davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

During this Global COVID-19 Pandemic Regulations states that there should be NO LATE PAYMENTS reporting during Foreberarnce Program. I have multiple Late payments showing on my report that should me removed immediately due to COVID-19. This is Clearly a Violation!!! Delete these late payments from my credit report immediately! If not deleted I will be reaching out to the CFPB and Seeking litigation because once again this is a violation. Remove late payments now please.
Consumer complaint received 2019-06-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

I have attempted to resolve this issue through citibank to no avail. Therefore, as a final resort before giving up completely I was told to file my complain here in hopes of a resolution and in an effort to prevent someone else from having to deal with this. 

I opened an account on or near XX/XX/XXXX because Citibank was offering a [ up to ] {$500.00} cash bonus for consumers who opened an account, maintained {$15000.00} in combined balances [ checking and savings ] as well as received direct deposit for a period of 60 consecutive days. According to the terms and conditions in the advertisement, the bonus was to be deposited no later than 90 days following having met all requirements for the offer. My combined account balance of {$15000.00} has been maintained since XX/XX/XXXX, and received bi-monthly direct deposits in the amount of {$200.00} from XX/XX/XXXX through XX/XX/XXXX. 

Since then I have escalated this issue through citibank and have received letter correspondance stating that i did indeed meet all requirements, however, have yet to receive the bonus. The 90 days elapsed on XX/XX/XXXX from the time I satisfied all their requirements. Each time i have contacted their customer service department, the story has remained the same, " we're not sure why, all we can do is escalate. '' I will attach photos of both the advertisement and letter correspondance received from citibank to my complaint. 

Thank you for helping me with this issue.
Consumer complaint received 2017-02-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Convergent Resources, Inc. (NY)

Upon reviewing my credit report, convergent outsourcing has reported a debt o f {$2100.00} on my XXXX report, account # XXXX, i do not owe this debt and i have not received any debt validation from the collection agency or the creditor, i therefore ask the company to provide proof of debt validation or said contract that itemizes the accumulation of such debt within 10 business days and to remove inaccurate, unverifiable information from my XXXX report, in accordance to fair credit reporting act. Thank you
Consumer complaint received 2022-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Dear CFPB, After more than 15 years with my Bank of America credit card and accumulated more than {$3000.00} dollars of reward points, Bank of America decided to close my account due to 2 months of inactivity. 
Due to the circumstances and current economic crisis, I decided not to use my credit card. I truly believe one is force to use their credit card if financially not stable. Bank of America uses tactics and promotions for you to use your CC and collect rewards points which at the end they have the control over them, not you like they advertise it. Bank of America are not very specific and clear about their reward points, they only care about using your credit card as much as you can.
Consumer complaint received 2022-09-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Brown and Joseph, Ltd (TX)

I have never had an account with XXXX and have never paid or agreed to pay them for freight. They have harassed me after I have continued to ask them to speak with whichever broker was used. Whatever Account this is does not belong to XXXX XXXX XXXX, or any of its subsidiaries. They should reach out to whoever they have a contract or account with and figure this out themselves because there is no contractual agreement or payment agreement that was given from XXXX XXXX XXXX to anyone at XXXX XXXX. XXXX should show original written and signed agreement if there ever was, which of course even if there was any, it would be fraudulent. Stop bullying small businesses and trying to harass individuals. This is unprofessional and unnecessary for a company that should be serving its clients but is instead trying to threaten them.
Consumer complaint received 2022-09-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Santander Consumer USA Holdings Inc. (TX)

On XX/XX/XXXX, I entered into a consumer credit transaction with Santander Consumer USA, in which I extended my credit to acquire a XXXX XXXX XXXX, identified by VIN : XXXX. The amount of the finance charge was stated as {$21000.00}, which 15 USC 1605 defines as the sum of all charges, yet I was also charged additional amounts evidenced by the " amount financed, total of payments, and total sale price '', within the sales contract. In addition to the above Truth in Lending Act violations, I was coerced into paying a {$1500.00} cash down payment in connection with this consumer credit transaction, and my finance charge did not include my insurance as it was supposed to pursuant to 15 USC 1605. Santander Cunsumer USA also failed to provide me the required disclosures as required by 15 USC 1601 & Regulation Z of the Code of Federal Regulations. Attached to this complaint you will find the 'Notice of Rescission ' letter that was mailed to Santander Consumer USA on XX/XX/XXXX, as well as three ( 3 ) exhibits labelled as 'Exhibit A, Exhibit B, and Exhibit C ', showing proof of these violations.
Consumer complaint received 2020-08-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I pulled my credit reports and to my amazement, saw that you report this account with multiple lates. I also have no knowledge of this account. I disputed this information with XXXX  and the results of the investigation came back " verified ''. Not only am I late on any of mu bills with any creditor, would never be late on this account if I had one with you, but according to the Fair Credit Reporting Act ( FCRA ), as the information furnisher, you are required to notify me of the insertion of negative listings. Since I have disputed the late payments and no knowledge of this account with the credit bureaus, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. Under the FCRA, you are required to conduct an investigation on this account if I request it. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information.
Consumer complaint received 2022-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (CT)

