davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

On XX/XX/2019, I opened a checking account on Fifth Third Bank using a promotion code I received from the bank on my email. 

This account was opened in the branch located at XXXX XXXX XXXX, XXXX IL  XXXX. 

The personal banker that assisted my was XXXX XXXX. 

The promo code I used has the following description : " {$250.00} Cash Bonus Offer : To qualify for the {$250.00} checking bonus, provide the offer code, open a new Fifth Third Essential, Enhanced, Preferred, Free ( GA and select markets in IN, KY ) and Free Checking plus Extra TimeSM ( FL only ) checking account by XX/XX/19, reach a {$500.00} balance within 45 days, and maintain {$500.00} as a minimum daily balance thereafter for 60 days. '' I provided this code to the personal banker that opened my account. 

On XX/XX/2019, I reached a balance of more than {$500.00}, which is one of the requirements for the promo code. Also, I maintained a balance of more than {$500.00} for the 60 following days.

According to the mail I received from the bank, I should have received the bonus by now.

I have called the consumer support team of my bank, but they havent been able to solve my complaint. I have also tried calling directly to the branch where I opened my account as well as the personal banker that assisted me to open the account, but haven't got any answer.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX Balance Owed : {$66.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} 1994 XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$66.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2019-07-22
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. (CA)

I HAVE BEEN IN CONTACT WITH EQUIFAX FOR THE LAST YEAR OR SO ABOUT THESE FRAUD ACCOUNTS AND THEY STATE THEY WILL DO A INVESTIGATION AND THEN THEY RETURN WITH THE ACCOUNT IS MINES, HOW CAN A ACCOUNT BE MINES WHEN I SUBMITTED VERIFCATION OF MY ADDRESS FOR THE LAST FIVE YEARS IN XXXX, AND THE ACCOUNTS MAILING ADDRES WAS XXXX. I HAVE SUBMITTED POLICE REPORTS SIGNED DOCUMENTATION WITH MY SIGNUTURE IN FRONT OF A NOTARY.I HAVE BEEN GETTING NO WHERE WITH THEIR COMPANY THEN THEY SAID I WAS BEING HANDLED BY THE SPECIAL INVESTIAGATION TEAM AND THATS XXXX BECAUSE THEY DID NOTHING DIFFERENT THAN BEFORE. I HAVE BEEN DISPUTING THE SAME ACCOUNTS FOR MONTHS AND ITS BECOME UNBEARABLE THAT THEY HAVENT CORRECTED THE ERROR. XXXX XXXX XXXX XXXX XXXX, XXXX, AND XXXX XXXX ALL ARE FRAUD ACCOUNTS
Consumer complaint received 2019-07-22
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (GA)

Home Depot credit card offered by Citi Bank advertise a promotion of 6 months interest free on balances but when promotion expired company charged deferred interest to my account. Large lump-sum interest was added to my account. This practice should be illegal. How are they allowed to do this after what happened with the financial market back in 2009?
Consumer complaint received 2019-07-22
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: GREAT LAKES (CA)

Loan Open Date : XX/XX/2009 Loan Amount : {$8300.00} As a recent XXXX XXXX XXXX, I was not sure what I wanted to do with my life. I decided to go to XXXX XXXX for information about the programs they offered. Their commercials drew me in because they mentioned they had a high rate of obtaining employment after graduation. Their sales/recruiters were super friendly and pushy. I only went for information ; however, they did not let me leave until I signed up for one of their programs. 

I was young and nave. I was also at a point where I wasnt sure what I wanted to do with my life, and I felt that they were leading me in the right direction. I told them I was interested in Technology or Computer Science a
nd they advised me to pursue a degree in Computer Drafting and Design. At first, I told them I didnt know anything about that program, and I wasnt comfortable about pursuing a career in that field. They assured me it was similar to what I wanted to do. I took their word for it and enrolled in that program. I attended for about a year and the program was not what I was told it would be. I met with a counselor and she changed me to another program, however, I enrolled halfway through the course and could not catch up. I didnt want to quit especially after taking out an {$8000.00} loan but I had no choice. I felt that I was set up for failure. As a result, I went into a deep XXXX and contemplated XXXX. 
Its not fair that 10 years later, I am still paying for something that I felt forced into and for a school that is obsolete and has no credibility. I cant say I am shocked to see that school close down because their sales tactics were misleading and deceptive. They also tricked many people into taking out high-cost loans without understanding the terms and conditions for paying them back.
Consumer complaint received 2019-07-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Pressler & Pressler, LLP (NJ)

I received a letter from Pressler, Felt & Warshaw threatening to take me to court regarding an alleged account in collections from XXXX XXXX XXXX. Since I use XXXX XXXX, I knew not only was there no past due account for XXXX on my account, there is NO XXXX account except for one paid in full in 2005. They also contacted my employer about garnishing my wages. They didn't even have the common sense to put the amount due on the paperwork but the closed account was only for {$200.00} anyway. 

