davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-29
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (NV)

Synchrony Bank issued me a card with a credit limit of {$8000.00} in XXXX of XXXX. There was 12 months of 0 % APR and I made my payments every month. Then in XXXX of XXXX, they decide to reduce my available credit. This was upsetting because it hurt my credit score and I had never missed a payment. They then added a bunch of interest charges and fees to my account as if this was my fault. 

I have tried to contact them numerous times and can not get help from their XXXX and rude and unprofessional staff. I went to live chat, they said I have to call customer service. I call customer service, they tell me I have to be transferred to collections, collections tells me I have to speak to customer service. This went on for hours and nobody helped me. I told them over and over and over and over not to transfer me because they transferred me to them and they didn't care. They just repeated themselves over and over and over again. 

Why would you hire human beings to answer the phone if they aren't going to listen or speak to you?????? It is like talking to brick walls or lazier than brick walls and dumber than brick walls. I have been trying to give you money but you have made it impossible. 

My credit score has dropped XXXX points and I have never missed a payment on any account. Every single credit card I have has done what Synchrony has done. The only reason why I got a credit card was to help my credit. If making payments is only going to destroy my credit, then obviously I'm not going to make any payments. 

Why doesn't the CFPB do something about this because this shouldn't be legal and this is a systematic thing that they are doing. This will cause the entire system to crumble and fall apart. Are you trying to destroy and bankrupt the world????????? What is going on here?????????????????????
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-27
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rent Recovery Solutions (TX)

This debt was originated from XXXX of XXXX XXXX Ga. I co-signed on a lease for my daughter. The lease was up as of XX/XX/year>. I sent an email stating that I would not be renewing the lease and that all financial responsibility would be over in my name. 
I never heard any response from XXXX XXXX. But in XX/XX/year>, all of sudden I go to apply for credit and was denied because It stated I had a collection on my cbr. I contacted XXXX XXXX and spoke to XXXX and she said they had nothing to do with it that the account was sold to rent recovery. 
In the mean time my daughter contacted rent recovery and they directed her to their on line portal and they offered a settlement of 98 % of if she paid in full that day. She took the offer and the debt showed payed in full and a XXXX balance. When I called them today to ask why they are reporting a debt in my name they stated that they could not accept the settlement that they agreed to take from my daughter. They never refunded the payment. 
The debt was settled and they now can not report it as unpaid. Furthermore they can not report it on my credit report because I had no responsibility for the debt after XX/XX/year>.
Consumer complaint received 2024-08-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I am writing to express my deep dissatisfaction with the mortgage lending process I recently experienced with Bank of America which my significant other and I initially started at the beginning of XXXX. The entire process was marked by a lack of transparency, repeated reassurances that were ultimately misleading, and significant delays that caused considerable stress and inconvenience. 

Throughout the application process, my partner and I were continuously reassured by your representatives that everything was proceeding smoothly. However, these reassurances were not reflective of the reality of the situation. Despite being told multiple times that our loan was on track, the closing date was extended three times at the beginning of XXXX. Each extension was presented to us as a minor issue with the HOA, with no clear explanation of the underlying causes or the potential impact on our ability to secure the loan. 

After enduring this prolonged and unclear process, we were ultimately informed that our loan application was declined due to the XXXX. This outcome was both shocking and disheartening, particularly after being led to believe for weeks that our application was progressing without issues. 

This lack of transparency and poor communication throughout the process is unacceptable, especially for a major financial institution like Bank of America. We expected a level of professionalism and clarity that was simply not met. The experience has caused us significant frustration and disrupted our plans, as we are now forced to go through this process again, but with a different lender. 

I was told the appraisal fee would not be reimbursed. We are now in a position where we are forced to pay for multiple appraisals because the new lender will not accept the appraisal from BOA.
Consumer complaint received 2024-08-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (PA)

Transworld Systems Inc # XXXX placed this negative item on my credit reports without notifying me. This is a violation of the early-warning notice clause of FACTA act Section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit reports. I never receive written notification of this alleged debt at my address of XXXX XXXX XXXX, XXXX PA XXXX
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (VA)

Around XX/XX/XXXX, XXXX, TD Retail Card Services reported a 30 days delinquent in the amount of {$9.00} in my XXXX, XXXX credit bureaus. Negative reporting impacted my credit by reducing my credit score down to over XXXX points. 

During XX/XX/XXXX, I made a payment of {$50.00} based on the banks new online portal. The new online portal was down for several weeks and when it was back up, it did not indicate a past due amount nor did it provide a statement that reflected an outstanding balance. 

During the week of XX/XX/XXXX, I notified the company regarding this and was informed that I had to go online and print out a dispute form, fill it out and mail it in which will take up to 30 days for a response. Why was the dispute not accepted by the Representative who should have opened this on my behalf, like other creditors. 

