davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-04
Product: Credit card — 
Issue: Rewards — 
Company: ZIONS BANCORPORATION (CO)

In XX/XX/2016, XXXX had an offer for a new business credit card, the XXXX. The bank solicited me to apply for this card to replace an existing card I had with them. Part of the promotion was I would receive a {$250.00} cash back bonus if I spent {$2500.00} within the first 90 days of the issuance of the card. I did that. No bonus has been paid despite numerous attempts at contacting bank personnel. 

Today, I did receive and email denying that I was entitled to this payment based on a clause in the offer. The denial is in error. I NEVER receive any prior bonus on any Vectra account and believe that the bank personnel intentionally misled me when I applied for this card. I was never told this only applied to new accounts as the bank representative encouraged me to replace my existing card with them, i.e. she knew I had an existing credit card. She insisted I would receive the cash back if I followed the offer specifications. Clearly this was fraudulent behavior on the part of the bank staff.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Applied for loan on XX/XX/2023 but was unaware that the inquiry didnt accompany approval because I was already approved for XXXX post submitting ssn but was left pending for docs that werent specified beforehand so i contacted supervisor XXXX and said Id like to rescind my application if I can have it sent over with the necessary rescission disclosures as non were provided nor discussed at time of applying. I will be notifying the IRS for tax purposes upon the event that the application can not be returned to the beneficial owner of all titles, rights, and interest that came as profit out of the transaction in the form of credits or federal reserve notes I demand it all returned as it is unearned interest due back to the principal IMMEDIATELY. I have proof that a transaction occurred per my consumer report so I will also be forwarding this correspondence to the CFPB, FTC, and SEC in the event we can not reach an amicable resolution. I only Will correspond via email or us postal service certified mail when addressing this matter so that I have record of me coming with clean hands and in good faith in the even of your company defaulting or acquiescing. Application can be mailed to XXXX XXXX XXXX XXXX XXXX  XXXX XXXX if no application arrives within ( 5 ) days you tacitly agree to a near future lawsuit as me being the awarded plaintiff for whatever damages the law provides as well as an and out of court separate settlement due immediately in the amount on the face of the instrument times 3 in the form of a wire transfer. And the company that ran my report was not the company that I was in negotiations with and they forwarded over all of my property which 15 usc 1681 states the consumer has the right to privacy. Informed supervisor XXXX that all correspondence will be forwarded to the proper authorities for paper trail to legal actions because now it has become theft because they wont return the property or return the proceeds from The transaction per 12 usc 412. No lawful consideration was performed on behalf of speedy cash which tried to convince me that my application was still in review after my credit was already strong-armed and secured.
Consumer complaint received 2023-12-15
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: TransferWise Ltd (CA)

Wise was meant to refund me {$15000.00} on XX/XX/2023, yet they deposited {$14000.00} on XX/XX/2023 via a wire transfer from XXXX XXXX. I sent XXXX emails asking for a bank statement reflecting the {$15000.00} deposit. Their response cited a {$50.00} deduction by my bank as a refund fee. However, after confirming with XXXX, they clarified that no fee was charged for receiving the wire transfer. Wise did not prove that they deposited the XXXX.
Consumer complaint received 2023-12-15
Product: Vehicle loan or lease — Lease
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: HGREG.com (FL)

