davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (KS)

Purchased a flight on XXXX XXXX for {$180.00} on XX/XX/22. Promotion for {$250.00} statement credit if applied for XXXX XXXX credit card. 

Applied for the card. The {$250.00} credit was even reconciled against my {$180.00} purchase to show a +~70 remaining credit. 

When my first statement arrives, the credit is nowhere to be found. I called XXXX customer service on XX/XX/22 and was informed I actually applied for a XXXX XXXX, not XXXX XXXX XXXX. ie : only XXXX miles are received after XXXX in purchases vs a {XXXX} credit. 

This is an unfortunate bait-and-switch I would like corrected, please. Thank you.
Consumer complaint received 2022-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (TN)

I have no knowledge of this account, therefore ; it was applied under my name without knowledge. I called the company and verified that it was not my account because the birthday entered is incorrect. Also, this account was purchased by a third-party collection agency for pennies on a dollar in hopes of collecting. I have not given any company to transfer my personal information, nor have I given anyone permission to use my name to obtain these services.
Consumer complaint received 2021-05-05
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. (CA)

I purchased a vehicle through XXXX car sales. The sales pushed me to get a loan while I was planning to pay cash. I had no idea I got into the loan with XXXX XXXX XXXX which is the biggest mistake I made in XXXX! 

Here is my miserable experience with XXXX XXXX XXXX I did not receive another loan statement/or documents till it was overdue. During this time, I continue to receive decline of loan application notices from XXXX XXXX XXXX. 
I got a call from customer service stating my payment was overdue in XXXX. I told the customer service that I am going to pay off the balance and please don't report to the credit bureau. I spoke to multiple customer services and stated I am going to payoff the balance. Finally, I was informed to email to the check to a XXXX XXXX XXXX Maine. 

I mailed the check on XX/XX/XXXX and the payoff check was deposited by XXXX XXXX XXXX on XX/XX/XXXX. My XXXX XXXX was impacted on XX/XX/XXXX because of the delinquent reported by XXXX XXXX XXXX. 

Early XXXX, I received a letter from XXXX XXXX XXXX saying XX/XX/XXXX is the LAST DATE for PAYMENT, we may exercise our rights under the law. 

I thought the check was deposited by XXXX XXXX XXXX and I ignored this letter. 

A week ago I was applying for a mortgage and found out my XXXX XXXX dropped to XXXX from XXXX and I was told by the banker that XXXX XXXX XXXX reported delinquent. 

There was no emails, mails or phones to inform me about my credit score and about my payoff date ...
Consumer complaint received 2020-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NY)

XX/XX/XXXX car was in a total loss claim with XXXX the car was I was the the borrower my mother was the co borrower. On XX/XX/XXXX my mother passed away unexpectedly. Went to get the information to finish the claim couldnt because my name wasnt on the title registration or anything and she had no will ... which I had to pay for a lawyer to help me become the administrator Credit Acceptance and XXXX was aware of this, but all of a sudden they reported 2 missed payments which took 38 points away. Months later insurance company paid XXXX XXXX paid and I never received a letter with the remaining balance I had called each week finally I paid the balance account is closed and paid and still is open and late on my report
Consumer complaint received 2021-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: LoanCare, LLC (WI)

Company still refuses my request to discontinue PMI insurance even though late payments were removed from my credit report. My first request to discontinue the PMI was in XX/XX/XXXX and there were no reported late payments on my account in the prior 13 years. Since I filled my complaint, I have not been able to contact the company by phone on several attempts and waiting on hold for several hours. The company has now began retaliation efforts by holding my mail in payments and not applying them until after the XXXX of the month and adding a late fee. My XX/XX/XXXX payment was mailed on XX/XX/XXXX and not applied to my account until XX/XX/XXXX. All of my other mortgage payments mailed on the same day were applied to my all of my accounts within 6 days.
Consumer complaint received 2021-05-05
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: TD BANK US HOLDING COMPANY (CA)

I purchased a vehicle through XXXX car sales. The sales pushed me to get a loan while I was planning to pay cash. I had no idea I got into the loan with TD Auto Finance which is the biggest mistake I made in XXXX! 

Here is my miserable experience with TD Auto Finance I did not receive another loan statement/or documents till it was overdue. During this time, I continue to receive decline of loan application notices from TD auto Finance. 
I got a call from customer service stating my payment was overdue in XXXX. I told the customer service that I am going to pay off the balance and please don't report to the credit bureau. I spoke to multiple customer services and stated I am going to payoff the balance. Finally, I was informed to email to the check to a PO box in Maine. 