This law firm has been sanctioned by you before ( under Pressler & Pressler ) but they have not changed their tactics.
Consumer complaint received 2019-07-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

I had a mortgage with XXXX. XXXX is in bankruptcy, and my mortgage payments were set to Auto-Pay through my bank 's ( checking account ) bill pay service automatically remitted to XXXX loan account. These payments continued to be made. After return from vacation I find a statement from XXXX  in my XXXX XXXX , stating that I owe an outrageous amount for non-payment of mortgage for 3 months ( {$1300.00} ) where monthly payments with prior company XXXX were {$450.00}. I never received anything from XXXX, and I never received anything from XXXX XXXX that my account is being transferred or who to contact, where to make payment etc .... All I have is a single piece of mail from XXXX XXXX with a payment slip for {$1300.00} ( versus my monthly fixed amount {$450.00} ). 
As per my understanding of requirements during mortgage service transfer ( 12 CFR 1024.33 ) - 1 - The old company XXXX XXXX - i.e. Transferor of service ) was required to send me a Notice of Transfer no less than 30 days before effective date of the transfer of servicing of the mortgage. 
- 2 - The new company ( XXXX XXXX - i.e. Transferee of service ) shall provide the borrower notice no more than 30 days after effective date of transfer. 
- 3 - Notice of transfer shall include : ( i ) effective date of transfer ; ( ii ) name, address, and collect or toll-free telephone number of employee or department of the TRANSFEREE of service so that the borrower can obtain answers related to servicing transfer ; ( iii ) name, address, and collect or toll-free telephone number of employee or department of the TRANSFEROR of service so that the borrower can obtain answers related to servicing transfer ; ( iv ) date on which the TRANSFEROR will cease to accept payments and on which TRANSFEREE will begin accepting payments ; ( v ) Whether the transfer will affect terms, and any actions the borrower must take ; ( vi ) statement that the transfer of servicing does not affect any term or condition of the mortgage loan. 

NONE OF THE ABOVE 3 points and sub-points were completed by either XXXX or XXXX XXXX. All I receive is a slip to pay to XXXX XXXX.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXXXXXX 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 XXXXXX/XX/XXXX.
Consumer complaint received 2019-07-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IL)

I have a problem with late fees be assessed to XXXX XXXX XXXX through Comenity BANK. Comenity Bank had decided to Discontinue XXXX XXXX  AS OF XXXX XXXX. So, I could no longer use card. The account has been closed. I have been paying down the balance, until I finally paid off the balance. The due date every month was XXXX of each month. I made my last payment in full on XX/XX/2019 after XXXX XXXX  CST. I was then assessed a late fee of {$27.00}. I called customer service to explain and have them remove late fee as courtesy. They wouldnt do it. I ask to speak to a SUPERVISOR, she said since the account is closed, that couldnt do anything. Although, they can add late fees and interest. I was assessed {$27.00} late fee and {$2.00} interest on the late, because the balance was PAID IN FULL. I also requested my account information and could give my account number to make a complaint. My name is XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Illinois XXXX
Consumer complaint received 2019-07-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Debt Holdings, LLC (FL)

Received call from agency on my cell number claiming they were collecting on behalf of XXXX XXXX XXXX. Stated that I owe {$2000.00} and the funds were deposited into XXXX XXXX XXXX and they plan to file a civil complaint and seek judgment. I requested verification of debt but the agent stated they would set a court date sometime mid XXXX then hung up. I then called XXXX XXXX XXXX to find out about the debt they say I owe but the representative stated they did not have my file and that my file was sent to United Debt Holdings LLC. Tried to call could not get anyone on the phone. I checked the XXXX website and United Debt Holdings , LLC is no longer in business. Not sure what's going on.
Consumer complaint received 2019-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (KY)

I disputed a credit card transaction after numerous unsuccessful attempts to resolve the issue with the merchant ( XXXX XXXX ). They simply did not respond to any of my complaints. The company acted in a fraudulent manner and gave me false and misleading information to obtain the sell. I did not receive the correct tires or installation services I paid for. The card issuer Citi Cards failed to dispute my claim properly. They failed to contact the merchant for a response to my dispute. I provided ample and detailed information and multiple documents in regards to my tangible and non-tangible purchases. Citibank determined the outcome in favor of the merchant without considering all the evidence I provided to them. Citi Cards did not mandate the merchant to issue a refund.
Consumer complaint received 2019-07-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (OR)