I bought a XXXX XXXX vehicle on XX/XX/XXXX, which had problems on the fourth day after purchase. They made me sign the contract without explaining anything to me about what was in it. Their justification was that everything was for my credit approval. On XX/XX/XXXX, the vehicle was requested to be repaired on the XXXX day since it had overheating problems and an hgreg Manager told me that he would repair it for free since it was within the warranty period, at that time it was declared that the vehicle would be repaired for free since it was within the 5 days in which I could request a full refund of my money, they told me that the vehicle could be repaired that Friday, so on Monday they would contact me. They called me on Monday telling me that they would send me an address to go and leave the vehicle since it had overheating problems, I waited all day and that address never came, it happened on Tuesday and that's why I called again on Wednesday and just At that moment they gave me the address over the phone, on Thursday I couldn't take it and on Friday, XX/XX/XXXX, I called them because when I started the vehicle it still had the fault and I told them that it needs a tow truck, which they sent it to me on Monday. XX/XX/XXXX, since then I have never seen the car again until today, they told me that the only fault it had was the water pump that the vehicle would be repaired by XX/XX/XXXX, on the XXXX I They say that the vehicle had a failure in the head gasket that they requested and it would arrive on the XXXX, in that process I requested by email via text and call the return of my money since I did not want the vehicle that failed on the XXXX day of purchased, they do not give me a response and I go to the scene on XX/XX/XXXX to tell them that I do not want the vehicle, we cancel the contract and they tell me that the engine is damaged and that they are not going to be responsible for the repair, something that was never reported on. I believe that they damaged the engine while making the changes and since I asked for the refund they did that damage on purpose. I have a camera outside the house that shows that the vehicle was stopped. I assume that they did the damage when they changed the gasket. cylinder head, they damaged the car since engine failure was never reported until I personally went to hgreg they want to blame me for the inefficiency of their mechanics making me spend more money, they never told me anything about the extended warranty, they never changed the car 's oil, they postponed everything, I have more statements from people to whom they did the same thing and we are managing a class action lawsuit in addition to taking this to the media.
Consumer complaint received 2023-11-14
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: PNC Bank N.A. (MA)

I received a letter from PNC Bank today, XX/XX/XXXX, stating " Here 's your NEW Prepaid Card! NOTE : your ACCOUNT ACCESS CODE is the last XXXX digits of your Social Security Number. USE the ACCOUNT ACCESS CODE to activate your card and obtain account information. Who sent this to me? I never asked for it. Somewhere later in the XXXX pages of information in the mail I received it said to call with the last XXXX digits of my SS number and the number on the XXXX Debit card which is XXXX XXXX XXXX XXXX with text " good XXXX XX/XX/XXXX and XXXX XXXX '' There was no information about me when I entered these XXXX items, ss and card numbers. So is this all just a scam to get more personal data on me by making me visit www.prepaidcard.com, giving my personal information, getting a pin in response. SCAM! Who gave me a prepaid card? How much is on the card, something or nothing, How can I tell without going through the entire process of activating a card I never asked for and do not want! Another text on one of the pages said to complain to CFPB and gave the web address as cfpb.gov/complaint BUT do a google search for the Consumer Finance and web address is not XXXX but XXXX  leading to more confusion and disbelief. Automatic voice response when you call the telephone nuber PNC Bank supplies in the letter and it talks about consumerfinance.gov Why 2 different web addresses?
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (CA)

Sometime in XXXX XXXX XXXX someone opened up a business credit card for my company using my partner and I 's name. 

We found out about this when the frauder stopped making payments on the account and our credit reports showed a charged off card. 

We then contacted Chase Executive phone number and advised them of this problem. They told me to file a police report along with an identity theft affidavit for my partner and I. 

We both filled the police report and identity theft affidavit and sent it to chase. Shortly after, maybe in XXXX XXXX XXXX, chase gave us back a call saying they received the paperwork and have deleted the account and marked it as fraud. 

We havnt heard from them since up until 2-3 weeks ago, when we received a letter for a settlement offer. 

This is a joke and this was supposed to be removed and deleted as advised about 4-5 years ago
Consumer complaint received 2023-12-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (FL)

XXXX XXXX XXXX is trying to illegally collect a debt that I do not owe. Please see attached. I only used their gym for 2 months of a 12 month contract, but I paid the entire 12 months. In person, in writing, by phone and in email I have repeatedly told XXXX that I will no longer do any business with them. They continue to harass me, and are trying to coerce me into going back to their gym by abusing the collection process. 

Today I asked an employee of Aldous & associates to have an attorney review this, as no attorney has been used to review this yet. She refused to do so. 