I mailed the check on XX/XX/XXXX and the payoff check was deposited by TD Auto Finance on XX/XX/XXXX. My credit score was impacted on XX/XX/XXXX because of the delinquent reported by TD Auto Finance. 

Early XXXX, I received a letter from TD Auto Finance saying XX/XX/XXXX is the LAST DATE for PAYMENT, we may exercise our rights under the law. 

I thought the check was deposited by TD Auto Finance and I ignored this letter. 

A week ago I was applying for a mortgage and found out my credit score dropped to XXXX from XXXX and I was told by the banker that TD Auto Finance reported delinquent. 

There was no emails, mails or phones to inform me about my credit score and about my payoff date ...
Consumer complaint received 2020-11-04
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. (CA)

I have a child support agreement with the Texas AG in which I pay support. I have bi-weekly wage garnishments setup via the Texas AG office so I get them their payments ontime, every two weeks, for the last 10 years. Every so often they send incorrect information that I am late in my arranged payments. This is the problem : they made an agreement with me to collect every two weeks, but report ontime status on a monthly basis. This creates months where I am " ahead '' in payments and months I am " behind '' in payment. My complaint is based on the idea that I am fulfilling the arrangement they setup for payment. How can I be reported late for abiding by the payments terms they setup? I have sent multiple disputes to all 3 CRAs XXXX, XXXX, and Equifax. XXXX  has blocked this incorrect reporting, but Equifax and XXXX  continue to not investigate or actually review the terms, paystubs, and Texas AG records of 100 % on-time payments that I send.
Consumer complaint received 2017-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

First of all I am a veteran so I cant get payday loans.  Look me up.  Also I have provided the police report number, told them to retrieve since they are the ones whom did this to me.  Also where is my actual signature.  Electronic signature I  would never do that for a loan.2nd this person was awfully rude.  Unbelievably rude.   That is not my bank if you must know.  I go to a well known bank which I won't be giving any information because I still do not know whom this company is.Because I do not know whom you are.  The number you gave me was out of state.  Now you are being incredibly rude to me.
Consumer complaint received 2023-02-01
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. (NJ)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

XXXX XXXX Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-10
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. (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 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 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 2020-09-05
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: EOS Holdings, Inc. (RI)

I keep getting harassed by a debt collector named Collecto , Inc . They do business as EOS CCA. After I kept getting calls from them, I sent a certified letter to them just like the FTC and CFPB advise consumers to do. In my letter, I told them I disputed the debt, and I told them, " Please don't call me. '' I also told them that they had the wrong number. They still called me. So I sent another letter. They still called me. So I sent another letter. They still called me. So I sent another letter. They still called me. So I sued them. They removed the case to federal court and then ... .wait for it ... .they still called me. So I sued them again. They still called me. So I sued them again. They still called me. 

When they call me, they are using an automated telephone dialing system. I know this because they call me and then hang up on me.

They have already admitted in federal court that I don't have an account with them or owe them money, but the harassment continues.

Collecto is now DELIBERATELY calling me and hanging up because they want to retaliate against me for suing them. 

This is ridiculous and I want it to stop.
Consumer complaint received 2020-09-05
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (FL)

Today, XX/XX/20, I applied for an Apple Card by Goldman Sachs Bank USA. I was denied and the only reason stated was " You have recently been past due. '' I immediately pulled a XX/XX/XXXX credit report since that is the report that was used in determining my eligibility. My XX/XX/XXXX report doesn't show any late payments. I even went back 2 years. I also called XX/XX/XXXX to ask if they saw anything different. They confirmed that they also did not see any late payments reported. So, I called Apple Card by Goldman Sachs Bank XXXX XXXX XXXX and asked this issue to be looked into further. The Apple Card manager from the XXXX XXXX XXXX XXXX of the President department that I spoke to, XXXX, said this issue couldn't get escalated nor investigated. I asked him what exactly " recently '' meant in their terms and he said he wasn't allowed to provide any specifics on the definition of what " recently past due '' meant.
Consumer complaint received 2020-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (FL)

Santander Consumer USA has been reporting randomly to the 3 major credit bureaus that my balance increases, when it should be decreasing. Ive been making my payments on time, even paying a little extra to avoid fees and interests, and my balance should not be increasing, it should be decreasing. Ive already paid to them more than 30k and my debt amount its not decreasing, theyre fraudulent
Consumer complaint received 2020-09-05
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2019-11-16
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: Experian Information Solutions Inc. (NC)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX For XXXXExperian & Attorney General/Consumer FinanceXXXX. 
XXXX : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft in XXXX The affected accounts are listed below. 
XXXX XXXX XXXX ACCT : XXXX AMT : {$7700.00} XXXX ACCT : XXXX AMT : XXXX XXXX ACCT : XXXX AMT : XXXX Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, Ex, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, XXXX  and Experian, However, XXXX  ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX  and Experian all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/XXXX 2019
Consumer complaint received 2017-12-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (FL)

