davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-03
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. (IL)

I am a victim of Identity theft/fraud. 

I have notified this collection company/original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX AND EXPERIAN XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. XXXX   XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX AND EXPERIAN continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.
Consumer complaint received 2019-03-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Protection Association, L.P. (FL)

On XX/XX/XXXX, a two ( 2 ) page written dispute letter explaining the grounds under which the alleged debt was disputed and was not owed by me was U.S. mailed return receipt requested to XXXX XXXX XXXX, the Florida Registered Agent for XXXX XXXX and their affiliates doing business in Florida, and such letter was received and signed for by a representative of XXXX XXXX XXXX on XX/XX/XXXX. To date, XXXX XXXX has not acknowledged and/or responded to this dispute letter. 
During the mid to later part of XXXX, XXXX, my first and only correspondence from XXXX XXXX XXXX, XXXX mailed me notices ( first dated XX/XX/XXXX and the second dated XX/XX/XXXX, XXXX ) which failed to disclose in such notices in violation of FDCPA the following, but not limited to, illegal acts and/or violations- ( i ) debt was in dispute, ( ii ) my right to dispute validity of debt and be provided proof of said debt even though it had already been disputed, and ( iii ) threatened to report debt to credit reporting agencies without disclosing debt is in dispute.
Consumer complaint received 2019-03-04
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)

I have had someone access my credit profile for accounts that I do not recognize. I have had my wallet stolen and my credit, I.D . was used not sure how many accounts were opened. My current address is XXXX XXXX XXXX XXXX, OH XXXX. My name is not XXXX XXXX or XXXX XXXX please delete them from my credit file. 
XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX , I do not own these phone numbers please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX.
Consumer complaint received 2019-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (DC)

I deposited a check that I received from a well-established company into the ATM. I was not advised that the item would be held for three days. I checked the account around XXXX XXXX  the morning after I deposited the check and the funds showed that they were available. I attempted to make a payment two hours later, and the payment was declined. I then checked my account and found that the funds had been placed on hold. I contacted the bank and was told that there was nothing that they could do until the next day. I contacted them the next day and was advised by a branch manager that they would not be able to assist with verifying the check with the bank it was drawn on and that I needed to wait until the hold falls off. I am taken back with this type of response as I have been a customer of Citi for eleven years.
Consumer complaint received 2018-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

Multiple Equifax agents have refused to open a dispute on an address being reported incorrectly. I asked for the contact information of the creditor reporting the information. I was told by XXXX ( id # : XXXX ) there's no record of the creditor reporting the address. In addition, I was told I need to prove or disapprove the validity of the address in question. I was dismissed when I reminded the agents of the law requiring the agency to investigate and come to a resolution with 30 days. 

Also, Equifax has made it impossible for me to access my credit file online or phone and extremely difficult via phone. I do not have this issue with the two other agencies.
Consumer complaint received 2018-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX HAVE CHANGED THE TERMS OF MY LOAN IN VIOLATION OF LAW. MY PROMISSORY NOTE EXPLICITLY STATES THAT ONLY MY PRINCIPAL AMOUNT IS TO BE REPORTED UNLESS I AM REMOVED FROM IBR. I HAVE NOT BEEN REMOVED FROM IBR AND INSTEAD XXXX XXXX HAS DECIDED ON THEIR OWN TO CHANGE THE TERMS OF MY CONTRACT AND HOW THE REPORT MY BALANCE. XXXX XXXX REPORTING THE INCORRECT BALANCE HAS CAUSED ME TO OBTAIN A 40 POINT DECREASE IN MY CREDIT SCORE! FURTHER XXXX XXXX   FAILED TO INFORM ME OF ANY CHANGES TO MY ACCOUNT AS REQUIRED BY LAW!!! I AM REQUESTING XXXX XXXX GO BACK TO REPORTING MY PRINCIPAL BALANCE ONLY OR I WILL BE FORCED TO SUE THIS INCOMPETENT COMPANY! THERE INTERNAL PROCEDURES DO NOT OVERRIDE THE LAW! THEY TRIED THIS SAME ILLEGAL TACTIC WITH ME LAST YEAR AND NOW RETALIATING BECAUSE I WAS ABLE TO GET IT REVERSED.
Consumer complaint received 2022-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE (GA)

Yes I have a Barclays XXXX XXXX XXXX that I received a little over a week ago and I have had to contact them multiple times a day via calls and chat about them constantly declining my transactions when I have proof that my account has no restrictions and no holds and all transactions will go through I have told them every time that all transactions have been authorized and they still want fix it
Consumer complaint received 2019-03-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TN)

Carrington Mortgage began servicing my mortgage recently, with the first payment being due to them in XX/XX/2019. Firstly, I believe that the payment options Carrington provides to consumers are unacceptable and are being offered with mal-intent. The previous mortgage servicing companies I have dealt with, of which there have been many, were able to offer reasonable, accurate, and no fee payment options that any American consumer would expect to encounter when conducting this type of routine business. It is simply unacceptable to demand a fee to make a simple electronic payment. 