There are XXXX  attorney generals office consumer complaints against XXXX XXXX XXXX XXXX XXXX, and even a XXXX  settlement against the company. They are still doing these illegal business practices!
Consumer complaint received 2023-12-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC (FL)

After many calls and emails to Selene XXXX in XXXX XXXX 2023 requesting my XXXX XXXX insurance not to be paid from XXXX, they have ignored my request completely. I was sent an increase of monthly escrow from {$170.00} to {$220.00} on my XXXX statement and to this date the insurance department at XXXX XXXX told me they have the XXXX insurance escrowed. 
The only payment XXXX XXXX is to make on my behalf is XXXX XXXX tax which was decreased for 2023. I requested a refund for the difference and got it. Now, please help me to have the increase in escrow rescinded as it is not justified because XXXX XXXX tax should be paid from XXXX. I have been paying my XXXX insurance. Thanks in advance.
Consumer complaint received 2023-12-15
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Select Management Resources, LLC (TX)

On XXXX  I called the office requesting to extended my pay day due to I have a XXXX, the person answer me in a bad actitude and told me they are going to repose my car, I never say im not going to pay, im only ask if i can send my payment the XXXX.
Consumer complaint received 2023-12-15
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: Regional Management Corporation (NC)

Regional Finance is still reporting false information in my credit report. I reached out to the branch manager in XXXX Nc on the XXXX of XXXX I believe it was to see what is going on. She informed me that there are no lates reporting on my credit report. However, I keep looking at my XXXX and XXXX  and it's now showing 90 days late with XXXX and XXXX  days late with XXXX. on XXXX it's showing late for XXXX, XXXX, and XXXX, on exeperian it's showing late for XXXX and XXXX. I reached out to the main office and they said the report at the end of the month. however, theyve been reporting to XXXX on XX/XX/XXXX with false information and XX/XX/XXXX with false information on XXXX and XXXX this is preventing me from getting credit and ive already reported them to the XXXX XXXX
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (VA)

My credit report was deleted on XX/XX/2023. After multiple rounds of back and forth with Experian and their dispute department, a resolution finally came from a previous CFPB complaint, on XX/XX/2023. My credit report is, again, missing all data, however. The attachments show the difference between the two dates. My credit report should have over XXXX lines of credit open, dating back almost 20 years.
Consumer complaint received 2023-12-15
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

The company is trying to request debt that is not mine and opened a collections account. The collections company said I owed a debt of {$1600.00} from XXXX of XXXX which goes directly against the statement I have of what I owed the apartment company due on XX/XX/XXXX. The charges that the collections company shows does not even make any sense. They claim I owed utilities from XXXX and XXXX of XXXX which is made up as the utilities were held in my name directly and not the apartment buildings. I have the utility account numbers and proof of having accounts directly with the utility companies. I have also attached my lease which shows under number 7 that the company did not pay utilities as there were no boxes checked indicating that they were responsible for them. Also the account number on the statement they provided me is not the same account number I had with the apartment company which I also have proof of. Lastly, this company claims two payments was made on XX/XX/XXXX in my name one of {$33.00} and one of {$1000.00} which I did not pay as this is not my debt. The last statement I received from the apartment company was on XX/XX/XXXX. Lastly the collection agency is saying I owe damages for cleaning, painting and carpet cleaning which does not add up as no damage was done beyond normal wear and tear and plus I never received anything from the apartment company claiming these allegations. I told the collection agency two separate times that this was not my debt and I want to dispute it. Bases on all the facts above and most importantly the fact that the account number they provided me was wrong, this is not my debt as I have no association with the account number they gave me. It seems to me this is an attempt as a money grab.
Consumer complaint received 2017-03-30
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (IL)

I 've been having a very hard time with Navient. I filed XXXX complaints against them. I believe they feel nothing will be done so they continue to treat the consumers like garbage. I 've been trying my best to get things with them resolved with the loans I co-signed on. First of all, I 'm trying to figure out how they loan jumped from one cost to another. I understand late fees and all but to go from XXXX in loans to over XXXX ... Yeah I think something is wrong with that. Not to mention I have requested numerous time to get a copy of the promissory note for the loans. Also, they received the correct mailing address and phone number for the loan owner ... ..they never updated the information. Lastly, the people we have been speaking to, give us partial information ( if not down right false ), they are rude and in my case, they did not answer my questions on my own loans I have with them because of issues with the co-signed loans. I feel like something really needs to be done.
Consumer complaint received 2023-12-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I made consistent and timely payments to both cards, from my Checking Account with the same company. 

The online webpage ledger for the checking account would show sufficient balance to make payments to the two cards ( same company ), yet the last 3 times, the payments failed. 

The failed payments do not show as transactions. 

When I called to complain, the woman said I could not rely on my online webpage, but that I needed to also consult emails and SMS texts!! I complained that that was not transparent. 

