davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-27
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 — Their investigation did not fix an error on your report
Company: American Accounts & Advisers, Inc. (TX)

XXXX has been non-compliant with removing the unverified account AMERICAN ACCOUNTS ADVISORS INC Opened Date XX/XX/2016 which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that AMERICAN ACCOUNTS ADVISORS INC was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-12-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Overview : - Opened a new Checking Account with CitizensBank for Mortgage purposes. CitizensBank had a " Get Paid {$200.00} '' promotion when you open a new checking account with them. 

Promotion parameters : - Open first, new One Deposit Checking from Citizens Bank online between XX/XX/2018 to XX/XX/2018. 
- Make a {$500.00} deposit or more within 60 days of opening. 

What I did : - Clicked through their promotion portal. 
- Opened One Deposit Checking account with CitizensBank using their promotional portal on XX/XX/2018. ( I will include the {$200.00} promotion screenshot when applicable ) - Made a direct deposit within 60 days of opening account and according to my bank statement the first direct deposit of {$560.00} went in on XX/XX/2018 and then another direct deposit of the same amount on XX/XX/2018. 

Waited over 60 days and did not see CitizensBank deposit the  {$200.00} in my checking account. On XX/XX/2018 using the support number provided on the promotion page I called their support ( XXXX ). The support agent I talked to seemed very puzzled, and had me on hold for about 15 minutes collectively as she went to find information on the promotion.I told her at one point that I had the promotion saved and in front of me and if she would want it forwarded to her. She said no and that she was put me on with her supervisor XXXX. XXXX explained to me that they couldn't find the promotion and that they would create a case and forward it to " their '' research department. I also informed XXXX I have the promotion screenshot. She asks me to please forward the screenshots to XXXX. She gives me the case #. I include the case # with the screenshots and was able to verify that she received it on her end. She ends the call telling me a person from the research department should reach out to me within 1 to 2 business days. They did not call me back until XX/XX/2018. And when they did call back the person on the phone only called me to inform me that they could not find the promotion I was talking about. She also made a comment about a promotional code should have been provided to me when the process started, but I remember clearly that I did not see a code presented what so ever in the process. And if there was one, and if it was indeed important to setting up this checking account with CitizensBank I would have made note of it. So I asked her what will happens next? She basically said in a nice way that there is nothing to pursue and that no one was at fault. Needless to say I was not happy with that response. 


They were not willing to make this right and I feel scammed.
Consumer complaint received 2018-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO. (TX)

I have been a long-time customer of Chase for 8 years plus. Perfect credit and never missed a payment on anything in my life. I received a notice that Chase is raising my interest rate on my Chase Freedom Card from 14.24 % to 16.99 % APR because my rate was lower than the current lowest offerings? So they are raising my rate just because they want to raise my rate not because of any real necessity. I'm being punished for having excellent credit, never missing a payment on anything in my life, and maintaining an account with Chase for 8 years plus. This was not a standard APR rate increase, it was an intentional rate hike of over 2 % just because Chase wants to squeeze as much money as they can out of their existing customers regardless. I called Chase to ask what the specific criteria was used for the rate increase on a customer that has never missed a payment and has been a customer for 8 years plus. Chase customer rep couldn't answer the question and gave me the run around. Why should anyone bank with a bank that punishes longtime customers just because they can get away with it?
Consumer complaint received 2018-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MT)

There are two issues with XXXX XXXX on my report that are concerning.

First, I was a customer of XXXX XXXX   and I see that they pulled a report in XX/XX/XXXX. I was a customer for a few months but they were new in Montana and they service was sketchy, they promised to port my number ( business phone ) and could not for many months. the is a note attached to that activity : Permissible Purpose : XXXX XXXX XXXX/written authorization/investig fraud. I feel this is very strange and I did not authorize this nor did I commit fraud. I feel this is a negative commentary that I don't deserve.

about 6 weeks ago, I received a box from XXXX XXXX and opened it to find that XXXX XXXX had sent me 2 brand new in the box XXXX XXXX. I did not order, I was not a customer of XXXX, and I did not really know what to do.

