davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners Holding, LLC (VA)

Starting on XX/XX/2020 company called and I answered the call. Someone claimed that I owed a debt and then asked for me to verify my identity. They provided part of my information which was correct but part of my information which was incorrect. After advising to them this sounded like a phishing attempted, they abruptly ended the call. 

XX/XX/2020 I received a letter from Affiliate Asset Solutions , LLC. The letter had part of my current address and part of my previous address. I called the number on the letter to speak with someone. While on the call, I made more than several attempts to explain that this debt is not mine but eventually the person abruptly ended the call. 

XX/XX/2020 A entertainment consulting company I used to perform for received a phone call with the following messed : " This message is intended for -- -- --. My name is XXXX XXXX, and I have been tasked with serving. You sealed and notarized paperwork within the next 24 hours. No failure to sign will be marked as a refusal in the process is going to proceed without you. If you have any questions or concerns, please contact the office for further assistance. Their direct number is XXXX. And when calling, your reference number is -- -- --. You have officially been notified. '' On the same day I received the same message on my business consulting number. Both calls were from a 'Blocked ' number. 

XX/XX/2020 the same 'Blocked ' number, it must be the same because I NEVER received blocked number calls, called but did not leave a message.
Consumer complaint received 2017-08-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (GA)

after viewing my credit report  in XXX 2017 i noticed their were a few items on my file in which i did not apply for nor authorized. i reached out to the companies as well as the credit bureau to dispute them. i obtained a police report and sent to the collection agencies as well as a dispute letter asking for verification bearing my signature. they did not send the verification but in XX/XX/XXXX sent a bill and a letter asking me to send in 2 utility bills and my identification. this is strange to me considering the fact that i sent them a dispute asking for verification in XXX 2017. It has now been well over 30 days and i have not received the verification and the incorrect information is still on my file. This is totally against the law and against FCRA rules. I also reached out to XXXX whom is the original creditors but  there was no resolution
Consumer complaint received 2020-10-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (TX)

XXXX XXXX is continuing to block my attempt to payoff a court ordered judgement. They have blocked my number & XXXX in the legal dept is avoiding contact with me. I contacted Hunter Warfield on Wednesday XX/XX/XXXX because XXXX advised me to. I reached out to XXXX to pay them for the court awarded judgement that they received for a balance that I owed in the amount of {$2100.00}. Hunter Warfield is in violation of the FCDPA. When I contacted them on XXXX they told me that they had some fees accrue and that I now owe the balance of {$4700.00}. This is inaccurate. The Fair Debt Collection Practices Act ( FDCPA ) prohibits the addition of any interest, services fees, collection costs or other expenses incidental to the original debt unless it is expressly authorized by the agreement creating the debt I have expressed to XXXX XXXX that I have the right to satisfy the court awarded judgement against me in the amount of {$2100.00} without being bullied into paying {$4700.00} because the court did not order that amount. Neither XXXX XXXX or Hunter Warfield are cooperating with me. Both are withholding my right to satisfy the judgment that XXXX received against me by demanding me to pay more that what was court ordered by Judge XXXX XXXX, Precinct 4, place 2. Hunter Warfield is in violation of the FDCPA and the FCRA.
Consumer complaint received 2021-07-19
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. (NY)

Date : XX/XX/2017 Amount : {$38000.00} Action Taken : For the 4th time, I asked for a description of proper reinvestigation of the procedure used to determine the accuracy and completeness of the information.
Consumer complaint received 2020-10-09
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. (OH)

This is not my account. As I have disputed this account before. Please provide the original instrument of indebtedness, method of verification and validation of debt for this account. 

