davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-30
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: DISCOVER BANK (NY)

On XX/XX/XXXX, at approximately XXXXXXXX XXXX I applied for the Discover Cash Back Credit Card. My reason for doing so was specifically to take advantage of the advertised 15 month 0 % APR for purchases and balance transfers, to simultaneously consolidate my debt and build my credit. During the application process, I was experiencing performance issues on the website, with long delays between each stage of the application. Near the final stage of the application, a screen came up informing me that the advertised introductory APR would not apply, and I was instead offered an alternative, very high APR, not at all close to what was advertised. I had no intention of agreeing to this offer, but due to either input lag and/or website error, this offer was accepted without my consent or agency. I called Discover immediately after to dispute this and ask that the involuntarily accepted offer be voided without having a negative effect on my credit card, but I was informed by the representative that my only option was to close the account and no matter what this would be listed on my credit report. 

I am writing to the XXXX XXXX office to ask that this matter be reviewed. As an XXXX raised in poverty, it has taken me a very long time to build up my career and credit, and I don't wish my progress to suddenly and drastically be reduced due to a technology error. I had no intention of accepting the exploitative offer that replaced the advertised introductory offer, and I would like for this application, account and credit check to be entirely voided from all my credit reports without any penalty to myself.
Consumer complaint received 2021-05-26
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: CAPITAL ONE FINANCIAL CORPORATION (WI)

We booked several flights and a XXXX in XXXX at the start of the coronavirus pandemic. These flights were cancelled by the airline but were not fully refunded. We never requested any other form of cancellation except for our money back. The airlines and the credit card company did nothing to help resolve the issue. The XXXX host never once contacted me at any point. 

Companies involved : Capital One - they did not dispute the credit card transactions XXXX - they refunded only one-way of our round trip tickets and refuse to refund more. I only ever asked for a full refund. Amount remaining that was never refunded : XXXX. Date of transaction : XX/XX/2020. Date of dispute : more than a dozen times throughout 2020. 
XXXX - they refunded the flight, but refuse to refund the cost of a seat assignment. Amount remaining that was never refunded : {$61.00}. Date of transaction : XX/XX/2020. Date of dispute : more than a dozen times throughout 2020. 
XXXX - the host never once contacted me about any changes or lack of changes due to covid. Amount that was never refunded : {$550.00}. Date of transaction : XX/XX/2020. Date of dispute : more than a dozen times throughout 2020. 

For details about dates, amounts, and actions please refer to the attached pdfs which were both sent to Capital One. I am deeply disappointed to see that my transaction dispute was denied.
Consumer complaint received 2018-02-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

XXXX XXXX XXXX. They call me and my mother several times a day. And I have reason to believe that one of their representatives may have called my job yesterday looking for me. My supervisor answered and told me that it was a woman looking for me and said that it was " personal. '' She did not leave a name or a means of contacting her back. I checked with my family and it was none of them. By the time I went to answer the call, she had hung up. None of my other creditors have called for me at work before. But Capitol One sent my debt to this XXXX XXXX and now I've received a call at work? I am suspicious that they were the ones who called me yesterday as no one else ( personal or business ) would have called my job looking for me when they have my cell phone number. I am issuing this complaint in the hopes that no more calls be sent to my place of work.
Consumer complaint received 2022-04-30
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. (CT)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2022-04-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

Effective XX/XX/XXXX Nationstar dba Mr. Cooper transferred/ sold the servicing of my mortgage to XXXX. I previously had automatic payments configured with Mr. Cooper and had never missed a payment. Auto payments resumed with XXXX and my payment was drafted around XX/XX/XXXX ( where ordinarily it would have been XXXX with Mr. Cooper ). 

I never missed a payment, and my payment was only late by 11 days because of the transfer of servicing, Mr. Cooper blocked my ability to pay my XXXX mortgage the day before the transfer, and XXXX would not allow the payment until XX/XX/XXXX. 

Nationstar/Mr. Cooper reported my mortgage late to the credit bureaus sometime in the past week and now my credit score has dropped by XXXX points. I am currently seeking credit and this has adversely affected my ability to get credit at favorable terms. 

I have attempted to contact Nationstar and have not received a response.
Consumer complaint received 2023-04-04
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. (NY)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.
Consumer complaint received 2022-04-30
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: Experian Information Solutions Inc. (IN)

I requested that the information on my credit report be looked into and I also requested an official copy of my credit report but I was ignored in my initial reach out. I've sent letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I now have reason to believe that I am getting ignored by the credit bureaus due to their negligence to respond to my request which goes against my rights under the fair credit reporting act.
Consumer complaint received 2023-04-04
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. (GA)

Account # : XXXX Account Name : XXXX XXXX XXXX XXXX  Balance : {$5100.00} Original Creditor : XXXX XXXX XXXX XXXX have contacted both Experian, as well as XXXX XXXX XXXX regarding this account. The high balance is inconsistent with the other credit bureaus. The close date is incorrect. Last payment is also incorrect and inconsistent with the other credit bureaus. 
XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-04-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MI)

Had the worst experience with Jpmorgan. 
I had my account breached multiple times after they promised security in my accounts and they promised {$25000.00} per day max deposit into my account and failed to do so. 

