davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I have a mortgage loan from Bank of America ( Account # XXXX ). In XX/XX/2021, I received a notice from my homeowner 's insurance company XXXX, XXXX for renewal of homeowner 's insurance. I did not want to renew it with XXXX, because they wanted to charge me a significant higher premium. I informed Bank of America on XX/XX/2021. Bank of America asked me to upload new insurance information on XXXX/bankofamerica. I uploaded new insurance information on XX/XX/2021 and received a message that Bank of America has received my new insurance policy. Nothing was updated on my loan. I sent them this information at least five time. I faxed them this information. I mailed them this information. I received a message that my insurance with a new company has been noted on my loan and my previous insurance company will not be paid. A couple of weeks later, I received a message from Bank of America that they have paid premium to my previous insurance company also and now I am responsible to recover that money from my previous insurance company. I contacted my previous insurance company. They issued me a check and I sent that check to Bank of American as per their instructions. I kept checking with Bank of America about the status of check sent to them. Now they tell me that they did not receive the check and I need to stop payment and get a new check from previous insurance company. I am being harassed by this bank for their inefficiency. I am 60 years told and I am being asked to fix problems caused by this bank. A similar problem had occurred last year also. I would appreciate if CFPB can intervene on my behalf and ask this bank to fix their problems instead of harassing me.
Consumer complaint received 2017-12-14
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. (GA)

RE : Remaing inaccurate items. I am sending this letter in regards to the remaining inaccurate information your company continue to leave on my report. I have the items below in the file attachments. Please review the inaccuracies and remove the items within 48 hours of receiving this message. I am not attempting to collect a debt nor is this a threat but Im in the process of filing a lawsuit. I advise you to look over this matter and take serious precautions or else youll find yourself in a courtroom trying to defend every violation youve caused, pain, agony, embarrassment and the dark clouds youve placed onto my life. As of today Im sending this final letter as an affidavit and the final important notice to remove your obsolete, bogus, accounts and inquiries by today. I will be following up checking my credit to see if the inaccuracies are removed. I strongly advise you not to take this as a laughing matter, it is to be taken very seriously.
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: EQUIFAX, INC. (MI)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2021-04-11
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. (AZ)

I have sent 2 dispute letters to each bureau, XXXX, XXXX, TRANSUNION. Both have had very little results and am very confused why these reporting agencies arent honoring my identity theft claims. I have sent each letter with proof of ID ( DL, SSN CARD, Utility Bill and FTC REPORT ).
Consumer complaint received 2020-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2020, I received a text message from Chase fraud department advising that a charge was declined and requesting verification. I replied with " NO '' via text message and immediately contacted Chase to dispute the fraudulent charges. 
Chase did replace my charge card and issued a temporary credit but later denied my claim and charged the fraudulent purchases back to my charge card. The response was in the form of a letter from Chase on XX/XX/2020 stating that my claim was denied because I allegedly received benefit from the transaction and the claim was closed. I responded via certified mail article # XXXX XXXX XXXX XXXX XXXX XXXX in which I disagree with the decision and request information regarding the appeal process but received no response from Chase. I am being informed incorrectly that my claim was denied because I allegedly approved the verification text and signed for the following purchase XX/XX/2020 XXXX XXXX XXXX XXXX # XXXX {$870.00} XX/XX/2020 XXXX XXXX # XXXX {$5000.00} I did not make these unauthorized charges nor did I receive any benefit from them and I would like Chase to re-open my claim and provide me with any documentation supporting their denial of my claim
Consumer complaint received 2020-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

I have sent multiple letters describing the errors in my credit report. I have asked them to provide a written contract with my name on it and they failed to provide sufficient prove and they failed to do it. I have sent multiple letters asking them to update my credit report as well they failed to comply. I know my rights as a consumer and I feel they continue to violate my civil rights. 
This has been affecting and hindering my ability to receive funding for a home. This needs to be addressed immediately. Experian has been negligent to my requests and I feel it is discrimination against me.
Consumer complaint received 2020-12-02
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: BARCLAYS BANK DELAWARE (NC)

