davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (AK)

On XX/XX/2019 I submitted an application for the U.S Bank Altitude Reserve Credit card. My application was approved and I received the credit card. I used the credit card for regular purchases. The card came with a $XXXX  annual fee which I paid on time in full. I always paid my balance off, and was not charged any interest.This card required that I spend $XXXX within the first 3 months of card membership in order to receive the sign up bonus of XXXX points. I met this requirement and I could see the bonus points as pending on my credit card statement.Then I received a notice that my account was being closed and that my points were being forfeited, and that I could not longer use the card.  The reason state was a pattern of buying gift cards.  I tried to see if I could get my account reinstated with no success. When I could not get my card reinstated I requested that the annual fee be refunded to me since I paid the $XXXX  fee. This request was refused. I requested that the annual fee be prorated for the months that I was not able to use it, this was also refused.I was wronged first that I clearly met the terms of the sign up bonus, I saw the points as pending to my rewards account, but then US Bank frozen my account not allowing me to use the points.  I was wronged again when US Bank close my account within 3 months of opening, yet would not refund the $XXXX annual fee which I paid.
Consumer complaint received 2019-09-01
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: EQUIFAX, INC. (NC)

I Have Inquiries that I don't recognized or that has pass the period that it should have been removed from my credit report. The Inquiries are listed below : 1. XXXX XXXX XXXX inquiry date:XXXX 2.XXXX XXXX inquiry date:XX/XX/XXXX3 XXXX XXXX XXXX inquiry date : XXXX 4. XXXX inquiry date:XX/XX/XXXX
Consumer complaint received 2019-08-29
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: GreenSky, LLC (NV)

On XX/XX/2019 Greensky Financial accessed my credit report and placed a hard inquiry on my credit report without my authorization, I did not seek credit from this company and I have never sought a line of credit from the company ; I did not give my social security number to this company and I did not authorize the company to apply for credit on my behalf ; The XXXX website advised me to report the fraudulent activity to my local police department and the social security administration which I will do along with filing a report with the XXXX  and State Attorney General 's Office of GA, I will have to retain an attorney which will cost a retainer fee of {$1500.00}.
Consumer complaint received 2024-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (IL)

I have been a loyal customer of Chase Bank since XXXX and have never been late on any of my personal Chase credit cards. On XX/XX/XXXX, I received a call from the Chase Lending Department informing me that my Southwest Chase credit card limit would be lowered to match my current balance. This change will significantly impact my credit score. 

During the call, I requested to speak with a supervisor due to the potential financial hardship this decision would cause me. I was later contacted by XXXX, a supervisor at the Chase Arizona call center. After reviewing my account notes, she placed me on hold and subsequently informed me that Chase had made an executive decision to lower my credit limit, despite my explanation of the hardships this would create. 

I want to emphasize that I have consistently maintained my accounts in good standing, with an excellent payment history on my credit file and no collections. How can Chase discriminate against me and suggest that I may no longer be able to pay my debt? My Chase business credit card has also never been over 30 days late. When I opened the business credit card, I was informed by Chase that my personal credit would only be considered for 12 months, after which my personal credit would not be affected by the business credit profile. 

Because of the pandemic, the only reason the business card holds a balance is that the business is just starting to recuperate from this national disaster Covid Pandemic. Chase earns over {$15000.00} plus a year from interest payments, and Chase also utilizes the funds in my checking and savings accounts for investment purposes.
Consumer complaint received 2019-09-01
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (AR)

Navient Is reporting delinquent history. They are purging which is the same as re-aging. 
The bureaus are reporting inaccurate information. The Credit Bureaus are not doing a good job of updating accurate information. Two other issue not reporting correctly. XXXX XXXX XXXX paid as agreed. XXXX XXXX belong to a family member and was in a bankruptcy..
Consumer complaint received 2019-10-01
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: EQUIFAX, INC. (IL)

According to my XXXX XXXX which I monitor with XXXX XXXX XXXX, my score dropped over 100 points within a 30 day period. There were no significant changes to my credit report other than my move ( two blocks ) to a different apartment. This is not supposed to affect the credit score!
Consumer complaint received 2019-08-20
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: CAPITAL ONE FINANCIAL CORPORATION (UT)

