davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-25
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (TX)

I was tricked by XXXX store in XXXX, XXXX into getting a credit card with XXXX XXXX. A fraudulent credit card was opened on my name without my consent. 
Details : I was checking out at the store and paying with my debit card when they offered a 'store card ' for a 15 % immediate discount. No word " Credit card '' was used. I accepted for what I thought was a loyalty card and signed. The store manager had my debit card in their hands and was doing some operation with it our of my sight, so I did not realize they never charged my debit card and the purchase was on credit. A month later, I collected my mail and found out that XXXX subscribed me for a credit card. The mail from XXXX XXXX says that I HAVE TO shop at a store monthly or I will be charged $ XXXX monthly. I signed-in online with XXXX XXXX to cancel the card - but there is no such option. I contacted XXXX, but they refuse to help.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2020-06-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC (GA)

I have tried to dispute this many times and they aren't willing to work with me. This account is not mine its a result of someone using my name and information fraudulently from a previous address. They are collecting and damaging my credit for an account that isn't mine.
Consumer complaint received 2018-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (IA)

I was advised that my introductory rate had ended and my minimum due was going up. I accepted the situation and paid early and a little more than required. My balance went down by {$27.00} after interest and my next month 's statement with no new charges and the same 16.49 % for standard purchases an 26.49 % on cash advances went up by {$34.00}. 
When I spoke to 1st member of management I was told I had not paid my first two payments and that I paid the wrong amount because I paid what showed on my statement and more before it was due. I was told I did not make the correct amounts, though I had statements showing what was due and having paid more each month. 
The 2nd member of management advised that I had paid correctly all along but that with my balance going down and being charged the same interest rates my minimum payments would again increase by 62 % over the previous months interest. 

XX/XX/XXXX statement showed {$110.00} minimum due on {$5400.00}. I was charged {$57.00} in interest ( 16.49 % x {$4100.00} and 26.49 % x {$1200.00}. ) 29 day billing cycle. ( {$1.00} a day in interest ) No new charges added.

XX/XX/XXXX statement showed {$140.00} minimum due on {$5300.00}. I was charged {$92.00} in interest ( 16.49 % x {$4100.00} and 26.49 % x {$1200.00}. ) 33 day billing cycle. ( {$2.00} a day in interest ) No new charges added I was advised that if I paid more than the minimum due and paid before due date that my next payment would go up by over {$40.00}. When asked for clarification I was told I just don't understand cards and I could not begin to understand the interest. I asked if the amount owed was less and the interest rate the same how my payments could be going up every month when there were no new purchases according to their statements. I was told you just don't understand and you need to take us on our word because we are the credit card company. 

This is on a XXXX XXXX XXXX Card by Citi.
Consumer complaint received 2020-10-14
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. (LA)

I sent off all supporting documents to change my name, address, jobs, and inquiries I know nothing about on my report or the names and addresses are not affiliated with me. I have been extremely patient but they fail to take those things off my report after sending my documents numerous times. I was sent a letter back saying what I sent In wasnt that enough to verify that that is me and where I live.
Consumer complaint received 2020-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (WA)