I paid {$100.00} during the week of XX/XX/XXXX to prevent any further issues, but I am requesting the negative reporting on my credit to be removed and a letter of apology from TD Retail Service. I have never had a no negative reporting on my credit report. 

Thank you
Consumer complaint received 2024-02-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (FL)

Writing to file a public formal complaint against Chase Bank for its persistent breach of the corporate veil and negligence in managing our business and personal accounts. For nearly two years, we have continuously informed Chase of their failure to maintain the necessary separation between our business, and our personal finances. Despite our repeated attempts to rectify this issue, Chase has consistently sent communications intended for our business accounts to our personal email address, and vice versa, putting both our business and personal finances at significant risk. This ongoing mishandling of our accounts by Chase has resulted in severe consequences, including the potential exposure of sensitive financial information and the waste of extensive time and resources on our part. We have spent countless weeks attempting to rectify Chase 's errors, diverting crucial attention away from our business operations and personal responsibilities. We urge the CFPB to investigate this matter promptly and take decisive action to hold Chase Bank accountable for its actions. Failure to address these issues promptly could result in further harm to our business and personal finances, as well as undermine trust in the banking system as a whole. We appreciate your attention to this urgent matter and look forward to a swift resolution.

The attached document is just a sample of the ongoing communications with Chase and the continual circle of endless phone calls and lack of resolution.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently reviewed my credit reports from all three major credit bureaus and discovered significant inaccuracies. XXXX has an incorrect Social Security number listed for me, which, upon further investigation, appears to have been incorrect for a long time. TransUnion and XXXX are also reporting inaccurate information, including debts that do not belong to me. 

I have already sent proof of my correct Social Security number, along with evidence that the addresses, phone numbers, and debts reported are incorrect. Despite this, the erroneous information remains on my credit reports. This has adversely affected my XXXX XXXX and has led to denials of credit. 

I urgently need your assistance to rectify these issues and to conduct a thorough investigation. I have also placed an identity theft notice with the IRS. It is critical that all incorrect data be removed from my credit reports and that accurate information is reported promptly. 

If this matter is not resolved swiftly, I will consider seeking legal counsel and pursuing further action against all three credit reporting agencies.
Consumer complaint received 2024-08-27
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Mercury Financial Intermediate LLC (TX)

On XX/XX/year> I contacted mercury mastercard regarding a {$40.00} returned payment fee, on XX/XX/year>, yet the payment was resubmitted and went through. I explained that it does not cost {$40.00} to resubmit a check and the attitude was it is written in the agreement and that whether it does or doesn't cost that much they can get away with it. I explained if that is there stand then all future check payments are only authorized for XXXX time use regardless of outcome.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

I have made multiple attempts to contact these companies listed in the report submitted. I have tried to maintain a healthy credit history but the below have hindered me and many ways. I have been unable to obtain XXXX and student loans.  I have suffered tremendous loss in the last year and this has been one more thing that I have had to deal with. Having accounts opened in my name that are not otherwise mine is very damaging. I need your assistance to rectify this matter.
Consumer complaint received 2024-08-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (TX)

I never signed for that vehicle, XXXX  ex boyfriend used my social security number and sign for me, and he was in charge of that vehicle, you can contact directly the dealership that was in XXXX and i never lived on XXXX. 
I tried to explain that since he was on the credit. 
I want them to stop making me pay
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am filling complaint and request assistance regarding an issue with XXXX XXXX, a collection account that is adversely affecting my credit report. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and intervene on my behalf to have the XXXX XXXX collection account removed from my credit report. I also ask that appropriate action be taken against XXXX XXXX for reporting inaccurate information and potentially violating consumer protection laws.
Consumer complaint received 2023-07-06
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: SYNCHRONY FINANCIAL (FL)

I am writing to you to request the removal of inquiries on my credit report. I have reviewed my credit report recently and have noticed that there are several inquiries that I do not recognize and that were not authorized by me. Below, I detail the information necessary for them to process my dispute request. 

The inquiries in question are the following : XXXX XXXX XXXX  ( XX/XX/2022 ) XXXX XXXXXXXX ( XX/XX/XXXX  ) XXXX XXXX ( XX/XX/2022 ) I am not aware of these inquiries and do not believe they are legitimate. Therefore, I request that they be removed from my credit report as soon as possible. 

I am attaching to this letter a copy of my credit report showing the inquiries I am disputing. I have also highlighted the inquiries in question in the attached copy to facilitate their identification. 

I appreciate your attention to this matter and hope that I can resolve this dispute in my favor. Please let me know if you need more information or documentation from me
Consumer complaint received 2024-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. 
I assume 30 days is a reasonable amount of time for your investigation. After your investigation, please provide me with an updated credit report as well as the names, addresses and telephone numbers of the individuals that have been contacted. 