I got a credit card offer in my mail from Capital One last year XX/XX/XXXX in the month of XX/XX/XXXX. It was interesting to me because one-time bonus miles of XX/XX/XXXX, when I applied to the card, I got a statement online saying you are not qualifying for this offer, even though I received the offer in the mail. They pulled my credit report, my report went down because of that and I never received that offer.Now, XX/XX/XXXX, I received another mail from Capital one with some offer details and a letter with my name - personalized to me - and even stating - This offer expires XX/XX/XXXX, so apply now!. I reapplied thinking that they may have now more information about me, then I got the same message after applying stating, we can't approve your card. Why capital one deceive me by sending this type of marketing to my house, to my name, my address, if I am not qualified!. They again have taken points from my credit score because I applied, and now my credit score went down because of them and a non card approved - neither a offer promised - they said that I qualified in the letter!. They are hurting my credit score once again. Capital one is not a serious financial institution by doing this stuff, they need to be scrutinized by the CFPB in all their ads and marketing that deceive people like me and hurt credit scores of good American citizens!. The marketing add is XX/XX/XXXX - in which part of the letter that I received states that I may or may not be qualified - the offer is personalized to me!!! it is totally deceived!!!
Consumer complaint received 2019-09-01
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: Experian Information Solutions Inc. (NC)

I Have Inquiries that I don't recognized or that has pass the period that it should have been removed from my credit report. The Inquiries are listed below : 1. XXXX XXXXXXXX XXXX inquiry date:XXXX 2.XXXX XXXX inquiry date:XXXX 3 . XXXX XXXX inquiry date : XXXX 4.  XXXX inquiry date:XXXX
Consumer complaint received 2024-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: PNC Bank N.A. (PA)

Using the PNC XXXX XXXX XXXX XXXX, I used my credit card to make a {$50.00} transaction at a merchant called XXXX  on XX/XX/XXXX. I followed all of the specifications of the offer and it clearly states that the offer expires on XX/XX/XXXX ( please see in screenshot ). I waited for the mandatory 90 day period to pass, called a representative and they said to wait a little longer. I then called on XX/XX/XXXX, and was informed that a rep had made a case for me. She confirmed that she saw the XX/XX/XXXX date and would open a ticket that would be resolved within 20 business days ( and I would be contacted regardless of the outcome ). 

After the time period had passed without resolution and without PNC attempting to contact me, I called back to inquire about the credit on XXXX. I received word from XXXX that a {$25.00} credit would land in my account within 7 business days. It is now XX/XX/XXXX, and there has been no credit. 

I feel that I have been misled several times from PNC, and would like to finally be issued this {$25.00} credit. All correspondence occurred over phone.
Consumer complaint received 2019-08-20
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (SC)

I applied to Home Depot for a credit card to finance wall to wall carpeting.  This credit card offers interest free financing and $XXXX credit toward the purchase.  I already paid the measuring fee of $XXXX.     Before the purchase was complete I was advised that I had been declined for the credit card.  No reason for the denial was given.  I later received a letter from Home Depot Credit Services citing the reason for denial as “History of delinquent credit obligations”. I was referred to XXXX  for information on which Home Depot relied for this denial. I did not receive any adverse action notices.     I reviewed the credit report from XXXX and my record is absolutely clean.  All accounts I have open are in good standing with no delinquencies reported.  Four years ago I was forced to file bankruptcy, and even then I paid my credit cards up to the filing date so there were no delinquencies.  I have worked hard to re-establish my credit and now have a Good credit rating.        Under ECOA, it is unlawful for any creditor to discriminate against any applicant with respect to any aspect of credit.  I am a female senior citizen with a veteran spouse.  Denying credit for a blatantly false reason is unlawful and discriminatory.  There was no reason for this denial and Home Depot’s callus disregard for the facts of my credit has now gained me a credit inquiry to damage my credit further.  To deny me credit was reckless and a willful disregard for the truth. It was unwarranted and their decision should be reversed.  In their response I ask that they file only a truthful statement and that they refrain from adding any additional requirements or reasons for the credit denial.     And finally, I respectfully request they stop the Robocalls to my home everyday telling me to complete my carpeting purpose.  This is completely negligent on their part in not maintaining a check and balance against purchase/credit transactions.     This case has been referred to CFPB because they stop unfair, deceptive and/or fraudulent business practices.
Consumer complaint received 2019-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

