davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (VA)

I have never been 30 days late with a lender. I made a payment in XXXX that was frozen due to fraud on my personal bank account. I was not notified that Lowes was not paid until they reported that I was 60 days late on my credit report. I have spent several hours and made several attempts to get this corrected, but they have not helped me.
Consumer complaint received 2019-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc. (TX)

In XXXX of XXXX, I went to their store and applied for their financing of furniture. I did not take possession of the furniture. The first payment would have been due on XX/XX/XXXX -- if the items had been received. In XXXX of XXXX, I started getting past due notice and then realized that they had put it on my credit report with all three bureaus. I called them and was told I still had to pay for the items because they were holding them in the warehouse. I asked to speak to a supervisor who informed me that was not true and the store had returned all of the funds. I asked why was there still a balance on the account? He told me to go to the store -- I did they gave me a print out of the account. the full loan balance was {$8700.00} which broke out {$7800.00} to the store, {$950.00} for insurance ( which was not supposed to be on there because I had renters insurance. ) ( I have the contract ) The print out from the store shows they returned {$7500.00} which left {$240.00} for a pair of XXXX earbuds that was supposed to be charged to my card. I went back home and called them told them I had the printout and my balance and paid it ( I have my receipt ). They asked me to fax the printout to them which I did. 3 months later the account is still open with a {$400.00} + balance. My credit report since XXXX has shown that the High balance on this account was {$8800.00} with a monthly payment of {$350.00}. It is now showing that I am 30-60 days  delinquent ( I have the print out ). They send me harassing emails everyday ( I have saved them ), letters every week ( I have saved them ), they were calling me every hour during working hours until I told them to remove my number. I have exhausted myself trying to get this account closed and this negative item removed from my credit report. I was in the process of getting pre-approval for a home loan which is now on hold until this is cleared.
Consumer complaint received 2021-10-30
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: JPMORGAN CHASE & CO. (NY)

I was received a promotion by chase to be able to transfer {$1700.00} with 0 % APR. I happen to make the transfer from my citi bank account to chase. I happen to see that chase approved the transfer but was not seeing the reflection on my citi bank account. A week had passed and they were telling me it could take time. I happen to call about 2 days ago and I then come across a representative that told me I happen to plug in the wrong numbers to the account. I couldnt understand how was it that it was approved without the numbers being completed of where it was being transferred to. I then ask the representative about this and he explains when you do it online the bank does not verify anything they just see if its approved or not. I was never sent an email nor given a call about the numbers being incomplete. They then go to tell me if I fix it I may not have enough time to take advantage of the promotion because it takes 30 days to fix. I called in to just cancel everything because my credit usage is higher due to this transfer I was initially suppose to make. I dont think its fair I have to wait 30 days for this to be fixed when it should of never been approved if the information didnt match.
Consumer complaint received 2022-06-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (GA)

A second mortgage was taken out with XXXX XXXX in XXXX for XXXX. 
In XXXX it was sold to Specialized Loan Servicing. I made all required payments. In XXXX I filed XXXX XXXX. 

XXXX XXXX XXXX XXXX of the XXXX Bankruptcy XXXX did enter an Order on XX/XX/XXXX stripping the second mortgage XXXX on the property effective with the entry of an Order discharging me in this bankruptcy case. Furthermore, the XXXX entered an XXXX discharging me from the case on XX/XX/XXXX. 

After said discharge this company continue to send me monthly bills, when I tried to contact them no one would help or entertain my calls. Recently, I am getting alot of mail and people representing the lender leaving notes on my property regarding an outstanding balance and/or pending foreclosure. Ive called them hundreds of times and can not get past the first contact to resolve this issue. 

In accordance with the FCRA Specialized Loan Services has violated my rights. XXXX XXXX XXXX Section XXXX states I have a right to privacy. XXXX XXXX XXXX Sec. XXXX Sec XXXX a consumer reporting agency can not furnish a account without my written consent. 

A discharge under XXXX XXXX. XXXX ( a ) was granted, This order means that no one XXXX make any attempt to collect a XXXX debt from me personally. XXXX creditors has asserted a deficiency and sent people to my home to collect on a XXXX debt.
Consumer complaint received 2019-04-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc (TX)

I did not become aware of the debt until it was reported to the credit monitoring companies. The debt should have been paid by insurance. The debt of only {$280.00} took my credit score from over 800 to under 700. I have paid the physician and asked the collection company provide a deletion letter to recover my good credit score,  because the debt was resolved, however, the collection company claimed to have a company policy against sending deletion letters, and they refused. This is particularly damaging because I am in the process of buying a house. Their refusal to send a deletion letter due to a company policy will cost me {$3000.00} per year in increased interest.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (AZ)