I called XXXX but they kept asking for my SSN -- and since I have no way of knowing to whom I am speaking, I did not provide it, and they can't find an account by my name or address ( again, I am not a customer ) I took both phones to XXXX  in XXXX. I asked for the manager XXXX, and he helped me, he took both phones and sent them back. I have copies mailing documents that XXXX said indicated acceptance of the phones. I also have a recording of the entire conversation between XXXX, XXXX, and myself on the day I returned the phones. XXXX said it was the 4th set of phones returned in the same manner.

Today, I got a letter from XXXX  Reference Number : XXXX  saying [ dated XX/XX/XXXX] about the time that I that I was not approved for a phone in accordance with a recent credit pull ( I never requested it ) and I am concerned about this repeated activity and no assurance that XXXX is taking this seriously nor acting on my behalf. And, seemingly, they appear to be making my credit report with negative commentary. This is not fair to me.

Please note that the identifying information they provided in the XXXX  request on XX/XX/XXXXhas my name and address but the number is not mine. Never was mine, and is an apparent indicator of fraud and a possible link to the perp.

Furthermore, I believe XXXX  sold me phone that had a number from Idaho originally and that the phone was not new as it should have been. Why eles would there be a XXXX number assigned to it?
Consumer complaint received 2018-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

A CREDIT INQUIRY FOR XXXX XXXX XXXX WAS PLACED ON MY TRANSUNION REPORT ON XX/XX/2018. I IDID N'T AUTHORIZE THIS INQUIRY FOR A CAR. 

FRAUDULENT INQUIRY WAS MADE TO XXXX XXXX XXXX BY AUTO DEALER. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX
Consumer complaint received 2018-11-28
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. (MA)

incorrect hard inquiry on credit report. ( 2 of them ) XXXX XXXX from XX/XX/2018 in error. Already contacted them, they told me to file a complaint here. Their phone number is XXXX XXXX XXXX I two incorrect hard inquiries XXXX XXXX and XX/XX/XXXX not recognized, it is for credit card/airlines. Never contacted them. 

their phone number is XXXX
Consumer complaint received 2018-11-28
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ORG GC GP BUYER, LLC (OH)

I was contacted by two phone calls ( last one XX/XX/18 ) and via US Mail ( XX/XX/18 ) by representatives of GC Services. 

GC Services representatives claimed to have documentation proving that the Identity Theft Federal Student Loan was not identity theft. Representatives claimed that they are an affiliate of XXXX ( XXXX  XXXX XXXX XXXX XXXX ) who owned the Identity Theft Federal Student Loan. 

XXXX has repeatedly violated my fifth amendment right to due process by refusing to provide information necessary to police departments investigating the cyber crime. XXXX continues to attempt bullying by sending the Federal Identity Theft Student Loan to collection agencies and sending " cease and desist '' letters to stop my reporting this crime to investigatory agencies. 

I informed the GC Services representatives ( on both occasions ) that this was identity theft. The calls continued despite the assertion. I have sent GC Services a copy of the FTC identity theft report and addendum documents required. 

On both occasions, GC Services representatives informed me that this will negatively affect my credit.
Consumer complaint received 2018-08-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Retail Merchants Associates (LA)

Upon checking my credit report on XX/XX/2018, I found that I have an open collections account for an unpaid debt with an apartment complex. I am under the impression that this is a result of identity theft or a mistaken identity. Despite my calls to retail merchant association and letters sent out to the company, I have not received a proper response as to how or why did this collection show up on my report. I have not been provided proof that this debt is indeed mine, only a statement saying that its mine. no evidence whatsoever. I also sent a letter via USPS to all reporting credit bureaus regarding this matter. I have yet to receive documentation proving that this debt is indeed mine.
Consumer complaint received 2018-08-12
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. (MS)

