davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-22
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (NY)

XX/XX/XXXX, I began to work with Home Depot ( store # XXXX ) on a bathroom renovation project, in large part because they offer 24 months of interest-free financing for such projects. In XXXX XXXX, once the estimate for the work was obtained ( approx {$25000.00} ), Home Depot/Citibank, N.A. extended me a credit line of {$26000.00}, with 24 months ' interest-free financing. XX/XX/XXXX, I noticed on my monthly billing statements that Citibank had, in fact, been charging me interest and so while I had been paying {$1000.00} per month ( more than the minimum payment due each month ), my balance had not been reduced much from the original {$25000.00}. I called customer service on XXXX XXXX, XXXX to inquire and they advised that they had never received the information about the promotional rate from the store ; after a long hold during which they researched, they advised that they would reverse the interest charges within a couple of billing cycles. As of XXXX XXXX, XXXX, it has not been reversed, so I again called customer service and was told that the reversal was put in a " referral queue '' where it has sat for two months. The representative was not able to help at that time, given that the resolution is in the queue. She referred the matter to a " partner specialist '' and advised that it should be resolved soon. I 've been charged approximately {$5800.00} in unwarranted interest which I suspect is affecting my credit score.
Consumer complaint received 2021-03-26
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: SYNCHRONY FINANCIAL (MD)

Old Navy Credit Card Possible Fraudulent Representatives/Activity operating account Called and made necessary provisions to close account early XXXX Credit card fraud result of mobile cell # porting XXXX  listed personal information on Dark web Per XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (NM)

Starting the XX/XX/2016, I fell victim to a fraudulent Binary Options companies named XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( the Companies ). Money was transferred from my account to the Company via credit card for a total amount of XXXX USD utilizing Navi FCU services.
Consumer complaint received 2017-10-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (MO)

Diversified consultants placed a collection on my credit report for XXXX for XXXX XXXX XXXX return equipment fee. XXXX lost the equipment but found it when I called with a tracking/reference number from XXXX. XXXX agreed to remove the charge from my bill. I have since had to call several times about the matter and can not gain any resolution.
Consumer complaint received 2018-09-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (IN)

Upon reviewing my credit report Id noticed XXXX XXXX XXXX reporting a balance of {$370.00} which I do not recall this account nor receiving a notice from them. I contacted them by fax @ XXXX ) XXXX with a letter requesting documentation bearing my signature. This item is reporting on my XXXX, XXXX, and XXXX report which is in violation of the FCRA if documentation bearing my signature which Im entitled isnt provided this item should be removed immediately.
Consumer complaint received 2021-04-29
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. (WI)

Since XXXX I have been battling with Transunion and XXXX about negative information being reported about my student loan accounts. One with XXXX XXXXXXXX XXXX and the other with US Dept of Education. Student loans were in default Last XXXX, since then loans have been rehabilitated in XXXX, they were then Consolidated. The intention with the rehabilitation was that it would pull loans out of default after 10 payments and then all the negative information reported would be removed and loans refinanced showing a positive account on all credit reports. This has not happened, I have been calling 2 times a month since XXXX speaking with US dept of education as well as fedloans, not to mention XXXX disputes with XXXX and 5 with Transunion. Dept of Ed loans still show a balance with collection status and fedloans keep reporting past due on all reports. I have also been working with XXXXXXXX XXXX  on this and they have not had any luck as somehow the dept keeps getting validated even with the proper documentation. I have attached documentation below to show this, I would not be so persistent but this negative information is preventing me from being able to buy a house.
Consumer complaint received 2017-01-15
Product: Credit card — 
Issue: Rewards — 
Company: Bread Financial Holdings, Inc. (OH)

I signed up for a XXXX credit card due to the fact I had purchased a boat and at our XXXX they were advertising {$.00} per gallon rebate for the first 3 months if you spent more than {$1000.00} per month which I did. They have not given me my full compliments of rebates since they say they do n't recognize the marina as XXXX even though on my monthly statement on all but one transaction it 's listed as XXXX XXXX. I had contacted Commenity bank the first time on XXXX XXXX and it is still not resolved.
Consumer complaint received 2017-05-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (TN)

Mercantile Adjustment Burea  u (   XXXX   )   XXXX  keeps making robo calls to my home in  XXXX , TN with a message that if we even listen to the recorded message left on our answering machine, we agree to the debt which we have never owed. They claim  XXXX  of my vehicles made  a toll road violatio n somewhere ne ar   XXXX   or   XXXX   XXXX  ,  CA. I have not even visited that area for at leas t 15 ye ars, and none of my vehicles presently or previously owned have EVER been in that area. I have sent written notifications  twice  and demanded to see any evidence ( usually there are phot os of toll road violations ),   but my written communications have been ignored and no one has ever shown any proof of it being any of my vehicles. It is an obvious mistake and these debt collection  XXXX  do n't care. They just keep harassing my home phone.   Thank You
Consumer complaint received 2020-07-10
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. (GA)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2015-03-25
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I had a Capital One credit card, ending in XXXX, with an expiration date of XX/XX/XXXX, show up on my credit report as being delinquent due to a purchase at XXXX XXXX on XX/XX/XXXX for around {$25.00}, total due showing as {$89.00} due to late fees and interest charges. 

