davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (NJ)

in XX/XX/2018 Discover called to set up a payment arrangement for Discover card they told her that the charges were right at {$2500.00}. After doing some investigation we discovered that that was not the charges that I have made. My total charged on the account were less thaN {$700.00}. I submitted bank statements, police report, statements from the bank of the fraudulent account stressing to the fact that I did not have, nor had I ever, had an account with that bank, however the fraud department of discover card services section of chose to hold me liable for the charges on the account saying that since they had previously received payments from my XXXX account that the other account had to be mine also. They did not, per their representative, did not investigate the fraudulent bank account, they did not contact the merchant where the fraudulent charges were made, they did not except the police report and they did not remove the fraudulent charges. Discover did not do anything to resolve this issue, or too verify any of the evidence submitted.
Consumer complaint received 2019-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BMO Bank, N.A. (IL)

I opened a BMO cash back credit card in XXXX. Per the promotion, I'd get {$200.00} bonus after spending {$2000.00} within the first 90 days after the account is opened. {$2000.00} was spent in late XXXX and got posted in early XXXX. However, I still haven't received any opening bonus yet. I stopped by the local branch in XXXX and the banker told me to come back in XXXX if the bonus is not posted till then. I came back to the branch in XXXX and was told that the bonus would be posted in the XXXX statement. However, I still haven't got it yet till NOW. 

I'm so frustrated with BMO bank, and I would greatly appreciate it if CFPB can help step in.
Consumer complaint received 2019-11-04
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)

My name is XXXX XXXX. I have a problem with one of my XXXX XXXX credit cards reporting 30 days late on my report. In XX/XX/XXXX I lost my credit card, I did not notice card was missing and never opened statment be cause I paid off ballance in XXXX. I found out when I applied for a loan that card was reporting 30 days late. I called XXXX XXXX and explained what had hapened. I filled a police report, I wrote a leter to XXXX XXXX explaining what happened. After a month or so they rufunded charges, but they never removed 30 day late from my credit report. I have tried to resolve this through phone calls and letters but have been unsucsseful, please help.
Consumer complaint received 2023-06-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO. (CA)

Today, I have my bank account with XXXX wiped out over {$5200.00} and overdrawn by {$1600.00}. I was informed by a XXXX party that sent the court order to the bank I had a judgement against me ( first time I find out ), had to call the bank to get their info. I was never served nor did I receive a notice. Last communication I had with the owner of the debt, XXXX XXXX XXXX was that I had the intention of paying but could barely survive making {$12.00} per hour back in 2013. Apparently, a judgement with the ability to lean my bank accounts was filed in 2013. How can I have a judgement and court proceedings without having been served or a notice received?
Consumer complaint received 2019-11-04
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. (OH)

I WAS IN THE HOSPITAL FOR XXXX XXXX AND SOMEONE ACCESSED MY PERSONAL ID AND FINANCIAL INFORMATION. I HAVE SEVERAL ACCOUNTS THAT I DO NOT RECALL DOING BUSINESS WITH THE FOLLOWING COMPANIES XXXX  XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX/XXXX # XXXX, XXXX XXXX # XXXX, I HAVE FILED A REPORT WITH THE FTC AND CFPB.
Consumer complaint received 2022-12-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (FL)

I was approved for the XXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/2022 ( See attachment ) XXXX XXXX mailed payment on the first of each month to the service provider ( US Bank Mortgage  ) service provider received the payment around the XXXX day of each month. 

I make my mortgage payment of {$360.00} XXXX on XX/XX/2022 loan balance was {$47000.00} ( See payment history ) On XX/XX/2022, and XX/XX/2022 total of {$720.00} Instead of applying each XXXX payment to my mortgage, they deposit it in a suspense balance. ( See attached ) Now my loan balance is {$47000.00} this is incorrect. please investigate my payment history and make adjustments accordingly. 

Thank you,
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The information you provided is different from other bureaus. This account is reporting late, in my XXXX Credit Bureaus. Also, please reinvestigate the whole information especially the account type, account status, payment status, comments, and payment history. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaintsXXXX  XXXX Balance : {$8100.00} Date of Late Status : XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX
Consumer complaint received 2019-11-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (PA)

On Or Around XX/XX/2019 I Filed A Dispute for the following XXXX Purchases Screenshots will be provided. And Or About XX/XX/2019 I Received the following documents from my Bank PNC NA Stating the Transaction Is Valid Under state and federal Laws if a merchant does not meet a agreement or criteria such as honoring a promised refund It Does Constitute a valid Transaction i was promised a Refund from two XXXX Employees XXXX  and XXXX And was never Recieved which would break the transactions Validity And the pnc mercananct agreement between PNC And Third party XXXX Screenshots will be provided failure to Make temporary credits permanant may Result in a lawsuit under state Guide lines in Magisterial Court under my Belief of wrong doing. I Request pnc cease and decist the Amount being put back on the account at which phone calls where made and was told. This documentation was revieved.
Consumer complaint received 2019-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (FL)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that SYNCB/JC PENNEYS has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-11-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (FL)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2019-11-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XXXX XXXX bank of America closed my 2 personal credit cards and one business credit card without further notice, after I contact them they told me its because your personal account and they schedule to close my checking and saving account for the personal and business account in 21 days. My fico score is XXXX and I have very good credit with other banks like XXXX. 
The closing of my credit cards without allowing me to transfer it to another institution will make me loose my credit history and this will effect my business and my personal life.
Consumer complaint received 2019-11-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CO)

