davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (CO)

I have a credit card that I have been attempting to make payments on since XXXX. Each time I have attempted to make a payment, I have been told through the customer portal that the payment was received. However, after each payment attempt, I get a notice that there has been a reversal of the payment without any further information. Additionally, this has somehow managed to decrease my available credit on the account based on the current balance. For instance, theres a {$700.00} credit limit, and my balance is currently sitting around {$590.00}. It now says my available credit is negative {$110.00}. I am expecting the payment to be reversed in the coming days as it has since Ive been attempting to make payments since XXXX. I do not know what else to do. The last payment I sent was done over phone instead of the website to ensure that it would go through.
Consumer complaint received 2019-05-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

I have sent 2 letters to this company to Validate this debt and they have not provided any real proof. All they have provided me was a statement with an account number with no name and no signed contract to prove this debt is mine.
Consumer complaint received 2020-09-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A. (CA)

Opened a checking account around XX/XX/2020 based on a {$300.00} cash bonus for meeting certain requirements. Terms of the requirements are below : 1 The qualifying Direct Deposit ( s )  must be received within the first 60 days of account opening. Your checking account must remain open in order for you to receive the reward, which will be credited to the eligible account within 6090 days after all conditions have been met and will be identified as " Cash Trans Promo Reward '' or " Credits Promo Reward '' on your monthly statement. 

2 A qualifying Direct Deposit is defined as a recurring Direct Deposit of a paycheck, pension, Social Security or other regular monthly income electronically deposited by an employer or an outside agency into the Spend account of a Virtual Wallet with Performance Select. The total amount of all qualifying Direct Deposits credited to your checking account must be at least {$5000.00} for Virtual Wallet with Performance Select. Credit card cash advance transfers, transfers from one account to another or deposits made at a branch or ATM do not qualify as qualifying Direct Deposits. 

Terms met on XX/XX/2020 and received email acknowledgement from PNC Bank that the required direct deposits had been received. 

When the cash bonus was not paid out by the specified time, I reached out to PNC Bank on XX/XX/2020 via online chat. When I inquired why the cash bonus was not paid out I was told I had not met the requirements and quoted different terms and conditions than previously received in writing. 

I explained in detail that the terms quoted were incorrect and was told a dispute was opened and that I would receive a response within 10 business days. The Bank failed to respond in the specified time. 

Summary : I met the requirements of the bonus, as specified at the time the account was opened, and PNC failed to pay out the bonus. When I followed up, PNC quoted terms that were materially different that the language provided at account opening. PNC also failed to respond with the specified time period that they had established.
Consumer complaint received 2023-03-20
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: EQUIFAX, INC. (VA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

**XXXX XXXX ( XXXX  ) **XXXX XXXX XXXX ( XXXX  ) **XXXX XXXX XXXX XXXX** Section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-03-11
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. (LA)

Equifax needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX XXXX XXXX XXXXXXXX Balance {$15000.00} XXXX XXXX, IN XXXX Balance {$3500.00} XX/XX/XXXX XXXX XXXX  XXXX Balance {$2400.00} XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2022-03-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

Mr. Cooper my mortgage servicer is practicing pre-accrual and has been for many years. I called and asked them to correct this on XX/XX/2022 by performing an escrow analysis, and even cited the statute. 1024.17 ( c ) ( 6 ) Restrictions on pre-accrual. A servicer must not practice pre-accrual. I was advised by my mortgage company I still had an escrow shortage. I believe Mr. Cooper is also in violation of 1024.17 ( c ) ( 1 ) and they will have more than a XXXX cushion at year end in my escrow account. Annual escrow : {$6200.00}, XXXX amount {$1000.00} ; XX/XX/2022 current escrow balance {$1700.00}. My monthly escrow payment is {$560.00} x 10 months= $ XXXX $ XXXX $ XXXX $ XXXX cushion at year end {$1200.00}. 

The amount sufficient to pay is computed so that the lowest month end target balance projected for the escrow account computation year is XXXX ( XXXX ) My homeowners insurance is due in XXXX for {$1800.00} Escrow balance XX/XX/2022 $ XXXX $ XXXX {$2700.00} Taxes due XXXX {$3600.00} XXXX Escrow balance $ XXXX $ XXXX {$760.00}
Consumer complaint received 2018-08-24
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: DISCOVER BANK (OH)

I have spoken to discover card, XXXX, XXXX and XXXX multiple times last year in XX/XX/2017 and this year. They stated that they would fix the issue and delete the discover credit card off of my credit report permanently, which never happened. It keeps getting reinserted by discover credit card because they keep reinserting it with a different credit card number. They used two different credit card numbers so far. I had my wallet stolen from my vehicle and multiple people used my identity, which resulted in a fraudulent Discover credit card 's to be open without my consent. I have been dealing with this for over a year. I am very tired of discover doing this to me and the credit bureau 's. I want to get this resolved and off my credit report permanently like XXXX told me they would when I first complained last year in XX/XX/2017. Attached are all the legal supporting documents of my identity theft and the FTC report.
Consumer complaint received 2018-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I closed my Capital One credit card account in XX/XX/XXXX At that time, myXX/XX/XXXX payment was already scheduled. At the time of my account being closed, my account was on Autopay.  After my account was closed a month, the autopay was no longer in effect. I believe that Capital One cancelled it when my account was closed. No payment was drafted in XXXX or XXXX. Because of this many large late fees piled up on the account, starting in XXXX, XXXX and XXXX, causing my amount due to balloon. Capital One called me in late XX/XX/XXXXto discuss my overdue account, which was the first hint that I had this account was overdue. I signed back up for autopay in XX/XX/XXXX
Consumer complaint received 2019-05-07
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: We Collect Inc (ID)

