davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Convergent Resources, Inc. (MI)

This was an account that was not opened by me and should not be on my credit report. I have investigated the origin on the creditor and have found out that I did not give consent to have this account opened
Consumer complaint received 2019-04-24
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

I gave no authorization for my credit report to be pulled. For our mortgage approval the request specifically said to pull only my husband 's report. The auto inquiries pulled over the last couple weeks was supposed to be limited to one bank, not the multiple inquiries that I see on my report
Consumer complaint received 2019-04-24
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: EQUIFAX, INC. (NY)

On XX/XX/2019 I disputed inaccurate incorrect erroneous information damaging my credit file with Equifax via its Online dispute system. I submitted documentation and filed a dispute regarding incorrect inaccurate name and address and phone numbers and spousal information. Equifax received my dispute and stated it would contact me with the results. 

On XX/XX/2019 Equifax contacted me via email and informed me the investigation into my dispute had been resolved and the information was available to me via an online link provided to me through the email notification sent to me. I attempted to access this link on a number of occasions between XX/XX/2019 and XX/XX/2019. 

Finally on XX/XX/2019 I contacted Equifax and spoke with a representative named XXXX who told me the link was available and if I could not access it, then my only options would be to discuss it with her by phone or request my credit report by mail. 

On XX/XX/XXXX, I sent a request to Equifax via Priority Mail requesting my the results of my credit dispute which they have hampered in providing me through broken and/or damaged email links which were never active.
Consumer complaint received 2018-07-10
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 (MN)

I have lodged disputes with Discover and XXXX XXXX with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, with subsequent requests in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. During the timeframes listed I also asked for assistance from each of the credit bureaus.
Consumer complaint received 2019-04-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: PNC Bank N.A. (NJ)

I received a letter from PNC stating my account should be closed by XX/XX/XXXX as a business decision by PNC bank. I spoke with XXXX from PNC corporate office in XXXX, PA on XX/XX/XXXX. I have sent him numerous emails and calls and he has not contacted me back. 

I am being charged fees from my credit line and service charge fees as my accounts are still open. All my accounts need to be closed ASAP and all fees waived by PNC Bank as they did not execute the closure by XX/XX/XXXX.
Consumer complaint received 2019-04-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: JPMORGAN CHASE & CO. (CA)

Dear Sir/Madam : I have enclosed cover letter, exhibits group A and B, nature of the complaints and 'things worth to take a second look ' into my encountering of the predatory loan process in last XX/XX/2018. The application took place at the commercial lending department at JC Morgan Chase, located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. I have two major complaints, one is the client manager teamed up with 3rd party ( XXXX ), to prey on his applicant for more fee and charges to close the loan. The other complaint is I was misled by false advertisement, 'flyer of 5 free '. The client manager gave promise there would be only {$2000.00} charge for the loan process, the other {$7000.00} deposit would be refundable even I elected not to close the loan eventually. Everything I said herewith is the whole truth, nothing but the truth. 
Sincerely, XXXX XXXX
Consumer complaint received 2019-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

From XX/XX/2018 till now our account has been charged a monthly fee of {$16.00} per month ( total of {$80.00} ). Last year when I checked with the local branch they told me that our account has no monthly fees regardless of balance. They completely lied and misrepresented the facts. They are not responsive. This amount should be refunded and we will close this account in the near future. Bank of America lied, WE WANT OUR MONEY REFUNDED.
Consumer complaint received 2023-07-20
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: DISCOVER BANK (IL)

This is in reference to a Discover Acct ending in XXXX. I am lodging a new complaint in reference to a adverse decision that Discover made in a complaint that was closed. Complaint number : XXXX.
Consumer complaint received 2019-09-19
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: Western Credit & Collection Service, Inc. (OR)