I insist that you cease reporting these accounts as late on my credit report immediately. Failure to comply with this request may result in legal action being taken against your agency. 
This information is injuring my consumer report and I request that you correct this information immediately. The information I am disputing is as follows : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-08-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

Subject : Notice of Dispute and Pre-Arbitration Demand To Whom it may concern, I am writing to formally dispute the validity of the debt referenced in your recent communications. Additionally, I am notifying you of my intent to proceed with arbitration if this matter is not resolved promptly and satisfactorily. 

It has come to my attention that your agency may be in violation of multiple provisions of the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to : 15 U.S.C. 1692d ( 5 ) : Prohibiting harassment or abuse by causing a telephone to ring repeatedly or continuously with the intent to annoy, abuse, or harass any person at the called number. 
15 U.S.C. 1692e ( 2 ) ( A ) : Prohibiting the false representation of the character, amount, or legal status of any debt. 
15 U.S.C. 1692g : Requiring that within five days after the initial communication with a consumer, a debt collector must send the consumer a written notice containing specific information regarding the debt. 
I am aware that your agency likely acquired this debt for a fraction of its original value, potentially less than a third. Given this, I propose that we resolve this matter under reasonable terms. However, if we can not come to an agreement, I am prepared to initiate arbitration proceedings. Please be aware that the costs associated with arbitration, as well as the potential statutory damages for your FDCPA violations, will far exceed the amount you have invested in acquiring this debt. 

To avoid unnecessary legal action, I demand that you cease any collection activities and engage in good-faith negotiations to resolve this dispute. Failure to do so will result in the initiation of arbitration proceedings, and I will seek full recovery of costs, including those associated with your violations of federal law. 

Additionally, I request that a high-ranking official within your company review this dispute and personally sign any response. This signature will serve as a confirmation that the information provided is a true and sworn statement of your companys position regarding this matter. 

I expect your prompt response within 30 days of receiving this notice. If I do not receive a satisfactory response, I will proceed with arbitration. 

Sincerely,
Consumer complaint received 2024-08-22
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (NY)

Sephora credit card was mailing me monthly statements every month than they stoped and put me on paperless bills without of my knowledge. I ended up missing paying the bill, because I expected it to be mailed as a result they charged me {$30.00} late fee. After contacting them they did not remove all of it just half. In addition they advertised if you make 5 transaction they will send you {$20.00} gift certificate to spend at sephora which I never received.
Consumer complaint received 2024-05-15
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. (IL)

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.

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 2024-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NM)

While buying an airline ticket on XXXX, I was served up an ad for the Citibank AAdvantage card associated to my AA Advantage account. The ad clearly indicated that I could use the card to buy my airline ticket right then. I chose to do it because I could get additional perks as a cardholder. I clicked the ad, completed the application and was approved within minutes. Once I was approved, I landed on a confirmation landing page with no way to apply my newfound credit card to my purchase at XXXX. I went to the email I received but nothing there either. I tried to call Citi but was stuck in the call tree for XXXX minutes and the only information I got was confirmation that the account was active and that my cards would arrive in the mail in XXXX days. Meanwhile, my reservation page at XXXX timed out. I thought maybe I could use the last XXXX of my new account number ( which is all I had in the email ) to create a login on the website, only to be disappointed when it told me that in order to set up online access I had to have the full account number, expiration date and CVV. I tried accessing customer service via the chat function only to be told by " XXXX '' that there is a XXXX minute window to get a temporary card number to use and that time had expired so I had no option but to wait until the physical card arrived. This XXXX day period is NOT what was advertised in the ad that clearly said " XXXX XXXX. '' The ad was misleading and Citi was zero help in finding a resolution. I ended up using a different credit card and called XXXX XXXX to see if there was any way to add my new AA credit card to my profile so I could get the benefits advertised, but was told there was nothing they could do if the ticket wasn't purchased with that card, there were no benefits. 
I feel misled into applying for this credit card and found no resolution with the Citi customer service outlets. I understand protecting customers from fraud, but I simply called to ask for a path to generate a XXXX time virtual card to use for an online purchase ( a common CC practice these days ) but was told I'd have to be able to login before I could generate XXXX of those. I am caught in a never-ending cycle of the chicken and the egg. The ad was false and the customer service scripts are designed to leave the customer in the lurch. I would not have applied for this card unless I thought I would get the advertised benefits, and I feel tricked into applying for the card.
Consumer complaint received 2024-08-20
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BMW Financial Services NA, LLC (NJ)

Dear CFPD : BMW finance reported my account 30 days past due to the major credit agencies.This took place while I was making my payments by mail and BMW finance did not receive the payment at all. Despite my efforts to resolve the issue, BMW Finance didnt investigate the root cause.The rep just provided documentation how to dispute the charges using a by mail process to reach out to the credit agencies. 

I need BMW finance to consider this dispute and grant my petition to have the account report updated as no being late. I am a new customer who has not missed any payments since the loan was stablished and the account is current.