davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-17
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (VA)

National Credit Systems reports on my credit report that I owe XXXX XXXX XXXX. I asked for validation and they sent me a contract with the 6th line a date from 2013 and a different rental agency than what's stated on my report. I believe this paperwork was copied and pasted. It also doesn't have an itemized list on the paperwork. This company was unable to validate their account so should be deleted immediately from my report.
Consumer complaint received 2021-04-20
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. (OH)

There are two XXXX accounts on my Equifax credit report that are both more than 10 years old. I spoke with XXXX and they verified this information. I processed a dispute with Equifax and they verified the info and the accounts were closed over 10 years ago but did not delete them, they said because I did a dispute that change my date of last reporting to the date I disputed them so it would be another 10 years which makes no sense. They only appear on Equifax, they don't have any negative history and they should be removed.
Consumer complaint received 2020-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've sent out three disputes to XXXX, Transunion and XXXX on the dates of XX/XX/2020 XX/XX/2020 and XX/XX/2020. The amount owed is {$1800.00}. I've disputed to receive proof of verification on my credit report but have not received accurate information at all. I've disputed about this account on three different occasions but neither credit reporting company has given me an accurate response.
Consumer complaint received 2020-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NV)

Equifax lowered my FICO score in behind of a us department of education but us department of education hasnt gave any information in 4 months so how is it possible its lowering my score but not adding my up to date payments Equifax is mishandling my credit Information and my credit score and has no right to lower my score for no reason
Consumer complaint received 2021-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

American Express Credit card welcome offer not honored. 

I just got off the phone with American Express customer service inquiring about my welcome offer of XXXX XXXX XXXX points for signing up and they stated if I had ever signed up for a XXXX XXXX credit card in the past at anytime that I would not be eligible. However, the terms of the agreement show it's within the last 24 months only. I have already hit the spending requirements so there should be no issues. 

I tried to resolve this with AMEX and they mentioned they reserve the right to deny the welcome bonus for any reason and that I was not privy to the specific reasons why they are with holding the bonus. 

This feels like a bait and switch scam as they advertised a promotional welcome offer and had me sign up and pay a {$450.00} fee and spend {$5000.00} on the card then will not give me a real reason why they won't honor the welcome offer.
Consumer complaint received 2020-03-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (NY)

On XX/XX/XXXX I received another Debt collector letter. I called up the same day and stated I never had this account and I want a verification letter sent to me. 
Instead they send the letter from XXXX to themselves and state it is correct. 

I then call back and state how can you send my verification letter to yourself if I am the one that has to verify it. 

I also told them twice this account was removed from one of my other agencies for not being mine. 

I also sent them a theft ID report
Consumer complaint received 2023-01-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CCF Intermediate Holdings LLC (OK)

Speedy Cash XXXX XXXX XXXX XXXX KS. XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  On XX/XX/22, I was unable to log in and make a payment prior to due date ; whereby, the creditor had manipulated on-line user account access. I phoned creditor and was told they didnt support the XXXX XXXX debit card. I went back on-line and was allowed to enter the card information, but a payment was not accepted. The next day additional interest was charged to my account and an attempt to withdraw payment was made and declined. The payment was declined because it was schedule for the next day, according to XXXX XXXX, and that is a fraudulent transaction that is not accepted by any debit card. All other creditors accepted and were paid through the same card. 

On a monthly basis, the creditor utilizes a loop whole to charge additional interest and prevent me from paying the loan off sooner. An additional interest payment is charged to my account a day or two prior to due date. The creditor has allowed early payments once or twice, but an additional payment is withdrawn the next day ; whereby, overdrawing my account. This is a breach of contract since there are no penalties for paying loan off early.
Consumer complaint received 2020-03-29
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-04-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Avant Holding Company, Inc. (MD)

They signed me up for a loan without my knowledge. I received an email stating I needed to confirm my identity to claim/confirm it. However- I NEVER contacted them or requested a loan from them. They seem to have put me through the process without my express permission. 

