davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-13
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: AMERICAN EXPRESS COMPANY (HI)

I called American Express on XX/XX/2019 wanting to cancel my credit card. They transferred me to their retention department and they offered me a {$50.00} statement credit if I spent {$1000.00} on that credit card within 3 months. I met the spend requirement on XX/XX/2019. 

Called on XX/XX/2019 and asked when I should be receiving that {$50.00} statement credit. They said it takes 6-8 weeks to see the credit. 

Called back on XX/XX/2019 to follow up and they said they see it on my account and they're not sure why it's not credited but that I should see it soon. 

Called bak XX/XX/2019 and spoke to a Manager. She escalated it up and promised me she would call back within 24 - 48 hours with an answer. Never received any call back from her. 

Called back AGAIN XX/XX/XXXX, and they said they're " looking into it '', and it could take 30 - 90 days. 

This is ABSOLUTELY ridiculous. I've done my part, and I shouldn't have to be following up and wasting my time and energy on something that they promised in the first place. It really shouldn't be this difficult to look into and apply to my account.
Consumer complaint received 2019-02-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (SC)

I have paid off the collection LVNV FUNDING, LLC of {$50.00}, but it is still showing on all three credit bureaus as a derogatory mark due to past late payments. This is hurting my credit score and need it removed permanently. I am in the process of buying a home and this collection is hurting my chances of receiving a loan.
Consumer complaint received 2018-12-11
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: CREDIT ACCEPTANCE CORPORATION (GA)

I have a loan with CREDIT ACCEPTANCE CORP. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and CREDIT ACCEPTANCE CORP with no successful resolution. XXXX  only reporting me late. There was definitely an error on their part. I was never 30-59 days late.
Consumer complaint received 2018-12-11
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. (SC)

Eradicate every claim of the alleged yet unproven to be my responsibility or fault. Several attempts on disputing the accounts to no success, so I decided to file this complaint hoping you can help me out and delete the accounts which are not my responsibility namely XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-13
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: First Investors Servicing Corporation, Atlanta, GA Branch (MD)

I did not authorize the following inquiries listed on my credit reports. I wrote a dispute letter to the companies and the credit bureaus. 

XXXX XXXX XXXX XXXX  inquiry XX/XX/18 XXXX XXXX XXXX XXXX, Suite XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX inquiry XX/XX/18 XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX XXXX  XXXX XXXX XXXX XXXX inquiry XX/XX/18 XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX I received a response from 1st Investors Financial Services indicating that the inquiries were made at the request of XXXX XXXX XXXX  and XXXX  XXXX. So I contacted XXXX XXXX XXXX and XXXX XXXX who informed me that they can not assist me with deletion of the inquiries. I did not authorize credit inquiries one week apart.
Consumer complaint received 2019-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (MA)

On XX/XX/XXXX, Equifax announced that it had discovered a cyber security breach had occurred earlier that year, exposing over XXXX XXXX users ' data to hackers. 

On Friday, XX/XX/XXXX, I learned of a class action lawsuit that would entitle those whose data had been stolen to receive just compensation from Equifax, whose lax and careless security practices failed to protect the precious data entrusted to it. 

I filed the claim for compensation as directed on this website : https : //www.equifaxbreachsettlement.com/file-a-claim Then, today ( XX/XX/XXXX ) I learned that the response to the class action filing process has been, as they said, " overwhelming, '' and that only {$31.00} XXXX of the already-paltry {$420.00} XXXX settlement had been allotted to payouts to those affected by the breach. So instead of receiving up to {$120.00} in compensation, the total cash payout divided equally across all claimants will be minuscule. If they had to pay the full {$120.00} per affected individual, it would cost roughly {>= $1,000,000} https : //www.ftc.gov/enforcement/cases-proceedings/refunds/equifax-data-breach-settlement The alternative being offered is for Equifax to offer years of free credit reporting, which is fine, but hardly a way to punish a massive company for their depraved disregard for customer privacy. 

How will we keep these credit bureaus honest if the only penalties they incur for incompetence and indifference is so small as to be a veritable slap on the wrist? They'll just see it as the cost of doing business, and will continue to be criminally negligent actors in the finance space. 

As your admirable stated mission is to " write and enforce rules that keep banks and other financial companies operating fairly, '' I think the CFPB should be alarmed and appalled by this turn of events. Equifax is essentially paying no price for their negligence, and they are shifting the burden of dealing with the consequences of the data breach onto the victims. 

As citizens in 21st century America, affected consumers have little choice but to participate in the credit bureaus ' game, but the power is ludicrously unequally distributed. Agencies like the CFPB are one of the few levers by which ordinary citizens can apply pressure to these huge power brokers. 

