davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-06
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have a Bank of America XXXX XXXX Credit card ... .they had a 5 % cash back promotion which I registered for for purchases made thru XXXX XXXX, 2014. The ad said 5 % cash back on purchases made at qualifying book, toy, electronics, sporting goods and department stores. I made a purchase at XXXX XXXX XXXX -a dep't store in XX/XX/2014. 
I have not received the rebate ... I called the bank 's credit card 's phone # and the agent told me that the reason was that XXXX XXXX XXXX is n't on their qualifying list ... it is considered a " high-end '' retailer unlike stores like XXXX XXXX or XXXX XXXX. 
I believe that this is false advertising ... had I known that this was an unqualifying store, I would have used XXXX of my mileage cards instead! 
The purchase was for some {$110.00} so the cash back would have been about {$5.00} ... but that is n't the point ... .this bank to me, has falsely advertised it 's promotion!!!
Consumer complaint received 2022-01-07
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. (MO)

Personal statements are ineffective and ignored multiple credit card and lending companies have ripped me off try to deny me try to deny me my legal rights and protections and then refused to get their grubby paws off of my credit files for inaccurate reporting for more than 7 years straight. Then these companies resale the information to other credit reporting agencies there are 23 listed on the ftcc website and not a single one is in compliance. Furthermore all bureaus are refusing to update my information without demanding information from me I will not be volunteering information these companies have too much of it already I'm repeatedly denied credit due to this extortion based on inaccurate data and the refusal to release information. I never locked my files they must be unlocked they must be accessible and he's bureaus continue to play games for more than 3 years straight. your Ombudsman refuses to do their job.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

i am a identity theft victim. i have aquired a police report and a id theft report as well. 

inaccurate items as follows XXXX XXXX balance {$6600.00} this account was open by someone else chapter XXXX bankruptcy reported XX/XX/2013. not my account. 
XXXX XXXX {$260.00}. not my account
Consumer complaint received 2015-04-15
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

In a letter dated XXXX XXXX, 2013, Capital One Bank agreed to satisfy a default judgment against me which had been fraudulent obtained when the process server claimed to deliver it to an address where I had not lived for several years ( previous CFPB complaint CFPB XXXX ). As of today, more than a year later, XXXX County court records indicate they still have not done so. I need for Capital One Bank to do the right thing, as it promised in 2013. Thank you.
Consumer complaint received 2016-02-10
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: AMERICAN EXPRESS COMPANY (OR)

Went to XXXX Bank ATM to with draw money. Said call financial institution. Tried XXXX other times with different amounts. Stated the same " call financial institution. 

Called American Express they said the ATM show money was disbursed. I never received money.
Consumer complaint received 2016-08-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc. (PA)

XXXX XXXX, XXXX I have been plagued by the mistakes of XXXX going back to XXXX and most likely prior to that time. I have attached a letter I wrote to them back to XXXX which was my third request to them pointing out their mistakes and never received a replies to any of my letters. I cut the service in XXXX XXXX and went to XXXX XXXX and XXXX continued to bill me for three more months. I have asked for an accounting of my account and never received this. They sent a collection agency after me and I told them this would not be paid as XXXX actually owes me money. I travel frequently for work and can be gone for months at a time and really just did not have time to deal with a problem of {$130.00} dollars. 
They put a collection on my credit report back in XXXX and just recently they assigned another collection agency who filed a collection on the same amount driving down my credit score down once again. If you look at my credit these people are the only ones I have ever had an issue with. 
I am requesting a complete investigation of my account as I believe the root cause is somewhere along the line they changed the long distance telephone service to non-long distance and every time a call was made long distance charges were being assessed ( who would sign up for that??? ). I had an automatic payment set up, however my XXXX XXXX who is living at the property would pay the additional amount out of funds I was giving her. 
When I inquired on this on XXXX XXXX XXXX, I spent hours on the phone and finally was given to somebody in the back office who discovered the problem and said this could take months to fix, however was supposed to change over the service at that time back to long distance. Again thinking this was taken care of, I was notified again the service was shut off?? Good grief what does it take to get something fixed and why was this so complicated? At that point I was frustrated and canceled the service going with XXXX XXXX for the service provider in XXXX XXXX and XXXX continued to bill me for another three months. As you can see they owe me money. 
In addition, I told them all communications should come to me at my residence in PA and that never happened as well. 
I am requesting a complete audit of my account and I really think this goes back to XXXX when I relocated. I want whatever refund is due back to me and my credit cleared. I also believe because of the damage this has done to my credit I should be compensated accordingly. If not, I will go to the media and every agency out there to continue to have this fixed. I will not go away as this needs to be resolved once and for all as it is unbelievable the service that is provided with calls being offshored and I really think they just want you to give up and pay for their mistakes. 
The collection agency is IC System XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX XXXX XXXX Account NO XXXX IC System reference NO XXXX Sincerely, XXXX XXXX
Consumer complaint received 2018-03-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (FL)

