davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-07
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. (UT)

Im writing this on behalf of my minor child. Last year I received a letter from the state of Utah saying that there had been a breech and my sons social security number had been compromised. I also got a letter stating someone was using his number because there were reported wages coming back associates to it. At the time he was XXXX and was not then nor has ever had any kind of employment that would reflect earnings. I have attempted to request his credit report from all 3 reporting bureaus so I can see if someone is trying to use his credit as well and if not then to lock his file out so no one can use it. The state of Utah has been of no assistance whatsoever in resolving this. None of the credit bureaus will supply me a copy of his report because he is under XXXX. The instructions for getting one advised me to file a complaint on this site as the initial step. I have now done that as well as mailed all requested documents into each agency individually.
Consumer complaint received 2021-05-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Northstar Location Services, LLC (MO)

Continuation of complaint XXXX CFPB did not take appropriate action for XXXX to cease attempting to collect a fraudulent and invalid debt. XXXX was sent billings for 2 years regarding the time spent of many phone calls and letters. 
The right of offset was exercised and XXXX was notified many times of those terms. The amount has been paid in full. The continued fraudulent activity has resulted in additional fees. XXXX fraudulently turning the amount not owed to a collection agency without providing the detailed correspondence for two years has resulted in additional fraud fees. 
The CFPB must take action to prevent further fraud by XXXX. You are not a pass through organization. Your responsibility is to take action against these banks in conjunction with other Federal Agencies. I expect the CFPB to do so immediately. 
XXXX has continued perpetrated the frauds over many years. Someone must be charged, convicted and put in prison! We are a nation of laws. Without them marxism and lawlessness prevails.
Consumer complaint received 2018-02-07
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. (UT)

Im writing this on behalf of my minor child. Last year I received a letter from the state of Utah saying that there had been a breech and my sons social security number had been compromised. I also got a letter stating someone was using his number because there were reported wages coming back associates to it. At the time he was XXXX and was not then nor has ever had any kind of employment that would reflect earnings. I have attempted to request his credit report from all 3 reporting bureaus so I can see if someone is trying to use his credit as well and if not then to lock his file out so no one can use it. The state of Utah has been of no assistance whatsoever in resolving this. None of the credit bureaus will supply me a copy of his report because he is under XXXX. The instructions for getting one advised me to file a complaint on this site as the initial step. I have now done that as well as mailed all requested documents into each agency individually.
Consumer complaint received 2021-05-24
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. (FL)

i did not consent to authorize nor benefits to any of the following account 15 usc 16802 ( p & 15 usc 1028 ( A ) 1. XXXX XXXX XXXX
Consumer complaint received 2018-03-31
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: U.S. BANCORP (CT)

OnXX/XX/XXXX there were a few transactions on my credit card. The credit card is with XXXX XXXX XXXX  those transactions were fraudulent transaction not made by me the company refund me and gave me credit .my problems is that one undecided to cancel my XXXX line credit card they reported me to the three credit bureaus unfairly. I have requested from them the statement of when i first reported the fraudulent activities but they refused to provided me with that information. The reason i asked for this is so i can summit a dispute with the credit bureau explaining those unfair late payment that were reported to the credit bureaus. My credit have decrease tresmendely due to their unfair practice it when from XXXX _ XXXX. because this happen to me i did research on XXXX XXXX   and they have done this too quiet a few of consumers. All im asking them is to contact the bureau and fix their wrong doing the transactions happen inXX/XX/XXXX i have a letter from them that i receive XX/XX/XXXXa year after i reported the fraudulent activities i keep going back and forth for month with them. the reason i am filling my complaint now is because i just saw the my credit report i never thought they will do this since those transactions were fraudulent which they determine are fraudulent. They refused to help me with papers work to get this of my credit i appreciate your organization help and please i hope one the investigation is done you can help other consumer affected by this dishonest practice of this company. The name of the company is XXXX XXXX XXXX and their phone number is XXXX
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (DE)