I would like to see the CFPB take whatever actions are possible to ensure that Equifax and other credit bureaus are forced to protect the consumer data with which they are entrusted, now and in the future. Thank you.
Consumer complaint received 2020-08-19
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. (MI)

On XX/XX/XXXX I received a letter from XXXX/XXXX XXXX dated XXXX XXXX.The letter states '' thankyou for applying for a XXXX XXXX XXXX  on XX/XX/XXXX '' .I NEVER applied for a personal loan through XXXX or its affiliates.This is fraud.I did have a XXXX card with no balance and early XXXX during breakout of covid-19 pandemic, XXXX closed my account citing inactivity.I did call XXXX at XXXX on XX/XX/XXXX at XXXX and spoke with XXXXShe took some information and stated that it was a soft pull and I shouldnt worry and transferred me to Bank fraud Unit at XXXX call with XXXX ended at XXXX statement to XXXX is wrong about the personal loan i never applied for.When she transferred me to bank fraud unit, the bank fraud unit was closed.Recently, In XX/XX/XXXX, someone used my personal info to commit fraud at a XXXX through XXXX  to purchase a cell phone.This was fraud.Why almost a year later im getting a letter from XXXX???? .Therefore, I never applied for a personal loan from XXXX/XXXX XXXX.THIS IS FRAUD
Consumer complaint received 2020-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (OH)

I couldn't link my bank account with XXXX, back around XXXX or XXXX of 2020. Because of this, I can't use that app, which is to help save money, in a very smart way. I called PNC & was, in so many words, told " too bad ''. Now it's XX/XX/2020, & I've been using XXXX XXXX XXXX, with whom I also have their secured credit card, and PNC won't let me link my bank account with them either, so to pay on my credit card. Instead, I'm forced to use my debit/bank card & I have to pay a fee, every single time I need/want to pay on that credit card. It's total XXXX. They can say they're trying to keep their customers personal info secure but I'm not XXXX ... .I know it's just so they can make more money. All financial institutions are in kahoots & they're all a bunch of greedy XXXX. Unfortunately, these financial institutions are also a necessary evil & there's no way around having to deal with them & it XXXX XXXX.
Consumer complaint received 2019-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (IL)

BARCLAYSBK is reporting incorrect information to XXXX ; XXXX and XXXX a charge-off for partial account number - XXXX. This account as been paid and the correct reporting should reflect a {$0.00} balance and {$0.00} past due. ( Please see pages 4 and 5 of the attached credit report. ) This incorrect reporting on my credit report is harming my credit score.
Consumer complaint received 2019-05-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (GA)

On XX/XX/2019 I found the website XXXX & purchased two items for {$460.00}. The company offered a " discount '' of 10 % if you send the payment through PAYPAL.COM to XXXX ( ), which I did. Their payment hit my account two times, causing overdraft fees. After contacting the company, they promised to compensate me for those overdraft fees but instructed I resend the amount to XXXX ( XXXX XXXX ), which I did on XX/XX/2019. I have not gotten the refund from those fees. All seemed well until nearly 3 weeks went by without word on the delivery. I began reaching out, via their online chat but no useful information came of that. They've continued to ask for my patience & understanding. They've expressed issues occuring with their XXXX " vender '', giving me new dates for receiving my order. During the first week of XX/XX/2019, I reached out asking for blunt honesty, telling them how needed to device is but there's been no change. Now, the company does not respond to my online messaging. PLEASE STAY AWAY FROM THIS WEBSITE OR ANYWHERE THESE EMAILS SHOW UP. WHEN THINGS ARE TOO GOOD TO BE TRUE, THEY'RE EVIL.
Consumer complaint received 2019-05-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (WA)

For years I tried to get a modification but Ocwen denied me because I had got hurt at work and was workers compensation. After making me jump through hoops they told me that workers compensation is not a job and isnt considered a job. So I was forced to file bankruptcy. So over the years I have tried to make an agreement to keep my house but every time I attempt to the amount owed is a lot higher than it should be and there is a huge balloon payment involved. This year I was contacted by Ocwen again. I had a very high payment to make for three months again. This is to prove Im serious I guess. But every month I kept getting notices of default and to sell my house in the mail. It seems like theyre doing this to bully me into signing an offer from them that not fair and too high. What can I do?
Consumer complaint received 2019-05-14
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (OK)

I filed a complaint with the CFPB, and it was closed as soon as the company responded to the complaint. The information provided by the company was incorrect, and I was never given a chance to respond. OneMain ran a hard check of my credit on XX/XX/2019 that I did not authorize. They obtained my information from XXXX, and third party personal lending consolidator that does not authorize hard checks or pass on permission to authorize a hard check to the companies it works with. I spoke with XXXX about this and have a transcript of the conversation. However, OneMain received my information and proceeded to run a hard check of my credit report. Their executive office  provided desktop screenshots from their site, not that of XXXX, that they say show I authorized a hard check. I never visited their desktop site, and I submitted my information to XXXX through their mobile app only, not the desktop site. Upon examining the screenshots from OneMain, at least 30 % of the information that they say was supplied by me was incorrect, including key elements like salary, job position, etc. OneMain reported this hard check to XXXX, and it has damaged my credit score,  but moreover, they violated the FCRA in running a hard check without my authorization. I would like for the CFPB to contact OneMain about this issue. The hard credit authorization is fraudulent, proven by the inaccuracy of the information they claim I submitted on their desktop website.
Consumer complaint received 2019-12-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc. (OR)