on XX/XX/2018 I received a letter from ONE main financial, saying they had denied me on a credit line, well i never applied, so i log into into my XXXX account and saw they had an inquire on all 3 reports, i remember getting an invitation from the either XXXX or XXXX which i call to inquire, when i spoke to their operator she told that their interest was around 10 % then i said " No thank you very much '', never authorized for a credit run, i am no about to pay anyone 10 % on a credit line. yesterday i call their XXXX number i explain teh situation, hoping to get some resolution, the first operator " Hand up on me '', on the second dial the second play dump, refused o give me her name when ask to be transfer to a supervisor, when i began to tell teh supervisor, that i had received an invitation, call ad never apply since their rates were to high, she stared saying that perhaps some one had taken the letter call and apply, i said to her it was impossible, since i had sheered the paper, we have a big sheered in my office for all personal documents..then she stared playing the game she couldn't hear.. i have an i phone XXXX..and my service is with XXXX which is clear as whistle, keep saying i cant hear you and hang up..when i try to dial again, none would come up on the line.
Consumer complaint received 2015-10-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (TX)

. I submit a Letter Of Validation to Midland Credit Management. To provide me with the following : Agreement bearing my signature, or contract, valid copies of the debt agreement. A complete payment history on this account along with an accounting of all additional charges be assessed? Anything stating I have agreed to assume the debt. As of this date, I have n't received copy of the alleged letter verify information provided by the seller. Midland Credit need to provide all documents to myself and Bureau of Consumer Financial Protection. Midland Credit has n't response to my Letter of Validation. Midland Credit, have n't removed anything from my Credit Report, they only requested that the XXXX Credit Bureau place account in " Disputed '' is the letter shows. The response notice was n't what I demand from Midland Credit, I am sending the response notice to show the inaccurate of Midland Credit, in my request. I demand Midland Credit send documents showing there accurate of this account number : MCM : XXXX. Originally Creditor XXXX, Originally Account : XXXX.
Consumer complaint received 2023-03-28
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. (CA)

XX/XX/2023 Hello I am filing a report regarding my credit file on all 3 bureaus.

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 their 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. I demand the following accounts be verified or removed immediately. 


Name of Account | Account Number | Provide Physical Verification XXXX XXXX XXXX XXXX | XXXX | Unverified Account XXXX | XXXX | Unverified Account XXXX XXXX | XXXX | Unverified Account XXXX  XXXX | XXXX | Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 
Thank You,
Consumer complaint received 2021-05-21
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: U.S. BANCORP (CA)

Savings Account -- > XX/XX/2016 XX/XX/2016 ( US Bank ) $ XXXX {$11000.00} taken out of my Account XXXX XXXX one getting access my mail. My debit card sherifs had it while I was locked up. {$500.00} was pulled out from XXXX us bank & {$500.00} XXXX XXXX bank each day for ten days straight when I went 80 % to 100 % .. 
XXXX XXXX my ex who put restraining order on me was dating XXXX & XXXX XXXX linked to house XXXX XXXX XXXX Scamming me {$1500.00} a month supposed XXXX ( XXXX, new car, red light rent ) Apparently XXXX wanted child visitation & my parents used her bait for me go jail over or should I say XXXX. 
Meanwhile I'm new directions @ VA like guinea pig not going anywhere but bad background record trying defend my bloodline
Consumer complaint received 2018-12-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc. (GA)