Secondly, I have made payment to Carrington on XX/XX/2019 through my credit union 's bill pay feature. Carrington received my payment, but did not apply the excess payment to my principal balance. Instead, Carrington has applied the excess payment as future regular monthly payments - this is a blatant attempt to collect more interest and is completely at odds with consumer interests. I called to correct the issue, and was told it would be corrected. However, it has not yet been reflected in the records. In addition to this, I was told that if I continue to make my payments in one of the very few fee-free payment options they provide I would have to call in and correct this exact issue every month. Needless to say, that is completely unacceptable. The only other fee-free option provided to me without the hassle of calling in every month does not allow me to make additional principal payments in excess of $ XXXX/month. I am currently attempting to make additional principal payments that exceed this artificial cap put in place by Carrington. I feel that I am being unduly burdened in order to make a simple mortgage payment. I have only encountered this situation with Carrington and no other banks or mortgage servicing companies. Please correct this issue, whereby I can make my mortgage payment with additional principal without unfair burden.
Consumer complaint received 2019-03-03
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: CITIBANK, N.A. (CA)

On XXXX, I received an advertising email from Citi Bank offering me a new Credit Card in their XXXX XXXX AAdvantage program ( see attached Citi_Invitation_Email.PDF ). The biggest bonus is to earn XXXX XXXX XXXX Frequent Flyer mile if I spend {$3000.00} in the first three months of account opening. 

On XX/XX/XXXX I follow the instruction of the email and applied. The application was approved the same day ( see attached Citi_Approval_Email.PDF ). 

Three months went by, I spend more than {$3000.00} with the card and I have not received the XXXX bonus miles. I connected their customer support and filed a dispute. On XX/XX/XXXX they inform me the reason why I have not received the XXXX miles bonus is because Terms and condition state Acquisition Special Offers will not apply if customers have existing accounts in the same product approved or closed within last 24 months. ( see attached Citi_Account_Mail.jpg ). 

It is true that I had a similar card ( already cancelled prior to XXXX but within the last 24 months ). 

My dispute is as follow : 1. Why would Citi Bank send me an invitation to a program that I am not qualify? 
2. Why would Citi Bank approve my application if I am not qualified for the program? I post this question to Citi Bank ; their answer was that my credit qualifies for the card but not the bonus. 
3. Why would Citi Bank not inform me of this problem upon approval?
Consumer complaint received 2022-03-11
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: Experian Information Solutions Inc. (MI)

I previously sent my written request to Experian about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have XXXX get back to me with regards to the issue. Here are the items that concern me : 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 2019-03-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

NOTICE OF FAULT AND OPPORTUNITY TO CURE AND TO CONTEST ACCEPTANCE AND COUNTER-OFFER FOR ACCOUNT SETTLEMENT AND CLOSURE Certified # XXXX XXXX : XXXX c/o XXXX XXXX XXXX XXXX XXXX WI, XXXX Trustee in care of XXXX XXXX XXXX MR. XXXX XXXX, CEO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX RESPONDENT This is a legal notice. Please read it carefully as it means what it says. If you fail to comply with this notice, then you will be deemed to be in agreement to my fee schedule outlined below. Do not ignore it. 

Respondent- NOTICE TO PRINCIPAL IS NOTICE TO AGENT AND NOTICE TO AGENT IS NOTICE TO PRINCIPAL XX/XX/2019 RE : NOTICE OF FAULT AND OPPORTUNITY TO CURE AND TO CONTEST ACCEPTANCE, ACCOUNT # XXXX and # XXXX Dear Mr. XXXX, CEO : On XX/XX/2019, you were sent notice of Conditional acceptance for value for proof of claim upon corporation 's contract, for determination of 'meeting of the mind ', 'Fraud on the Contract ', and/or 'unconscionable contract ', and/or agreement for commercial discharge, Account # XXXX and # XXXX. This notice was sent by Certified Mail # XXXX. You did not respond accordingly. 

You failed to perform after receiving these presentments from XXXX : XXXX, and you failed to perform by providing the requested and necessary PROOFS OF CLAIM after receiving the said Notice mentioned above from the undersigned. 