I contacted Transunion to inform them that I were a victim if their inquiries issues but representative failed to take care of it. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-08-12
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: Fidelity National Information Services, Inc. (FNIS) (NV)

I receive a letter that I was cashing check from XXXX in California which was not me through Certegy and I already file a police report would like to forward it to them I will attach my ftc and my local police report on this complaint
Consumer complaint received 2018-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TN)

On dates XXXX, XXXX, I mailed each of the XXXX bureau disputing this inaccurate, information on my credit, The addresses were deleted but the public record related to this dispute still stand, I even took it upon myself to mail the court that the Bureaus say they are verifying this information with. The court response is included a long with a address that is not mines on the XXXX, I am filling a complaint to get this inaccurate information removed from my credit. I was not notified on how this item is verified as mines on each of these responses. This is violating the FCRA.
Consumer complaint received 2018-11-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

Dear Servicer I appreciate you assisting with matter. The matter remains unresolved. My tax payments being paid contract by XXXX continue to be applied to another party claiming ownership to my home. My concerns are third party continue to use my property tax statement and payments to claim ownership. As well as block refinance and title insurance to sale/buyer - options. At this time I want to keep my home. I may have no choose but to sale with constant abuse of my rights. The third party does not appear on title record as owner at no time. You have previously provided letter to confirm ownership in my name. Here is the latest email from XXXX  below ; Consumer Reported Issue : Incorrect owner for XXXX XXXX XXXX XXXX, XXXX XXXX, CA ( XXXX XXXX ) Hello XXXX XXXX, In an effort to assist you with resolving this matter I reached out to XXXX Dept of Consumer Affairs or XXXXDCA on XX/XX/XXXX and was referred to the Assessors Office / Ownership department. I spoke to XXXX in that department. XXXX confirmed the assessor record is accurately reflected as it was delivered to XXXX with the owner name of XXXX XXXX XXXX for property record XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX. 

This information can only be changed by the county assessor within their property data records with the proper supporting ownership documentation. Therefore, I must suggest again that you please contact the county going forward to resolve any issue you may have with the source property records data that XXXX obtains from the county. XXXX has no authority to change the data. The contact information I used to confirm this information with the county assessor is : Assessor XXXX for English press XXXX, then press Option XXXX > Ownership. ( you will need your assessor identification number XXXX ) For your reference, the XXXXDCA, XXXX XXXX County Dept of Consumer Affairs phone number is XXXX. 

I sincerely hope this information helps, Thank you, XXXX XXXX XXXX Associate, Data Research & Resolution Enterprise Data Operations XXXX   Since XXXX I have worked with XXXX to correct record multiple times - the realist report etc after the legal team investigated title records. However this time I made the mistake by disclosing whom was assuring me at XXXX. Now XXXX claims tax accessors controls whom owns property - she stated to me directly XXXX  has corrected record multiple times and are not sure what to do. XXXX  currenlty holds the contract to pay my taxes - my question to XXXX whom is XXXX paying taxes on behalf of. The XXXX  title records reflects me as owner and third party as owner. 

The tax records are being used to STEAL my home. I have tried to resolve and have resolved some challenges except tax records. The tax record challenges continue to cause hardship in finances to name a few.
Consumer complaint received 2018-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

To Whom it may concern : I was shocked when I reviewed my credit report major discrepancies my credit report among all the 3 major credit agencies. There are multiple inaccuracies with the way this account is reporting and this is total violation of FCRA ; such as terms ( 61 months? ), wrong original balance, wrong date of last activity, date open, etc. 