When XXXX tried to make charges and then refund, none of them showed the next day. 

They closed the credit cards. She said there could be no Appeal process. The other card is a {$99.00} Secured Card. I had one since XXXX and the other since XXXX.
Consumer complaint received 2023-04-20
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. (VA)

I legally changed my name in XXXX of XXXX. XXXX XXXX and XXXX had both updated that information rather quickly, but in XXXX, my automotive lender was unable to pull my Equifax report, which caused some hardship in obtaining a loan but I was ultimately able to get one at a rate above normal market value. In XXXX, I started the process of obtaining a mortgage, at which point my mortgage company found that Equifax was reporting that attempts to pull my report using my legal name were returning as fraud. On XX/XX/XXXX I reached out to Equifax to find out how to fix this error and was told that I should file a dispute online to change my name, and that the turn around time for this is normally 5 to 7 business days. I did so, and followed up with them after 5 business days had passed. I had uploaded my new drivers license and social security card. At that time, I was told that it could actually take 30 days, and I asked whether there was anything I could do to speed up the process. I was told they had everything they needed to do the name change and that I just had to wait, including the following times I called. On XX/XX/XXXX, I saw that the dispute was fulfilled, but their website still displayed the name. I contacted my mortgage company and they tried several times to pull my credit report again, and finally today, XX/XX/XXXX, I reached out to Equifax and was told they had not changed my name. I was told that I have to mail in my documents in order to change my name, and that they do not have a way for me to upload the necessary documents. 
I am greatly disappointed in Equifax for this, especially because I did more than my due diligence trying to resolve this and the other credit bureaus updated their information when I did so with my lenders. I am also quite upset that the rate on my loan is so high because of their inability to update information I had updated with my lenders.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Received a {$20000.00} wire from a person I know. XXXX XXXX  said it was not intended for me. It was disputed by BofA. XXXX then closed my account and reported me to the XXXX XXXX. And black listed me
Consumer complaint received 2023-12-15
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Credit Fresh Holdings Inc (FL)

This company told me my bank accounts would be frozen if i didnt promise a date to pay. Once I did and the payment failed they called me back to back at exactly XXXX XXXX. I redid the entire process under the circumstance that my bank account would not be frozen. The payment once again failed and the same process repeated.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

XX/XX/2024 RE : Request for Removal of Inaccurate Derogatory Information from Consumer Credit Report To Whom It May Concern : I am writing to bring to your attention a matter of significant concern regarding the accuracy of information contained within my consumer credit report. It has come to my attention that certain derogatory information, specifically pertaining to XXXX account XXXX, continues to be reported inaccurately on my credit file. 
I must emphasize the gravity of this situation, as it is not only a breach of federal laws and statutes but also a violation of my rights as a consumer. Upon disputing the aforementioned account with XXXX, it was promptly removed from my credit files due to an inability to verify or validate its accuracy. 
In accordance with the procedures outlined in 15 U.S.C. 1681i and its subsections, I have diligently pursued the removal of this disputed account from all relevant consumer reporting agencies. Despite my repeated efforts and requests, Experian has thus far failed to acknowledge or act upon my legitimate concerns. 
Furthermore, it has come to my attention that the reporting of this account may also be in violation of IRS debt cancellation regulations. According to IRS guidelines, cancelled debt income, such as that resulting from a charge-off or collection, should not be reported on a consumer 's credit report. Given that XXXX has already acknowledged and corrected this error, I expect XXXX to do the same without further delay. 
I urge you to take immediate action to rectify this situation by removing the inaccurate and misleading information from my credit file. Failure to do so may result in further escalation of this matter, including potential consumer or legal complaints. 
Enclosed with this letter, you will find a copy of my credit report highlighting the violations, as well as documentation confirming the removal of this account by other consumer reporting agencies. As well as the General Debt Cancellation from the IRS. 
Thank you for your prompt attention to this matter. I trust that you will address this issue with the seriousness and urgency it deserves. 
Sincerely, XXXX XXXX [ Enclosures : Copy of credit report, documentation of removal by other consumer reporting agencies ] Please note that a copy of this letter has been sent via certified mail to ensure its receipt and has also been forwarded to the U.S. Bankruptcy Court of California for their records.