After seeing this information on my credit report, and that it had dropped by credit score by nearly XXXX points, I contacted Capital One to discuss the matter. I told them that I had not used the card in close to 8 years and that the card had expired on XX/XX/XXXX. They were also able to confirm this. I also had never renewed the card when it expired on XX/XX/XXXX. Certainly the account would have been automatically closed within nearly a 4 year timespan of the card expiring as well. 

Not only did I not make any purchases with the Capital One card for nearly 8 years, on the date of the transaction, I was in the hospital with my with my wife and XXXX daughter who was born at XXXX on XX/XX/XXXX. Capital One advised me that it was an actual credit card swipe on location at a XXXX XXXX store. While I can imagine a credit card purchase being done online using an expired credit card, the expiration date is coded into the magnetic strip which would not process at any modern POS credit card processor. 

I was prompted to look at my credit report due to the fact that I was denied a credit card that I had recently applied for. This never happens as I have an excellent credit score. This is when I noticed that Capital One was reporting this card as delinquent. 

Capital One should never have authorized any transaction on an expired account/credit card. Not only did they allow the transaction to process, but it was done so fraudulently. As a result, they reported inaccurate information to the credit bureaus which has directly affected my ability to obtain credit. 

Capital One did not directly address the issue of why the transaction was allowed to occur, but they did state that they will send me out a fraud application to fill out and I will receive notice of their pending investigation. 

I believe that the fraud application is a moot issue due to the fact that the credit card transaction should not have been allowed to occur in the first place, however, I will fill it out and return it per their instructions. 

The credit card I was denied because of the derogatory remark from Capital One was having a promotion that if you signed up for the card, you would get {$100.00} credit on the issuer 's website. I am seeking {$100.00} in compensation.
Consumer complaint received 2015-11-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I had an agreement to resolve my loan via " deed in lieu ''. 
The loan processor required me to vacate on XXXX/XXXX/15. 
They with held assistance until XXXX/XXXX/15.
Consumer complaint received 2016-05-30
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Complaint against : Select Portfolio Services Address of Foreclosed Property XXXX XXXX XXXX XXXX, FL XXXX SPS Account Number XXXX ENCLOSURES : Verification Letter re : date of original delinquency/Chase Demand Letter to SPS Recently, I applied for a mortgage and was approved. The company in question, Select Portfolio Services ( SPS ) became the servicing agent for mortgage foreclosure that was filed in XXXX, and they took over servicing in XXXX. It is still being reported by them with a date of original delinquency of XXXX I contacted them to let them know that the date of original delinquency predated my dispute by over 7 years and must be deleted. Their response was essentially that it is the date of their last activity, not the date of original delinquency, that determines when the 7 year period begins to run, and that they will continue to report this delinquency until XXXX in direct violation of the FCRA. I sent them a letter demanding that they delete this entry but as of this date I have gotten no response. 
The loss of the home and other substantial assets, like a pension, a job, etc, were the direct result of the XXXX mortgage debacle. I have already suffered enough loss from that. I believe SOMEBODY has to have some relief for me instead of the banks. 
I contacted the original creditor, XXXX XXXX XXXX, to verify that the date of original delinquency is over 7 years. Their verification, which I believe is incorrect and I will further investigate, said the date of original delinquency is XXXX. It is my belief that there were several missed payments before that date. Assuming that to be true, any reference to this debt must be deleted in XXXX of XXXX. SPS has refused to acknowledge this and insists that it may report until XXXX. 

I had a mortgage in place a few days ago, but because of this entry, and the false record of the date of delinquency, the mortgage was declined at the last minute and I was unable to make the purchase. Disputes have been sent to reporting agencies and the response was the same. They believe the date is extended by the date they got the account. 
Another factor is that when the started servicing the loan, it was to be under the terms and conditions agreed to by XXXX. Part of that agreement was that XXXX would take a deed in lieu of foreclosure. SPS refused to do so and cause more damages because of the time it took to finally get the property out of my name. 

My concern is not only for my account. If they are following this procedure on all of their accounts, they are undoubtedly reporting countless accounts in error. This is not a clerical mistake. It is their policy and procedure, and it a clear violation of law. They need to stop, and they need to be sanctioned for each and every violation. 