XX/XX/20 : I tried logging into account at chase.com ; account locked " due to suspicious activity ''. 
XX/XX/20 : I spoke with individual in what sounds like outsourced call center. He wouldn't give me reason why account closed. He advised that balance will be mailed. 
XX/XX/20 : After requesting, I was transferred to the supervisor XXXX he advised that this incident will not reported to XXXX . He advised the account balance will be sent in the form of a cashier 's check within 8-10 business days. He advised that the only way to get a written transaction record of my account is to visit a local Chase branch in person. He advised that a letter was sent to my mailing address with additional information regarding the account closure ( as of XX/XX/20, I have received nothing in writing from Chase with any information about this incident ). 
XX/XX/20 : I went into local Chase bank- they would not disburse my funds upon my request. Banker called Loss Prevention while I was in the office and was on hold for an extended period of time. Rather than wait on the line with me present, she advised that she would give me a call back with an update ( as of XX/XX/20, I have received no callback ). 
XX/XX/20 : Called 1st time- on hold for 33 minutes then disconnected. Called 2nd time- representative was extremely rude, she transferred me to XXXX- no updates for me. He advised that a decision should be made by end of week regarding IF ( rather than when ) funds will be disbursed. I advised I would take the issue to small claims court if they did not give me my money. 
XX/XX/20 : XXXX advised that the account is still under investigation/under review. I requested a transfer to XXXX or other supervisor. I spoke with XXXX XXXX at XXXX Eastern time, who advised that the check has not been mailed and the issue is still pending ; she was unwilling or unable to give me any timeline for when Chase would send me my funds. I requested an escalation, and she advised that I would be receiving a call back within 48 hours ( as of XX/XX/20, I have received no callback ). 
XX/XX/20 : I went into local Chase bank to get print out of transaction history. As of XX/XX/20, a debit entitled " Debit DDA - Check Charge '' in the amount of the account balance is on account ; neither XXXX nor XXXX XXXX made any mention of this update in the previous call, leading me to believe that Chase has possibly misappropriated my account funds.
Consumer complaint received 2020-04-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC. (UT)

2 Debt Collection Agencies are coming after me for the same debt. 

Creditor : XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Opened on XX/XX/2019 - Current Balance {$8100.00} Creditor : XXXX XXXX XXXX. 
Original Creditor : XXXX XXXX XXXX XXXX  Opened on XX/XX/2019 - Current Balance {$6700.00} I have never received any mailed notification regarding this debt owed. Also, I have never had someone call and speak to me on the phone. If they have tried to call they haven't left me a voicemail. 

This is the same debt, XXXX XXXX owns and operates XXXX XXXX at XXXX XXXX XXXX. I want to get 1 of these removed, preferably the larger of the 2, then at that time I will pay the debt off in full. I would like the negative collection removed from my credit report and my Credit Score increased by 21-25 points. I have been told it could and should happen once the debt has been paid and removed from my report.
Consumer complaint received 2021-07-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc. (GA)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2020-10-20
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. (NC)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2024-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

CitiBank told me that I basically need to go searching for the check at the post office even though they knew it was good and they sent it off without telling me. The place where I got the check theres no longer issuing them. They are closing down and Citibank verify that it was a valid check. They are not able to re-issue it or tell me if anyone has cashed it any bank has to pay me {$6300.00}
Consumer complaint received 2024-02-24
Product: Credit reporting 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. (RI)

XXXX is been reporting an inquiry by XXXX XXXX XXXX, on XXXX. I had no business with this company, neither or authorized any used of my credit file.
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (IL)

Victoria secret refuses to accurately update my credit report. My debt with them was settled through XXXX XXXX XXXX  and legally paid for less than the amount. My credit report status does not reflect that. It shows derogatory and charged off for the full amount. All other creditors who settled reflect paid but settled for less than owed.
Consumer complaint received 2020-07-17
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Applied for mortgage refinance with XXXX XXXX XXXX and the banker ( XXXX XXXX ) told me that XXXX score was XXXX ( lower than the other 2 credit bureaus ) and that the SS number didn't match and the employee listed was XXXX yrs old. The end of XXXX I submitted a dispute to XXXX asking them to recheck the XXXX XXXX accounts listed as still owed. These accounts were submitted to a collection bureau and all XXXX accounts have been paid off for more than 2 years. XXXX replied that the Info was correct and in the process of reporting it, all 3 credit bureaus interpreted the reply as new debts sending my scores to the pits. I lost the refi as a result. 
XX/XX/20 XXXX  XXXX XXXX XXXX Transunion XXXX XX/XX/20 XXXX XXXX XXXX XXXX ( & XX/XX/20 XXXX ) Transunion XXXX There were no changes to my credit activity except the inquiry. Each of the 3 bureaus reports reflect good history. I reached out to all 3 credit bureaus and they stated they could not do anything. How can I get this fixed without my scores getting another hit.
Consumer complaint received 2020-07-17
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CT)