I signed up for a credit card that had a promotional offer of XXXX bonus points after spending {$1000.00} within 90 days. Once all of that occurred, I was issued only XXXX points. I have called and spoke to someone and opened a case, I was sent a general letter that my case was closed and there would not be any additional points. I called them and I spoke to XXXX who provided me with his operator ID XXXX. He advised that he is located in the call center of the XXXX. This credit card is a Barclay 's Credit card through XXXX XXXX. It is a Visa that I am able to use anywhere. He advised that I signed up for an offer for the 25,000 points. I advised that I have proof of the 32,000 points that I was supposed to receive that was time stamped on the time and date that I signed up for my offer. I didn't get anywhere with him so I used twitter to contact them, and this is the message that I received verbatim " We are unable to change the promotional points that were offered during the time of your application. Welcome bonus offers will vary depending on the time of application and application channel additionally offers change on a regular basis. We apologize for any inconvenience this may cause. '' This was initialed by XXXX. I sent them the offer from the website that I applied on when I completed the application. I do this with everything that I do because I am sick of companies posting things and not honoring what it wased that they advisertised.
Consumer complaint received 2020-12-02
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9200.00} -This is not my account.
Consumer complaint received 2021-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, WI XXXX ) opened an account in my name for someone who fraudulently obtained my information on XX/XX/2015. Account charged off. {$990.00} written off. {$240.00} past due as of XXXX XXXX was never aware of this company before seeing derogatory information from them in my credit report. I have disputed this multiple times with Experian with no results. If this is my account I want to know what was ordered, and where it was shipped as it appears this card is specifically for online shopping stores.
Consumer complaint received 2020-12-02
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. (NC)

On XX/XX/2020, I sent a letter to TransUnion about inaccurate and unverifiable items on my credit report. It has been over 2 months and I have not received a response from anyone. I feel like my dispute letters are being ignored. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for funding to start my own business but my credit is making the process a lot harder.
Consumer complaint received 2021-04-10
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I applied for a Capital One Quicksilver XXXX  card on XX/XX/2021. The promotional offer said I would receive {$200.00} cash back if I spend {$500.00} within the first three months. Once I activated the card and spent {$500.00} by XX/XX/2021 ( within the 3 months ), Capital One only gave {$150.00} cash back. I called to ask about it on XXXX XXXX, XXXX, around XXXX. The first person I spoke to at Capital One looked online, saw the {$200.00} promotion and transferred me because she could not answer my question. After being transferred I spoke XXXX from Arizona with Capital One. She was disinterested in helping me. She told me You cant believe everything online I told her that I had seen the promotion on Capital Ones website proper. She said she couldnt help. I asked her so I received misinformation from your own website to which she replied I guess. I followed up with So I just want to confirm that what I found on your website was misleading and misinformation. Her response was yea The promotional offer of {$200.00} when you spend {$500.00} is still active and can be found on Capital Ones website as of XXXX XX/XX/2021 : XXXX XXXX XXXXXXXX
Consumer complaint received 2021-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (NY)

I made a purchase from XXXX  for a phone sanitizing case in XX/XX/2020. The product did not arrive as scheduled and as promised by the merchant. When the product did finally arrive, it was missing a component ( power cord ), instructions were in a foreign language, and the claims of FDA approval can not be validated. 

I have attempted to resolve with the merchant. The merchant 's website has an expired domain. The merchant 's email does not work. The merchant 's phone number does not work. The merchant 's XXXX page does list similar concerns and I have messaged them there. Although I can tell that they've read my messages, they do not respond. I've also filed a complaint with the XXXX XXXX XXXX in Canada about the business. There exist many, many complaints of a similar nature there. 

I've filed three disputes with XXXX to resolve this. Each dispute is closed in the merchant 's favor as they are able to show that I did agree to the purchase. This is not the issue with my dispute. I am not disputing that I made the purchase - I am disputing that the goods are not as promised. 

Further, I have found this exact same item on XXXX.
Consumer complaint received 2020-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (SC)

To Whom It May Concern : I, XXXX XXXX am writing in regards to the adverse account listed by XXXX XXXX XXXX. I returned the vehicle back to the finance company after experiencing issues with the XXXX XXXX  while commuting to work, which includes highway and long distance driving. I reported this to the dealer as why I was returning the vehicle and they advised the car would be resold. I do not feel I should repay any portions of the loan as to me keeping and maintained on time payments as the company reported themselves. I had no intentions of returning the vehicle until it became unsafe. I have attached the recall information reported from XXXX in regards to the same reported issue I explained to XXXX XXXX when I advised them to come and pickup the vehicle. When I returned the vehicle the check engine light was on and I advised them that the car should be inspected prior to being resold. I would like an investigation completed because I do not believe its fair to be held liable for a recall, which is out of my control. It seems like XXXX XXXX  wanted me to keep and continue to pay for a vehicle I advised them was unsafe just for their financial gain. I would like this item removed from my credit report for these reasons. 


