davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-12
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: Credit Systems International, Inc. (FL)

CREDIT SYSTEMS INTL IN is incorrectly reporting information on the following two accounts : Account # XXXX Original Creditor : XXXX XXXX XXXX Balance : {$410.00} Original Balance : {$500.00} Account # XXXX Original Creditor : XXXX XXXX XXXX Balance {$330.00} Original Balance {$330.00} I mailed XXXX  a letter on XX/XX/XXXX. In the letter, I explained that I had been living in XXXX since XXXX of XXXX and just returned to live in the USA in XXXX of XXXX. Previously, I had only returned to the USA in XXXX, for business purposes. 

I included copies of my US Passport with my XX/XX/XXXXXX/XX/XXXX. They show every entry and exit out of XXXX. 

The letter further states that I never opened nor authorized any of the above accounts to be opened. I enclosed the copies of my passport XXXX  pages which supported my position and asked the company to reinvestigate the matters and to delete the disputed information. 

In addition to providing the inforamtion to XXXX, I called Credit Systems Intl IN, around XX/XX/XXXX. I explained that I sent my XX/XX/XXXXand proof that I was living overseas and did not open the accounts. 

I have recently purchased a new truck and my interest is much higher due to the negative credit reporting provided by Credit Systems Intl IN. Their inaction to address incorrect informaiton has resulted in financial harm and damage by requiring me to pay a much higher interest rate. The policies and practices employed by this company are contrary to Fair Credit Reporting Act ( FCRA ) laws and they should be reprimanded for the financial harm they have caused to myself and to many others. 

if this is not resolved, my next course of action will be to hire an attorney to sue them for the financial damages which have resulted from their noncompliance with FCRA laws. I hope that I do not have to waste time and money with this approach and hope that your office can assist in remedying this situation as well as place a note in their file indicating that their business does not comply with the Fair Credit Reporting Act laws. They are likely causing financial harm to many customers by their intentional inaction. 

I look forward to help from your agency with this matter. 

Very Respectfully, XXXX XXXX
Consumer complaint received 2020-10-14
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. (OR)

So I disputed an account that was fradulent on my XXXX  account and they resolved the issues but TransUnion and XXXX  didn't even acknowledge that XXXX  had deleted an account that was never mine and so XXXX  and TransUnion needs to update my credit score once again. They aren't being up to date with everything
Consumer complaint received 2020-10-14
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. (GA)

I sent a dispute to have these addresses that are appearing on my credit report, and they still have not been removed, I have sent numerous letters every month about addresses appearing that do not belong to me. The following is incorrect : Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX have not lived XXXX these XXXX. My primary residential and mailing address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX
Consumer complaint received 2020-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF THE WEST (TX)

I have a loan for a recreational vehicle through bank of the west. I have had this loan since XX/XX/XXXX. This is a joint loan with myself and my wife so it affects both of our credit scores. I have made 15 on time payments for this loan with the exception of a reported 30 days late  payments for XX/XX/XXXX. I call them every month to pay my loan so that I can personally make sure it is taken care of. I used XXXX  for my bank at that time who decided to perform IT updates that whole week so their website didnt crash. Anyone who has used XXXX  XXXX  knows they randomly mess with updates and freeze accounts for random periods of time so I no longer use them. I called on the XXXX of XXXX which is when I make my payment each month and they said it went through. As far as I knew my payment went through. I assumed it was taken care of just like every other month. I work a lot so I dont check my checking account everyday or even once every 4-6 days sometimes. I received a phone call from bank of the west after my grace window had closed stating that my account was past due and will now be reported delinquent. I then tried to log into XXXX but I received an error saying they were updating their system so some normal banking operations will be unavailable. I didnt realize that meant my funds were unavailable to pay bills!? So I then made a payment from a separate checking account with a different bank and this time it went through no problem. I then asked bank of the west if they would take that late payment off since it was clearly a banking error to which they declined to do anything. This lowered mine and my wifes credit score 95 points in a single day. I have several different revolving credit accounts including a mortgage that I have never been late on. This one single late payment is preventing me from obtaining access to auto loans and personal  loans/lines of credit and it is causing undue hardship on myself and my wife. I have called bank of the west and even disputed this information on my credit report but it will not go away. I dont believe what they did was right and I am reaching out to CFPB for help.
Consumer complaint received 2020-10-13
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (OR)

On XX/XX/2020 I applied for a XXXX XXXX credit card through Comenity Bank ; on the same day, once the account was approved, I ordered an item that qualitied me for a {$10.00} credit on my current order as well as a {$10.00} credit on my first statement. I have a screenshot of the offer. Additionally, when I received the order confirmation, it indicated I qualified for free shipping on this order ; I have the email message to this effect. 

When I received my statement last week, I found that not only was I charged shipping, neither of the promised {$10.00} credits had been applied to my account. 

I first attempted to contact XXXX XXXX via secure messaging on their website. The response directed me to call for assistance. 

