davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I received a copy of my credit report and I have noticed that fed loan servicing, and dept of ed/navient is still reporting on my credit report. XXXX has deleted these accounts It is your responsibility to report accurate information on my credit report. Therefore, I am requesting that you delete the following accounts immediately. These items must be removed from my account to show my true and accurate credit history! In pursuant to the Fair credit reporting act. I expect you to delete these account within the next 30 days, or I will submit this to my local attorneys general office and the FTC! I have attached proof of deletions.
Consumer complaint received 2017-11-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (NY)

I am writing because there was a mistake made on my account. My debit card was stolen and I reported the unauthorized transactions to XXXX XXXX XXXX. There was a unauthorized transaction made of XXXX on my bank account and my XXXX XXXX payment was XXXX dollars as well. The Fraud specialist must have accidently returned my XXXX XXXX payment and my account became delinquent. I was unaware that the payment was past due and did not make a payment until the following due date of the next payment and a 30 day late payment was reported by XXXX XXXX XXXX XXXX. There was a misunderstanding when the payment was returned. I am asking if the 30 day late could be removed because my debit card was stolen and the payment should not have been returned. Only the XXXX of the unauthorized purchase should have been returned. I have all of the photos to prove my case. I do not want this accidently returned payment to affect my XXXX XXXX for 7 years to come. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX SSN # XXXX account number ending in XXXX
Consumer complaint received 2024-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (MO)

I received a letter from Chase Card Services on XX/XX/year> regarding a XXXX balance due on a Credit Card. The letter was a settlement option, in which, I immediately called the number provided in the collection letter. I explained how this card/account is not mine, we talked, I answered some of their security questions and then they stated how this opened account seems to, in fact, be fraudulent. They said since it is deemed fraudulent they would turn it over to their fraud department, I let it go at that time. In the meantime, I had found out that the JPMCB account has now turned into a charge off on all 3 credit bureaus. I then disputed the JPMCB account to all 3 credit bureaus. When all 3 credit bureau reporting agencies stated that the NOW " charge off '' was " verified '' by JPMCB. I contacted JPMCB on XXXX the XXXX 2024 to find out this status of the fraudulent account, in which, they had no answer. As of today, XXXX XXXX, 2024 I was informed that the XXXX will not be removed from my credit report and will show as a " charge off ''. 
How can you please help me get this fraudulent charge off my credit report and ensure my FCRA are being upheld. 

Can you please help me ensure my FCRA are protected.
Consumer complaint received 2017-12-01
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: SYNCHRONY FINANCIAL (AZ)

Signed up the XXXX XXXX Credit Card issued by Synchrony Bank. The signup offer listed XXXX points after {$3000.00} spent in the first 90 days. I have since completed the required spend on the card but have only received XXXX points instead of the XXXX listed.
Consumer complaint received 2017-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I contacted Transunion regarding a XX/XX/XXXX bankruptcy chp XXXX. I informed them that this was not my information. I had a chp XXXX that was removed in XX/XX/XXXX the chp XXXX is now reporting as verified. I contacted the court house and they did not provide this documentation. They did find a chp XXXX in the I formation. I have challenged this information 4 times this year. Information is fraudulent and must be removed. Also Transunion reps refuse to remove information they have not researched.
Consumer complaint received 2019-03-29
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. (GA)

I was advised to contact this agency about items on my credit that are not mine. XXXX, XXXX AND XXXX. I have contacted the FTC and my local police. There are also inquiries on my report that e.re not mines.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. I am doing this on my own behalf.
Consumer complaint received 2017-11-27
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: Exeter Finance, LLC. (IL)

On XXXX XXXX, 2017 I went into XXXX XXXX XXXX with my pre-approval letter from XXXX to test drive a XXXX XXXX. The manager XXXX XXXX requested credit report with out my knowledge and consent. Because of this my credit was ran resulting XXXX Unauthorized inquiries. The next day I went back to the dealership asking for his supervisor. XXXX XXXX the General manager asked me to explain what happened and as a result typed up a letter on the companies letter head to all the Financial companies and credit reporting agencies requesting that they remove the inquiries on behalf of XXXX XXXX XXXX. Unfortunately, as of today NONE have been removed. Since then, I 've called, faxed, sent certified letters that XXXX XXXX drafted to each company as well as the credit bureau asking that that they be removed. Nothing has been removed a year later. I 'm in the process of purchasing my first home and these XXXX inquires are hurting my credit worthiness and credit scorXXXX. The company is requesting that they be removed and now I 'm asking that they be removed!!
Consumer complaint received 2015-05-12
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: Onity Group Inc. (CA)

I leased auto from GMAC back in XXXX for about XXXX year lease. I lost my job and was unable to continue making payments. GMAC took me to court and repossessed the vehicle. They are continuing to report this account after the passed XXXX year limitation. They seem to modify the date of this account to prolong this account as active. If you look at the account they have not updated this account until I made contact with them for status of this account. The are still operating under the name of GMAC when in actuality they are now XXXX Bank which is deceiving within itself as a corporation.
Consumer complaint received 2015-05-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HW Holding, Inc (NV)

