davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK (AL)

I have several outstanding 0 % promotional balances with Discover Card, they sent me an offer for a 3.99 % offer that lasts for 15 months. When I made a payment to pay off a 0 % balance transfer that was expiring they applied the payment to the 3.99 % balance transfer instead of the the expiring 0 % offer and converted the expiring 0 % balance to a puchase which they charged 14.99 % interest on. When I spoke with them they stated it is in the terms and conditions and it was spelled out in the balance transfer offer on how payments are applied and they would not change anything. I asked which section of the terms and the conditions it was spelled out and the representative said he did not know. He finally agreed to mail me a copy of the terms and conditions. He refused to provide it electronically even though that is how I accepted the offer. This balance transfer offer was misleading and deceptive in that it was not clear that accepting a low interest balance transfer was going to cause a balance to convert to a purchase and incur higher interest rates
Consumer complaint received 2020-05-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

I was on a payment plan to catch up on mortgage from XX/XX/XXXX to XX/XX/XXXX. I made all payments as scheduled. ShellPoint Mortgage Servicing then sent statement on XX/XX/XXXX that identified a late payment needed to bring account current. I called ShellPoint to find out what the issue was, I had all my Credit Union statements showing each payment processed, where I processed every payment on ShellPoint Mortgage 's web site payment system. My CSR, XXXX XXXX, researched the issue and said it was corrected. On my XX/XX/XXXX statement an overdue payment was still showing. I tried several times to contact ShellPoint and they are not returning calls or emails I have sent.

I will continue to try and get a response to my issue. I need assistance from CFPB to help facilitate my issue being resolved. In addition, after reviewing many of my statements from ShellPoint Mortgage Servicing, since servicing was transferred from XXXX  XXXX XXXX, I see several transactions I do not understand and are confusing. If possible, can someone help in auditing my mortgage servicing to identify possible additional fraudulent servicing issues.
Consumer complaint received 2020-05-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I disputed Portfolio Recovery with the credit bureaus and sent them the verification that they sent me, which was not a signed contract. The bureaus keep saying the collection meets FCRA requirements but how is that when I have NO CONTACT WITH THIS COMPANY. The sent me a billing statement but no contract.
Consumer complaint received 2021-08-18
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I recently sent disputes letters to Equifax, and XXXX on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.
Consumer complaint received 2018-01-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Global Credit & Collection Corporation (DE)

This Debt is in Valid since it was a result of Fraud # XXXX {$740.00} XXXX XXXX XXXX   acct # XXXX i dispute the validity of this debt as fraud as i did when creditor was notified of fraud years ago. Cease and desist all collections and remove delete my name from all collection files by Global Credit Collection Corp.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-05-07
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC. (AZ)

XX/XX/2020 I currently reside in XXXX, AZ and my phone has an XXXX XXXX prefix. My mailing billing address is in Georgia. On more than one occasion Ive told Ally Financial my living arrangements and medical condition. I continue to receive calls at inappropriate and inconvenient time. Today at XXXX PST ( XXXX EST ) I  received a call from ( XXXX ) XXXX and at XXXX PST another from ( XXXX ) XXXX ( XXXX EST ). On the second called the agent could barely pronounce the name correctly, and when asked who this was she went right into the call is being monitored and record ... I advised the agent the in the spanned of four hours youre making my phone ring multiple times in a day after a voicemail was just recently left. The agent said the account is in collection and they can call as many times as they needed. I told the agent to shut her mouth, she can not make my phone ring Unnecessarily. I also advised the agent the call was at an inconvenient time and she still wanted to proceed with the call. I told the agent to shut her mouth again, the agent said sir your a grown man dont talk to me like that, Ill just call your family. I believe the agent name was XXXX or XXXX. I also recently made a payment on the account on XX/XX/2020 2020
Consumer complaint received 2021-08-17
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: EQUIFAX, INC. (IL)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2020-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