Hello, I received a notice in the mail from Convergent USA claiming that I owe debt on a XXXX  cell phone account that was closed and paid in full. As soon as I received the notice from Convergent I contacted both Convergent and XXXX to ask them what the debt was for. Both companies refused to provide this information. I have repeatedly attempted to work with Convergent and have provided them with proof that the debt is not mine. Convergent continues to refuse to provide any information on the source of the debt while simultaneously trying to collect money from me.
Consumer complaint received 2019-07-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (NJ)

In XX/XX/XXXX ( per XXXX ) someone using my identity created an account online as a seller with XXXX. Apparently item ( s ) were sold and then a " charge back '' was initiated by a customer. It appears XXXX paid that individual {$100.00} and charged it to this fraudulent account. Since the fraudster did not pay them they put this into collections with Convergent. I had disputed this to XXXX and they denied my dispute, without explanation. 
In XXXX, I received the first notice from Convergent that this debt was in collections. I contacted XXXX XXXX, a service that was first provided to me as a result of the XXXX breach in XXXX. Together we contacted both Convergent and XXXX to explain this was fraud. We were advised to proved Convergent with a police report and FTC Identity Theft Report as proof of identify theft. That was sent to Convergent on XX/XX/XXXX. On XX/XX/XXXX I received the response from Convergent. Letter was dated XX/XX/XXXX and stated that XXXX has rejected my dispute again. They did not disclose any reason why it was denied this second time either. 
Conversations with XXXX have been a series of transferred calls and no communication as to why they have determined this fraudulently opened account was a valid account. 
One day after receiving the response from Convergent on XX/XX/XXXX ; a representative from Convergent was already calling me and asking me when I am going to do to settle the debt.
Consumer complaint received 2023-01-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (IN)

I called Mohela on XX/XX/XXXX to request a refund of about $ XXXX in student loan payments I made during the pandemic. The rep that submitted the request for me said it would take up to 90 days to see my loan balance readjusted in my account and receive the refund via the original method of payment which was through my bank account. I called again in the first week of XX/XX/XXXX because its been over 3 months since I originally made the request and the rep couldnt provide much of an update besides telling me that theyre still working on it and doesnt have an idea of when I could expect the refund back. I get a call a few days later because I emailed Mohela prior to calling them and this new rep told me that Ill likely receive letters in the mail from the Department of Treasury with individual checks of payments I made which is the last thing I wanted because who knows how long itll take for the department of treasury to write those checks, let alone receive them in the mail versus just depositing the amount in my bank account.
Consumer complaint received 2024-03-07
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. (MI)

i reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. i have never been late on payments for the accounts that i have included a screenshot insude the dates of XX/XX/2024, and XX/XX/2024. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided, i demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached.
Consumer complaint received 2023-06-13
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. (TN)

I sent SEVERAL letters to EXPERIAN starting from the months of XX/XX/23, XX/XX/23, and XX/XX/23 disputing said account XXXX XXXX to be removed from my account. However each dispute comes back as " REMAINS '' but according to Usc 1581a section ( e ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know who did they investigate besides the CREDITOR?
Consumer complaint received 2024-03-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to you in regard to the fraudulent accounts listed on my credit report. Upon reviewing my credit report, I was shocked to discover the presence of these unauthorized accounts, which have undoubtedly tarnished my creditworthiness and compromised my financial integrity. 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 2019-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to dispute a fraudulent charge on my account of {$300.00}. {$140.00}. 
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 Landing 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. 
1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$140.00} -This is not my account.
Consumer complaint received 2019-07-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (TX)

On XXXX XX/XX/XXXX I was declared 100 % permanently and totally XXXX by the Veterans Administration. On XXXX XX/XX/XXXX I was exempted from any property taxes on my homestead ( my home ) in XXXX County, Texas. Texas gives a 100 % exemption to 100 % permanent and totally XXXX veterans. 


Flagstar Bank holds the mortgage to my home. They advised they would not reduce my escrow payments because I will owe money for taxes in XXXX. I understand that and they will refund any excess. They will not reduce my escrow payment for XXXX until they get a tax bill showing a XXXX balance which won't be until XXXX of XXXX when tax bills go out for that year. They will then reduce my mortgage escrow payment in XXXX, XXXX. 

Letter from XXXX exempts me from property taxes Jun of 2019. Flagstar won't remove escrow from my mortgage until XX/XX/XXXX. I will have paid 18 months into my tax escrow account that I do not owe by then. This is ridiculous. I know other mortgage companies reduce escrow payments immediately upon notification of property tax exemption.
Consumer complaint received 2021-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (SC)

On XX/XX/21 I applied for Chase XXXX XXXX XXXX Card and was not approved. I'm a consumer ( natural person ) so I can not be denied credit that originates through me that I extended to them. I'm the original creditor pursuant to 15 usc 1602. I can not be discriminated against for exercising my rights in good faith pursuant to 15 usc 1691. XXXX  dose n't have my written consent to report anything on my credit report pursuant to 15 usc 1681 permissible purpose.