Sometime in XX/XX/XXXX or XX/XX/XXXX I rented an apartment for my Uncle XXXX. After 2 months the apartment was broken into through the sliding glass doors. After only another 30 days XXXX 3 months into the rental agreement XXXX the apartment was broken into again and this time the XXXX busted in through the front door. After speaking with the police and the property manager, the property manager agreed to release me from the lease without any penalty and I signed a paper stating this fact and went about my business. I recently discovered an account for over {$4000.00} on my credit report for this. After contacting XXXX about this directly they told me that I had not paid the bill due to my having child support issues. Well, I have no children and no child support, so I am not sure if they have the wrong person or what is going on with this account. However, I know that I do not owe a bill to XXXX or any collection agency collecting on behalf of this company.
Consumer complaint received 2017-11-30
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. (FL)

Despite my three written request, the unproven noncompliant account listed as XXXX XXXX XXXX still remains on my credit report with Experian in violation of the Federal Law.  This account has been deleted by XXXX and XXXX. In the result of your re-investigations, you stated in writing that you " verified '' that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them? Due to their continued willful disregard of the law. I intend to pursue litigation in accordance with the FCRA to seek relief and recover monetary damages that I may be entitled to under Section 616 and Section 617 If the noncompliant, unproven, unverified account is not deleted within 10days. I have filed a complaint with the Attorney generals office. A copy of this complaint and all three certified letters that I have sent your company will be submitted as evidence in the pending litigation provided that you fail to comply with this offer for settlement. The law is very clear as to the civil liability and the rememdy available to me Section 616 and 617 ) if you fail to comply with the Federal Law. please deleted this account Immediately!
Consumer complaint received 2016-07-19
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

XXXX has fraudulently continued to service a mortgage loan and they were supposed to cease all mortgage activity in XXXX XXXX, but XXXX XXXX my title was changed out of my name into XXXX and XXXX without my knowledge and on XXXX/XXXX/XXXX the title was vacated and was supposed to be changed back in my name and it is still not in my name name. I should have my home free and clear and my title free and clear.
Consumer complaint received 2017-11-28
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: John C. Heath, Attorney at Law, PLLC (MI)

This evening, XX/XX/XXXX, my son received a message on his phone for my XXXX son stating that my XXXX son was being summoned to court, and he needed to call the number that was given. I called the number back myself because I represent my son whenever possible because he is XXXX unable to represent himself in most cases. The person answering the phone said his name was XXXX and he represented XXXX XXXX. He told me that my son was being summoned to court for a debt from XXXX XXXX XXXX in XXXX for a bill in XXXX. I tried to explain to him that my son is XXXX and that he was covered under XXXX and XXXX for the time in question. He argued with me and said I was wrong. I told him we had been at XXXX XXXX for many XXXX, XXXX or more and that I know there was a mistake because there are no other bills. He continued to be rude saying I would be made a fool of in court, and told me that I must be the reason my son is XXXX. I hung up the phone at that point but told him I would be reporting him.
Consumer complaint received 2017-11-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I have a Citizens Bank Home Equityline of credit tied to a conventional checking account. Payments to the Equity line are automatically deducted from the checking account monthly. In XXXX of 2017 I overdrew the checking account with the automatic payment on XXXX XXXX. On XXXX XXXX I transferred {$5000.00} to the checking account. I assumed that money would go to pay the overdraft. However what I did n't know was that a separate account had been set up without my knowledge and that the money did not go to pay that ( see attachment 1 and 2 ). I have been charged % 18 interest on that balance {$380.00} which I was n't aware of. I realize that when I opened the home equity line I signed an agreement that Citizen 's could set up this account but obviously I had no idea that the account would not be paid off when the balance on the checking account was several thousand dollars. I found out today that the only way to close this " overdraft account '' was to personally go to the bank branch and request it in person. My total interest charges are not large, {$45.00} but the principle is important. I believe that setting up shadow accounts at the time of overdraft and not closing them when the balance is positive is predatory and deceptive
Consumer complaint received 2017-11-30
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (MD)

I received a letter from Wells Fargo indicating that they failed to update my credit report following a 2014 Loan Modification. Im concerned that I may have suffered paying higher interest rates for purchases ie. two cars since then based on this information. Have you seen this happening to other WF customers?
Consumer complaint received 2017-11-28
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. (MN)

My name is XXXX XXXX XXXX did try everything that I can thru Experian and they are not providing any documents. While other credit bureaus they corrected. the despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified I 'm sincerely requesting a copy of ANY original documentation if not please promptly DELETE all information which can not be verified I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX  Unverified Account Account Name XXXX XXXX Provide Physical Verification Account NumberXXXX Unverified Account
Consumer complaint received 2017-11-28
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. (PA)

