davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (TX)

I did n't have a contract with  XXXX  ( original creditor ) on the date in question and my account keeps being deleted off of my credit reports and put back on under different creditor names.
Consumer complaint received 2021-08-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Company refuses to review calls. I was promised for my specific credit card that I qualified for a {$200.00} promotion if I spend XXXX during the first 90 days. The company kept lying saying I made qualifying purchases and strung me along giving me different date that I would recieve it. I opened the secured credit card in XX/XX/2021 and Bank of America changed said I would t get it after all. I am upset. I was interested in a different bank credit card elsewhere. The false statements is a violation of anti trust I believe or an inticement. As well as, my {$200.00} provisional credit was reversed for a XXXX. I asked for an accommodation due to a XXXX and was told to go into a Bank of America for that. They refused to accommodate. Which is ironic due to the nature of the XXXX dispute. So I am owed approximately {$400.00}
Consumer complaint received 2017-04-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (FL)

Hello, on  XXXX   XXXX ,    2017 I mailed a letter ( included  in attachments ) to Equifax via certified mailing receipt #  XXXX  ( included in attachments ) which they received via confirmation from the United States Postal Service website on   XX/XX/17 @  XXXX . Upon reviewing my credit file, I noticed there had been no action taken on my file in regards to my request, therefore I reached out to Equifax @ today and spoke with a representative. I initially contacted Equifax @  XXXX  and got the representative at  XXXX   XXXX . EST.   After speaking with the representative, and him stating that he did n't show that they had received a letter from me, according to him, he searched his system high and low, I asked to speak with their Consumer Affairs Department.     After being transferred b y one o f the representatives on  XX/XX/17    @  XXXX     XXXX   I  spoke with  XXXX   XXXX  refused to give a last name ) in the Consumer Affairs Department, stated he was a supervisor. I advised him I do n't see that they have initiated anything from my request on  X/XX/17    and received in their office on  X/XX/17    at  XXXX .   Per representative and  XXXX  they do n't show they have received my documents in their office. I spoke with  XXXX  and advised that at this point they have violated the FCRA in which they have failed to initiate my dispute within the 5 days required and they have failed to send results of dispute within 30 days, therefore I told him the y need to delete a ll accounts I listed on my letter. Per  XXXX  he could see that there were  XXXX  disputes on the  XXXX   XXXX   XXXX  account that were started but nothing was done with them. I asked him how this could be if they " stated '' they never received the letter. I asked if he could provide me the date this " fantom dispute was initiated '', however he was unable to provide that information, stating he could n't see the dates that this was done. He stated they would n't remove the accounts but I could forward him a copy of my letter and they could initate the dispute at this time. I advised him that this violates the FCRA and they would be subject to legal action. He refused to delete this information though they made an error. I advised him that the letter reached their office, what they did with it after it got to them was not my problem.   I have included my initial letter, my certified receipt and proof the letter was received in their office.
Consumer complaint received 2022-08-25
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

On XX/XX/XXXX I traded in my Nissan Rogue to XXXX XXXX, I received a call today that I am delinquent on my payments for my Nissan Rogue. I made it clear that according to XXXX, the payoff was send on XX/XX/XXXX. After mentioning this on the phone to Nissan, the caller acknowledged that yes in fact they were in reception of the payoff check but that they sent it back. The Nissan Rogue is currently up for sale through XXXX, and we are currently driving our XXXX  vehicle. Nissan then threatened that the vehicle was under my name and that I was ultimately responsible.
Consumer complaint received 2018-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (MI)

I had 3 cards with Chase, one of them was a Chase Freedom Unlimited, which I had not used in over a year because I had other cards, which I 'd received afterwards, which had better benefits. I called them to find out what they recommend, to replace this card, and Chase recommended the Chase Freedom card so I asked the person to cancel the current Unlimited card and send the Freedom card. They did but before I had a chance to confirm I received it ( authorize it on the chase site ), they cancelled it, the Chase XXXX and Chase XXXX card for " too many inquiries on my credit report, in 2017 ''. They have not contacted me to tell me this, I called them when I tried to use my XXXX card for a {$3.00} purchase, on XXXX, and it was denied. Both " fraud '' people I 've spoken to agree that I have never missed a payment, in the over 20 years I 've had various Chase cards, nor been late, they just chose to do this because " i was a threat to the bank '' ( their words, not mine ).
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

Hi - XXXX XXXX XXXX XXXX has refused several times to remove a deliquency from my credit report, despite my providing a screenshot from my online banking proving it was paid. I am happy to furnish documentation.
Consumer complaint received 2017-09-19
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)

I have 4 total accounts that are fraud and not mine. I have sent multiple I mean multiple fraud affidavits with police reports and my license and social 4 times. This is the last time I will send this letter before I sue all 3 credit companies These accounts are not mine and I have never done business with any of them. The collection account account does not even have a name on it this needs to be deleted asap. 