XXXX XXXX XXXX # XXXX
Consumer complaint received 2020-05-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (IL)

I had applied for a mortgage modification in XXXX when my mortgage fell behind. I dealt with a representative for several months, and then the decision came that i had filed for a modification in XXXX, and I had to wait 2 years to apply again. From the time of the application until now, I had made my mortgage payments as the representative told me as long as I stayed less than 120 days late, I would not be foreclosed upon. 
I received my normal mortgage statement dated XX/XX/XXXX for my next statement due date XX/XX/XXXX. Then I received a notice dated XX/XX/XXXX giving me some options to avoid foreclosure. On XX/XX/XXXX I received a new offer that had never been presented to me before. Chase gave me the option of " bring the loan up to date by creating an interest free subordinate mortgage/lien on the property for the amount of the advance. '' The letter gave me a deadline of XX/XX/XXXX to apply for the option. On XX/XX/XXXX I gathered my information requested, filled out the paperwork, and I faxed ( as requested ) the documentation applying for this modification. 
This morning, XX/XX/XXXX I received a call from a mortgage company I had never heard of before. They were asking me personal questions about my social security number, address and other stuff. I got suspicious because I had no idea who this company was. The woman told me the servicing of my mortgage was just transferred to them. I did not believe her, as I know when a mortgage service is transferred, the customer must be notified XXXX prior. The representative said I would be getting a notice on XX/XX/XXXX. 
I immediately called Chase as I assumed this call was part of a scam trying to get some of my personal information. Chase representative told me that my loan was transferred as of XX/XX/XXXX. She told me I received a letter dated XX/XX/XXXX, which I had not received. I asked her how I could have received 3 correspondences from Chase dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with information regarding mortgage assistance if they had sold my mortgage on XX/XX/XXXX? She did not have an answer. 
My belief is Chase offered me a mortgage solution that would had been beneficial for both parties. I filled out the requested information to pursue it, and when they received my request, they then transferred my mortgage to a new company to avoid having to work with me. Their timeline does not make any sense. If the transfer of my mortgage was on XX/XX/XXXX, why did they wait until XX/XX/XXXX to supposedly send me a letter which I had never received, and why would they had sent out XXXX more correspondences dated after that with offers for me? Then 2 days after I apply for the assistance, I get a call from a new mortgage company I had never heard of? I feel this is a case of fraud and servicing wrong doing. I should be given the chance to apply for the relief they had offered.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (FL)

In Accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for and purpose
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I am looking to update my credit report the proper way and correct a few errors I have found. First up I do not live at the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (MI)

When I opened a Chase checking account, in person at a location in XXXX XXXX Michigan in early XXXX of XXXX, the representative noticed my SS #, and other personal information was already in their database from a fraudulent credit card opened in my name in XXXX. I verbalized to the representative that a Chase credit card had been opened but i closed it immediately with Chase as it was an act of fraud in XXXX. I continued that day with my banking and received my debit card in the mail for my account ending in XXXX. In XXXX of XXXX i received a brand new credit card from Chase that i had not asked for or agreed to. I immediately called and reported this card to be fraud to Chase and destroyed the card. The last four of  this credit card was XXXX. 10 days later i received a packet from Chase wanted me to complete a fraud claim including a police report. I do not adhere to their request as i believe this to be an internal fraud issue within Chase and XXXX should find the origin of the application and cease this practice. nonetheless i am requesting help to day as Chase is requiring me to compete their claim form ( XXXX ) which include a state or federal report filing the credit card fraud claim.
Consumer complaint received 2021-04-30
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: CITIBANK, N.A. (IL)