I received a letter from a third party debt collector about a debt that I have already went to court on and received judgement against me on in the amount of XXXX and it stated that this balance was accruing interest at the rate of 29.99 percent. I called this company on XX/XX/XXXX to let them know I have a legal judgement on this debt and it is only allowed to accrue interest at the rate Idaho allows, which is 5 percent plus the base rate Of XXXX. The company stated they do not have any information about the judgement and that it will remain at the 29.99 percent until I sent them the paperwork from the judgement. I sent that paperwork on XX/XX/XXXX and then called to get status on XX/XX/XXXX since previous emails asking about status we're going unanswered. I again told them that it was in the courts of Idaho and according to Idaho law any judgement can not accrue interest more than 5 percent plus base rate. The lady then told me the client told her to charge me the 29.99 rate anyways regardless of the judgement so that's what they will do, and if I don't pay they will sue me again on this same debt that I was already sued on, and if I get an attorney good luck and just let them know the name.
Consumer complaint received 2017-06-16
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: SYNCHRONY FINANCIAL (CO)

I paid an account off in   XXXX   XXXX    , with the resold buyer for this account Care Credit. I received a letter from both the new owner of the account and SYNB on   XXXX   XXXX  , that this account will be removed from all 3 credit bureaus. Since then, I run my credit once a year and every year, the  SYNB/Care Credit  remains, I dispute at that time and counter dispute, along with providing them with the letter they sent to me to remove. Sychrony Bank always kicks it back to the bureaus as a valid report. This year I decided to contact the company directly to have this removed since they continue to deny the removal from my disputes with the credit bureaus. I started this process on   XXXX   XXXX  , with  Sychrony  Bank, I provided SYNB the same letter that I have sent to the bureaus. They have acknowledged this should not be on my credit reports. I have contacted Sychrony around  10-12 ti mes requesting an update and have been hung up on, told they can not help me, or that  XXXX   XXXX  or  XXXX , will be giving me a call back. I have not received any updates or call backs, and this account is still listed on all credit bureaus. Please assist in removing this from my credit reports it has been falsely reported for over  2  yrs now. Thank you
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX CO XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX CO XXXX
Consumer complaint received 2017-06-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Mobiloans, LLC (FL)

THIS LOAN IS NOT MINE, I FILED PAPERS WITH MOBILOANS, AND NOW THEY HAVE SENT ME TO COLLECTIONS. THIS HAS CAUSED A NEGATIVE TO M Y CREDIT SCORE  AND I 'M JUST TRYING TO GET THIS HANDLED. APPARENTLY WITH JUST SOME BASIC INFORMATION YOU CAN OBTAIN A LOAN WITH THIS COMPANY WITHOUT VERIFICATION
Consumer complaint received 2018-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

We applied online for a Capital One Venture card that came with a XXXX point bonus on XX/XX/2018. We received an email that it would not be approved and a denial letter on XX/XX/XXXX. The denial reasons stated vary, including length of credit history, amount owed on account too high, proportions to high, and too many accounts with balances. The Credit agency is XXXX  and my credit score is XXXX. I have a copy of the report and nothing matches their reasons. We work very hard to maintain a clean report and have no history of fraud. 

I contacted the Application department on XX/XX/XXXX and spoke to XXXX. The recorded conversation should be reviewed as XXXX was completely helpless. On XX/XX/XXXX I sent a certified letter to Capital One request a review. As of XX/XX/XXXX, I have had not response.
Consumer complaint received 2018-10-21
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I just got my first free annual credit report and found that someone opened up like 5 credit cards under my name and there were a bunch of other things that i'm not aware of that appeared on the credit report.. I think they were the guy trying to get credit cards from other companies but getting denied by them ... idk what to do can you please help me asap..!
Consumer complaint received 2018-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

The following inquires are on my credit report without my permission and the credit bureaus will do nothing about them : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Experian is the problem. I am a victim of identity theft. I submitted to them a police report and an FTC Identity Theft Report detailing the fraudulent accounts. 

Experian is refusing to remove a fraud account from XXXX credit card. 

XXXX is the account number in Experian and it shows {$4500.00} Both XXXX   and XXXX have followed the law and removed this item after I submitted a police report about identity theft as they should. 

Experian will not follow the FCRA and remove and block the item with a police report. 