THe other 3 I have never done business and are ignoring my calls
Consumer complaint received 2022-01-06
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)

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself. Despite the multiple previous written requests, the items listed below still remain on my Experian credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( XXXX  XXXX XXXXXXXX XXXX XXXX XXXX )
Consumer complaint received 2020-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (VA)

On XX/XX/XXXX Lexis Nexis VALIDATED to XXXX  that a bankruptcy that appears on my credit report is accurate. I have asked Lexis Nexis to validate the bankruptcy they are reporting is actually mine, which they have failed to do so. Furthermore, my account with Lexis Nexis has been frozen and suppressed for over a year ( since at least XX/XX/XXXX I have proof ) My concern is that even though I have my information " frozen and suppressed '' Lexis Nexis is still fraudulently providing that information to other agencies or entities if they request it. 

My next issue is that Lexis Nexis has failed to provide me with the validity of the bankruptcy which is information I requested from them. They state the information is public information which is correct and true, however, without validating through the courts ( not PACER or an XXXX # ) how can it be confirmed that the bankruptcy is accurate?
Consumer complaint received 2022-02-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

Sent letter on XX/XX/22 notifying ars of non compliance with the FDCPA They received my letter on XX/XX/22 I received a response on XX/XX/22 This letter did not address the non compliance of the FDCPA. Letter was a verification of debt. 

Sent double email to XXXX on XX/XX/22 with attention for legal department It is now XX/XX/22 no response via email
Consumer complaint received 2018-02-01
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Specialized Loan Servicing Holdings LLC (MO)

Dear CFPB, In XX/XX/2010, I received a supplemental loan modification document from XXXX dated XX/XX/2010. XXXX has since went out of business leaving my loan in the hands of Specialized Loan Servicing. I have tried tirelessly on numerous occasions to resolve this matter with SLS. I have spoken with SLS Senior Counsel, XXXX XXXX who has treated me both unfair and in a very discriminatory manner. XXXX XXXX has belittled me and have hung up on me whenever I try to understand WHY SLS is not honoring the Supplemental Modification Document from XXXX. SLS continuous demand for collection of the incorrect amount is forcing me into a financial crisis. Please see the Supplemental Modification Document attached. Thank you
Consumer complaint received 2022-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (CA)

I was trying to get some concert ticket and split the payment into 4 payment and they did a hard inquiry and it should have been a soft inquiry. I want it removed from my credit report. Why should it stay on my report for years, for some simple concert tickets. The terms were not clear at all. I tried talking to them and I got no where.
Consumer complaint received 2017-04-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

For quite some time ( more then a year ) ... I have been working on my credit report to remove and delete erroneous, inaccurate, accounts not mine, etc ... and in exercisING my rights PURSUANT TO THE FCRA , ..I  requested VALIDATION at le ast 3times fr om FURNISHERS, and disputed several ( at least 4 times ), and to this date I have no VALIDATION from the  XXXX  major credit bureaus (  XXXX - XXXX -  XXXX   ), ,especially  XXXX   XXXX  company . ..I 've re quested METHOD OF VERIFICATION ..and to this date my FCR A RIGHTS HAVE NOT BEEN HONORED OR RESPECTED.!,,,,
Consumer complaint received 2017-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

I have attempted on several occasions to get the problems resolved that are reporting on my Credit Report! Someone opened several accounts in my name as I was in XXXX and had no idea these accounts were open. Most of the accounts have been taken off my report however there are still a few that are impacting my score! This is awful again because these are not my accounts and I have even submitted an identity theft report! Please remove these accounts off my report because they do not belong to me and I have no knowledge of these accounts! Please help me to move on past this awful situation! The accounts that are still reporting are XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please help to remove these untrue accounts on my report!
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2019-05-11
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: Experian Information Solutions Inc. (PA)

Fraudulent credit Inquiries on my credit report over the past two years I didnt apply or authorize for any credit company to access my credit from XX/XX/XXXX to XX/XX/XXXX
Consumer complaint received 2021-09-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (FL)

Citibank had a promotion for which if you deposit {$50000.00} and hold it for 60 days, they will give a bonus of {$700.00} within 90 days after the 60 days required. 
I had {$50000.00} in my account on XX/XX/2021, and I still have it there today. 
I got a letter from the bank confirming that I met all the requirements and I qualify for the bonus ; that was their case no. XXXX. 
As of today, which is already past the 90 day, which the bonus was suppose to be deposited to my account within those 90 days, it is still not there. 
I made numerous calls, went to 2 branches and opened cases for complaint.