I received a mailer to apply for the Citi / Aadvantage platinum select credit card. 
The terms on the offer clearly state " EARN 60,000 AMERICAN AIRLINES AADVANTAGXXXX BONUS MILES AFTER SPENDING {$3000.00} IN PURCHASES WITHIN THE FIRST 3 MONTHS OF OPENING YOUR ACCOUNT. AMERICAN AIRLINES AADVANTAGE BONUS MILES ARE NOT AVAILABLE IF YOU HAVE RECEIVED AMERICAN AIRLINES AADVANTAGE BONUS MILES FOR A NEW CITI AADVANTAGE PLATINUM SELECT ACCOUNT IN THE PAST 48 MONTHS. The same terms are listed clearly on their website - https : //creditcards.aa.com/citi-platinum-card-american-airlines-wand/? utm_medium=referral & utm_source=aa & utm_campaign=ccpage I accepted the offer and was approved XX/XX/XXXX. I met the requirements for this bonus XX/XX/XXXX. I previously had applied for this card XX/XX/XXXX and received a sign-up bonus on this card XX/XX/XXXX, so I met the terms of it being 48 months from the last time I received this bonus. When I called Citi bank they told me I wouldn't qualify because I had the card open in the last 48 months. I told them it doesn't state that anywhere! Not on their website, on the application, not in the disclosures. That is a bait and switch making up rules where I wouldn't qualify that aren't made known anywhere, and when based on the mailer I received and the application page of their website I have met the requirements and would qualify for the sign-up bonus. This is unethical behavior! My sign-up bonus should be honored!
Consumer complaint received 2020-10-12
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)

Experian has 2 addresses on my report that do not belong to me as well as 2 XXXX account that don't belong to me. The 2 addresses are : XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXX, XXXX, TN XXXX I have never lived in Florida or Tennessee or used A XXXX card in any of those states. I have attached 2 of the XXXX accounts from my credit report. If you look at my credit report you will see I have good credit. There are 2 addresses and 2 accounts the have been on my report now since Covid and Experian has violated my Fair Credit rights over and over and they are getting away with putting what ever they want on consumer credit reports. I have asked for this to be removed 6  times now since XXXX and they keep sending a computerized report saying it belongs to me. I know for a fact they didn't do an investigation because I have never lived in either one of those states. They have not sent me any updated reports in the past 2 disputes. I have tried to file a police report about the accounts. It has been impossible and frustrating trying to get something done on the phone. I filed in 2013 because a man tried to open a bank account in my name. I have not been successful at filing a report because of Covid. We cant go to the station and they are not taking calls. I guess my issue is not that important. That left me to filing a complaint. It is already a challenge living in this Covid world but now it has given the credit bureaus more excuses to put inaccurate info on our reports and not correct it. This has caused me tremendous stress and has affected me from living my life because there is something on my report that doesn't belong to me. My chase credit cards were closed because of the 2 XXXX account and XXXX said I has 6 months to get it removed and they would restore my cards. Needless to say they have not removed them and it has cost me dearly. I worked hard to keep my credit in the high 700 and I had that before the put those accounts on my file. I had my XXXX credit cards for years and because Experian didn't follow the federal law I have lost both my cards and they are ignoring that they can not connect me to either one of the XXXX accounts or addresses. I want these items removed from Experian and XXXX XXXX. XXXX  removed both accounts and Addresses after their investigation.
Consumer complaint received 2020-07-27
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. (FL)

This is not a credit reporting agency. I am a victim of Identity theft. There are things on my credit reports that indicate this. The companies that I am reporting are : XXXX XXXX, XXXX, XXXX, XXXX XXXX and XXXX XXXX. I am asking XXXX, EXPERIAN and XXXX  to ensure they remove these erroneous items. I am being prevented from obtaining employment because of the items on my report. I will obtain legal action if they aren't removed immediately. All of the items are inaccurate and unverified.
Consumer complaint received 2020-10-22
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (OR)

My US Bank Reliacard took 7 months to get to me, and I have since spent 2 weeks trying to activate it. Because I am XXXX they have locked the card until I provide them with an address. This is unemployment money and my industry is completely shut down due to COVID-19. I have spent hundreds, maybe 1000 hours on hold over the past 7 months trying to get this to work. Now when I call Reliacard customer service they give me different information each time, and I am now doubting the integrity of their system. I would like my account investigated specifically, and any help finding legal resources to persue restitution for the damages this has caused me. I believe the unemployment benefit system through US Bank Reliacard has been compromised and there may be bad actors working to steal people 's information. I need my account unlocked immediately due to being in an emergency condition of being homeless as we are hitting freezing temperatures. Please help as soon as possible, thank you.
Consumer complaint received 2017-07-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MS)