Vehicle Information : XXXX  XXXX XXXX VIN : XXXX
Consumer complaint received 2017-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

My family was devastated by the California Wildfires, when I called my CC company citi back to ask to see if there are benefits or waivers I can take advantage of they said NO. Every other card that I have either waived my payment or late fee as a result. Citi Bank was the only ones who said they will not help. I live in XXXX XXXX and the Fires were in XXXX which is only less than 5 miles. 

I would like to file this complaint as to see why Citi Bank is denying emergency benefits to minorities like myself. How many others have fallen victum with XXXX. I will not be doing business with this bank anymore do to this outrageous blatant racism.
Consumer complaint received 2017-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I deposited a check to BofA via atm. The check was immediately put on hold and XXXX funds were available or will be available until XXXX. I went to reception and asked to speak to someone. The agent asked what it was regarding. He explained this was for for my protection and was not allowed to speak to anyone else. I called my bank when I returned home. This was to no avail and another call on XXXX was also unsuccessful. This they say is due to previous fraud on my account for over a year ago. The fraud was from my cloned atm card and not a check deposit. The bank allowed XXXX $ to be withdrawn from my account when there were insufficient funds to do this transaction. I could not withdraw that amount if funds were not available, how can someone with a cloned card do it. This fraud was reported immediately and resolved. Why am I being penalized a year plus later for their mistake. Please assist in this reconciliation.
Consumer complaint received 2023-10-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP (NY)

This situation began in XXXX  when I was living in the XXXX XXXX. My parents in the XXXX XXXX  received a call from Elan Financial Services claiming I owed a debt. I contacted them, and after a very frustrating call in which I explained I did not have an account with them and wasn't in the country- so could not legally have been given any XXXX debt, I formally requested proof of the debt including signed contracts, original amount of debt, any payments made and interest and other charges. I never received any information from them. A year later my parents received a letter, I went through the same process, but no proof of debt was provided. The debt has moved from Elan to various collectors, the most recent being US Bank National Association ND and now XXXX XXXX XXXX XXXX. 

Each time I request proof of the debt, I don't receive any. And usually the debt gets sold to another collector. 

What can be done about this? Can random companies continue to profit from selling fraudulent debt claims- when they realise they are uncollectible and can not result in profit to them? Is there any recourse for me, having to go through this situation over and over again?
Consumer complaint received 2021-04-10
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Santander Consumer USA Holdings Inc. (PA)

The company continues to harass me about an alleged debt they know is not owed by me. I have told them repeatedly to stop contacting me about it and they have now resorted to harassing my family members. This a blatant violation of my rights as a consumer.
Consumer complaint received 2017-12-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (CA)

I had a XXXX XXXX XXXX XXXX Card through Citibank and I paid off the balance of {$22000.00} in full in XXXX XXXX. I filed a complaint with CFPB about the interest I was being charged in XXXX XXXX and the complaint was closed with no corrective action. In XXXX XXXX, I received a refund check from Citibank for this account of {$14000.00}. Prior to receiving the check I received a phone call from Citibank and the representative asked for my address to send a " refund of interest charges. '' When I received the check there was no explanation for this refund other than the message on the stub which reads, " Below is a refund check for the credit balance on your account. '' This account has been closed for more than five years.
Consumer complaint received 2021-10-20
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. (AR)

I Informed Equifax in XX/XX/2021 of inquiries that I did know about on my credit report. I filed a dispute and they sent me a letter saying the inquiries was verified. I then disputed them again in XX/XX/2021 and didn't receive a response at all. In XXXX I called and disputed the inquiries again and then received another letter saying that they have verified and the inquiries will not be deleted. I informed them that they didn't verify nor did they validate the inquiries because I didn't make them. I asked them to remove the inquiries because they are not true. They are still on my report.
Consumer complaint received 2020-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report.To this day over 31 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) is is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 31 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the wrong hands of the wrong person.
Consumer complaint received 2024-07-23
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FIRST NATIONAL BANK OF OMAHA (MN)

Ive only ever had a XXXX XXXX card. Looks like someone tried to open a card up under my name which wasnt me actually opening it up. Checked my credit report and saw this was there.