Applied for mortgage refinance with XXXX XXXX XXXX and the banker ( XXXX XXXX ) told me that XXXX score was XXXX ( lower than the other 2 credit bureaus ) and that the SS number didn't match and the employee listed was XXXX yrs old. The end of XXXX I submitted a dispute to XXXX asking them to recheck the XXXX XXXX accounts listed as still owed. These accounts were submitted to a collection bureau and all XXXX accounts have been paid off for more than 2 years. XXXX replied that the Info was correct and in the process of reporting it, all 3 credit bureaus interpreted the reply as new debts sending my scores to the pits. I lost the refi as a result. 
XX/XX/20 XXXX XXXX Equifax XXXX XXXX XXXX XX/XX/20 XXXX XXXX Equifax XXXX ( & XX/XX/20 XXXX ) XXXX XXXX There were no changes to my credit activity except the inquiry. Each of the 3 bureaus reports reflect good history. I reached out to all 3 credit bureaus and they stated they could not do anything. How can I get this fixed without my scores getting another hit.
Consumer complaint received 2020-07-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

I had a medical procedure back in XX/XX/2016 and was billed {$120.00} by the XXXX XXXX XXXX XXXX XXXX. My insurance paid the amount and I got a receipt from the XXXX XXXX XXXX XXXX XXXX ( attached below ). I also attached proofs of my insurance covering the amount. I disputed this issue to Equifax, XXXX, and XXXX and while XXXX and XXXX immediately erased the collection from my credit report, Equifax continues to hold that the collection is mine responsibility even though I have the necessary proofs that the collection is not mine.
Consumer complaint received 2022-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

So on XX/XX/XXXX my wallet was stolen from me, and on XX/XX/XXXX it was used for a purchase on some online site in the amount of XXXX. I contacted chase and explained to them my card had been stolen and that it had been used for an unauthorized purchase. I told them I filed a police report and could provide it if needed and they said they wouldnt need it. Fast forward now they have reversed my claim and refuse to tell me why as this was not me. I am already going through a rough time with XXXX. as i lost my job and chase has made it an even tougher time allowing someone to scam me and side with them.
Consumer complaint received 2018-06-21
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 (IL)

I've been getting the run around. My credit card statement generated on XX/XX/XXXX.

The credit report should have been updated the following business day XX/XX/XXXX to reflect my new credit card balance. My credit card is paid down close to XXXX   balance, but it has yet to be updated. When I contacted XXXX, they advised that the report was updated on XX/XX/XXXX. This isn't accurate.

When I contacted Capital One, they advised to contact XX/XX/XXXX. I'm in the process of buying a home and the maxed out credit card status is preventing me from doing so.
Consumer complaint received 2018-06-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cedars Business Services, LLC (IL)

Via XXXX, I booked a room at XXXX XXXX in XXXX XXXX, CA for XX/XX/XXXX-XX/XX/XXXX.  On XX/XX/XXXX, I received an invoice from XXXX XXXX indicating that I owed {$130.00} for a damaged towel ( {$85.00} for towel and {$50.00} on cleaning fees. As a note, this motel is completely self check-in and self check-out. The bathrooms are communal and include towels and washcloths guests are allowed to use indiscriminately. ) I immediately responded by disputing the claim and asking for evidence. I never received a response from XXXX XXXX. 

On or around XX/XX/XXXX, I received a debt collection notice from Cedar Financial, indicating that I had a XXXX outstanding debt ( including late fees ). I immediately called Cedar Financial and explained the situation to them, once again disputing the charge. The representative ( XXXX XXXX ) indicated that he would follow up with XXXX XXXX for additional information and evidence, since no one answered the phone at the facility. As a note, I also contacted my credit card company to block any attempt at collection. The credit card company attempted to contact XXXX XXXX, also with no success. 

Thereafter, on XX/XX/XXXX, I also contacted the XXXX XXXX XXXX in the hopes they could intervene. The XXXX  ( representative XXXX ) attempted to contact XXXX XXXX up through XX/XX/XXXX, at which time I received an email indicating a lack of success in contacting XXXX XXXX. 