I did reach out for a 'pre-qualification ' at XXXX and XXXX XXXX auto navigator. The timing is suspect- I suspect someone is doing something less than legal/savory and passing on consumer information to people in order to get a finders fee from legit lenders like Avant.
Consumer complaint received 2020-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (GA)

Since the end of XX/XX/2020, I have not be able to do disputes online due to an error that states : " We're experiencing technical difficulties and can not access your report at this time. '' I was able to last complete an online dispute earlier in XXXX but now, whenever I try, I get this message. I have attempted to address this issue over the phone and have even requested to have the issue escalated and the issue has not been addressed. 
My last dispute was with the account : XXXX XXXX the balance is still not correct.
Consumer complaint received 2021-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc. (FL)

This XXXX was fraudulently placed on my credit, i was added without my knowledge or permission to that account. I also called the company " XXXX XXXX '' and they didn't have my information listed on the account as well. I also gave " XXXX '' my information and this account was not there.
Consumer complaint received 2020-03-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (CA)

I am a victim of identity theft. I recently pulled my credit and noticed inaccuracies I reached out the credit companies and bureaus. The companies removed the fraudulent accounts from my report with no issues all except one bureau that was XXXX  they kept an account from XXXX XXXX  XXXX and TD target none of these accounts were authorized to be opened by me or anyone associated with me on my behalf.
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Park Hill Holdings (FL)

15 US Code 6801, Improper use of public information, which was used as a only factor in an application with XXXX XXXX XXXX XXXX XXXX to which is not paid or factual if found other by other Than the consumer. Friends family, public records etc, is not valid pursuant to 15 US Code 1681 A4. as a living woman XXXX XXXX have come to extend my credit as it is my legal right.
Consumer complaint received 2022-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (MA)

Citi Thank You Rewards make it impossible to actually use the points for transfer to airlines such as XXXX XXXX. I have tried to transfer points many times and it always just gives an error that does not describe what the error is. I followed all stipulations in the terms and conditions. The error does not describe what is wrong. I believe the website is misleading and fraudulent.
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

i previously disputed this incorrect personal information back on XX/XX/22 then again on XX/XX/22 as well as XX/XX/22 and XX/XX/22 with this reporting agency here i am again because no changes were made to my report about this information I have been completely ignored by Experian in all of my attempts i have full proof to show that this info is still reporting incorrectly as well as inaccurately and has not been changed attached in this complaint is that info
Consumer complaint received 2021-04-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (CO)

We applied for a mortgage to purchase a condo at XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX with Wells Fargo. We were promised a discount based on our assets under management, from the original rate of XXXX to XXXX throughout the entire process, however just as we were about to close, they rescinded the discount, a clear case of Bait and Switch. 

XX/XX/XXXX : Email offering us the rate of XXXX multiple phone conversations confirming this rate XX/XX/XXXX : another email confirming this rate XX/XX/XXXX : another email assuring us it is a " no brainer '' that we will qualify for the discount. 
XX/XX/XXXX : XXXX XXXX before closing they said they'd made a mistake and we would not get this rate. This resulted in additional costs of the loan of {$52000.00}, but due to the timing our hands were forced. We asked for a management review and after the fact they said that they declined our request.
Consumer complaint received 2020-03-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (LA)

This home was purchased in XX/XX/XXXX. The mortgage company paid the tax authority taxes dated XX/XX/XXXX-XX/XX/XXXXin the period where I did not own the property. 
When the property was purchased the closing company cleared all taxes and verified that this property did not owe any taxes. Furthermore, I never received notice about these bad taxes from XX/XX/XXXX-XX/XX/XXXX. 
The mortgage company paid these taxes without letting me know and know they have included almost 14000 worth of taxes into the escrow account and they are making me pay for taxes that are not even form the time I have owned the property. 
I have contacted them since XX/XX/XXXX over five times about this issue but they have not provided any information about the payments made nor they have reached out to the tax authority to fix their mistake.
Consumer complaint received 2020-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TN)

To Whom It May Concern : I have received a copy of my free credit report, and have tons of inquires that were done by a car-dealership in which I personally did-not authorize at all. 

I have attached a picture of my ID, and proof of address so that you the reporting CB can verify me. 

I'm asking that you reach out to the company who pulled my credit, and request proof that they have my authorization to have pulled my credit report from the following methods A ) a signed letter.

B ) a recorded phone call.

C ) video surveillance of me authorizing the inquires. 

While I was inside the dealership, I only AUTHORIZED XXXX XXXX, not their furnishing network to have pulled my credit. This is my written request to demand, that you look in-to this issue as soon as possible and provide me proof of how you investigated, and how you determined that I authorized the companies listed below to pull my credit. 

