davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-11
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NJ)

I signed up for a macys card on XX/XX/22 and was told that I would receive 25 % off ALL PURCHASES made that weekend. I used the card several times over the weekend and each time I was told the same thing by each associate I asked ( before making the purchase ). I was told by every one of them that the 25 % would come off my balance when my first bill arrived. There was never a mention of a limit- several associates over several departments in several stores. I then received my bill without the discount on a major part of the purchases. On XX/XX/22 I called customer service and spoke with XXXX who told me the discount was only up to {$100.00}. When I told her that EVERY associate I spoke with told me that the 25 % would be for ALL purchases she apologized for the 'misinformation ' but there was nothing she can do. This is fraud- promising one thing and then not honoring it a few weeks later. Had the 25 % been deducted at the time of purchase this issue would never have come up because I would not have made the purchases. This is a sneaky bait and switch. I returned the purchases that I had not already given away before receiving the bill calculated the amount I owe after the 25 % is deducted, including the misc taxes for the different states. This amount comes to {$840.00} and that is what I paid. I contacted macys via their online portal several times as well as talked to representative several times with no result. I am now being contacted by a collections agency.
Consumer complaint received 2017-02-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Convergent Resources, Inc. (MN)

Previous CFPB Complaint XXXX Convergent Outsourcing has sent a response letter to my CFPB complaint regarding never receiving the notice of right to dispute. In the letter they state that a validation letter for the account was mailed to an old address, XXXX XXXX, MN XXXX. they stated they were notified by XXXX that I had moved and I left no forwarding address. They state that they believe the information they have reported to the bureau was fair and accurate information, they do n't believe they violated any laws. 

I moved in XX/XX/XXXX. I submitted a request for address change to the United States Postal Service. My Official Change of Address Confirmation Letter from the United States Postal Services states " Your mail will be forwarded to your NEW address, as you requested on : XX/XX/XXXX. ... MAIL FORWARDING EXPIRATION DATES : First Class Mail, Priority & Express XX/XX/XXXX. '' I refute what Convergent has stated, I received mail that has been sent to my old address at my current address under this current forwarding. I received mail the same week, XX/XX/XXXX that was forwarded from my previous address, stamped XX/XX/XXXX. I also include a piece of mail sent from XX/XX/XXXX, illustrating the success of forwarding to my home address. 

I also updated my address on my Drivers License, XX/XX/XXXX, a copy of the paperwork shows the date. My current home address has also been updated on my credit report. 

I should have been able to receive the initial validation notice, or at the very least, a new one could have been sent to my current address, which has been updated since XX/XX/XXXX. 

Convergent has deprived me of my chance to dispute this debt or request validation by not sending the notice as required within 5 days of contacting me regarding this debt. 

On XX/XX/XXXX I received a call from a representative XXXX, from Convergent Outsourcing. She asked me to verify my name and address, which I refused to do, and the caller ended the call. Convergent had ample access to obtain my current home address to send the initial validation letter and they failed to do so, violating 15 U.S. Code 1692g - Validation of debts I have contacted XXXX on both XX/XX/XXXX and XX/XX/XXXX regarding this matter and they are escalating a review of my account to the executive team, they have asked for 72 hours before a complaint is filed including them to the Attorney General for them to investigate these FDCPA violations by Convergent and they 're refusal to remove the reporting from the Consumer file. XXXX will receive a copy of the proof provided to the CFPB depending on the outcome of the escalation.
Consumer complaint received 2015-11-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I suspect that my identity has been stolen for the second time. I disputed an account being reported XXXX to which I asked XXXX to validate the information reported. I never received validation but Equifax is reporting that it was validated with them but they refused to tell me what information was verified yet the address that XXXX is reporting is not my address. This address XXXX XXXX XXXX XXXX has been previously deleted by Equifax yet they re-reported this address on my credit file as of XXXX/XXXX/2015 ( less than 30 days from removal ). Equifax is also reporting my birthdate incorrectly. I 'm listed as being XXXX years old when I 'm only XXXX. I 've sent in XXXX copies of my valid Florida drivers license yet they refused to correct my information. These invalid reporting is causing me to be refused credit. I 've spoken to XXXX supervisors at Equifax and they all have refused to fix these incorrect reporting.
Consumer complaint received 2015-12-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The name is not XXXX XXXX XXXX, but XXXX XXXX, XXXX. I have never lived at XXXX XXXX XXXX, XXXX XXXX , CA. My brother did!
Consumer complaint received 2015-03-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (GA)