Sometimes in XXXX of 2017 I spoke with a Home Depot Sales Person about a window. He brought a sample of the window to my house to show me. I agreed to order it with a down payment. He tried to order the window 3 times, but it was the wrong size window every time they tried to install them. Finally, I changed my mind and told him to cancel my order. XXXX was okay with it and told me that a credit would be issued. When I received my 1st statement with that charge on it ( {$1700.00} ), I immediately disputed the charge. They sent me a copy of job completion with the salesman 's signature on it as " Homeowner ''. I never signed anything regarding that window. I even sent a copy of the credit invoice given to me by the sales person with my dispute to prove they are wrong. They still did not believe me. If you look at the job number on the credit invoice, it matches the same job # as the original invoice they sent back as a result of my dispute ( Job # XXXX ). Since then, they have reported this issue to all 3 credit companies.
Consumer complaint received 2019-11-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

For the past couple of months, I have been getting phone calls from XXXX XXXX about a credit card from HSBC Card Services that it says I owe money for. They had an old  address of mine from 13 years ago, and said they have been trying to contact me, and that they were going to have me served with legal paperwork at work. 

On the first call, I asked them for more information on the debt, they said it was an old credit card, and that it was charged off in XX/XX/XXXX. I explained that I had no idea what card that is, as I have not lived at the address they say the card was opened at for 13 years. I asked if they could send me some paperwork so I could verify the debt, and provided them with my current address. The paperwork never arrived. A few weeks later, they called my job, and the call ended with the same promise - they would send me documents to view, and if it was not mine, all I had to do was fill out the form stating it wasn't, and send it back. Again, nothing arrived. 

On XX/XX/XXXX, they called my uncle, and stated they need me to contact them. I called them back, but they did not pick up. On XX/XX/XXXX, they called me again, and I again stated that I did not know which card they were calling on. I told them the only card I've ever had from HSBC I closed in XX/XX/XXXX. I asked if they could provide any information, as I was concerned someone opened a card in my name without my knowledge. They refused to provide me with the last date of payment, the date the debt was defaulted on, date it was opened, or anything other than the name of the original owner of the debt, and they could not. I told them if they could provide me with proof it was my debt, and that it was not beyond the statute of limitations, I would work something out. 

After this, the representative started to yell at me, accused me of being a liar, trying to steal money, etc. When I said I simply wanted proof it was my debt, she said I would get that proof in the form of a lawsuit. Again, I said I merely am asking you provide me with enough information to validate its my debt, and not beyond the statute of limitations. Again, I was told I would be sued, but not only that, but that they would ruin my credit and post it to my credit profile in 2 weeks. She then hung up on me. 

I panicked, and called back, many times, asking them to put me in touch with a manger, or someone who can help. Asked every time, not to be put in touch with the rep in charge of my account because she kept calling me names and threatening me, and that I need someone to work with me. No luck. When I ask for their address, they refused to provide it, and disconnect the call. 

They use robo calls that leave threatening messages. The rep in charge of my account is XXXX XXXX, and the number they have on file is XXXX
Consumer complaint received 2019-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: DISCOVER BANK (CA)

THERE IS ACCOUNTS OPENED IN MY NAME THAT I HAVE NOT AUTHORIZED. I AM A VICTIM OF IDENTITY THEFT. DISCOVER FIN SVCS LLC WAS OPENED IN MY NAME WITHOUT MY AUTHORIZATION IN XXXX, XXXX IN THE AMOUNT OF XXXX. XXXX XXXX WAS OPENED IN MY NAME WITHOUT MY AUTHORIZATION IN XXXX, XXXX IN THE AMOUNT OF XXXX. DISCOVERBANK WAS OPENED IN MY NAME WITHOUT MY AUTHORIZATION IN XXXX, XXXX IN THE AMOUNT OF XXXX.
Consumer complaint received 2017-12-28
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: LendUp Loans LLC (MO)

I had borrowed  $XXXX for 30 days.  Payback was to be $XXXX. To be repaid on XX/XX/XXXX.  The funds were there!  My account was debited twice, and credited once.  Received an email attesting to this error.  XXXX said it would be corrected by the end of the business day on XX/XX/XXXX, or at the very latest, XX/XX/XXXX.    As of today, and after numerous phone calls, emails, I still do not have my money.I simply want my money back.  This whole incident has been a travesty.  I have provided proof that they deducted the monies X's 2.Hopefully you will be able to help me to recover my money.Sincerely,
Consumer complaint received 2022-07-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

accounts showing past due when they are current dept of Ed/XXXX no late pay Dept of ed/XXXX no late pay these accounts are in deferment and should not be showing 30/60/90 days past due
Consumer complaint received 2019-11-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alacrity Collections Corporation (PA)

I placed an online order with XXXX  XXXX XXXX on XX/XX/XXXX, with delivery scheduled ( via the tool on their website ) on XX/XX/XXXX. Every item I ordered was clearly marked as In Stock and Ready to Ship. My order did not ship on XXXX. I contacted the company over and over, and was repeatedly promised shipping dates that came and went. 