Credit Acceptance Corporation continues to report inaccurate information on all three of my credit reports XXXX - last payment date XX/XX/XXXX - XXXX, and XXXX - XXXX - 149 days past due XXXX - last payment date XX/XX/XXXX - XXXX, and XXXX - 120 days past due XXXX - last payment date XX/XX/XXXX - no reported delinquency days - past due 180 days
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: I.C. System, Inc. (OK)

XXXX $ XXXXXXXX XXXX XXXX I don't use it an I told them this time after time Ic system XXXX $ i told them I never use are signed up for anything I disputed both of them but it still on my credit
Consumer complaint received 2019-11-13
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: Experian Information Solutions Inc. (OH)

The company known as Experian issues two different FICO scores depending if you are an individual or a bank.The reason is they want to sell customers products that raise there credit scores to what they report to banks or other lenders.I was personally was shown a a FICO score from Experian of XXXX. They stated that you are only 11 points from having an a score that would indicate excellent ( offering to sell me a product that would do this ) .My credit is also reported to XXXX XXXX by Experian which showed a much higher number. The number reported to XXXX XXXX was already in the excellent range. I called Experian and was told by the call center that was common policy. This does not seem to be the way to carry on business. 
Thank You
Consumer complaint received 2021-02-11
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: Experian Information Solutions Inc. (GA)

I previously disputed an account for inaccuracies with all three credit bureaus as 95 percent of the information from all bureaus were different. This notice was received by Experian on XX/XX/XXXX, XXXX via certified mail. I then received a copy of my dispute results from Experian stated that my account was updated, no changes were listed. I then mailed a method of verification letter. This letter was received XX/XX/XXXX, XXXX by Experian XXXX On today XX/XX/XXXX, I received an alert that my dispute was completed and that the results were generated. Upon signing in my results were unavailable, per Experian website Your dispute results are currently not available online Please call one of our friendly specialists or check your report for updates. I contacted Experian and spoke with a representative by the name of XXXX, this representative told me that the only thing that had been done to the updated account was the remarks were removed. I asked XXXX, were my concerns addressed. Per my dispute letter, I asked for the method of verification to ensure the accuracy of this account. Per XXXX, Experian can not give me that information. And that I would have to reach out to the creditor. I asked what method did Experian use to update my account. I was told that the creditor tells them to either update or remove the account. I stated, in order to investigate something ; you must reach out to the creditor and they should provide verifiable proof that the information that you are reporting is 100 percent accurate. I then asked to speak to a supervisor to better explain the situation. She left me on hold and returns and stated that the supervisors are all unavailable. I asked would the results of my disputes be mailed to me as the are unavailable online, I was then put on hold once again. She comes back to the phone and says that the results can not be regenerated. Confused, I said that I never received the dispute results and asked could a supervisor return my call. The representative then ended the call. This is not the way that any company should have handled this situation, Im asking for information to be thoroughly reviewed for accuracy and provide me with this proof or remove this account from my credit report.
Consumer complaint received 2020-01-23
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. (FL)

I am requesting again to investigate accounts which does not belong to me.If you do not have any proofs you have to remove as soon as possible. If you are not going to take actions I will sue you.
Consumer complaint received 2019-11-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WV)

Co paid XXXX in tax to office in my town in which they never recieved. Money was taking on XX/XX/XXXX. I had to pay in order to close on the sale of my house on XX/XX/XXXX. Money was taken from my escrow account that came out of my monthly mortgage payments. 
The money taken from my escrow has not been refunded. I have called every week 2x per week for 4 months and spoken to numerous managers requesting the refund owed. I had company send me documentation that money was taken from escrow on XX/XX/XXXX but refund was never put back into my escrow and i have documentation from my tax office stating loan care called them 5 times to verify that I paid funds for taxes and that they never received the check that loan care said they supposedly sent. Loan Care put a stop payment on check back in XXXX and still has not refunded the money to me.
Consumer complaint received 2018-02-07
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 (MA)