On XX/XX/19, I received a notice from XXXX  that they would no longer be investigating 7 accounts that are incorrectly being reported on my credit report. According to XXXX, XXXX bank is being listed as holding seven accounts of mine. After repeatedly asking both XXXX and ALL THREE of the credit bureaus for proof that a relationship between myself and XXXX bank existed, no one responded. Finally, on XX/XX/2019, I received a response from XXXX bank claiming that they were unable to identify the accounts being disputed. I sent this letter to all three bureaus, yet, no action to remove these wrong, negative accounts occurred. I then called XXXX Bank who confirmed that they had no idea what I was talking about, and referred me back to the bureaus. Although XXXX brought this to my attention, XXXX, XXXX and Equifax are all reporting this incorrectly. Attached are the following documents : 1. The dispute letter asking for validation or signed agreement between XXXX and myself. 
2. Their response, informing me that they were not able to identify the accounts being disputed. 
3. The list of all seven accounts on XXXX, clearly showing that XXXX Bank is reporting this information. 
4. Another shot from XXXX showing that they are reporting late payments, despite me never having a debt to them.
Consumer complaint received 2019-08-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: REGIONS FINANCIAL CORPORATION (CO)

I have a new truck loan with regions bank in XXXX XXXXXXXX  flAbout XX/XX/2019 I get a call from a bank manager XXXX  who states someone pretending to be me is trying to cash a check against my checking account the police are called the person is arrestedI’m then told I must sign a release form or my account will be frozen and my automatic payments for my truck can’t be processed from that checking account I must appear in person and have the funds transferred to a new account I then ask since I live in Colorado can the balance be applied to my truck loan I’m told no so I have regions send me a new form for auto payments and I think all is well I see the payments going out to them monthlyThen on XX/XX/XXXX I get a letter with my name on it that’s got the wrong mail address on it starting they took out money from my checking account from regions to pay my past due truck payments first I know of any problemI cont my bank in Colorado and I find out regions stop taking payments out in XX/XX/XXXX I call regions and I explain this to 4 different departments with four different reason why payments stop coming from bank of Colorado none where for no funds availableMy credit is ruin as of no from 4 non payments I ask the bank manager in XXXX XXXX  regions bank and to my surprise I find out my account was never frozen so I ask why cant I have my payments taken out of that accountThey are going to get back to me regions has my correct mail address as I get monthly statements from them from my checkingI have received no loan statements in 5 months I don’t know what the big withdraw from my supposed frozen checking account at regions is for or broken down and no one will XXXX  any question as to why this happened
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

I was part of the Equifax credit information hack. It is unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. I am writing to demand that credit freezes and unfreezes be made free for individuals on which these credit companies store information. These companies already collect and sell our data, in an industry where their services are required. I ( nor any other consumer ) should be required to pay these companies to protect my information when, through their own errors, they lose the information they have been collecting without my consent anyway.
Consumer complaint received 2019-09-01
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. (NC)

I have requested the production of documents from all 3 major credit reporting agencies for a legal hearing concerning my identity theft and reported fraud since XX/XX/XXXX/XX/XX/XXXX. I again tried to fax the requests but all 3 fax numbers are returned by my paid fax service fax plus AS NO ANSWER. I have written to each of them and called to having a experian phone rep tell me that my XX/XX/XXXX credit info is no longer available since I disputed most of it. This is when my nightmare of fraud and identity theft was revealed again since reporting it in XX/XX/XXXX & XX/XX/XXXX to all 3. Confirmed by the office of the comptroller for currency in XX/XX/XXXX. I have identity theft recorded at the federal trade commission. I need these documents sent to me at that earliest convenience to XXXX  XXXX XXXX XXXX nc XXXX XXXX Date of birth XX/XX/XXXX Thank you I need all of my XX/XX/XXXX Reports from each # 2 a current credit report on file # 3 a copy of my XX/XX/XXXX/XX/XX/XXXX when I reported fraud and identity theft.
Consumer complaint received 2019-08-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I was misinformed about auto pay.  I made a manual payment back in XX/XX/2019 for $XXXX of which $XXXX was principal and interest and $XXXX was additional principal and was told auto pay would not process.  It DID process.  They held onto my money and I never received the overpayment checks back to me.  Then they said the overpayment will post to July mortgage. It never did so I made another manual payment.  Then in XX/XX/XXXXI received a past due notice about my mortgage which I had to again tell them they are holding onto my money and then finally they applied only the $XXXX to my XX/XX/XXXX mortgage which means they still owe me $XXXX.  Three weeks later, today XX/XX/XXXX, I called to get an update on where my check is and they said i have to wait until XX/XX/XXXX because its still being investigated.  They are providing false information to play with peoples money.  I have yet to review my credit score to determine if they late payment they applied late to my account was reported to the credit bureaus.  They told me things after the 10th of the month get reported but I have to check.I have spoken to 5-6 different managers to get this resolved and it has been extensively delayed.  All transactions were done electronically so its not difficult to track and see the history.  I strongly believe there are many other victims.
Consumer complaint received 2019-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Convergent Resources, Inc. (TX)