I have contacted both XXXX XXXX and Comenity Bank, the issuer of the credit card/account and have been given nothing but a runaround, with Comenity Bank telling me to speak to XXXX XXXX and XXXX XXXX telling me speak to Comenity Bank. Today alone, I have spoken to TWELVE different people today trying to get this resolved and have been lectured to and hung up on by supposed 'Customer Service XXXX representatives.
Consumer complaint received 2017-02-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (WA)

Attempting to get PMI removed from a PennyMac USA loan. At first I attempted to get PMI removed when the loan first reached 80 %. They ( in their right ) told me I needed to get an appraiser to confirm the property had not lost value. I think just a XXXX or XXXX search of the area should have been good enough but they requested an appraiser. I was used to good lenders which automatically terminated on request at 80 % since they new of market values. So now my loan has currently reached 77.9 % LTV and I requested termination but they are telling me I still need and appraisal. They are also telling me that I need to wait until 75 % LTV. I have asked them where that is listed as I do n't see it anywhere in the Homeowners Protection act or on the Consumer Financial Protection website. If contacted I can attach a word document that lists the E-mail exchange between PennyMac and myself in XXXX short pages so there will be no misrepresentation on what was said. Thanks, XXXX XXXX
Consumer complaint received 2020-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Flagstar Bank, N.A. (UT)

I am writing the CFPB because Flagstar has not properly investigated this account. They are not looking into any information I am providing in regard to the erroneous late remarks on my credit report. 

This company has violated RESPA as well and I need this is be properly investigated. 

This is for loan number XXXX. Property address : XXXX XXXX XXXX XXXX, XXXX, UT XXXX. 
This loan transferred from XXXX XXXX  to Flagstar Bank in XX/XX/XXXX. 
In XX/XX/XXXX, I informed XXXX XXXX  of an address change as the property address your company has on file is a Rental Property and we were not residing there. 
I was told by XXXX XXXX  that the address was updated. 
XXXX XXXX  transferred the loan without my knowledge to Flagstar in XXXX. I received no welcome call, email or letter regarding this transfer. 
I spoke to a representative named XXXX from Flagstar on XX/XX/XXXX and she stated she agreed that this was a solicitation issue and they did not properly inform me of the transfer. 
Flagstar is also violating RESPA as I have 60 days to pay anyways once it has been transferred. 
Flagstar responds stating this is accurate with NO OTHER INFORMATION. I have asked multiple representatives to explain how this is accurate and they are unable to. 
This is NOT accurate information AT ALL. I asked for call transcripts to be transferred from the beginning of XXXX from XXXX XXXX  to Flagstar because Flagstar can only see calls from XX/XX/XXXX to now. 
I attached my proof from USPS that clearly shows Flagstar was sending the information to the wrong address. This is an error by XXXX XXXX  since they did not change the address when informed. Flagstar also did not properly update this information. I was NEVER informed of this transfer and Flagstar can see I have never been late on this account until they wrongfully forgot to update my address.
Consumer complaint received 2020-10-14
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. (GA)

I was shocked when I reviewed my credit report and found late payments on the dates below : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2020-10-14
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

I have reached out to this company several times one time I was offered a debt settlement then they took out a different amount and I kept requesting everything in writing they never sent me anything in writing for verification of the final date or a final that agreement none of which was ever sent to me. Now Im getting calls from a company called XXXX XXXX   and yet there I requested debt validation and original call original copies of the of the agreement none of which has been provided to me XXXX XXXX has a number of XXXX I asked them for a fox a mailing address or an email and then it which has been provided to me also
Consumer complaint received 2020-10-13
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (CA)

I have been paying XXXX  monthly to XXXX XXXX XXXX. The last payment was XX/XX/XXXX. They are telling me if I dont set up a payment plan they will continue to harass me. I can not afford to do a payment plan because I am unemployed and dont know how much I am going to be getting every month due to the unemployment amounts being so varied. 

They have called me 3 times a day starting XX/XX/XXXX. I explained to them my payment was paid on XX/XX/XXXX but they said they wouldnt stop calling unless I set up a payment plan for the next payment. 

I told them not to call back but they have repeatedly done so. I have talked to them 4 times since XX/XX/XXXX and had 3 missed called a day since then as well.
Consumer complaint received 2020-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It is wrong for companies to receive authorization and permissible purpose to access a consumer 's credit report but then hire another company to acquire the report. The Credit Reporting Agency 's ( CRA ) are allowing this by not requiring all of their clients to have permissible purpose and authorization in their respective name. The risk of a person 's private information then increases because companies are violating  the FCRA. I was surprised when I saw XXXX XXXX on my report and called. They are a lax company owned by a very large company.. 
I was hit by thieves that had too much of my information.
Consumer complaint received 2020-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a Bank of America Credit card for over 20 years. On XX/XX/2018 they reported me 30 day late. I have never been late on any of my credit cards. They change my paper statement to Electronic statement. I always receive all my statement via the mail. They intentionally change the way I receive my statement and when I was late they did not intend to call me and let me figure out on my own. Bank of America bad business practice.
Consumer complaint received 2020-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX, I contacted Transunion directly via telephone to file a dispute. They stated I need to mail in the documents I had for the dispute along with a cover letter with a report number. I did this the same day via priority mail with my local post office. They received everything on XX/XX/XXXX. 