In XX/XX/XXXX I received a Modification on my home with XXXX XXXX that did not lower my Mortgage enough to help make payments affordable.I had to find more work since I am on Social Security XXXX.I made all monthly payments even though some were sometimes late. 
In XX/XX/XXXX I was granted a Disaster Forebearance for 6 months because my work was affected by the Hurricane. The Forebearance was extended an additional 6 months because my financial situation had not been resolved. 
In XX/XX/XXXX I applied for another Modication to include the money owed during the Forebearance but was denied for all programs. 
I was told by SETERUS INC that I could not make the XX/XX/XXXX payment because it would not be accepted until the months owed during the Forebearance were paid.I have applied for HOME SAFE GEORGIA to pay the arrears and am awaiting their decision. I informed the Mortagage Company of this. 
I have been in frequent contact with the SETERUS INC to keep them informed of the status of the application but was told on XX/XX/XXXX that I received an INTENT TO ACCELLERATE in XX/XX/XXXX DURING THE FOREBEARANCE that is still active and they could start FORECLOSURE. 
I AM IN FEAR OF FORECLOSURE.
Consumer complaint received 2022-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (GA)

I wrote a check to my daughter, XXXX XXXX, on XXXX XXXX for {$800.00}. I put it in an envelope and mailed it to her in XXXX XXXX, CO. The check was stolen out of the mail ( never arrived at her house ) and altered. The amount was changed to {$8000.00} instead of {$800.00} and the recipient was changed from XXXX XXXX to XXXX XXXX who is unknown to me. The check was cashed or deposited ( not sure which ) at XXXX XXXX XXXXXXXX. It came to my account on XX/XX/21 and {$8000.00} was withdrawn from my bank account. I informed the bank ( SunTrust or Truist after a merger ) of this fraudulent transaction on XX/XX/21 and a customer service representative took the information and gave me a fraud number XXXX. I have called customer service at the bank 2 x per week which included hold times of 30 min. to 1 hour. The customer service rep. checks on the progress but really has not addressed any progress of significance. I have also spoken with the manager for the branch I use ( XXXX XXXX XXXX in XXXX, GA ), She contacted the fraud branch and got the same information as I had gotten from customer service. I am not allowed to talk to anyone that is part of the fraud office. I have been waiting for results for 6 weeks, but so far no results.
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

CFPB + TransUnion, This complaint is in regards to the latest credit report as of XX/XX/2022 and my name showing as wrong - please see attached for : - my drivers license - my social security card - my address- my written complaint - screen shots on report where it shows up as wrong Please get rid of all wrong/inaccurate name variations
Consumer complaint received 2017-03-26
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. (SC)

I was alerted on XX/XX/XXXX that Convergent Outsourcing is reporting a debt from XX/XX/2017 according to their reporting for a {$420.00} debt to XXXX. I do not owe any debt and demand that this be taken off my credit immediately.
Consumer complaint received 2015-06-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (KY)

SLS ( Specialized Loan Servicing , LLC ) will not send monthly statements, their web site is always down and the folks there are very rude, I believe I 'm being charged too much on my mortgage interest. They pay our state property tax late even though I send it early costing me more, we get no monthly payment, or payment booklet statements what so ever on any thing except at the end of the year for Federal tax purpose, there is a web site with XXXX of complaints on this company, someone needs to look into their in my opinion illegal practices..
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

They are mistaken me for a d/b/a putting student loans and child support on my report Im a man not a business I hold the name as trustee an and only work in interest for the beneficiaries in a private unincorporated living trust you guys need to fix your error with the mistaken identity as its causing financial hardship how ima be in all those places at one time? Negligent noncompliance is the cause of action ; action being negligent gross the most and now I have proof two different people and Im harmed And whomever those papers for in XXXX XXXX Im in XXXX so how do they have my social? And I keep telling yall its not mines as you can see fraud accounts keep coming up even with a locked account just learnt that from Experian who tells me Im the mail They need more verification for my own file they letting everyone but me have access to been denied personal credit amd I see why now yall XXXX  someone XXXX me out but give me a hard time about my own.
Consumer complaint received 2016-09-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Alorica Inc. (ID)