XX/XX/2019 - I sent a certified letter disputing the account XX/XX/2019 - I received a letter from Convergent Outsourcing with a bill that they claimed I owed {$140.00}. The amount {$140.00} was not an accurate amount according to the bill they provided. 
XX/XX/2019 - Convergent Outsourcing received my letter of response stating that by providing a bill was not considered proof per FDCPA Section 809 ( b ) FTC opinion letter XXXX from XXXX XX/XX/2019 - I receive another the exact same letter as before, claiming that the debt is valid but have yet to provide any proof of my signature or anything. And there is still inconsistency and inaccuracy on the amounts owed. 
They have failed to provide any proof of the debt owed besides a bill with no valid signatures or proof.
Consumer complaint received 2024-10-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mercedes Benz Financial Services (FL)

I am reporting identity theft by my ex-boyfriend, XXXX XXXX. He stole my personal information and opened a car loan in my name without my consent. This has resulted in missed payments being reported to credit agencies, negatively affecting my credit score. 

I have filed a police report and contacted the lender to dispute the loan, but the fraudulent account remains on my credit report. I request your assistance in having this debt removed, as it is not mine and was incurred without my knowledge or consent. Thank you for your help.
Consumer complaint received 2019-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC (IL)

In XXXX ( not sure of correct date ) I had a hearing with XXXX as well as Illinois XXXX XXXX XXXX. During my phone hearing I informed both the hearing officer, as well as the rep from Illinois XXXX XXXX XXXX, that I did not owe the debt that they were claiming I owed. The hearing officer as well as the rep from Illinois XXXX XXXX XXXX informed me that in order to clear the debt I would have to provide attendance records from my sons school that showed he did not attend the after school program for which I was being charged. The hearing officer suggested that I not appeal the amount being owed until i gathered all of the necessary information, and both the hearing officer and rep from Illinois XXXX XXXX XXXX suggested that I pay on the debt so that it did not go to collections, and if it was found out that I did not owe what they were claiming, I would be reimbursed. In XXXX I received an agreement from XXXX that I would pay {$57.00} each month on the XXXX in order to satisfy the debt. I remitted payment of {$57.00} on XX/XX/XXXX. On XX/XX/XXXX I went to the school DHS and Illinois XXXX XXXX XXXX stated I owed the debt from, and they had no record of my son ever being in their after school program, and stated they never received any payments from the state. I faxed Illinois XXXX XXXX XXXX this information, and reappealed my original dispute on XX/XX/XXXX. Today on XX/XX/XXXX, I received a notification from XXXX XXXX that a new debt had been added to my XXXX  account- it was the debt from DHS/Illinois XXXX XXXX XXXX. I immediately contacted the collection agency and told them that I was disputing the debt, and that it had already been in dispute within the 30 day time frame that I am allowed by LAW, and that a payment had already been made on the account, and therefore it was not past due so they were reporting deceptive practices to the credit bureaus. XXXX told me that I didn't know what I was talking about, and that they could not remove the debt from my credit report unless XXXX advised them to. I explained to XXXX that Harvard Collections was in violation of the FDCPA because I had already disputed, in writing with XXXX that the debt was not valid within the 30 day time frame, and had already made a payment so the debt was not pat due and he insisted on telling me that they were within their rights to report this invalid debt.