Today, XX/XX/XXXX, I received a post card from Transunion stating they had added a fraud alert to my account as requested. The post card shows an issued date of XX/XX/XXXX. I immediately contacted them via telephone and spoke to a supervisor after another representative could not verify my identity. The supervisor asked the same questions that the previous person asked me. One of the questions was about an account that was opened in XXXX of XXXX and what the credit limit was. Since I opened multiple accounts in XXXX around that time, I stated I could not accurately answer that. The supervisor stated they could not do anything about the fraud alert on my credit report because he could not verify me because of that one question. 

I then questioned him on how Transunion can even add a fraud alert to my credit report without my authorization and he could not answer. I informed him that I never requested it in the first place and never authorized Transunion to add the fraud alert and that his company commited fraud. 

I then went on to question him on how he could verify me by my social security number to pull up my credit report along with my middle name and suffix, but couldn't do the same to remove the fraud alert that Transunion fraudulantly added to my credit report. Of course, he could not answer the question.
Consumer complaint received 2020-10-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC. (MO)

This company threatened with an lawyer review. I attempted to contact this company in XXXX of 2020 through contact via phone & later through certified mail. My attempts in contacting this company was met with a returned certified letter to my home address. Again in XXXX of 2020 I sent another certified letter to this company asking to verify & validate this debt. I have yet to receive any communication from this company in regards to my second letter for verification & validation other than the threat they send me with being sued. Actions they are willing to take include, but are not limited to : Obtain a lien against my property Garnish my wages or bank accounts Obtain information about my assets.
Consumer complaint received 2020-10-14
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. (OH)

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I have serious problems with addresses on my credit report that I have never lived at showing on my credit report! Please remove these unknown, unrecognized addresses. The following addresses are not accurate please delete : XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX # XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX SQUIRREL XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. 
I have a new job that I am applying for and this information on my file needs to be corrected. 
I noticed that there was an account from XXXX XXXX XXXX  # XXXX I have never done any business with this company and I know this information is inaccurate. Please delete this account at once. I have requested documents for this account without any response back. This is an error. 
Please remove the name XXXX XXXX XXXX and XXXX XXXX that is not my name.
Consumer complaint received 2020-10-14
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. (NY)

XXXX is reporting first date of delinquently incorrectly they keep changing the dates they would update account to correct date of first delinquency which is XX/XX/XXXX. They are now reporting the first date of delinquents is XX/XX/XXXX which is totally incorrect please correct and update my account information I have dudkyrdd this with all of the major credit beru s with no remedy Car loan account was opened XX/XX/XXXX I made my first late payment on XX/XX/XXXX
Consumer complaint received 2020-10-14
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$6300.00} -This is not my account.
Consumer complaint received 2020-10-13
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. (IL)

On the XXXX XX/XX/2020, I booked a return flight for my Aunt going from XXXX  to XXXX. This flight was booked using my chase XXXX reward points. However, the flight booked was cancelled by XXXX XXXX. As such, I called XXXX XXXX to get a full refund, as per the DOT regulations and while XXXX XXXX promised to refund the flight they never did. On XX/XX/2020, I submitted a complaint to DOT explaining how I was not given a full refund as I'm legally entitled to. As such, such DOT replied back to me explaining that they contact Chase Travel and XXXX XXXX, in regards to this and requested them to issue a full refund. On XXXX XX/XX/2020, XXXX XXXX, contacted me stating they were looking into the issue and would get back to me. On XXXX XX/XX/2020, XXXX XXXX, replied back stating that they had system issues that resulted in them delaying the refund on their side. As such, they requested that I initiate a credit card dispute to retrieve the original cost of the flight. As the flight was booked using chase points, this was not something I could proceed with, however, this would be something that Chase Travel could resolve. I contacted chase travel multiple times via email, with the last email sent on XX/XX/XXXX and I never received any response. During this time I called Chase Travel Center to get in contact with a supervisor in order to get authorization to proceed with the chargeback. Over a 3 month period, I called Chase Travel Center four times and each time, I was told that there was no supervisor available and that I would need wait approx. 72 hours for a a call back. However, each time I never received a callback and I'm stuck in the same place as I was since XXXX. Each of these phone calls were recorded and I contacted Chase Travel Center once via Chat, to get this resolved ; again being promised a call back from a supervisor, which never happened. I have all the email history from DOT, XXXX XXXX & Chase XXXX XXXX XXXX with no replies XXXX.