Today, XX/XX/XXXX, I received additional correspondence from Cedar Financial, which suggests that I still owe {$130.00}. I immediately called Cedar Financial and, since representative XXXX was busy, I spoke with another collections agent. I explained to him the combined efforts of the XXXX and myself to contact XXXX XXXX. I also advised him that I never received follow up correspondence from Cedar Financial as to my original request for evidence. He responded that they had forwarded me correspondence on XX/XX/XXXX, which refers to the first time I received a notice from them. When I asked about evidence, the response was somewhat vague, with the agent suggesting something about " terms and conditions. '' As to proof or evidence of damage, he also insinuated that XXXX XXXX would not have taken any photos. Each of these calsd are supposed to be recorded, as a note. The agent assured me that he would follow up with XXXX XXXX once more.
Consumer complaint received 2021-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have an account with capital one thats charged off and I settled for less amount I paid this account off in XXXX of XXXX with an agreement that capital one inc. would not disclose any further info to any of the ( 3 ) credit bureaus at all after I paid the full settlement. They had never reported any negative activity since then until XX/XX/XXXX then they all of a sudden reported to XXXX only as of now but sure will end up at XXXX and XXXX  that my payment percentage went from 27 % to 21 % from week of XX/XX/XXXX to XX/XX/XXXX. For almost a full year they reported absolutely nothing! ( As they should on closed account ). And then week of XXXX all of a sudden they take it upon themselves to tarnish my credit ( XXXX ) to be exact. By providing false information to XXXX on an account they agreed to not disclose any new information on after I paid in full my settlement amount on. 
This matter is not to be taken lightly as they are ruining my credit and fraudulently false reporting that I am infact making late payments on an account that I paid off XX/XX/XXXX. This would be equivalent to you paying off your automobile 100 % then your credit union reporting a year later you make two late payments on a paid off car and tarnished your credit XXXX points ( through XXXX alone so far ). 

I have a fully XXXX XXXX XXXX XXXX daughter that was born with a XXXX XXXX Im trying to buy a house for her and I and this happened the same week I applied for a mortgage so any help u can give is greatly appreciated. Thank you and XXXX Bless!
Consumer complaint received 2020-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Dovenmuehle Mortgage, Inc. (OH)

Hello, for my loan with Dovenmuehle Mortgage out of IL, Loan number XXXX. We were affected by Covid-19 and due to that we went into a Covid forbearance for 3 months. We are now awaiting a Flex Modification. I have been trying to keep my credit score as high as possible but as we all know, most of the score comes from Debt ratio and how much debt is owed. Dovenmuehle is reporting incorrectly and in my opinion illegally. It shows current which is good, shows no late fees which is good, but is shows my balance increasing over XXXX a month! Due to this, my scores have dropped over 30 points! Now this will greatly affect my chances at a better interest rate when the underwriter calls me for the Flex modification with XXXX and Dovenmuehle! 

This is not good reporting and from what I am reading on your site and everything else the balance should not show increasing and therefore negatively affecting my credit score and my husband 's credit score which will be ultimately be driving our modification offers! 

This needs corrected and I have not gotten anywhere with the company at all.
Consumer complaint received 2020-07-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

I had a loan that was serviced by Ocwen Federal, this was back in early 2005 I was recovering from injuries I suffered in a HATE CRIME! I was trying to keep my property out of foreclosure. Owen Federal was claiming I owed more than really was owed? I tried to tell them there figures were wrong but to no avail they foreclosure ans I lost my home! 
The address of property is in XXXX  CaliforniaXXXX XXXX  XXXX  I haired a lawyer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX I paid him {$2500.00} Cash and he did nothing to help took my money and I tried suing him I'm Small Claims Court. But lost and judge awarded him {$5000.00}? 
What Ocwen Federal refused to do was contact HUD that had set me up on a program to keep my home paying 90 % of my mortgage they claimed I was not assisted by HUD foreclosure and took my property! I was trying to stop Owen but they were very unwilling to help or contact HUD they got away withy home worth {$100000.00} at time! Over these many years I have lost most paper work but I will contact HUD for any information they have.I LET MY FAMILY DOWN I KNOW I WAS RIPPED OFF BY OCWEN FEDERAL! 
THANK https : //files.consumerfinance.gov/f/documents/20170420_cfpb_Ocwen-Complaint.pdf