i was working those moments. I don`t know what other way i can prove that i was not present there.
Consumer complaint received 2018-04-28
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Ive contacted Capital One in regards to late payments reporting on my credit report. Ive attempted to inform them of the financial hardship I was facing at the time of the late payment. Sending them multiple goodwill letters requesting the late payments be removed and they arent willing to change it. Ive been A loyal customer for over 4 years with 2 active credit cards in good standing. I havent made a late payment in years since Ive overcame my financial hardship.
Consumer complaint received 2018-06-02
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. (NV)

Twice I have been a victim of identity theft. I have submitted police reports to all 3 bureaus about a year ago. There is a fraudulent account on my credit report with all 3 bureaus. I have asked that they show signed documents or anything to show this is my debt. I have been in XXXX XXXX Nevada since 2015. This XXXX  XXXX XXXX was opened in a different state. Alabama. It is a cable bill with XXXX XXXX. This is not my debt and I asked that all 3 credit bureaus remove from my credit report immediately.
Consumer complaint received 2018-05-10
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. (IL)

Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is a FCRA violation. XXXX and XXXX have started investigations based on the exact same request, I sent required information i.e. their internal file number. Additionally, Experians delays add up to more than 30 days which also violates FCRA rules. I plan to take legal action but I want to create a paper trail.
Consumer complaint received 2018-06-02
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. (NV)

Twice I have been a victim of identity theft. I have submitted police reports to all 3 bureaus about a year ago. There is a fraudulent account on my credit report with all 3 bureaus. I have asked that they show signed documents or anything to show this is my debt. I have been in XXXX XXXX Nevada since 2015. This XXXX XXXXXXXX XXXX was opened in a different state. Alabama. It is a cable bill with XXXX XXXX. This is not my debt and I asked that all 3 credit bureaus remove from my credit report immediately.
Consumer complaint received 2018-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AR)

On XXXX18, Equifax File number XXXX investigation was completed and informed me that the account has been verified belonging to me. The account in question is XXXX XXXX Credit Card. This information is inaccurate due to the fact XXXX XXXX no longer owns this account, and the account is currently owned by a collector by the name of XXXX XXXX. In addition, The account originated from XXXX XXXX, which has was previously removed from Equifax which makes it impossible for 100 % accurate verification to have been performed. Equifax has failed to provide reasonable determination and 100 % verification regarding this account.
Consumer complaint received 2016-08-23
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: PENTAGON FEDERAL CREDIT UNION (MD)

1.Theft of Mass Proportion of over about $ XXXX.Blatant disregard for the XXXX, Armed Services, actions without verification, Privacy, professional rules of conduct, and the rules of law.Favors and conduct unbecoming of all bank guidelines, concepts, protocol and authorization by me, the account holder. 
2.Recovery and compensation for the suffering of myself, my family and the current threats 3.Immediate follow up and investigations per request of the financial Institution Of the Pentagon Federal Credit Union Fraud Department , Lawyers and Bank managers. of many months of complaint of the main office, Virginia office, XXXX XXXX XXXX, email, and telephone calls.I gave no one permission to make changes or act on my behalf of my life/worldly possessions.
Consumer complaint received 2018-04-29
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. (NC)

On XX/XX/2018, I went on chase.com website to find a credit card that suits my needs. I was interested in Chase sapphire card. They offered 2 options that day, sapphire reserved for XXXX bonus miles with {$450.00} annual fee and sapphire preferred with XXXX bonus miles after spending XXXX in the first 3 months with a {$95.00} annual. I didn't want to pay {$450.00} annual fee, so I chose the XXXX bonus card. I took a screenshot of the offer and took a screenshot of all the benefits of that card, so I'll have it on my phone for easy reference. I clicked apply now and got approved right away. 10 days later I got the card, {$95.00} annual fee was charged and everything looked good until I start reading posts on social media on how Chase was robbing people and either not giving them the promised bonus or charging them an annual fee when the fee was waived for the first year. I sent a secure message to Chase asking to confirm my offer and sure thing, I was given an offer, but not the one I applied for. They gave me XXXX with annual fee NOT waived for the first year. So they took away my extra XXXX bonus miles. I emailed them the screenshots, I escalated to the marketing department, but they said that the offers constantly changing and that I probably clicked on something else. Basically called me stupid in the nice way. I posted my concern on social media and so many people were in the same boat with me. Some applied for XXXX with annual fee waived for the first year, and they were charged the fee, some applied for the same XXXX offer and got XXXX like I did. And none of us can prove anything. Apparently the mistake happened in the last few weeks, but Chase doesn't want to admit that and correct it, unless they do it on purpose, luring people in. I was watching the offers for a few weeks before getting a new credit card. I wanted a better deal, so when that great offer became available I applied. I didn't want any other offers and Cause couldn't explain to me why they gave me what they gave me, they just said the offers are constantly changing and I get that. But I'm sure they change daily and not by the minute. If I click on XXXX offer, it should register in their system right away and lock me in instead of changing my offer. That's just wrong and unacceptable. This is my first time having business with them and probably my last time.
Consumer complaint received 2018-06-02
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. (OH)

I contacted the credit bureaus several times requesting they delete several items from my credit profile and they have failed to do so. I demanded that originally signed contracts be mailed to my address of record for all accounts that they have " verified '' and they have failed to do so. They are violating my rights as a consumer and hindering me from obtaining new credit which may cause me to seek legal counsel to resolve this matter. I demand these accounts be removed from my credit profile immediately.
Consumer complaint received 2018-06-02
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. (NV)

Twice I have been a victim of identity theft. I have submitted police reports to all 3 bureaus about a year ago. There is a fraudulent account on my credit report with all 3 bureaus. I have asked that they show signed documents or anything to show this is my debt. I have been in XXXX XXXX XXXX  since XX/XX/2015. This debt XXXX XXXX was opened in a different state. XXXX. It is a cable bill with XXXX XXXX. This is not my debt and I asked that all 3 credit bureaus remove from my credit report immediately.