OnXX/XX/XXXX I went to Bank of America XXXX  ( XXXX XXXX XXXX  ) to make a wire transfer. While I was waiting in line, banker XXXX XXXX  spoke with me. She asked me whether I had a credit card, and I said yes. I told XXXX that I just opened my first credit card a month ago, and that was a XXXX XXXX credit card. However, XXXX  lied and told me that I needed to open a BOA travel card because XXXX  card had foreign transaction fee and less cash back ( Actually XXXX  offers 2 % cash back, better than BOA travel, with no foreign transaction fee ). She also did not tell me about the negative impacts on my credit report of opening 2 credit cards within the first month of credit history. XXXX lied and intentionally guided me to apply for a credit card using false information. It is clearly contrary to professional ethics. The decision of opening the credit card is not based on correct information. I contacted XXXX the afternoon of XX/XX/XXXX, asking her to cancel the hard pull on my credit report as well as the credit card. She said that she would contact me again the second day and provide a solution, but she actually blocked me from messaging.
Consumer complaint received 2021-01-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (MA)

On XX/XX/2020, HSBC approved my application for a Premier checking account. Application ID XXXX. This application was completed from HSBCs promotional landing page for the 3 % Cash Bonus offer ( screenshot attached ).

The promotion was to pay up to {$100.00} per month, for 6 months, provided minimum deposits were met. 

Following this application, I complied with all terms of the offer, including funding levels to meet the offer terms. 

I initially contacted HSBC on XX/XX/XXXX to confirm that the promotion had been successfully applied to the account. They started an internal investigation. After repeated inquiries, they state their marketing system did not correctly attribute my application to the promotion. I reiterated that the application was submitted from the appropriate page. They declined to honor the promotion.
Consumer complaint received 2022-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

I deposited a personal XXXX check of {$29000.00} on XX/XX/2022. Chase Bank has put a hold on the deposit until XX/XX/XXXX. That is 8 business days. 
I sent emails to my Chase Bank representative and to the branch manager. I asked where my money was. It was no longer at XXXX bank and it was not available at Chase. 

I have not received an answer from either Chase employees. I noted that XXXX XXXX XXXX XXXX magazine said many complaints about Chase had to do with this long time period before a deposit becomes available.
Consumer complaint received 2021-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BARCLAYS BANK DELAWARE (FL)

We rented a XXXX  in XXXX via XXXX this past XXXX. The XXXX  advertised it to have a swimming pool and a brick and mortar built in grill, with a long cutting counter. We invited six XXXX  friends to come and have BBQs with us. When we arrived to the property, the unit had no swimming pool or grill. The unit was also an apartment, and not a villa, as advertised. The nice built in grill had been removed, and there was never a pool. Bathrooms were missing toilet paper, lots of burned light bulbs and dirty lamp covers. Quite a bit of broken tile floors which were hazardous to walk. Mold in bathroom ceilings, and the likes. When we questioned the owner on being no pool, he said to use the hot-tub for swimming!, and dropped a cheap metal grill in a box, expecting us to assemble it during our vacation. I tried to resolve with XXXX and they dragged me for 20 days via messages, but never called me back, as I requested multiple times. Eventually, XXXX sent me a message saying they closed the case, and they shut off the communication link to write. On or about XX/XX/XXXX, I disputed two of the three {$850.00} charges made on to my XXXX Mastercard on XX/XX/XXXX. Days later I received a letter confirming the disputes under case numbers XXXX and XXXX XXXX, explains that it would take unto 45 days to hear back from them. To play safe, last Friday XX/XX/XXXX, I called to check the status of the disputes. They left me on hold for over 45 minutes and I had to eventually give up the line. I called them today, XX/XX/XXXX, and the employee that answered told me the disputes were closed last week because they needed more info on the cases. When I asked her if they sent me a request for more documentation, she said no. I then asked if they heard back from the merchant, and she confirmed the merchant did not respond. When I questioned how would they close a case without fully investigating it, she did not know how to respond. I followed up with another call, after holding 25 minutes for it, and same answer from another lady. All calls are routed to XXXX and some of the communications are of very poor quality with static noise. I do not understand how they can just close a case and not follow FCRA guidelines giving me the chance to provide any necessary documents, or respond to questions, or not even wait for a merchants response. 