I am not sure how this happened, and I believe if i read the fcra correctly it says that in order for a item to be reported to the credit bureaus it has to be 100 % accurate, 100 % verifiable, and 100 % timely.
Consumer complaint received 2018-08-11
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Yes .my XXXX card is reported lost and I asked for emergency cash option, well the option bva exercises is that you have to have a XXXX XXXX transfer done with a XXXX charge and was tolled 3 to 5 hours for a XXXX XXXX pick up .I 've been trying to to get a tracking number for 10 hours now and was now tolled it could take days for to get one .why do they call it an  emergency cash transaction if it could take days long?
Consumer complaint received 2018-08-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (LA)

I am writing concerning my escrow account. Information regarding my escrow payments have changed, which require lower escrow payments. I contacted the company and provided proof of the lowered payments on my behalf, however, despite contacting the company and speaking with representatives who assured me that the payments should indeed be lowered, that they would be lowered, the statement/bill remains the same. I am tasked to pay the original escrow, and told that the company reviews its escrow once a year and then the account will be reviewed and changes addressed. This is not so, I have requested and explanation of the way the mortgage payments are set up, they have changed where more money goes to interest and not principal, why??? I want to pay my mortgage in accordance with the lowered escrow and want my loan to be compiled and pay with more funds to principal than mortgage, how can the mortgage company arbitrarily change the way my mortgage is funded and not allow me to pay my lowered escrow payments immediately. 
NOTE : I have already submitted to the company all information/data that is pertinent to the payment of lowered escrow payments to the company and it was verified received by representatives ( 3 ) that have claimed to forward the issue to be addressed and resolved.
Consumer complaint received 2018-11-27
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been in close communication with XXXX XXXX regarding the reporting and detailed erroneous information that has been applied to my personal credit report for Trans Union, XXXX, and XXXX. I have received written information from XXXX XXXX stating that they are no longer reporting ANY negative information on my personal credit report for the XXXX XXXX Credit card, XXXX Credit Card, and XXXX XXXX XXXX XXXX credit card. After receipt of this letter from XXXX XXXX, I submitted a dispute with Trans Union, XXXX, and XXXX to have these accounts removed from my report as the information is no longer valid. Trans Union, XXXX, and XXXX   completed the dispute within 10-15 days by only UPDATING the accounts to show as CLOSED and not DELETED. This information could not have been accurately investigated by Trans Union, XXXX, and XXXX within this amount of time and this resolution is completely inaccurate.
Consumer complaint received 2018-11-27
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I disputed with Experian on XX/XX/XXXX on XXXX XXXX, Account # XXXX. They stated it was verified and updated but they didnt actually verify it. There has been no date of status since XX/XX/XXXX which means the account was never investigated. This is a violation of FCRA and FDCPA and it needs to be deleted immediately!
Consumer complaint received 2018-11-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cedars Business Services, LLC (NJ)

I received notice from Cedars Business Services LL, ( XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX ) for collections on behalf of XXXX XXXX XXXX XXXX when I was in XXXX in XX/XX/2013. I paid the traffic violation ticket when I got the ticket 5 years ago. I don't have any proof because this occurred 5+ years ago and now Cedar Business Services is trying to collect more from me. Also Isn't there a statute of limitations on this and how can a traffic violation occurring in another country placed to debt collections. I provided no consent.
Consumer complaint received 2018-11-28
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: Experian Information Solutions Inc. (GA)

I have been in close communication with XXXX XXXX regarding the reporting and detailed erroneous information that has been applied to my personal credit report for XXXX XXXX, XXXX, and Experian. I have received written information from XXXX XXXX stating that they are no longer reporting ANY negative information on my personal credit report for the XXXX XXXX Credit card, XXXX Credit Card, and XXXX XXXX XXXX XXXX credit card. After receipt of this letter from XXXX XXXX, I submitted a dispute with XXXX XXXX, XXXX, and Experian to have these accounts removed from my report as the information is no longer valid. XXXX XXXX, XXXX, and Experian completed the dispute wXXXX XXXX XXXX by only UPDATING the accounts to show as CLOSED and not DELETED. This information could not have been accurately investigated by XXXX XXXX, XXXX, and Experian within this amount of time and this resolution is completely inaccurate.