I have enclosed documentation to support my claim.
Consumer complaint received 2019-10-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

HAVE CONTACTED CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.
Consumer complaint received 2016-08-19
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CO)

I opened a Citigold account in XXXX 2016 under a promotion. The promotion was verified via verbal and written communication with Citi representatives multiple times in XXXX and XXXX. I also verified via verbal and written communication with Citi representatives that I met the requirements to receive the promotion in XXXX. I was asked to wait 90 days after meeting the requirements for Citi to honor their end of the agreement. After waiting for 90 days and not receiving my bonus, I contacted Citi. They are now claiming that I do not have a promotion on my account and are refusing to honor the promotion, despite me providing them with the written correspondence from previous months. An " investigation '' was opened by Citi and they continue to deny my promotion despite the evidence. Citi has taken my money and time based on promises that they are no longer honoring. This is unacceptable.
Consumer complaint received 2015-12-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

UISAA has confusing balance issues that causes bounce checks and over drafts. They also have cleared items problems that makes no sense. Usually an Item is cleared and a few days later, it shows as just coming out of our balance. We are never sure sometimes what 's in our account or not. My husband and I are both XXXX veterans. We had insurance with USAA Federal Savings Bank for over 10 years now. They declined giving us insurance in XXXX after we moved back. We filed for insurance change XX/XX/XXXX From XXXX to XXXX. They said we are high risk and they can only continue our XXXX policy that we already had with them even though we 're in XXXX. My husband is a XXXX XXXX veteran of the XXXX XXXX. I 'm an XXXX XXXX XXXX XXXX XXXX veteran. I joined USAA XX/XX/XXXX, when I got XXXX. USAA used to keep their word, but now USAA does not care about their members anymore.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file.
Consumer complaint received 2016-09-28
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America has caused to be recorded with the XXXX XXXX County Recorders Office a defective Notice of Default with form entitled California Declaration in violation of California Civil Code of Procedure Statute 2015.5 and California Civil Code Section 2923 - 2944.10. Bank of America knows or should know the laws of the state of California where they do business. I believe this is an intentional act meant to coerce, harass and cause me extreme disstress in on-going attempts by Bank of America to separate me from my home. 
The form is the fourth page of the recorded Notice of Default ( NOD ) and Election to Sell. Because of the form 's defect, the whole NOD is void and voidable.
Consumer complaint received 2017-03-15
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (SC)

I voluntary sent car back was unable to fix due to defect in all XXXX throwing a rod in motor or metal shavings left in motor for XXXX XXXX-XXXX company refused to fix it and never official did not do a recall. Many XXXX owners are having cars to stop suddenly, locked down or blow up or catch on fire. I consider this to be hazardous and unsafe and negligent on their part
Consumer complaint received 2017-02-19
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (LA)

I have been paying a car loan since 2011 paid XXXX for the car and still owe XXXX. They have repoed the car twice and charged astronomical fees to the loan that I actually paid up front to get the car back! When they repoed it the last time it was for XXXX pmts! They were not willing to work with me at all only wanted XXXX pmts plus fees up front. I can not understand how I still owe this much after paying all these years
Consumer complaint received 2016-09-27
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY (FL)

I have talked to the American Express creditor on various occasions even contacted the executive office in regards to this issue. My account was not closed by me and neither do they have any record or recorded conversation where I said to closed the account. My name and identity was stolen and this is causing me to have a lower credit rating due to this closed account. See attached letter where they claim information but no facts to their statement or decision to resolve the matter. I need this account deleted from my records.
Consumer complaint received 2016-05-04
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: DCI Credit Services, Inc. (HI)

I have asked DCI Credit Services to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2017-03-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I opened a bank account with HSBC in XX/XX/XXXX and was told that I would get a promotion bonus as long as I did 2 bill pay over each billing period for the next three cycles. My month statements ends on the XXXX of each month. 

I did 2 bill pay on XX/XX/XXXX, 2 on XX/XX/XXXX and 2 on XX/XX/XXXX. When i messaged to ask about the bonus not posting, i was lied that the bonus was for bill pay over three different months, not three billing statements, which is clearly a lie, as I was told in person by the banker it would have been over the billing statements. I met the requirements as the bill pay i did fell in three different billing cycles, but HSBC refuses to pay the bonus. 

They should be ashamed by lying to people for fake bonuses, and then changing the requirements.
Consumer complaint received 2017-02-22
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (IL)

I was shocked when I reviewed my credit report and found late payments on the dates below : 30 days past due as of XX/XX/2014, XX/XX/2014, XX/XX/2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2016-09-17
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Account # XXXX Balance : {$530.00} Creditor : XXXX XXXX. 

Account # XXXX Balance : {$0.00} Creditor : XXXX Account # XXXX Balance : {$270.00} Creditor : XXXX . 

This collection company is continuing their collection activity on this account on my credit report. I feel they did not validate this account or debt per my request that I sent them in the mail previously. They have not provided signed proof that I incurred this debt, an itemization of the debt and a copy of the underlying account statement and other written validation and explanation of the debt. 

Being that they failed to provide it, this is a clear violation of FDCPA. Proper validation consists of copies of some type of current creditor records, not records which only verify that the collector believes an account is valid. 

They are also violating the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information on my credit report
Consumer complaint received 2016-02-24
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Firstsource Business Process Services, LLC (PA)

On XXXX XXXX, 2016, I mailed a letter to Firstsource Advantage requesting how to contact me. I informed them in writing to only contact me by mail. The letter was received by them on XXXX XXXX, 2016. Today, XXXX XXXX, 2016, they called my mobile phone number at XXXX.