The time limit has elapsed, constituting acceptance by Respondent / LIBELLEE thereof instead of providing a timely response / rebuttal to the allegations of the Secured Party. An unrebutted Affidavit stands as the judgment in commerce. 
As the Respondent, you are now in fault, and you are in agreement and have stipulated to the terms of the undersigneds dated presentment through your dishonor. You have the right to cure this fault and perform according to said terms within the ten ( 10 ) days from the receipt of this Notice of Fault. Should you fail to cure your fault, I will establish an Affidavit of Default solidifying your agreement and failure to contest acceptance, and I will obtain a CERTIFICATE OF NON-RESPONSE pursuant to and relative to the UCC, state statute, and otherwise.

Thank you for your prompt attention to this matter.

Sincerely, Without Prejudice Authorized Representative XXXX : XXXX
Consumer complaint received 2019-03-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (WI)

NOTICE OF FAULT AND OPPORTUNITY TO CURE AND TO CONTEST ACCEPTANCE AND COUNTER-OFFER FOR ACCOUNT SETTLEMENT AND CLOSURE Certified # XXXX XXXX : XXXX c/o XXXX XXXX XXXX XXXX XXXX, WI, XXXX Trustee in care of XXXX XXXX XXXX MR. XXXX XXXX, CEO RESURGENT CAPITAL SERVICES LP XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX RESPONDENT This is a legal notice. Please read it carefully as it means what it says. If you fail to comply with this notice, then you will be deemed to be in agreement to my fee schedule outlined below. Do not ignore it. 

Respondent- NOTICE TO PRINCIPAL IS NOTICE TO AGENT AND NOTICE TO AGENT IS NOTICE TO PRINCIPAL XX/XX/2019 RE : NOTICE OF FAULT AND OPPORTUNITY TO CURE AND TO CONTEST ACCEPTANCE, ACCOUNT # XXXX and # XXXX Dear Mr. XXXX, CEO : On XX/XX/2019, you were sent notice of Conditional acceptance for value for proof of claim upon corporation 's contract, for determination of 'meeting of the mind ', 'Fraud on the Contract ', and/or 'unconscionable contract ', and/or agreement for commercial discharge, Account # XXXX and # XXXX. This notice was sent by Certified Mail # XXXX. You did not respond accordingly. 

You failed to perform after receiving these presentments from XXXX : XXXX, and you failed to perform by providing the requested and necessary PROOFS OF CLAIM after receiving the said Notice mentioned above from the undersigned. 

The time limit has elapsed, constituting acceptance by Respondent / XXXX thereof instead of providing a timely response / rebuttal to the allegations of the Secured Party. An unrebutted Affidavit stands as the judgment in commerce. 
As the Respondent, you are now in fault, and you are in agreement and have stipulated to the terms of the undersigneds dated presentment through your dishonor. You have the right to cure this fault and perform according to said terms within the ten ( 10 ) days from the receipt of this Notice of Fault. Should you fail to cure your fault, I will establish an Affidavit of Default solidifying your agreement and failure to contest acceptance, and I will obtain a CERTIFICATE OF NON-RESPONSE pursuant to and relative to the UCC, state statute, and otherwise. 

Thank you for your prompt attention to this matter. 

Sincerely, Without Prejudice Authorized Representative XXXX : XXXX
Consumer complaint received 2019-03-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (CA)

I contacted Chase bank on XX/XX/XXXX around XXXX on issues of XXXX XXXX XXXX on authorize debit of {$440.00} out of my Checking Account. 
I signed a agreement online on XX/XX/XXXX on with XXXX Extending the arrears payments of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX n the back of my Auto Loan. 

Regular Periodic payments continuing on XX/XX/XXXX and resuming periodic payments continuing on 4th of each month on time. 
I filed a claim on XX/XX/XXXX at around XXXX with Chase bank Rep on a live cell phone conversation XXXX. 
I respectfully ask Chase Bank not to release the funds to XXXX and keep the funds in my account as I have written a check to pay a my XXXX  XXXX Mastercard bilXXXX of {$200.00}. 

Chase bank release the funds of {$440.00} to XXXX from my checking account ending # XXXX and now my Checking account is overdrawn over {$600.00} dollars. 