They are as follows : 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 Auto Finance XXXX - Auto Finance 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 Card Service 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 Card Service XXXX XXXX  XXXX/XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX XXXX XXXX XXXX Dba XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX No forms of credit have been established with any of the creditors above, so I ask that you investigate and remove them for my report otherwise you will be in-direct violation of FCRA statues, and limitations.
Consumer complaint received 2021-04-20
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Specialized Loan Servicing Holdings LLC (CA)

I contacted my lender representative SLS ( Specialized Loan Servicing ) in XX/XX/2021 and explained I was experiencing a loss of income due to Covid-19. I asked to be placed into the Covid related forebearance program. SLS complied with my request and stated I was not required to make monthly mortgage payments for the months XXXX, XXXX, and XX/XX/2021. SLS further stated the missing mortgage payments for those XXXX  months would not be considered delinquent or reported to consumer credit agencies as delinquent. 

On XX/XX/2021 I received a letter from SLS stating my mortgage was now considered delinquent despite me being in the Covid related mortgage forebearance program. I am concerned SLS is reporting my mortgage as delinquent to my lender despite my approval for mortgage forebearance. I am concerned SLS is reporting this erroneous delinquency to a credit reporting agency in violation of the program. I am concerned if because of future covid related loss of income I need the forebearance program extended beyond XX/XX/2021 SLS will deny my request based on this purported payment delinquency. 

Additonally, in a prior CFPB complaint I asked SLS to disclose who my actual lender was. Their official response was that my current lender is XXXX XXXX. However, I have been unable to confirm this through the XXXX XXXX website which denies they are my lender.
Consumer complaint received 2020-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

To Whom It May Concern : I have received a copy of my free credit report, and have tons of inquires that were done by a car-dealership in which I personally did-not authorize at all. 

I have attached a picture of my ID, and proof of address so that you the reporting CB can verify me. 

I'm asking that you reach out to the company who pulled my credit, and request proof that they have my authorization to have pulled my credit report from the following methods A ) a signed letter. 
B ) a recorded phone call. 
C ) video surveillance of me authorizing the inquires. 

While I was inside the dealership, I only AUTHORIZED XXXX XXXX, not their furnishing network to have pulled my credit. This is my written request to demand, that you look in-to this issue as soon as possible and provide me proof of how you investigated, and how you determined that I authorized the companies listed below to pull my credit. 

They are as follows : 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  Finance XXXX - Auto Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Card Service 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 Card XXXX XXXX XXXX  XXXX/XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX  Dba XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX No forms of credit have been established with any of the creditors above, so I ask that you investigate and remove them for my report otherwise you will be in-direct violation of FCRA statues, and limitations.
Consumer complaint received 2021-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (GA)

Chase.com allowed me to set up an online payment. 

It allowed me to enter a savings account at my credit union. 

Around XX/XX/2021 I did a sample payment of {$2.00} to see if it worked. I was given a tentative credit for the {$2.00} payment. 

The {$2.00} never cleared my credit union. I paid my balance another way and added {$2.00} more to cover the sample charge that failed. On XX/XX/2021 Chase logged it as a returned payment. 

On XX/XX/2021 Chase Sapphire, then charged me {$28.00} as a failed payment fee. They say it will be removed, but if it is not, Chase will charge me late fees for not paying the {$28.00} balance by XX/XX/XXXX. 

I have XXXX issues : XXXX. The online payment system should arrange a test so I don't have to test. 
XXXX. The failed payment fee is an automatic charge that is probably imposed unfairly in many instances. It is also onerous in my case, a {$2.00} test payment had a {$28.00} fee imposed. 
XXXX. The automatic charge system then compounds the problems with late payment fees if the unfair charge is not paid by the monthly due date.
Consumer complaint received 2020-03-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (NY)

In XXXX I opened a Best Buy credit card to purchase a tv for {$900.00}. I paid it off immediately. In XXXX of XXXX I receive a Best Buy card bill with A large amount charged. I think it was around XXXX XXXX I have never used the card since my XXXX tv purchase. I reported the fraud immediately to the Citicard. On XXXX I received a letter from the security operations stating the fraud was taken care of and the disputed charges have been removed. Then I get a new card! I did not ask to open another card I dont use! I call immediately to cancel the card. XXXX I receive a letter saying it was closed. XXXX I receive another bill for {$600.00}. Then same day XXXX I receive another letter stating my charges have been disputed and they have been removed. I call again. I have spent hours upon hours in the phone and can not get to anyone who can help me. They keep putting me on hold and transferring me to another department to start the story over. The last call I made on Friday I believe after what I have been told is only part of the disputed charges where taken off and the rest was put into this new account they opened without my permission and is now closed. Now I am still receiving calls daily to collect the debt that I did not make. That I have letters saying has been satisfied. My credit has been ruined because of this. I am very upset. I have 2 college student who need student loans that I need to sign for and now I can not because they have ruined my credit. If someone can help me I would appreciate it. Thank you. XXXX XXXX XXXX