On XX/XX/2019, I notified Chrysler Capital in XXXX XXXX, TX, that since my loan through them had been refinanced, I wanted reimbursement for the balance of the gap insurance and other add-on services I opted for at the time of purchase. They responded : " If you purchased credit insurance or any other ancillary product ( i.e. GAP ) in connection with the purchase of your vehicle, you may be entitled to a refund of unearned premiums. Please contact the original seller for details about recovering unearned premiums for credit insurance or any other ancillary product. I then wrote to the XXXX XXXX dealership, and they eventually refunded the add-on reimbursements, but said that Chrysler Capital would refund the gap insurance. After waiting for some time, I wrote to Chrysler again on XX/XX/XXXX, and asked them to refund it ASAP. I have received no response from them, and no reimbursement.
Consumer complaint received 2019-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (TX)

This refers to the IDnotify service provided to me by Experian after the recent XXXX security breach. They advertise on their website that they will provide up to {$1.00} XXXX in identity theft coverage if necessary. I phoned them earlier today and was told that this coverage is not provided. I mentioned that is is clearly advertised on their website and not offering it is an act of internet fraud. I attempted to obtain help with this after XXXX XXXX XXXX filed a lawsuit against me as an act of debt collection, which is not only a violation of my rights as a consumer, but it was also filed using a mailing address which I attempted to remove from my credit files 2 years ago and longer. I tried in good faith to resolve my debt issues with XXXX XXXX XXXX several times and was told this address was part of an investigation by one of their service people. Using an illegal address to attempt to collect a debt is not only an illegal act of identity theft, but not being able to resolve it through one of the major credit reporting services leaves me with no option but to report it in this manner. XXXX XXXX XXXX closed both of my credit accounts after an attempt to repay the debt through a debt consolidation service failed to get them the money I had paid on time. I canceled the debt repayment plan and they closed my accounts as a result. I am still unable to repay the debt at this time and using a false identity to collect it is clearly wrong. After more than 30 attempts to get legal assistance with this over a period of five years, all of which failed, I have no other option to file this complaint.
Consumer complaint received 2019-05-23
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Conn's, Inc. (TX)

company keeps increasing the balance on the account causing my credit score to decrease, stating that interest is applied monthly, daily, and once over the course of the loan. 
ive attempted to call and ask why this happens but no-one can provide an explanation.
Consumer complaint received 2017-06-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (GA)

on   XXXX   XXXX  2017    i recieved a letter from midland funding llc. about a credit debt thinking it was a scam i ignored it. went to apply for auto loan and was denied due to collections ( midland funding llc. ) I went on to the credit beauro 's sites and posted disputes not one but twice after midland funding refused to accept the fact i had disputed it as fraudulent i called them and they did not want to listen as i told them if was a fraudulent account and the bill was not mine far to say they said i would have to have proof well i filed with the federal trade commission identity theft.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX ( XXXX ) to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

On XX/XX/2019 I reported 16 fraudulent debit card transactions made using my Debit Card to Citibank. I was provided Dispute ID # XXXX. On XX/XX/2019, I received provisional credit for 16 of the 18 transactions. I also received a letter in the mail on or about XX/XX/2019 advising me that the transaction for {$540.00} was provisionally credited to my account pending final disposition of the investigation. However, I never received any such provisional credit for {$540.00} despite what the letter from Citibank stated. I have followed up multiple times with the Citibank Disputes Department and have requested to speak with a US-based supervisor on three separate occasions. On all three occasions, the supervisors stated they would send an email to the back office requesting that this error be corrected and that the credit be applied to my account. As of todays date, this has not occurred. Citibank has represented to me information that is false and misleading. Moreover, Citibank has passed the 10 business day deadline to apply the credit to my account. While provisional credits are at a banks discretion, it is noteworthy that Citibank did apply credit for 16 of the 18 transactions, sent a letter advising that the transaction for {$540.00} was credited, and subsequent follow up has failed to remedy this error. 

It is completely unacceptable for a bank to advise of an action that has not occurred and then fail to perform the action stated therein.
Consumer complaint received 2024-10-04
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (VA)

I recently checked my credit and identified a debt collection on my consumer report from SUNRISE CREDIT. Account # XXXX. How did you come up with this balance? I have never done business with you. Please send me all the documentation proof that I have done business with you!
Consumer complaint received 2019-05-14
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. (NY)

On XX/XX/2019 I got a hard Inquiry from XXXX through Experian. I had called both company 's asking them to show me something I signed or or authorized. Because I knew this was fraud and not authorized by me. 

XXXX said it should be removed off my credit file but according to creditwise.com it is still there. 

I have no account with them and I never applied for any account. Thank you
Consumer complaint received 2019-05-14
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: EQUIFAX, INC. (MO)

Equifax and XXXX are reporting an incorrect coding of the XXXX XXXX partial account number XXXX. This account actually needs to be coded as an M1. ( Please see page 9 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MS)

I have been trying to access my XXXX XXXX from Experian and from my thinking Im thinking it supposed to be free from Experian app so when I login they charging me {$24.00} and they keep trying to charged my XXXX XXXX on a daily they do this every day usually I didnt have to pay so its stuck on a payment its like they demanding payments with either charging my card.