Received and alert from XXXX credit bureaus in XXXX XXXX of a collection from XXXX. I disputed this debt with the credit bureau to only send a response back in three days that this debt was valid as they verified my Name, Social and Address. 

XXXX XXXX Phone Number : XXXX Phone Call Date : XXXX/XXXX/XXXX Phone Call Time : XXXX EST After receiving the feedback from XXXX I reached out to Enhanced Recovery to receive some verbal information/confirmation since XXXX only verifies electronically. 

I asked XXXX the Debt Collector Agent a few questions regarding this account. Her answers are provided in red : 1. What is the Account Name : XXXX XXXX 2. What is the information from the debt collection agency? 
Name : Enhanced Recovery Address : XXXX XXXX XXXX. 
XXXX, XXXX XXXX Business Phone Number : XXXX Professional License Number : I do not have one What address does this collection belong to? 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Have you reported this account to the credit bureau? I do n't know you would have to tell me if it is reported or not. 

4. If this debt was reported to the credit bureau how long would it stay on my file? I do n't have that information as I only have a little information regarding this account. 

5. When is the deadline expiring for me to pay this debt? I do not have this information available as I am only a third party debt collector. All I know is that the debt was acquired in XXXX of XXXX. 

6. How long have you had this debt? This debt has been in our office since XXXX XXXX, XXXX. 


Per the above responses the Agent was not able to validate anything besides the amount and date ( s ). I do n't consider this validating the debt. Validating a debt would be receiving a copy of a contract with my signature, payments made to the account in my name etc. If the Debt Collector is at liberty to obtain my address from the Credit Agency ( as they have an old one on file ) then that means the credit agency also provided my phone number and social security number too. XXXX verified the name, social security number and address. However the address attached to the debt was not an address listed as current or previous on my credit file. The agent was unable to provide me if this debt was reporting to any credit agency. How can I debt be verified if the agent alone can not verify what is and is n't reporting to anyone. They are a debt collector this information should be known. If this debt was acquired in XXXX XXXX the SOL has passed on this account. So why put an account you ca n't even collect on my account. I currently have XXXX and in order to get service I had to pay previous balance ( which was none ) as well as a deposit which was on {$50.00}. XXXX has already verified that I am not currently in collections nor have I ever been. Please remove debt. 

The attachment shows I currently have XXXX and the account number is different. The 2nd attachment documents a call I had with an agent from Enhanced Recovery.
Consumer complaint received 2015-12-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

i opened an account with XXXX XXXX SERVICES on or about XX/XX/XXXX.Upon request after request XXXX XXXX has failed to provide accurate and correct info regarding the initial deliquency for this account to the XXXX CRA.I have supporting documents such as billing statements and a complete payment history from XXXX XXXX that states this account first became deliquent on or about XXXX XXXX, but XXXX is reporting to the XXXX CRA that the account first became deliquent in XX/XX/XXXX.I call this re-aging.I was promised by XXXX XXXX that they would fix this problem but to date they have not.i am beind denied from other retail stores because of this and this is causing me extreme harm to my credit worthiness.And this is also causing this account to remaing on my XXXX CRA longer than it should be.Furnishers should by law report correct information, but XXXX XXXX for whatever reason is not.The XXXX CRA 's keeps telling me this account will not come off until the year XXXX.
Consumer complaint received 2024-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