On or about XX/XX/XXXX I paid XXXX XXXX XXXX {$7200.00} as payment for work on my home, in XXXX I had paid them {$13000.00} as a deposit. Since that time I have found numerous deficencies in the work 2.5 bathrroms tile and not been sealed and caulk was cracking and falling out, new floors had paint on them, paint was not completed or poor quality, paint dumped in side yard. They installed a new tub that was cracked in two places any many others.They have been here 4 times to fix problems but have not fixed any of them. They have no interest in making it right because they have been paid in full. In XXXX I filed a dispute with my credit card Chase. A month later I called to see what the status was ... they had closed the dispute, without contacting me for any further info. I have 62 emails and photos between myself and XXXX XXXX detailing the issues, in one he agrees all these items need to be repaired. On XX/XX/XXXX I again attempted to file a dispute and called them to ask what info they needed. They said at this time they did not want the correspondence or photos, I mailed them anyway.. On XX/XX/XXXX, they sent a letter saying they would contact me if they needed anything else. On XX/XX/XXXX, I again called Chase claim ID XXXX and was told the merchant had not replied and after 2 billing cycles without an answer from XXXX XXXX we would receive a credit, They did not contact me. On XXXX XXXX, I called Chase and was told the dispute had been closed. I was advised that they needed more info from me. I have had no phone calls and one letter letting me know they had received my dispute and would be contacted if they needed more info. They have not contacted me in writing or telephone and both times closed the dispute without asking for any further info.My husband and I both have cell phones and a landline with voicemail.If any documentation is required I will send 62 emails between XXXX and Myself. I have now lost the 60 day window to dispute the initial XXXX with my bank ( XXXX XXXX XXXX paid as a deposit to XXXX XXXX, because Chase has not made any attempts to resolve this issue.
Consumer complaint received 2019-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2019 I checked my checking account with Chase bank and there is still a {$61.00} overdraft fee or bank error fees on my account that hasn't been credited back to my account. 
I have a XXXX Checking account with no maintenance fees or any other fees. 
I am XXXX XXXX and XXXX.
Consumer complaint received 2018-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BBVA FINANCIAL CORPORATION (CA)

The CFPB has jurisdiction over this isssue because as a consumer I have been victimized by unfair, deceptive, and misleading practices by the bank where I Have been a loyal and responsible user, discriminating against me unfairly and without good cause. Therefore, I am protesting the wrongful and unlawful closure of my credit card ending in XXXX that was NEVER DELINQUENT. 

1. I opened this credit card around XX/XX/XXXX and was NEVER DELINQUENT, as you can see by my credit report this card was never 30 days late, etc. because I managed this debt responsibly. I am XXXX due to XXXX, and I require this card to make medical purchases. 

2. On or around XX/XX/XXXX my card was lost and I contacted BBVA Compass Bank to request a replacement be mailed to me. 

3. While waiting for the card to arrive, I paid the card in person at the branch. I was informed at the branch the replacement card was on the way. I was never informed by the branch this card was closed, and I had no reason to believe my account was closed. 

4. After waiting for months for my replacement card, I checked the status online : As of today online the account shows available credit of {$490.00} ( Exhibit 1 ), 5. Also, because I have still not received my BBVA Compass Bank credit card, I phoned in to Compass Bank, and was informed today that my account was closed because it was late, which is why I was not issued a replacement credit card.

5. Compass bank is misleading me by violating Regulation Z Truth in lending by stating to me the account is closed yet reporting an available credit for this account online. I never received a notice this account was closed, nor did i have the option to dispute this, and I would not have suspected this account was closed because the website states an available balance. 

6. To investigate this matter I went to the added expense of pulling my credit, and was surprised to find out from my credit report that this account was closed despite the fact that the credit reporting shows it is never late ( Exhibit 2 )
Consumer complaint received 2022-03-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MD)

I faxed over 22 pages of a loan modification to PHH mortgage on XX/XX/XXXX. Spoke to a relationship manager on XX/XX/XXXX went over what was missing faxed over the missing documents ( signed tax forms ) went over pay stubs with relationship manager while on the phone, they also stated my name was not correct on paper work. Im XXXX XXXX XXXX I know my name. XX/XX/XXXX I had an appointment with the relationship manager my phone rang once and they hung up I called the company ( phh ) and they called again rang once hung up again. Every time I speak to them something is missing Im now in XXXX and nothing is done, today the relationship manager called and told me I have to start all over again. This has been 3 months now. My ex wife filed bankruptcy and has been discharged and they still refuse to remove her. I cant get anywhere with this company
Consumer complaint received 2021-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My vehicle loan is thru XXXX. They are reporting the loan as open and current however Equifax continues to report this loan as Closed. The issue started about 6 months ago. I would dispute and it would get corrected, however it has now been reporting closed since XXXX 2021. XXXX has tried to get it corrected but the issue remains.
Consumer complaint received 2019-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (MI)

This is in regards to the original complaint XXXX. 