I answered the phone and they continusly asked for my direct banking informationand kept demanding I give them my routing number and account number.. I explained I would not give that info, nor would I give my address without them giving me more information.. They call nonstop at all hours.. I explained that if they would mail me something verifying who they were, who the debt was from and the amounts I would work on paying it.. They again wanted me to give them banking information and set up automatic debit.. I again explained once debt was verified in writing I would set up payments but would NOT give them banking info..
Consumer complaint received 2015-09-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC (CA)

Eronneous charges from XXXX XXXX is {$160.00} on collections from XXXX XXXX. The charges are not accurate and is not associated with my service. The collections is posted to my credit by the company noted below : Pinnacle Credit Services LLCXXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX 've tried to contact them numerous times without response.
Consumer complaint received 2015-05-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: SLM CORPORATION (FL)

I am a recent graduate of the University XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, FL. I applied for a Sallie Mae XXXX study loan in XXXX. I was approved with a cosigner. After approval, Sallie Mae needed my cosigner to electronically sign the note. My cosigner was unable to electronically sign due to an ongoing error with Sallie Mae 's website. We requested a paper copy of the paperwork be sent. Sallie Mae sent my cosigner documents which he signed and sent back. I was then informed by Sallie Mae that the paperwork they had sent was the wrong paperwork, and that they would need to send the proper forms. Despite informing me that the forms would be put in the mail multiple times since XXXX, nothing ever arrived to my cosigner. I call Sallie Mae on a daily basis and am shuffled around and transferred to multiple people, who seem unable to send out a simple form. It is now two months later and I am still waiting to obtain the funds from my loan. I am repeatedly promised that the problem is being handled, but no one has resolved this simple issue.
Consumer complaint received 2022-09-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Conn's, Inc. (TX)

I received a call from Conns on XX/XX/2022 attempting to collect payment on my account, rightfully so. I spoke to a guy named XXXX XXXX set up payment arrangements with so that my account could be paid on XX/XX/2022. After I set this arrangement he tried to get me to pay half sooner, I declined, he then stated that I would get late fees, I let him know I understood. Lastly, I asked if the calls would stop since I made arrangements. XXXX then told me that they would report my account as a way to deceive me into making a payment sooner. I never asked anything about credit reporting. I am making this report as I feel that these deceptive practices may be happening not only to me, but to other customers.
Consumer complaint received 2015-08-12
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit & Collection Recovery Services, Inc. (AL)

Credit & Collections is continuing to attempt to collect on a bill that has already been paid. What they are reporting to on my credit reports is inaccurate and is causing me undue hardship. I have disputed this with them and they have not responded to my letters and I have called. There rep verifies that this account was indeed paid and tells me it will be removed. However, it is still being reported and when I dispute it with the credit reporting agency, the come back as it being correct. Please help!!!
Consumer complaint received 2022-09-05
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. (PA)

I Asked the credit Credit bureaus to complete a verification on everything on my credit report. They did complete the report and stated that everything was accurate. I went and did a thorough research myself and found improper and in accuracies on my report every after there report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the recordings of the Fair credit reporting act # XXXX has violated my rights. 
15 U.S C 1681 section 602 A. states I have the right to privacy.

15 U.S C 1681 Section 2 : it also states a consumer reporting agency can not furnish a account without my writing instructions
Consumer complaint received 2019-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

I opened a promotional checking account with HSBC in XX/XX/2018.. after meeting the requirements on the promotion website. HSBC is yet to pay me my bonus of {$200.00}. 
I spoke to three differents customer service but none of them are helpful and they keep telling me different things. 
I think HSBC promotional checking account being advertised is a scam because my bonus was not credited which forced me to close down the account, coupled with customer agent 's not doing their job well.