XX/XX/XXXX I called Equifax advising them that there was fraudulent activity possibly on my avcvoubt due to numerous multiple inquire that I did not authorize nor was aware of. They investigated and advised that there were some that the verified with the companies but would not give me any information. When I tried calling several companies listed they suggests that I called Equifax again because there was no investigation nor disputed. One company being XXXX/XXXX XXXX XXXX and one being XXXX XXXX. On XX/XX/XXXX I called and tried to investigate them again. I was told that the investigation was initiated and since there was a fraud alert on my account the fraud department would be handling the investigation. I called back XX/XX/XXXX to check the status of My disputes and was advised that hard inquires are not able to be removed. After explaining to him my conversation with a representative that prior week, he still said there was nothing I could do. I then spoke with a supervisor who advised me the same thing and suggested there was nothing I can do to have these inquires removed.
Consumer complaint received 2017-12-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Penn Credit Corporation (FL)

This was for a online class at XXXX XXXX University. I was unable to complete the class and with drew from same, The teacher I emailed with said dont worry about it, he will take care of it. Years later he no longer works there and the school refuses to honor it. All attempts to clear this up with the school and debt collector failed and they didnt care, just want the money. 

Well I noticed that i appeared on my credit bureau and in XX/XX/XXXX, so i disputed it. The credit bureau XXXX XXXX  removed it on XX/XX/XXXX. Well it happen to appear again. I have had no notification from Penn Credit that they were gon na be putting it back on my bureau, whihc as you know is a violation of the FCRA. On the XXXX report it was also removed but again reappeared.
Consumer complaint received 2017-11-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (MI)

This debt, I believe goes back to XX/XX/XXXXor XXXX. The debt is a phone bill from XXXX XXXX. They lied, mislead, me on a promotion with regards to internet, which was just starting to really take off. I think it was 1 or 2 months bill plus ETF. The details are a little foggy, it was close to 20 years ago. I think the statue of limitations may have expired. XXXX XXXX merged with XXXX XXXX XXXX in XX/XX/XXXXand it 's public knowledge that they receive a lot of complaints about their misrepresentation of products.
Consumer complaint received 2017-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Complaint was filed with Consumer Financial Protection Bureau on XX/XX/2017. XXXX could not be sent complaint, turned over to goverment agency. XXXX XXXX responded that they are ceasing collection activity on this account. 
CFPB Complaint # XXXX
Consumer complaint received 2017-01-17
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A. (GA)

Citibank Promotional Accounts Citibank provides credit cards for Sears, Home Depot probably many others. The Credit cards issued by Citibank can be store cards, that can be used only at the merchant only or a XXXX or XXXX that can be used everywhere. As part of the credit services, promotional accounts, i.e., " same as cash accounts '' is also provided. 
My understanding is that if a consumer has a promotional account and other charges on the credit card, consumer payments in excess of the minimum payment must be applied to the promotional balance first until it is paid off according to Federal Regulations. Citibank does not apply the excess amount to promotional accounts. Instead, Citibank uses some type of a hierarchy. 
If you cal them, they will tell you that the consumer can request the excess of minimum payment to apply to the promotional balance. 
Unless the consumer is aware, the consumer is going to get slapped with the high interest accrued towards the promotional balance. 
Citibank does not to disclose the consumer how they apply the excess of the minimum payment. 
In my case, I would have incurred an addition {$600.00} all the while I was making payments in excess of the minimum to pay off my promotional balance. When I called the Customer Service today XXXX XXXX/XXXX/17 XXXX, the representative told me about the convoluted hierarchy, which I do not understand. When I informed them that they are in violation of the Federal Law regarding credit card payment, the representative retroactively allocated my excess payments to the promotional balance and my promotional balance is paid off.
Consumer complaint received 2017-12-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: BBVA FINANCIAL CORPORATION (CA)

In XX/XX/XXXX, I saw an advertisement for BBVA Clearspend prepaid debit card. The ad promised a {$25.00} bonus credit if I opened the account between XX/XX/XXXX and XX/XX/XXXX and loaded {$100.00} on the card prior to XX/XX/XXXX. I opened the account XX/XX/XXXX and loaded {$100.00} on it on XX/XX/XXXX via a bank transfer from XXXX XXXX. The details indicated I would have the {$25.00} credit loaded on the card with 8 weeks. Starting in early XX/XX/XXXX, I called the support number listed on the website which is only number they provide - XXXX ( XXXX ) XXXX. I called three times and each time the representative agreed I was entitled to the bonus and they said they would send the request on to the appropriate unit within their organization. I do n't have the exact dates however they were approximately once every 30 days after the first call in XX/XX/XXXX. After the calls did not result in the {$25.00} credit, I mailed 2 letters, one on XX/XX/XXXX and one on XX/XX/XXXX, to the only address I could find for them which was the return address on a piece of mail sent from them regarding privacy. The address was XXXX XXXX XXXX XXXX, AL XXXX. They do not provide any mailing address on their website contact page ( https : //clearspend.bbvacompass.com/XXXX ). In the letters, I again requested that they credit me with the {$25.00} and I provided all the card information they would need. I received no response.