I have lost all hope until consumer finance.please help please.
Consumer complaint received 2020-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (FL)

I received funds from the SBA on XX/XX/XXXX for an approved, executed and funded EIDL loan. The funds were placed into my checking account at TD Bank. On Saturday XX/XX/XXXX I discovered my checking account and bank card was blocked/frozen. I called the bank and was referred to the " Fraud Dept '' which did not answer the phone on Sat XX/XX/XXXX nor today Sunday XX/XX/XXXX. 

I was also told to visit a branch which I attempted to do. The branches are closed and accessible by " Appointment Only '' yet yesterday despite numerous calls to multiple branches, NO-ONE picked up the phone.
Consumer complaint received 2019-10-26
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)

I have a compliant dealing with addresses that do not belong on my credit report. I am request a block on my personal information. I need a copy of my credit report for my personal review. please remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2021-02-11
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: EQUIFAX, INC. (TX)

Credit information The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX creditor : XXXX XXXX XXXX XXXX {$2200.00} Account number XXXX ENHANCED XXXX CO XXXX Original creditor : DISH {$810.00} Account number XXXX RADIUS GLOBAL SOLUTION Account Number : XXXX QUALITY ASSET RECOVERY Account number : XXXX XXXX XXXX XXXX Account Number : XXXX GLOBAL LENDING SERVICES Account Number XXXX XXXX XXXX XXXX Account Number XXXX QUALITY ASSET RECOVERY Account Number XXXX RADIUS GLOBAL SOLUTIONS Account Number XXXX XXXX XXXX Account Number XXXX MOBILOIL FCU - Closed XXXX late payments Account number XXXX Names and variations.- not mine XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Not XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX. 

XXXX OLD XXXX XXXX XXXX, TX XXXX - XXXX. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX - XXXX. 
SINGLE FAMILY XXXX OLD XXXX XXXX XXXX, TX XXXX - XXXX. 
SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX - XXXX. 
SINGLE FAMILY Phone numbers - not mine ( XXXX ) XXXX Employer ( XXXX ) TWFG inquiries - Inquiries not mine- FCRA Violation- delete These lenders have accessed your credit file : SYNCB/CC Sales Financing Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Complete Department XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX INSTALLMENT Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Complete Department XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date : XX/XX/XXXX Delete these not mine- FCRA Violation XXXX XXXX {$1700.00} XXXX Exceptional payment history
Consumer complaint received 2018-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (UT)

Chase Bank XXXX XXXX in XXXX Utah : On XX/XX/XXXX or XX/XX/XXXX ( I can get the exact day ), the bank teller made a mistake when depositing a Chase Credit Card convenience check into my Chase Checking account. As a result, a single check was cashed twice and the check fees were applied twice. Chase quickly identified the problem but said they could do nothing to resolve it for 30 days. How can a bank be allowed to negatively impact the financial situation of a consumer once they have acknowledged and error. They made the mistake in 1 day, why can't they be held accountable to correct the problem in a day. 

I have spoken with the branch manager regarding this issue and she has not been able to correct the problem at Chase although she fully acknowledges the problem ( the branch manager name is  XXXX and her direct phone number is XXXX. I also left voicemail with her manager ( XXXX ) and spent 52 minutes on the phone with Chase Credit Card services. All of them indicated i'd have  to wait 30 days before they could correct their problem. In the meantime my credit has dropped 27 points and I can not qualify for optimal financing on a Condo loan I was in the process of submitting.

It would be wonderful if CFPB could hold these large banking organizations accountable for such poor behavior. 