I should note that when I called them while we were in XXXX, at least 4 different days their autoresponder said they were having system issues and could not provide any answers related to the accounts. Lately, when you call XXXX XXXX credit cards they take well over 20/30 minutes to answer calls. These are signs that they may have been cyber hacked. I work in the mortgage lending environment and know from the courses we take at work, that these are signs of a system having been cyber attacked.
Consumer complaint received 2021-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ERC (SC)

XX/XX/20 Dear to whom it may concern, Thanks so much for contacting me and bringing this matter to my attention. I want to get this matter taken care of as quickly as possible. To whom it may concern, I recognize your monthly statement is an offer for me to pay the bill. And I am happy to pay it immediately upon you providing me proof that my signature and note did not pay my account statement in full at the time of closing. By the way, To whom it may concern, please feel free to take me to court because there, I am sure the judge also would love to see your proof that the account was not fully paid at closing. One more thing, To whom it may concern, I noticed your monthly statement had an all caps name on it. That is not my name as my name is written in an upper- and-lower-case grammar style. Im sure the judge would like to see your proof of why you are breaking Federal postal law by writing to me using a fraudulent and fictitious name that is not mine.
Consumer complaint received 2021-02-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (MN)

My wife filed bankruptcy in her name only. I received a letter regarding a loan that is in my name only stating that M & T bank put my account into bankruptcy status, they will stop my online access and stop reporting my payments to the credit bureaus unless I file a reaffirmation with the court. 

I didnt file bankruptcy, my spouse is not on this loan, therefore I have no bankruptcy case to file reaffirmation with and the loan will not be discharged in my wifes bankruptcy case because this is not her debt. I still owe this debt. There is nothing to reaffirm. 

The bank is saying that because someone used my address to file, they have to put my loan into bankruptcy status. This makes no sense. If she had used my neighbors address to file, would the neighbors loan go into bankruptcy status??? I have offered to send them a copy of the bankruptcy petition to prove that this loan is not on the petition and not being discharged. They dont care. 

They have put me in a situation that I cant legally or logically resolve. If I do not compete the reaffirmation, they will damage my credit, but reaffirmation is to be filed in a bankruptcy case for a loan that has been discharged. I HAVE NO BANKRUPTCY CASE TO FILE IN AND THIS LOAN HAS NOT BEEN DISCHARGED. I still am responsible for this loan the same as the day before my wife filed. The only way I can complete reaffirmation is if I myself file bankruptcy and get the loan discharged. They dont seem to understand that one needs to happen for the other to be possible. I did not file bankruptcy and this loan has not been discharged. 

They have no instructions on how to file a reaffirmation when you havent filed bankruptcy and why it is required to reaffirm a loan you are still responsible for.
Consumer complaint received 2020-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (IL)

I have opened up Citi Priority account with adequate fund ( {$51000.00} ) and have met all the requirements for bonus, but bonus amount is still not added. I have tried to reach out to the company and the fund were supposed to deposited this week, but the funds are not there.
Consumer complaint received 2020-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NE)

In 2016 we had an auto loan that was paid in full by our insurance company due to the car being totaled. The bank, Credit Acceptance corporation recoeve payment directly from our insurance company. We never received additionL bills after this. 

Now. Both XXXX and XXXX  have the account listed as delinquent with a significant balance. We are showing three years behind. 

W heaven attempted to dispute through the creditor directly and also via credit bureau, but this has not been resolved.
Consumer complaint received 2018-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My closing date for the Capital One credit card is allegedly the XXXX of the month. However, according to XXXX the last time my account was updated was XX/XX/. It states my babalnce is {$470.00}. Additionally, a replacement card ( that was ordered do to a fraudulent charge ) that never arrived at my house is listed on the account. I paid the balance off in full onXX/XX/XXXX. My account should have been updated by now, XX/XX/. I spoke to a supervisor, XXXX, who stated she could not or would not correct the problem.
Consumer complaint received 2024-03-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (PA)

I am unaware of this debt I did not have an opportunity to dispute this information. If in fact you believe you gave me proper notification then please provide/send me the certified return receipt with my signature. If not I request that this information ( JEFFERSON CAPITAL Acct. No. XXXX ) be removed from my consumer report immediately in light of my consumer rights being violated.