I filed a complaint with you against Western credit in XXXX Oregon keeping a report which is not correct on my a record affecting my credit score it's been way over two months nothing 's been done the  investigation that you did proves bias and discrimination because it's still there and nothing 's been done all you have to do is verify that my State insurance XXXX through the Oregon XXXX plan has already paid that bill over 3 years ago it's not my job to do anything since I've done everything I'm supposed to do it's your job do you do it correctly and to research this the right way and not just take someone's word for it because that is discrimination bias and I will sue you in a court of law if you don't fix the problem XXXX XXXX
Consumer complaint received 2019-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (NY)

to whom it may concern I was mislead by this credit card by PayPal I received an offer for this credit card with terms saying I have the right to access my transactions making payment redeem my points online anytime I want and I will receive an online statement every month meanwhile ever-since I got this credit card I was blocked from access my account information they send me an email saying I should press the option in the email to be able to see my statement but when I do it tell me login Not permitted and this the same message it tell me every time I try to login to my account to using my XXXX or my lopped or even my desktop .this happening for more than 6 month I am not able to see my statement my transactions or redeem my points that I earn using my own money. I believe the reason behind all that so I can say when they overcharging me from interest and fess giving the fact they blocking from even making payments online which this violates the terms I was giving by them and this make me using the phone system to making payments which it takes me up to 34 minutes to make the payment. Attached screenshot of my attempt to access my account
Consumer complaint received 2021-02-14
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I was sent a Arizona PUA Bank of America Card in the middle of XX/XX/XXXX, the card was never received. I called inquiring why I havent received my card in the beginning of XX/XX/XXXX and found out the card sent was stolen and the funds have been fraudulently used. Upon calling Bank Of America they said the card was just left on my porch when delivered through XXXX. I had a new card sent after filing a claim with the fraud department and upon receiving it I went to go activate it and was told my account has been frozen. This is ridiculous that funds can be fraudulently taken out of my account and when I try to get it resolved they freeze my account.
Consumer complaint received 2019-04-24
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. (VA)

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX/XXXX XXXX**** ; XXXX/XXXX XXXX**** ; XXXX   XXXX****
Consumer complaint received 2019-04-24
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. (VA)

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; ( Original Creditor : ) XXXX ; ( Original Creditor : ) XXXX and XXXX XXXX
Consumer complaint received 2023-01-27
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. (IN)

This is my second attempt to correct this incorrect information reported on my TransUnion credit report. 

On XX/XX/XXXX, I mailed a certified letter to TransUnion LLC Consumer Dispute Center at XXXX XXXX XXXX, XXXX, PA XXXX. The letter was in regards to an incorrect late payment reported on my TransUnion credit report. 

The disputed account name on my TransUnion credit report is " XXXX XXXX XXXX XXXX The account number is XXXX. 
The disputed payment is dated " XX/XX/XXXX '' I have never been late on any payment. I have provided a copy of my letter to TransUnion. I have also provided a copy of my XXXX credit report showing this payment was made on time. I have also been denied credit offers due to this error being reported on my TransUnion credit report. 

In response to my dispute, TransUnion mailed me a letter stating that the disputed late payment has been validated. I am questioning the quality and results of their investigation of my dispute. How can the late payment be validated when I have made all payments on time for this account? Here is my certified USPS tracking number : XXXX.
Consumer complaint received 2018-07-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (MA)

On an ongoing basis, when I receive my XXXX 's bill, I pay the balance in full. Each time I pay the balance in full the following month I receive my statement stating that I owe {$2.00}. Each month I call and the automated system then removes the {$2.00}. This month I was frustrated with having to call each time to have this removed. I am sent a bill, I pay the full balance of the bill, in the correct amount of time allotted, yet I am charges and " interest fee '' for the balance. Who is to say if I pay that {$2.00} they will not charge me another " minimum interest fee ''. When I spoke to a representative, they explained this is the interest generated on the account from the time the previous statement closes until the payment is received. Here is my problem which I will attach 4 statements to clarify, in XX/XX/XXXX I paid off {$82.00} and change bill, I received a {$2.00} interest fee for " the accrued interest from the previous statement until I paid it off '', in XX/XX/XXXX I paid {$49.00} to pay off my bill, a lower amount that XX/XX/XXXX, yet my accrued interest on a lower amount was the same {$2.00}. My feeling is, if I pay a bill off, I pay it off, there is no other interest if paid in that statement. The {$2.00} is way of XXXX 's either making people feel they underpaid their statement and they are collecting it, or people do not notice it and the next month have a {$27.00} and a 30 day late penalty on their credit, because of a late payment and thinking they paid the bill off. 
This is a sneaky business practice needs to be corrected.
Consumer complaint received 2021-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/XXXX my bill did not go through account with 1 missed payment. I am kindly requesting WELLS FARGO FINANCIA ( Opened XX/XX/XXXX ) to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Consumer complaint received 2019-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/XXXX for the amount of XXXX and XX/XX/XXXX in the amount of XXXX, I made payments through my online bill payment to Cabelas MasterCard. I received a notice that my account was past due. After some investigation a couple weeks ago I found out that they never received the checks my bank had sent. After contacting my bank, XXXX XXXX XXXX XXXX, they told me that those checks were cashed and cleared my account. After they sent me copies of the checks I see that my Cabelas account number on the top of both checks was crossed out and an account number was hand written on the checks as youll see in the photos I submit. The checks were also deposited by XXXX XXXX which youll also see on the back of the checks. I have no account with XXXX XXXX and I have no clue as to why they ended up with my money. So I called them last night and they would not help me or give me any information. So at this point Im out a total of XXXX dollars and my credit is being affected for late payment to Cabelass. Im not making any further payments until this is resolved. I would greatly appreciate any help. My bank told me to contact you guys for a resolution.
Consumer complaint received 2019-04-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NC)