Recast loan misleading - In a XX/XX/XXXX letter, from US Bank, my payment was, to be, as stated ( with recast ) : Principal & Interest, {$240.00}, Current escrow {$97.00}, Total monthly payment {$340.00}. On my XX/XX/XXXX letter, from US Bank, my payment is, to be, as stated ( with recast ) : Principal & Interest {$270.00}, Current escrow {$97.00}, Total monthly payment {$370.00}. Why is there a principal & interest difference of {$32.00} in the XX/XX/XXXX letter, compared to the XX/XX/XXXX letter? I am not signing this document unless it is drafted, as stated in my XX/XX/XXXX letter, payment = {$340.00} monthly. Please clarify & correct the amount, or cancel my recast agreement, this not what we agreed upon. Sincerely, XXXX XXXX. Hello, Typically there is a fee to recast ; however, the offer you were sent to recast under the MHA program is free. You can return the request to recast letter of intent that was included with the letter mailed to you on XX/XX/XXXX, either by scanning it and emailing it back to this email address or mailing it into our office at : U.S. Bank - Recast Dept, XXXX XXXX XXXX XXXX , XXXX WI XXXX. Let us know if you have any additional questions. Recast Department, Mortgage Servicing, XXXX Ext XXXX, XXXX XXXX. Total mortgage amounts changed, I was sent an email there would be no fee, then I got a letter today stating a {$250.00} fee. Please help me as I think US Bank is being deceitful & using trickery to foreclose on my home. Thank you. Sincerely, XXXX XXXX.
Consumer complaint received 2020-09-05
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. (IN)

This is most certainly a repeat of the last many complaints. This concerning complaint number XXXX. Yes TransUnion has responded. No, TransUnion has never addressed my complaint. TransUnion has stated many times I need to take my complaint to XXXX. I have stated many times that is who I went to first. I have also gone back to XXXX XXXX  several times. XXXX XXXX   has sent me documents backing up their position they never submitted a form stating I was late. 

TransUnion has been asked many times to produce the document they claim to have from XXXX XXXX  stating I was late. TransUnion has yet to produce it. 

They have suggested I call TransUnion. I have, probably over 1-1/2 dozen times. They have always told me they cant find the document I requested. When I ask why TransUnion published I was late, they say  they got a document from XXXX XXXX. When I ask for a copy, they say they never got. So then I ask why they published I was late, they say they got a document from XXXX XXXX. I ask for a copy and they say they never got it. You get the picture. 

Again I will state the obvious, just because they responded, doesnt mean they actually addressed the problem. They never addressed my question.
Consumer complaint received 2021-01-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Account Management Services, Inc. (CA)

I was hospitalized until XX/XX/XXXX. XXXX XXXX XXXX was the XXXX  attending and saved my life he sent a bill in XXXX while i was still in t5he hospital. I was discharged on XX/XX/XXXX from hospital. On XXXX I called his office to send a gift basket they never informed me I had a bill outstanding and put me in collections. I never received a bill if I had I would have paid and not given him a review that went viral nor spent XXXX on a gift basket. I want a complete deletion bullseye from my account on XXXX and an apology from the drs office in writing
Consumer complaint received 2023-03-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (GA)

XX/XX/2023, National Credit placed a collection on my credit reports after the Original Creditor XXXX XXXX had charged off the account. I was never aware of a new open collection on my credit reports until I was denied credit. I found out that National Credit had bought the debt and never notified me of the facts. I sent a certified letter to the letting them know of their violation and to remove their collection account off my credit reports. But to date I got no reply and the collection account remains on my reports.
Consumer complaint received 2021-03-03
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. (HI)

In previous responses ( XXXX, XXXX ), the company ( XXXX XXXX XXXX ) did not provide me with the requested documents. 
I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
XXXX XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I encourage a response from you expeditiously.
Consumer complaint received 2022-04-03
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings (AK)

The collector was using abusive language. My roommate who is also involved in the debt. said that he cussed at him. While my roommate was in the hospital just after having twins he called him. And he told him he didn't want to talk to him right now due to being in the hospital he said " I don't care, you need to deal with this right now.