ALL " CRA '' CONTINUE TO REPORT OUTDATED AND INCORRECT DATA OF ACCOUNTS NOT MINES/ NEVER DONE BUSINESS WITH COMPANY " XXXX XXXX XXXX '', XXXX XXXX AND UNAUTHORIZED INQUIRIES
Consumer complaint received 2021-08-16
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. (GA)

The credit bureaus continue to report inaccurate information on my consumer report even after I told them the information was unauthorized and let them know i was a victim of identify theft. I have complained to the creditors regarding this matter as well and they informed they let the bureaus know that the inquires on my consumer report are unauthorized but the bureaus assert that they are verified. How can the bureaus verify something that has been deemed unauthorized. I do not believe a through investigation was done. These unauthorized inquires are stopping me from obtaining credit in my name and destroying my reputation as a consumer. 

15 U.S. Code 1681 b - Permissible purposes of consumer reports ( A ) In General Subject to subsection ( c ), any consumer reporting agency, may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

In my first letter to your company, I advised you that I did not give these companies authorization to pull my credit report, but yet you have verified it. How is it possible for you to verify something that I did not approve? Did you call them up and asked if I gave them permission?
Consumer complaint received 2021-08-16
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: MOHELA (CA)

Hi my name is XXXX XXXX I was attending XXXX XXXX XXXX I found out about this school because coming out of the county building once day they lied to me told me to sign this and to say this I never known how hard it will make things later on for me I told them I did not want a loan because I would be able to take on the responsibility I was homeless at the time I had no one to guide me to be honest I didn't even know what I was doing I don't even remember signing paper work I've have been trying to dispute this for year I'm now in debt XXXX dollar for money I never send not even complete the program when I call the school they always say they will call me back but never do I just don't know what to do anymore all they tell me is that I can come back and go to school their but they lied to me they told me I didn't have to pay anything back as long as I made good grades which I made straight As and I didn't sign anything I know of and the information that is listed on my paperwork is false
Consumer complaint received 2023-11-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. After reviewing my personal credit report, I have identified several inconsistencies that have a significant impact on my financial standing, particularly my chances of owning a home. Understanding that errors can occur, I have researched the dispute process and acknowledge the required investigation timeframe of XXXX days. I would like to bring to your attention the following errors : XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. XXXX has already removed these accounts from their records, citing the identification of an error. I am puzzled as to how these accounts were verified by your bureau while other bureaus have successfully removed them. I request the immediate deletion of these accounts from my file as they are inaccurate, erroneous, incomplete, or unverifiable.
Consumer complaint received 2021-08-17
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (FL)

On XX/XX/XXXX, I opened both a CitiBank Savings and Checking account funding them with a combined amount of {$15000.00} to qualify for a {$300.00} bonus. Service fee to be waived as long as I kept {$10000.00} in my combined accounts. For the past 5 1/2 months I made no deposits nor withdrawals from these accounts. Yet, Citibank took an unauthorized service fee from me in XXXX, which I called about, and they returned the money without explaining why it was taken given I maintained my balance above the amount which would waive fees. However, being concerned that this unauthorized fee grab may have caused me not to be eligible for the promotion anymore ( ie. My balances technically dipped below the {$15000.00} ), I called Citibank and they confirmed that I was qualified and that a {$300.00} credit would appear within my qualified date which was 60 days ( XX/XX/XXXX ) after I opened the accounts on XX/XX/XXXX. When 90 days came and went ( XX/XX/XXXX ), I called Citibank and was told now that the money would appear within the next 30 days AND the amount would be {$250.00}, not {$300.00}. I objected to this and the Citibank rep insisted that I was wrong. After reading other bank customer complaints on these same issues, I feel it is important that CFPB investigate what appears to be a pattern and practice of Bonus Offer fraud by this major bank.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION (GA)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2020-05-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (IA)