One branch manager said she can not help me. 
Today I called again and asked to talk to a supervisor, and she opened another case no. XXXX. 
I'd like you to resolve this issue.
Consumer complaint received 2021-02-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: OPORTUN FINANCIAL CORPORATION (TX)

Theres a personal loan with Oportun reported on my credit with a poor payment history that does not belong to me. Account was opened in XX/XX/2019. Due to the person not making the payments this loan is now in my collections.
Consumer complaint received 2022-01-06
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. (VA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery Associates, a debt buyer, is reporting an unpaid collection account on my credit for {$830.00}. I've never received anything in writing from this creditor about this alleged debt ; therefore never receiving notification of my right to dispute the debt or request information regarding the original creditor as required under the Fair Debt Collection Practices Act. They have simply attempted to contact me by phone. 

During the initial communication, which was by phone, I also requested that validation regarding the debt be sent to my home address so that I could research the alleged claim. Again, they failed to send the validation as required and I still have yet to receive anything in writing regarding the alleged debt ; much less any documentation reflecting the original creditor or substantiating the balance claimed. 

However, they have now reported the supposed debt to the credit reporting agencies as of XX/XX/2021. I feel this in violation of the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, the Fair and Accurate Credit Transactions Act, and that they have violated the Texas Finance Code 392.202 in that I have clearly verbally disputed the debt yet have never received the required written dispute response letters required under that statute.
Consumer complaint received 2017-04-21
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: Bread Financial Holdings, Inc. (LA)

I applied and was approved for numerous Comenity Bank and Comenity Capital Bank  Cards. S ome were even pre-approval pop ups when I visited some of the websites. The bank closed ALL of my accounts. No notice or anything. I have not even received a letter stating why the accounts were closed. My credit scores have dropped tremendously since the closures and the inquiries are still there. I even got letters in the mail to call and verify my idenity and after doing so, was immediatly approved for the cards. If they did n't want me as a customer they could have simply denied me credit.
Consumer complaint received 2018-01-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (MI)

Caine and weiner was contacted by me in XX/XX/XXXX and XX/XX/XXXX.I still have yet to get any responses from them. This debt is reporting inaccurately and they have continuously failed to contact me regarding where they are verifying this information from.
Consumer complaint received 2017-04-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

This an addendum to previuos complaint again st Ocwen Servicing.Both  previous Loan Modification are not included in the paperwork that has been mailed to you.I had a Loan Modification in XXXX  with  GMAC Mortgage  with a fixed rate of 4 %, also  Hamp Modification was approved by Ocwen Loan Servicing i n  XXXX   XXXX .My relationship manager at that time was  XXXX   XXXX  who called me in  XXXX , AZ whil e I w as on assignment there.As previously outlined the court trial on  XXXX   XXXX  evolved around the issue of not having received the actual paperwork in  XXXX , NV un til mid   XXXX   XXXX .The file mailed to me by your agency contained the shipping label and a piece of paper with my fprwarding address.The argument being served via Publication therefore is unfounded.According to a law firm in  XXXX   XXXX   XXXX , Florida  the letters I mailed to Ocwen Loan Servicing requesting information meeting criteria for QWR under the truth in lending and therefore should have been ans wered.There is no mentioning of any Loan Modification on the original complaint to the court.Both parties,  Ocwen Loan Servicing a nd  XXXX   XXXX   XXXX   XXXX   XXXX   are one entity  and not two  XXXX   XXXX , Attorney for   XXXX   XXXX    XXXX   XXXX , and  XXXX   XXXX   XXXX , Loan Analyst for  Ocwen Loan  Servicing should be  held accountable  for an explaination.Furthermore,  XXXX    XXXX    XXXX  Dollars were deducted out of my bank account by  Ocwen Loan Servicing WITHOUT my authorization.Under  RESPA  ,  QWR, Truth  in  Lending, Regulation Z I hereby request following items : COMPLETE copy of BOTH Loan Modification including cover letter.Under the information request QWR, name and address of unassigned lender or private investor and explaination for unauthorized withdrawal from  XXXX   XXXX .Thank you for your attention in this matter.Respectfully,  XXXX   XXXX .