Company responded with original decline letters, and additional information. The additional information specifically states that they refused to take a fresh pull of my credit information and was going on information obtained before I applied to unsecure this card. 

This company declined my request based on negligence, laziness, and refusal to properly engage in fair credit practices. Why are they allowed to make a decision based on outdated information? 

In addition, i made it very clear in my complaint that all my revolving debt is paid monthly now, and they cited having a " high revolving credit '' as the reason I was denied, Since when is less than 10 % credit utilization considered high? 

They also claimed I have a credit score of XXXX, That is incorrect. My credit score is XXXX, not XXXX. Why is the CFPB closing a complaint when it is so obvious that the credit card company is negligently lying to the CFPB and giving misleading information? 

USBANK, Last chance to fix this issue, the next step for me is going to be retaining a lawyer and starting the extremely expensive discovery process, and the process of moving this into a class action lawsuit to find others like me who you have negligently lied to
Consumer complaint received 2019-03-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I just realized that I had this debt on my credit file, never receive any kind of letter trying to collect or dispute the debt called the company and there were unable to offer me enough information in order to verify the debt, still got into an agreement to pay it, they told me it would be removed withing 15 days of my credit report, and my credit report still showing the collection charge.
Consumer complaint received 2018-12-19
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ProCollect, Inc. (TX)

**Repeated robocalls and personal voicemails left from an individual, despite being verbally told to stop several times. Was told by them that they can't stop, as if they have a right to harass. 
**Calls from XXXX area code ( XXXX ) have been blocked, as they try to call from different numbers, but still XXXX area code. They are leaving repeated voicemails in an attempt to full up my voicemail system. 

**Last attempt was today, XX/XX/2018 : -Blocked call from XXXX area code sent to voicemail w/message left @ XXXX, XXXX -Same area code called right back w/message left @ XXXX, XXXX.
Consumer complaint received 2018-09-11
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Re : Bank of America Cash Rewards Credit Card I signed up for a Bank of America 's Cash Rewards Credit Card because their Ads state, " {$200.00} online cash rewards bonus if you make at least {$500.00} in purchases in the first 90 days of account opening. '' I opened up the account over the phone in XX/XX/2018, made all applicable purchases within the given time frame, and paid my bills in a timely matter. I waited 3, 4, 5 months, and I never received a bonus. I called BofA to check on the status, and they informed me that I do not qualify for the bonus because I didn't apply ONLINE. I, along with a lot of other consumers am baffled by this. Please refer to their website : XXXX XXXX XXXX Nowhere next to the statement " {$200.00} online cash rewards bonus if you make at least {$500.00} in purchases in the first 90 days of account opening '' does it mention " account opening ONLINE ONLY '' or an " * '' noting conditions voiding phone applications. This is really misleading to the average person. I opened up the account because of the bonus offer. I feel like this is a nasty bait and switch scheme Bank of America is  playing with the general population. 

Please note, at the time of application I was not able to complete the online form due to my circumstances at the moment -- thus I had to apply over the phone as it was more convenient for me. This is discrimination for those that are incapable of applying online.
Consumer complaint received 2015-11-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (PA)

While checking my report I noticed that my ex-husband 's address appears. I have never lived at that address or have used it for any purpose. I would like it removed if possible. The address is XXXX XXXX XXXX XXXX Pa XXXX
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

I sent letters and disputed online to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THE FOLLOWING INFORMATION COMPLETELY FROM MY CREDIT REPORT Wrong AddressXXXX XXXX XXXX XXXX XXXX, XXXX, Va XXXX Correct AddressXXXX XXXX XXXX XXXX XXXX, XXXX, Va XXXX
Consumer complaint received 2015-10-16
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (WA)

While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XXXX/XXXX/2014 on EXPERIAN credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
Consumer complaint received 2023-01-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX Date of inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XXXX XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry XXXX XXXX XXXX Date of inquiry XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX XXXX Also Known As XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XXXX
Consumer complaint received 2022-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KY)

An email was received from XXXX detailing an order on my account. The order was not placed by me, and the card used for payment showed to be under my name, though was not a card that was issued to me. There were multiple cards under the same premise. 
Those cards were : XXXX ending XXXX XXXX  ending XXXX XXXX ending XXXX It appears that credit cards are being issued under my name, though I am not sure if they have been issued under my SSN.