Finally, on XX/XX/XXXX, I notified them that theyve missed too many deadlines and directed them to cancel the order. On XX/XX/XXXX, I received an email saying that they were shipping my order. I replied within 11 minutes that the order had already been canceled. On the same day, I received an email from XXXX XXXX from XXXX XXXX XXXX, apologizing for this unfortunate situation and assuring me that she would contact XXXX to have the order returned. Per XXXX, the order was returned back to the company on XX/XX/XXXX. Now 6 months later, they've fraudulently sent the account to collections ( a total of {$1000.00} ).
Consumer complaint received 2016-01-07
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

We were in the process of a loan modification. It was a long frustrating road but we had finally gotten approved for a Partial Claim Modification. We have a trial period starting in XXXX with a payment of {$1400.00}. We were actually very relieved to receive this outcome. Two weeks go by and we receive a letter in the mail from BOA stating that our escrow account was revisited and our new payment would be {$1600.00}. I call my XXXX and ask what was happening. She tells me that something must have changed from last year, such as ; property taxes went up or my homeowners went up. I explain to her nothing went up. I know this because we receive copies of our tax documents and homeowners. She tells me she was going to have a customer service agent come on and explain it to me. The XXXX tells me all the scheduled payments being made to city taxes and homeowners. Everything she is explaining is also in the letter received. My new monthly escrow payment is {$570.00}. I ask the XXXX what was last years escrow payment. She tells me {$610.00}. I thank her and my XXXX comes back on the line. I tell her I am at a loss because my escrow payment actually went down from last year. She just keeps repeating herself, stating that they are not obligated to give me a lower payment. Basically we ended the call with NO explanation on how or why my mortgage payment went up {$250.00} before I even made the first payment. I feel that BOA is trying to take advantage of us in a desperate situation. I am already upside down in this mortgage. We owe over {$190000.00} and the last house that was on the market sold for {$75000.00}. We truly can not afford another {$250.00}. Someone please help us. How is this legal??
Consumer complaint received 2019-11-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

I noticed an account placed on my credit by this company and took the initiative to call and asked for validation of the debt in order to resolve and reconcile the account in question. I recall speaking to a female representative who informed me I would receive an Itemized bill to breakdown the charges as well as services render. I provided both my email and mailing address and have yet to receive document to date. Around that same timeframe the company did remove the account from my credit in which I thought was to have me validate and confirm charges with the requested documentation, NOPE! ( Because I never got it ).  Ironically they placed it right back which affected my score immensely. How do you want me to pay a debt but refuse to send me documents? its been more than 6 months since I requested this! Not ethical or logical! Furthermore, if they are refusing to validate the debt it is not fair practice to keep placing this on my credit and then later decide to remove it just to place it back.! Collecting on a debt but refusing to send proper validation! Unbelievable!
Consumer complaint received 2019-11-03
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: BARCLAYS BANK DELAWARE (MT)

This was the result of identity theft ; I can't recall ever submitting information to this company. 
Please remove immediately : BARCLAYS BANK DELAWARE Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX, DE XXXX
Consumer complaint received 2019-11-03
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 — Was not notified of investigation status or results
Company: LEXISNEXIS (WI)

On XX/XX/XXXX I sent my second certified letter asking for a method of verification on a bankruptcy that they are reporting incorrectly on my profile and reporting to the other credit bureaus they received my letter on the 11 and they had 15 business days to verify how the got this information and I informed them that it had to be from the original creditors which in this case would be the Wisconsin bankruptcy court I also sent them a letter from the bankruptcy court stating they dont report to any credit agencys or any 3rd party creditors so they are in violation according to the fair act
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation (CA)

On XX/XX/XXXX I inquired about loans from One Main Financial. On the final page, which is intentionally created to confuse the consumer, it says to check a box if you would like OMF to show you offers for loans and that they would then check your credit.

HOWEVER, below that it very clearly states that having OMF check your credit will NOT affect your credit. ( Please see screen shot attached ) Within seconds of agreeing to proceed all my credit reports were hit with a hard inquiry. 

I called OMF on XX/XX/XXXX asking why this happened and then I was given the run around that I needed to speak to a specific department and to call back Monday. 

I called today and was redirected twice to a department that was clearly set up to handle this exact issue. There are thousands of complaints about this issue online. Like reading from a script they denied their authorization was deceiving or confusing and refused to remove the inquiry. They also will not stop calling me or emailing to approve one of the loan of offers. Pure harassment at this point. 

This is a very intentionally deceptive practice clearly created to confuse and bamboozle the consumer. 

OMF has numerous lawsuits and complaints for deceptive practices spanning years. This is simply another attempt to scam and harass the consumer.