I then did a credit freeze on my Experian account. Experian responded by notifying me via email that they were raising the price of my account. I believe they are retaliating for me freezing my profile to punish me. I was upset and decided to cancel my account. 

I proceeded to try to cancel my Experian account, and ran into more fraudulent activity from them. While my profile online clearly states my membership status, fee and billing date, they do not allow you to cancel online in a convenient way. Their automated phone system would declare that I had no membership and would hang up without letting me cancel. I called several numbers listed on their website and always was directed into a dead end automated system with no human available as an option. They do this to prevent you from being able to cancel and keep billing you. I finally had to choose an option about a child and identity theft in order to get to a person, and it was a person in an office in XXXX XXXX named XXXX who finally was able to cancel the membership for me.
Consumer complaint received 2024-03-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (AZ)

I checked my credit report and found I C System collection agency on my credit report. I then contacted because I wanted to know what this was and who it came from. I was told that they are collecting on behalf of XXXX XXXX XXXXXXXX  in which I have never had. I was directed to XXXX XXXX  XXXX and sent to there fraud department sending a letter stating I wanted validity of the debt and any information that they had to make this debt valid. They would not send me any information I also asked for them to remove the item until they could validate this debt. The debt is only {$310.00} dollars but this debt is not mine and they will not remove this.. So IC SYTEMs and XXXX XXXX  XXXX are together on this one and someone needs to show the validity of this debt or remove it from my credit report
Consumer complaint received 2022-07-10
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. (NY)

on XX/XX/2022 ive disputed these accounts with XXXX, XXXX  and experian. i received no response or results on any investigation that i requested. i requested for them to validate 2 collection accounts on my report which they failed to do in the 30 day investigation period.i also requested that they update my personal information and remove all inaccuracies from my report. they have failed to investigate and comply with my instruction to remove all inaccuracies XXXX instead tried to send me a stall letter accusing me of using a third party to contact them which has nothing to do with the investigation i requested for these accounts .i dont appreciate them ignoring my request and violating my consumer rights by failing to respond in the 30 day investigation period.XXXX  especially, continue to violate my consumer rights by trying to stall to buy them more time to discourage me from my rght to disputing these accounts that are a defamation to my character .according to the federal credit law spelled out in the FCRA, a credit bureau is required to respond to you and complete their investigation within 30 days.if they do not respond within this time frame, they must remove the negative and inaccurate listings disputed.it as been 47 days since ive disputed and ask for an investigation, which is a blatant violation of my consumer rights.i would like these inaccuracies to be removed from my credit report.
Consumer complaint received 2022-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TRUIST FINANCIAL CORPORATION (FL)

Good afternoon, I applied for the Truist " XXXX '' credit card back on XX/XX/XXXX at www.truist.com. 
I was approved for the card but haven't been able to use it, every time I try to use the card, they tell me the card is declined. I check my credit card account on the Truist website and I keep getting the message " This account is currently unavailable for use. If you have questions or need assistance, please call XXXX from XXXX am to XXXX pm XXXX, XXXX and from XXXX am to XXXX pm XXXX, Sat. '' This message has been there since I created the login on the website and it is the same phone number on the back of my card. 
I called Truist on XX/XX/XXXX regarding this issue of not being able to use the credit card and the representative I spoke with said someone would call me back since the person in charge was gone for the day. No one called me back. I must say that the hold time to reach someone at this company is insane, every time over an hour. I called back on XX/XX/XXXX and a representative said that someone will give me a call, the same thing I was told back on XX/XX/XXXX. I never got a callback, so I called again on XX/XX/XXXX, this time I asked the representative to provide me with the name of the person who would be calling me back. She said the person was XXXX XXXX, but she was in a meeting at the moment. I never got the callback either, so I called back today, XX/XX/XXXX, this time I asked to speak with a manager but they told me one was not available and I asked who would be calling me back, the representative said XXXX XXXX will be calling me back. Since I am tired of wasting my precious time on wait time every time I call, and tired of not getting nowhere with this " company ''. Please have them fix whatever issue they have so I can use the card, and since when I applied for the card this had a promotional 0 % APR for 15 months on purchases and balance transfers with no annual fee. I would like for them to extend the promotional offer for 3 months after the original 15 months expire, since I have not been able to use the card due to their incompetence as a " company ''. Horrible customer service. They pulled my credit, approved me for the card, and haven't been able to use it. I am attaching a copy of the message I get on their website.
Consumer complaint received 2018-08-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (KS)

On XX/XX/2018, I sent a letter to AFNI asking for validation of a debt they claimed I owed. As of XX/XX/18, I have not received a response from the above mentioned company of my request for validation. On XX/XX/18, I sent a certified letter dated XX/XX/18 that was received by their company on XX/XX/18 stating that they are in violation of the FCPDA and requested that I hear back from them in 15 days. On XX/XX/18, I received a letter from AFNI dated XX/XX/18 which is more than the 30 days allowed to validate the debt. In this letter they stated that they investigated my dispute and have verified the debt. As of XX/XX/18, I still have not received any of the requested information I listed in my previous letter dated XX/XX/18 asking for validation proof.