OnXX/XX/XXXX as previously before I disputed the accuracy of the late payments in my credit file in regards to the Navient accounts on my credit file. Navient keeps verifying the information is accurate without providing me with documentation. Complaint I am a prior service member and I was charged more than 6 percent on my loans. It was my understanding that my loans would be in hold as requested.
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX, Transunion and XXXX reporting inaccurate information on my credit report. I am a victim of identity theft and these companies have refused to report the correct information.
Consumer complaint received 2020-10-22
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: EQUIFAX, INC. (GA)

I have disputed the inaccurate reportings with XXXX XXXX, and Equifax several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX, XXXX XXXX   XXXX XXXX XXXX and XXXX XXXX XXXX. I never paid the following accounts late, XXXX  XXXX : XXXX  is reporting a payment status of 30 days late, XXXX and Equifax are not reporting this account, XXXX   XXXX : XXXX  is reporting a payment status of 30, 60, 90 and 120 days late, XXXX and Equifax are not reporting this account. XXXX : XXXX  is reporting a payment payment status of 120 days late, XXXX is reporting a payment status of 30 and 60 days late, Equifax is reporting a payments status of 30, 60, 90 and 120 days late. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX XXXX Account Number XXXX XXXX is not reporting this account, XXXX and Equifax are reporting an opened date of XX/XX/XXXX, XXXX Account Number XXXX XXXX and XXXX  are not reporting this account, Equifax is reporting an opened date of XX/XX/XXXX, XXXX XXXX XXXX Account Number XXXX XXXX is not reporting this account, XXXX and Equifax are reporting opened dates of XX/XX/XXXX. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, XXXX   and Equifax considered to be furnishers? These accounts either do not belong to me or were not paid late and XXXX, XXXX and Equifax have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.
Consumer complaint received 2020-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRST CITIZENS BANCSHARES, INC. (FL)

On XX/XX/2020, I opened a Checking and Savings account with First Citizens bank. This was opened with an opportunity to earn {$300.00} with the following requirements : 1. {$50.00} minimum opening deposit 2. Open a savings account 3. Direct deposit at least {$1000.00} per month OR make 10 debit card transactions within 90 days of account opening. 
4. Enroll in estatements I completed my 10 debit transactions on XX/XX/2020 and made sure to enroll in estatements, a savings account, and also deposited just over {$50.00} between my two accounts. It is now XX/XX/2020 and I still have not received my account bonus. I have read that a lot of people that also enrolled in this offer have also not received their bonus without filing a complaint. I met the terms and conditions of this offer - I need First Citizens to meet theirs.
Consumer complaint received 2021-04-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (TX)

There is a collection that recently appeared on my XXXX report that i did not recognized. It was reported on XX/XX/2021 to XXXX, on XXXX it does not have a date. 

I called XXXX XXXX XXXX XXXX which is the phone number on the collection on XXXX and XXXX and they asked me for my social security number, however the last name they have according to them is XXXX XXXX. I explained to them that this should be fraud because that is not my last name, has never been my last name and I did not recognize that balance or account. I told them that I needed that removed from my credit bureaus ASAP since that did not belong to me but they said I should then contact credit bureaus
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

In accordance with the FCRA my rights have been violated. The accounts below are a violation of 15USC 1681b .I never gave consent or permission This is identity theft/fraudulent per the 15 USC 1681C-1 AND 15 USC 1681C-2 this information is to be deleted and blocked. 
XXXX  XXXX XXXX {$1100.00} XXXX XXXX XXXX These are also violations of 15 USC 1681s-2a1a and 15 USC 1681eb . These are classified by the IRS as " income '' and income isn't to be reported on a consumer credit report and this violates 15 USC 1681 ( 2 ) ( a ) \ ( 1 ) stating to exclude any transactions or " experiences '' between the consumer and the person making the report from the consumer report. 

There is also a billing error on my self lender account. The late payments for XXXX and XX/XX/2023 are a violation of 15 USC 1666b.