Navient, years ago, had contacted me about consolidating my loans. I did so with them, but they still appear to be charged interest on BOTH loans separately. Not only that, but they convinced me to go into forbearance at the beginning, so I had several years of not paying the loan without accruing interest. However, once I started repaying the loan, the interest came into play with a vengeance, and turned my {$10000.00} ( approx. ) worth of owed money into almost {$15000.00}! I began paying Navient in XX/XX/2017, and had made a significant amount of payments on the loan and the interest ... or so I thought. After over two years of consistent and costly payments -- ie. paying more than the required monthly amount for more than a year -- I still have over {$12000.00} owed. I have attached the report of my payments per the life of my loan as something is not adding up and I believe Navient is not using my payments to actually pay off the loan or the interest I originally accrued.
Consumer complaint received 2023-06-28
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)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt It has been XXXX days and you are in VIOLATION of this law because I am a victim of id theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2022-11-30
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$690.00} ; XXXX XXXX XXXX Balance : {$710.00} ; XXXX XXXX XXXX XXXX Balance : {$2600.00} ;
Consumer complaint received 2024-03-03
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. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2019-04-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PulteGroup, Inc. (IN)

OnXX/XX/XXXX, I signed to purchase my home. Prior to signing I inquired about the process because I have graduate student loans. I was told they would not be an issue. I applied with Pulte mortgage and was denied. 

After my denial, I talked to other mortgage lenders and obtained a pre-approval. I was then advised that because I am not using Pulte Mortgage I had to pay the closing costs. 

As an attorney, I researched the issue. I believe the financial incentive allowed for Pulte mortgage is contrary to what the CFPB has said. The idea was to protect consumers and place all lenders on an even playing field to protect from a housing crisis like what occurred in XX/XX/XXXX-XX/XX/XXXX. It is my belief the incentive offered to use their preferred lender is in violation of rules set by the CFPB. I talked to the sales consultant and was told that is their policy. I spoke to the consultant 's manager and was advised the same. I received a call from a Pulte mortgage person and was advised they will look into the issue. 

The acts of Pulte Builder offering incentive to use their preferred lender is unfair to other lenders and offers an unfair advantage to their lender at the detriment of consumers.
Consumer complaint received 2019-04-25
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Berlin-Wheeler, Inc. (Kansas) (AZ)

I received a bill that my mother owed dated XX/XX/XXXX. My mother has XXXX XXXX and I had worked with XXXX XXXX prior to this. Apparently it went to Berlin-Wheeler. I sent them a check in early XX/XX/XXXX for the balance of {$52.00}. On XX/XX/XXXX I received a voicemail from BW and called them right back. The representative I spoke with was short, rude and abusive. She claimed the bill is now for over {$100.00} and would not answer any questions of mine. We both became confrontational and she terminated the call after I asked if we could talk like adults. All she wanted was a payment. 

I would have been happy to explain the circumstances and that I had mailed a check but this person would not have a conversation with me after explaining my mother had XXXX. 

I have worked in this industry for years. This employee needs to find a better role off the phones. 

I request this bill be zero 'd out immediately and the reporting on my credit be removed within 30 days. I will take legal action and continue to have the CFPB and other Federal and State regulators speak on my behalf if not resolved within that time. 

I also request the CFPB to investigate this firm for flagrant violations of FDCPA and other similar regulations that govern third party collection agencies.