Respectfully, XXXX XXXX
Consumer complaint received 2022-04-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (DE)

I had ID Theft. My SSN and personal info were compromised. I filled out an FTC report and the things that were ID theft were blocked from my consumer report. I received a letter from XXXX, XXXX, & XXXX about a {$5400.00} XXXX debt that I was unaware of and was not on my consumer report. Since I do not recall this {$5400.00} debt, I asked them to provide me proof that this was my debt. They responded by sending me the total owed. I wrote them back and asked again for the proper proof. THEN they start sending me documents from another account that is in no way associated with the original account. I responded again, and told them that this account was not the account on my credit report they were speaking about, and AGAIN they just sent me information from another account and asked me to pay for the {$5400.00} account. I believe them to be using illegal or at minimum unethical practices, mainly lying to me and trying to trick me, into giving them {$5400.00} on an account i have never heard of. We have had XXXX correspondences via USPS and they have yet to do anything but tarnish my consumer report with their false information. They are intentionally sending me documents over and over from another account because they do not have the info proving this is my debt and they are trying to lie and trick me.
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

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 Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT :
Consumer complaint received 2020-09-11
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Consumer Portfolio Services, Inc. (CA)

I obtained a car loan from consumer portfolio services in XXXX of 2012 after paying for 8 years with few late payments which were always paid the principal never went down I finally Gave the car back now there coming after me for XXXX Ive paid them over XXXX dollars can you please help
Consumer complaint received 2021-07-02
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Lending Club Corp (NY)

I already filed one complaint on this matter and the CFPB is allowing the creditor to continue to abuse me in their calling tactics. In present day and age, any number that calls from a restrictive line and states from the creditor and must provide personal identifying information is not a good sign. No creditor should ever be allowed to secretly call its customers on the phone only to tell them that they want to discuss account but can not discuss the account information unless customer provides personal identifying information. Not a good practice. Furthermore, the creditor limits the ability to pay on loan. If a certain account is not established, you can not make a payment. The customer must either do a one time special payment or establish auto-debit. Until the customer performs extra steps or calls, the creditor tracks as past due and attempts threaten and scare tactics. This firm is now engaging in bad practices and the CFPB and other regulatory bodies are allowing it.
Consumer complaint received 2018-07-16
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. (IL)

The credit agencies are experiencing so many breaches right now that it is affecting everyone. And this is what my complaint is in reference to. I have accounts on my credit report that is not mines, I'm requesting the following accounts be blocked from my credit report. The following are XXXX XXXX for {$180.00}, XXXX XXXX XXXX for {$38.00}, XXXX XXXX for XXXX, and XXXX {$1.00}, these accounts are not mines.
Consumer complaint received 2021-08-23
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. (FL)

I mailed a dispute letter to equifax, XXXX  and XXXX  on XX/XX/XXXX. Equifax is the only creditor who has failed to respond to me within 30 days. I called them to ask them why and the rep told me they never received my letter which is completely false. I sent it! They are jeopardizing my financial situation and this is not fair to me. I do not have the ability to send them yet another letter and wait yet another 30 plus days!
Consumer complaint received 2018-02-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NJ)

Hello im not sure if I chose the correct category that gives insight on my issue. Im having issues with XXXX XXXX. I tried disputing the company because I'm not quite sure what loan this debit collectors is working with, and when i tried calling a year or two ago the customer service representative was rude and nasty so the call ended before information was ended. I have not received any mail stating what, when and how this loan came about. The account state that it was open in XX/XX/XXXX and i never opened opened an account in XX/XX/XXXX, I'm listed in public records now as of XX/XX/XXXX and i never received notice. I tried disputing this company and that didn't work, the amount owed is $ XXXXon one report. I do have debt from XXXX that im trying to get removed for identity theft the initial amount being {$300.00} and with late fees {$420.00}. I initially thought that these two accounts were the same, But the amount is different. As of XX/XX/XXXX they have listed that i have paid on this account and i never have!! Isn't this fradulent! I tried disputing it again today from credit karma and it's not going through.
Consumer complaint received 2021-05-26
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC. (OK)

On XX/XX/XXXX I mailed a fraud claim dispute about a checking that was opened in my name since I've been XXXX in the Oklahoma department XXXX XXXX since XX/XX/XXXX and I've been at XXXX XXXX XXXX XXXX since XX/XX/XXXX. Till date I've never received a letter or any update regarding this issue with this account opened under my name.
Consumer complaint received 2019-10-26
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)

I have contacted all three credit bureaus to corrected a fradulent file on my account which is from company by the name of XXXX XXXX XXXX XXXX. They have received funds from the VA and from over 400.000 from me, VA and the State Banruptcy department. They pretended to be a mortgage and then did not except mortgage payments. Would not dispense escrow money account.This company has been pretending to be a mortgage company from some time. They shown up in the courts hand have provided illegal documents to take our home with the XXXX County Court system. I Ccan be reach ed at XXXX XXXX XXXX
Consumer complaint received 2023-04-04
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. (AZ)

XX/XX/XXXX Letters were sent to Experian demanding them to verify and validate inaccurate, wrong, and incorrect information being reported on my consumer report. They failed to validate and removed all debt in violation of FDCPA. The debts attached were challenged and could not be validated nor verified demanding removal