On XXXX, XX/XX/XXXX I deposited a third party check to my checking Chase account, check was pending and afterwards account was restricted. This check is under my boyfriends name and we forgot to double endorse the check with both signatures. Unfortunately Chase is withholding my boyfriend check and not releasing it. This is a tax refund check from the IRS, I spoke to the IRS and they told me Chase has to release this check because its a legal check. I contacted Chase more than XXXX times, problem is they want to verify this check with my boyfriend phone number which is activated and registered to him. Chase keeps saying this phone number is not registered with my boyfriend name but we have proof with XXXX XXXX  his number is under his name and its activated. Every time I try to contact Chase bank I have different kind of response when I ask how to remove the restriction which I dont know whos the one lying to me. Either customer service is not compatible with their clients because every customer service has different response. I dont know who to believe. I dont trust the Chase bank anymore. This check is a really big amount of my boyfriend check from his tax refund and we could verify it with his social security, passport anything from the government file we have and Chase just wants to hold our money just because of a phone number. I have been to XXXX Chase branch and they still wont give me my money. Even went with the owner of the check to the branch and still doesnt want to release the money thats in my account. How am I or my boyfriend supposed to survive without having this check and me without having my money in my Chase account. We have things to be payed, necessities, emergency things and important stuff.
Consumer complaint received 2019-05-22
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. (MS)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2016-03-11
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (GA)

I am filing a complaint against Experian because I am unable to remove the Security Freeze, from my credit report, I have try in the pass years on Experian website with my personal identification number to remove the Security Freeze, and attempted to pay the fee with my debit card and system was unable to process my request. I was told by the website system to provided document to prove my identity and I may send the requested documents by mail or upload to the link that was provided. I have upload the required document ( s ) to assist Experian to resolve my problem, and the system still denying me. I call the corporate office at Experian at the XXXX XXXX XXXX XXXX and I was told that some consumers experience the same error when uploading document, and some the document are received despite the error. I was then transfer to another representative who can check and see if the documents was received. When I was transferred to XXXX in consumer services, I explain what was going on, I then asked to speak to a supervisor because he was not helpful, I kept asking him are you denying me to speak to a supervisor, he kept repeating " can I ask you why you need to speak to a supervisor '', I became frustrated and hung up the phone. I call back and I was transfer to a supervisor where I was on hold for 45 minute and I hung up. I have attached copies of documents that was uploaded to Experian website along with a letter to Experian. 


Thanks XXXX XXXX
Consumer complaint received 2021-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Santander Consumer USA Holdings Inc. (NJ)

I have this police report where I stated that I lost my bag with my cards & IDs inside. I am a victim of identity theft. The fraud activity was made on XX/XX/2017 with a balance of {$650.00}.
Consumer complaint received 2016-06-12
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (AL)

The company is calling before XXXX CST concerning, a past due payment that is not 30 days old. The company called on Sunday concerning the same payment, which was XXXX/XXXX/2016, this has gone to far. During the conversation the representative was demanding payment.
Consumer complaint received 2016-12-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Fairway Independent Mortgage Corporation (AL)

I received my loan through Fairway Independent Mortgage Corporation on XX/XX/XXXX, with a first payment due on XX/XX/XXXX. Fairway emailed me on XX/XX/XXXX stating that my payment was due to them on XX/XX/XXXX. I then received a letter on XX/XX/XXXX stating that my loan would be transferred to XXXX on XX/XX/XXXX, and the first payment would be transferred to XXXX. I also received a letter from XXXX stating my loan had been transferred to them and the first payment would be due to them on XX/XX/XXXX. I paid my first mortgage payment to Fairway on XX/XX/XXXX as requested, expecting the payment to be transferred as claimed, but the payment was never transferred. When I contacted Fairway, they said they were never supposed to transfer the first payment, but that the unpaid principal balance to XXXX was supposed to be the loan amount minus the first payment - and changed the effective date of transfer to XX/XX/XXXX. I then contacted XXXX and Fairway claims they did as well. XXXX does not acknowledge the first payment to Fairway and still reflects the entire unpaid principal balance. I have contacted Fairway four times to resolve this issue and they have claimed that their research team has contacted XXXX each time to remedy the discrepancy, but no change has been made to the unpaid principal balance to reflect the first payment made to Fairway.
Consumer complaint received 2024-03-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CA)