I have been receiving calls & voicemails from a debt collection agency, HunterWarfield, XXXX, XXXX, XXXX, since XX/XX/2020, daily, for a debt apparently owed by my daughter, that I have no responsibilities for, e.g. : I have never cosigned a loan for her. I also sent complaint to the Iowa Attorney General a week ago, but at the time I did not know why they were calling me. Earlier this week they left voice mail asking for my daughter. I will not answer their calls or contact them as the research on this company indicates they use bullying, threatening, and scammy techniques.
Consumer complaint received 2020-05-08
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

I used Experian Premier Membership until XX/XX/ 2019. At that time I canceled my membership with Experian. However, they have continued to bill my debit card each and every month since I canceled and have not refunded the overcharges. They have billed my debit card XXXX every month ( XXXX, XXXX, XXXX, XXXX, and XXXX ). They have claimed they can't find my membership since I canceled. The membership is under my email ( XXXX ). The membership number is XXXX. I can still log on to the free service so I am not sure why Experian is unable to find this.
Consumer complaint received 2020-05-07
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: Colony Brands, Inc. (VA)

I have contacted ALL 3 Credit bureaus on the following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of 2020. I have contacted them about a particular account XXXX XXXX account # XXXX. The other 2 credit bureaus XXXX  and XXXX  I explained to them that I'm a victim of identity theft they request proof from the creditor and they found that the account did not belong to me and they have deleted. XXXX  claims they receive proof that the account belongs to me and refuse to remove the item from my credit file. So now another company called XXXX XXXX account # XXXX that's reporting the same item on my credit file and they refuse to delete it. They are reporting it as a charge off. 

On XX/XX/2020 I sent another certified letter also letting XXXX   know that XXXX  and XXXX  deleted the item. I was told by a rep that the other credit bureaus had nothing to do with them and the item will remain on my credit report with XXXX.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I am writing to express my deep concern about the disputed accounts on my credit report. Despite my persistent efforts to address these inaccuracies and my repeated requests for thorough investigations, I have yet to see any resolution or corrective action. 

These erroneous accounts are causing substantial damage to my credit file and severely impacting my ability to lead a normal life. The effects of these errors have created significant hardships, leading me to urgently request your assistance in resolving this matter as quickly as possible. 

I respectfully ask for a comprehensive investigation into the reporting of each disputed account. It is crucial that immediate action is taken to update and correct my credit report without further delay. Your support in restoring the accuracy and integrity of my credit file is vital for me to regain control of my financial stability. 

I urge you to treat this issue as a priority and take swift action. Your prompt cooperation in addressing this matter would be greatly appreciated. 

Thank you for your attention and assistance.
Consumer complaint received 2020-05-07
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. (GA)

Equifax is reporting incorrectly that I am ( 60-120 ) days late on the XXXX partial account numbers XXXX ; XXXX ; XXXX ; and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$XXXX} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and these line item need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense XXXX  this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX XXXX this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-08-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (TX)

" FIRST NOTICE FOR AFFIDAVIT OF DEBT DENIAL. '' Fact, I so invoke nunc pro tunc, specified remedy under 15 U.S. Code 1692 ( c ) ( 2 ) and declare that the natural person, consumer in fact, original creditor, and I furthermore appoint XXXX XXXX XXXX of Penn Credit Corporation to quash all alleged, indirect, unverified debt, and set off, charge off and charge back all verified debt by herein extension of credit, so be it. 
15 U.S. Code 1692c ( a ) Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

This company is in violation and performing an infringement upon a consumer 's right to privacy.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Recently i looked at a copy of my credit report and noticed several inaccuracies on my account. this account is hurling my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy. here is the item i am asking you to verify as accurate. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2021-08-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (AZ)

XX/XX/XXXX org amount {$7000.00} XX/XX/XXXX new amount {$10000.00} Contacted IQ Data International XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX -- XXXX. 
XXXX XXXX XXXXXXXX AZ Ask for medical release due to emergency XXXX XXXX