On or about XX/XX/XXXX our loan was transferred to Selene Finance, LP. I had filed bankruptcy back in XXXX and didnt re-affirm the dept therefore I am still on the mortgage but not responsible on the Note. From XXXX XXXX my mortgage never showed up on my Credit Report as me being liable for the Mortgage. As soon as Selene Finance took over they reported this loan to XXXX and showed up on my credit report that I have a mortgage to XXXX which made my credit score drop XXXX  points. I have sent them email about this and called them. One representative told me that they didnt report it and they wouldnt due to the bankruptcy. I sent them the proof that they did and now I got an other representative that was useless and could not help said it would have to be researched. They're also not supposed to charge any late fees due to the bankrputcy and they seem to be a little unclear on this as well. 

Any information or guidance would be appreciated.
Consumer complaint received 2020-08-21
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: ENCORE CAPITAL GROUP INC. (TX)

There's a charged-off XXXX XXXX credit card account from Midland Credit Management appearing on my credit report. I haven't had a XXXX XXXX account in years. Therefore, this account has to be a product of identity theft.
Consumer complaint received 2020-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

This is not a Third Party. I am requesting that the following accounts be removed. 

XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX. 
XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX. 
XXXX is fraudulent on my credit Account # XXXX. 
XXXX is fraudulent on my credit Account # XXXX. 
XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX. 
XXXX Inquiries from XXXX XXXX, XXXX XXXX and XXXX. 

Experian and XXXX  credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.
Consumer complaint received 2019-06-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CT)

On XX/XX/XXXX, a check was requested for the balance in my Venmo   account, now closed. The amount of XXXX was left as remaining balance at time of closure, it is now XXXX and no check received. A close out check was requested for a prior Venmo  account, which was sent right away. In this case, it appears Venmo/Paypal is stalling on the matter, it is almost a month since they supposedly requested the check.
Consumer complaint received 2018-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NY)

XX/XX/XXXX - I referred my girlfriend to a credit card : American Express XXXX XXXX XXXX. I was told that I would receive {$75.00} if she was approved for the card. She applied and was told that she would need to verify some information. 

Several weeks later she was approved and received her card. I was told through the American Express terms of service that it would take 8-12 weeks for the bonus to post to my account. 

I waited until XXXX for my bonus. It never posted. So I contacted American Express on XX/XX/XXXX. They told me that there was no record of me referring anyone. I opened an investigation with them. They asked for my girlfriend 's birthday and her name which I provided. I was told to wait one week. 

I waited one week and contacted them again through phone and chat. I was told to wait 2-3 weeks. I have contacted them 4x more times through phone and chat about this bonus. Each time I am told to wait 2-3 more weeks for them to finish the investigation. Additionally, I am told that they have " expedited '' this investigation.

It has been four weeks since I last contacted them. I have gotten no email updates on the status of this investigation. And I know if I contact them again they will take me to wait 2-3 more weeks. This investigation was opened on XX/XX/XXXX. They state that it takes no more than 8 weeks for an investigation to end. It is now XX/XX/XXXX. I have received no bonus and no information on whether or not it will even post.
Consumer complaint received 2021-09-13
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2021 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise.

Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX/XXXX  XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC XXXX XXXX DOB XXXX ADDRESS XXXX XXXX  XXXX, XXXX XXXX, FL
Consumer complaint received 2021-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Credit Karma (FL)

Complaint is about Credit Karma. They prepare taxes as a benefit to members. I was working on my taxes and had saved it. They submitted them to the IRS without my approval. 

I reached out to them twice. They finally answered today. Here is the response from the email : Why CK submitted Tax Return? : Case # XXXX Thank you for reaching out to Credit Karma Tax. I understand you weren't done with your return. Your return has been submitted and accepted already. You will have to file an amendment to make any changes to your return.
Consumer complaint received 2021-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Equifax is showing these two things on my credit report I pulled today. I do not recall any of these items. I did not get any services at that time and if I had it would have been covered by XXXX. 