My payment was due XX/XX/2024. I went to pay it today and there is an unfair time cutoff for the west coast. They expect payment by XXXX EST. All other credit card companies give someone until XXXX for any timezone, but not COMENITY. They took over my credit card for AAA from XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX had the non-punitive allowance of paying by XXXX of the due date. I am asking for the same consideration that every other credit card company gives their card holders to allow the whole due date for a payment and not to punish anyone not on the east coast of the U.S. They themselves are based in TX and they even penalize their employees if payment is not made using EST. How can a company continue to have such policies, they seem unfair and greedy. I ask for reversal of any imposed late fee. I paid by XXXX PST on XX/XX/2024. I pay when my bills are due and I paid this on its due date. I should not be penalized for paying on the exact day my invoice is due and before XXXX in my timezone. This is even too early for east coast cardholders, XXXX is unfair, it should be the XXXX cutoff for each timezone.
Consumer complaint received 2017-05-23
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I sent a dispute to Transunion and  XXXX  in ref to a acct with   XXXX   XXXX   XXXX   over 30 days ago. They are reporting that the vehicle was a voluntary repossession and it was not. I asked the credit bureau to validate the information and to provide me with the names and information in which they used to validate the information. They did not provide me with anything. The balance they are reporting is {$7600.00}. I asked them to please remove it if they were not going to validate and provide me with the requested information that I have a right to under the according to the FCRA
Consumer complaint received 2024-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO Bank, N.A. (CA)

we receive a wire that's in question and the bank froze my account. I asked them to return the funds to sender if they consider the transaction is high risk but they refuse to. And they decide to hold the funds instead.
Consumer complaint received 2016-08-25
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. (CA)

Covergent has a collections account on my credit file that was just refreshed in XXXX XXXX how when I never talked to you guys. The original date of the debt first delinquency was in XXXX so way is it show up with the date you guys purchased the line? Make no sense and it need to be removed from my credit all bureaus
Consumer complaint received 2017-03-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Early Warning Services, LLC (MI)

Consumer ID # XXXX This complaint is with a dispute filed with Early Warning Systems. They failed to have the company XXXX provide information used to validate the charge. XXXX reported to EWS that on XXXX/XXXX/15 I transacted or attempted to transact with an account in an unauthorized or prohibited manner. I am asking that XXXX or EWS provide the information used to validate this investigation. No information from the investigation was provided upon request. Further more they have inaccurate information in the file as far as address and phone numbers.
Consumer complaint received 2016-06-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (MO)

After selling and closing on a home in which Roundpoint Mortgage was the lender, it has been almost 60 days and I 'm unable to get a refund for the escrow balance left on the account. They have given me excuses that " the check is in the mail '', and " we need 10 business days to process '' and now they say they " need 20 days to process the check ''. I 'm getting a huge " run around ''.
Consumer complaint received 2024-05-14
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Affirm Holdings, Inc (CO)

My payment didnt go through on a {$30.00} payment to affirm and after I was notified multiple times daily of it in the week following the due date by email, text, and phone calls, I scheduled payment for the following week for the full balance of the debt ( the one missed payment plus the several payments that would follow ). Every day since scheduling the payment Ive continued to receive the same amount of phone calls, texts, and emails demanding payment. I called Affirm to try to get the communication to stop and the person on the line told me I needed to manage my debt which is why I would continue to receive the messages. He referred me to the terms of the loan as the excuse for the repeated demands, ignoring that I have already scheduled payment for the full amount just two days from now. This lender refused to stop the harassment, claiming its not harassment because its from an automated system.
Consumer complaint received 2016-08-16
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Stop placing fraud alerts on credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX dob XXXX/XXXX/1962 SS # XXXX
Consumer complaint received 2016-09-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My husband and I wrote a letter to Trans Union on XXXX XXXX, asking them to investigate errors on our credit report. Nearly two months have passed, and we have yet to hear back from them. We do n't know whey they are taking so long to respond to our request.
Consumer complaint received 2017-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

I am holding a letter from bancruptcy court that they never reported to any of credit biro agency. i am willing to sue credit agency 's for reporting from a third party not the court it self.