On XX/XX/XXXX at around XXXX I went to Chase Bank at Consumer Banking XXXX XXXX XXXX, XXXX, California.XXXX -XXXX. 
I spoke with personal banker Mr.XXXX XXXX.NMLS ID:XXXX. 
I explain to him on the the issues of funds been debited unauthorize by XXXX and he called Chase bank Claim Department. 
I talk to Chase bank claim department and she stated that claim was implemented on XX/XX/XXXX and I told her I had evidence of XXXX issues and Mr.XXXX fax XXXX document on agreement in not debiting the {$440.00} on XX/XX/XXXX out of my checking account. 

A CFPB complaint was filed by me on XX/XX/XXXX against XXXX XXXX XXXX, filed complaint case # XXXX I am XXXX Lifetime and XXXX. 
I only receive California XXXX XXXX XXXX Lifetime Retirement Pension Income only.
Consumer complaint received 2019-03-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America acc # XXXX {$35.00} wrongfully charged on XX/XX/19. 

This was charged as an overdraft. 

I had told XXXX XXXX  to withdraw $ XXXX on XX/XX/19, and to withdraw an additional {$27000.00} on XX/XX/19. XXXX  erroneously withdrew both on XX/XX/19. This caused an overdraft fee with Bank of America.
Consumer complaint received 2019-03-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

Last fall, we purchased a XXXX XXXX XXXX from XXXX   XXXX, XXXX, AL, financing it through Bank of America ( BOA ). Later that fall, we secured financing through XXXX XXXX XXXX and they paid off our BOA car loan. I received a letter from BOA dated XX/XX/XXXX verifying that the loan had been paid " in full as of XX/XX/XXXX ''. The letter also suggested I contact the dealer if I bought optional insurance or ancillary products. I had purchased " gap coverage '' from them, to cover any gap between the value of the XXXX and the amount of the loan, in the event of accident, etc. 
I went to the dealership, confirmed that this was indeed the case and requested a refund. This was in early XX/XX/XXXX. They told me they would be sending the refund to BOA, since that was the last loan holder in their records, and they directed me to contact BOA, later. On XX/XX/XXXX, I contacted BOA ( " XXXX '' ). They had no record of a payment. I went to the dealership and secured proof the check was written XX/XX/XXXX and cashed by BOA on XX/XX/XXXX. On XX/XX/XXXX, I called BOA ( " XXXX '' ) and informed them of this. They still had no record but agreed to research it. I subsequently received a letter ( no letterhead ) stating a payment of {$750.00}, was applied to my account on XX/XX/XXXX. On XX/XX/XXXX, I called BOA and eventually spoke with a supervisor, " XXXX '', who also denied record of payment. I returned to the dealership and, at XXXX 's direction, had them email to the given email address a copy of the canceled check. On XX/XX/XXXX, I called BOA ( " XXXX '' in XXXX 's absence ), and she had no record and could not access XXXX 's work. On XX/XX/XXXX, I called BOA, this time being handed off to " XXXX '', who also had no record of any of this and tried to persuade me that they were owed the refund and had already credited my account for {$750.00}, back in XX/XX/XXXX, and the check for {$740.00}, sent by the dealership was simply covering that credit they had made. I asked for the address at BOA for me to file a complaint, and he eventually gave it to me ( after the third request ).
Consumer complaint received 2024-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER HOLDINGS USA, INC. (PA)

On XX/XX/scrub>XXXX XXXX, 2024, my wife and I were alerted via text that a withdrawal of {$1400.00} was taken from our checking account via the XXXX method. We knew instantly this wasnt authorized by us and was confirmed when we checked the account and saw that the money had been sent to someone we did not know. We were left with around {$11.00} in the account. Having immediately called the bank ( Santander ), the agent informed us that our account had been fully hacked and that they would have to freeze the account so no more money could come out and that we would need to physically go to a branch of the bank to open up a new account. The agent also said this incident would be sent to the fraud department and explained the timelines of when we would get our money back. On XXXX XXXX, 2024, we received a letter in the mail saying that our claim was being denied because there was no explanation of how our banking credentials would have been obtained by the hackers because our credentials were not written or stored anywhere. We dont write down our credentials or share them with anyone because that is not a smart move if we want to try and protect our accounts. Its almost as though the bank is saying to us that we should have shared our credentials with people! 
Bank reference number : XXXX
Consumer complaint received 2019-03-03
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. (FL)

It's fraud the inaccurate 's on my credit report which are the soft inquires the which are due to my XXXX XXXX adult son had applied for loans and credit cards using my social security number associated with my Experian, XXXX, XXXX   credit scores and credit reports my XXXX  XXXX adult son and the XXXX   XXXX hurts his reasoning and he doesn't know that my social security number and credit scores are my own thats why I haven't pursued criminal charges or law enforcement presents in the fraud situation