Also I do not know what it is from, the information is not listed. No one to contact.
Consumer complaint received 2021-03-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (MT)

RE : VS Account Number Ending XXXX w/ Comenity Bank XXXX : Settlement Letter to Comenity to Pay in Full Account Ending XXXX XXXX : Proof Settlement Letter Received by Comenity Bank XXXX : Comenity Bank Cashed {$190.00} Check and as Stated in Settlement Letter, this Account to be Paid in Full and Credit Report Updated w/in 15 days of cashing check XXXX : Cease and Desist Letter due to Comenity Placing Numerous Repeated Calls to Work Phone XXXX : Comenity Bank Still Reporting on my Credit Bureau and Still Numerous Repeated Calls to Work Phone
Consumer complaint received 2020-07-20
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: Experian Information Solutions Inc. (CA)

Theres a XXXX XXXX  XXXX Potentially Negative Account that is being reported on my credit report is reporting an Incorrect/Incomplete Account Number of XXXX. This account was recently disputed for the first time for this specific inaccuracy. The following quoted statement from Experians investation are blunt humongous falsified Lies in plain sight. >> The data furnishers or public record vendors have verified the accuracy of the disputed information. The results summary was sent to you on XX/XX/XXXX, XX/XX/XXXX and XX/XX/2020 for review<< How its it possible to have received results summary in the above dates if this account was disputed 1-2weeks recently. Those days days clearly dont add up to this specific inaccuracy.
Consumer complaint received 2022-09-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

On XX/XX/2022, I received several emails asking for verification of my email for a new checking account opened with Bank of America. I contacted the institution yesterday, XX/XX/XXXX and they closed the account. I'm in the process of calling all of my creditors to notify them that my identity was stolen.
Consumer complaint received 2020-08-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

We have applied for refinance of our current home with J.P Morgan Chase, and we are concerned that we are not being treated fairly during the appraisal process. 

The appraisal report intentionally lowered the value of our home and it came out favoring the Bank 's interest for the following reasons : 1 ) The appraiser used homes in a different school district to benchmark against our home. Our home is located in the best public school district in XXXX, therefore, the high house price is driven mainly by the reputable school district. It is commonly known that the houses in the neighboring school district values $ XXXX lower than the houses in our school district. 

2 ) The appraiser used homes in a subprime location to compare against our home. Our house is situated in a quiet cul-de-sac court, and the appraiser used homes in a street corner or home right next to a major highway in the report, which definitely worth less than houses in prime locations. 

We have attempted to appeal the appraisal value on XX/XX/2020, but the appraiser declined to reconsider with the facts we stated.
Consumer complaint received 2020-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I check my credit report and notice some things that don't belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and still not getting any resolution. I don't know what seems to be the problem. Please help me! 

List of accounts ; XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX  HOSPITAL XXXX XXXX HOSPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

I have been affected by the Covid crises since XX/XX/2020. Have been on unpaid FMLA since XX/XX/2020. Because of being at XX/XX/XXXX due toXX/XX/XXXXconditions. And having to care for my children since schools have been closed. And both my children suffer from XX/XX/XXXXand XX/XX/XXXX conditions. And orders from XXXX that my children must have 24/7 supervision. I am aXX/XX/XXXX With full custody and no one else to care for them. I have all documentation from doctors and all FMLA documents. I have told the mortgage company I wanted to save our home and needed a modification under the cares act. And because I had no way of coming up with money for the modification process which they were asking for {$1200.00} dollars. I never heard back from anyone. And instead of helping they started foreclosure proceedings. I am currently in chapter XXXX, and the trustee has received documents from my employer that I have been on Unpaid FMLA. My attorney has said the mortgage company must perform a loan modification under the cares act. And that the chapter XXXX trustee has advised to call the mortgage company again for modification. Since my case through the courts are on hold until I can get back to work. And the crisis is over. Any assistance in this case is much appreciated. Thank you.
Consumer complaint received 2018-02-26
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. (FL)

I am attaching a section of my credit report which shows my two XXXX XXXX XXXX auto loans from XX/XX/2005. The account numbers on my credit are # XXXX and # XXXX. I am filing this complaint because the credit bureau is incorrectly reporting that these accounts were past due and at one point, a " redeemed repossession ''. This information is not accurate. These accounts were paid in full years ago but I was never past due on them and they were never repossessed. I do not understand why they are reporting this negative information. I have been disputing these mistakes with the credit bureau for over two years, going back and forth with documentation showing that they were never late. The only responses I have received are that the information has been " verified '' and they will not update this account. I can't take this anymore and I need the assistance of the Consumer Financial Protection Bureau to help me with my issue. I have my old statements to show these loans were never late or repossessed but more than that, I called XXXX XXXX and their own representatives have confirmed to me my accounts were never negative. This is what puzzles me. How is it possible for the credit bureau to come back and say the negative information is accurate when the original creditor itself, XXXX XXXX, is telling me otherwise. This is the reason I am filing this complaint. Their negligence and refusal to help me fix this issue will no longer continue.
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

As I know and as you should know that pursuant to 15 USC 1681 ( b ) ( Permissible Purposes ) as well as the FCRA section 604 ( a ) ( 3 ), you are in violation, by allowing multiple 3rd parties to access my private and personal information. This has not only damaged my personal but my family and household as well. By allowing my report to be viewed without my direct authorization is an invasion of my privacy as well as being illegal! 





-Notice to agent is notice to principal, notice to principle is notice to agent.