davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-10
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: BARCLAYS BANK DELAWARE (NM)

On XX/XX/2021 I revived an email solicitation to apply for the Wyndham Rewards Earner card. The promotion stated that this was their " Best offer yet '' earn XXXX  points after spending {$1000.00} in the first 90 days then XXXX  after spending {$2000.00} in the first six month. I applied for the credit card under this promotion by clicking on the links in the email solicitation I received. 

On XX/XX/2021 I received any email stating " Congratulations! '' " Welcome to you new Wyndham Rewards Earner Card account '' I was approved for the new account. 

On XX/XX/2021 I received an email stating my card was active and ready to use. " Just a note to confirm we've activated your Wyndham Rewards Earner Card on XX/XX/2021 '' I have spent the required amounts to receive the bonus points promised but they were not showing up in my account, I have made over 20 calls to get this resolved no one has been able to get this fixed. At one point they asked me to fax them my documentation showing the promotion I applied for, I did so and still not response.
Consumer complaint received 2020-12-10
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: AMERICAN EXPRESS COMPANY (NY)

Notice of Rebuttal XX/XX/2020 On XX/XX/2020 Ive received a piece of communication from American Express, claiming that the billing dispute with XXXX for the amount of {$250.00} was resolved. In that message merchant provided a copy of the same receipt they had provided previously, on top of that theyve had included some new manually written comments, but a part of that they didnt provide any other new documents, while Ive previously submitted copy of the billing statement from XXXX Visa and a copy of digital receipt from XXXX XXXX  all of these could be found attached and are already saved on file. When Ive requested the dispute to be appealed and processed again it was opened and closed the same day. 
I dont agree with the outcome of the investigation, I dont feel that the documents submitted by me and therefore the whole billing dispute was processed accordingly and request the appeal by the higher office of American Express and looking forward inquiry be sent back in to dispute. Please, consider document previously and currently attached and credit back {$250.00} back to my XXXX account. 
Kind regards, XXXX XXXX
Consumer complaint received 2019-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NY)

Unfortunately, Citi does not provide a way to send them a secure message. I'll not " chat '' about my credit report, I'd rather send a message and receive a follow-up but Citi no longer offer this option. 

This is in regard to account ending in XXXX. 

I received my annual credit report and I notice that Citi is including a remark DRC DISP INVG COMP-CONSUM DISAGRS every month, since XX/XX/2017, until today. 

This is incorrect and abusive. For over two years Citi has been putting a remark, every month, that I have a dispute and disagree with it. 

Bad attitude like that leaves me with no option other than lowering, or stopping, the use of any Citibank services.
Consumer complaint received 2017-12-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MO)

I agreed to pay XXXX per month on my purchase in the store. they financed through Synchrony Bank. within the first few months, I received a bill with a late fee. I have paid the XXXX every month - ahead of the due date. at that time I called them and they stated that the first month was late. we discussed the due date and I assumed they were correct on the first payment an made the additional payment to clear the problem. Since then - every single month they have added late fees to my account .... those fees now exceed the original purchase price of the bed I bought. they have called and harassed me for payment for months. calling at all hours several times a day - every day. I called again today to try and speak with a supervisor on the issue as every other time I call I get someone who just repeats that I owe this amount. I spoke to someone named XXXX who again stated that I owed the fees as I was not on a fixed payment plan. that is news to me. he stated that as the fees went on the payment needed increased and I was not making that minimum payment. again I explained that I was NOT late making payments and he repeated that I owe the money and how much I owe without even acknowledging my statement about the late fees being added incorrectly in the first place. I have made my payments in good faith and will continue to do so until the original balance is satisfied. they have done significant damage to my credit rating with these fraudulent fees. I will NOT pay the fees.
Consumer complaint received 2020-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (TX)

I recently received unsolicited replacement credit cards in the mail from Chase Bank. These new cards have the same card number but entirely new security codes and expiration dates. They also have the tap to pay feature which is not something I want for security reasons. They automatically updated my account to show these new exp dates and security codes without me verifying receipt of the cards. The card they are replacing does not expire for years so I would have no reasonable expectation that these were being mailed to me and if lost in the mail I would never have known about them until my auto payments were denied due to mismatched security code and exp date or until somebody else found them and began using them. I do not want to have to go through every autopay account I have to update this information and have tried to deny these cards or opt out but chase wont allow me to. Theyve also stated that there is nothing I can do to stop future unsolicited replacement cards so I have no peace of mind that another card in my name could end up floating around down the road. I will be cancelling my accounts with chase once I have new accounts set up elsewhere but would like to see them be forced to stop this practice.
Consumer complaint received 2020-12-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FinCo Services Inc DBA Current (MO)

XX/XX/2020 for XXXX to XXXX. XXXX was not authorized nor would release my payment. Had to file a dispute with current bank app. The issue was supposed to be resolved in 90 days however they just keep telling me there is no update. 

Also if you have direct deposit, pay for XXXX premium member and it is at least 500 a month you are supposed to get XXXX overdraft. I exceeded their requirements and they say I dont qualify for that and will not tell me why but their terms state all you need is the above I listed
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-04-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lockhart, Morris & Montgomery Inc. (SC)

An account was placed in collections by Lockhart, Morris, & Montgomery of XXXX, XXXX  on my XXXX credit report on XX/XX/2022 in the total amount of {$7000.00}. I never received any type of documentation or communication in regards to this matter. I have attempted to reach out to the company in regards to the legitimacy of this debt, but I have yet to receive a response.
Consumer complaint received 2020-12-10
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)

On XX/XX/2020I sent a letter certified mail to the targeted company stating there is a number of 'alleged ' student loans listed on my credit report and I do not recognize any of them and am requesting that are deleted per FCRA 623. For which they have been directly negatively effecting me and are starting to cause damages to my life.
Consumer complaint received 2020-12-10
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

The credit reporting agencies deleted incorrect and/or incomplete information, only to recently report the erroneous data again. The credit bureaus service failed to report deleted negative incorrect accounts in all three credit reporting agencies.
Consumer complaint received 2020-12-10
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: AFNI INC. (IL)

I XXXX  XXXX  receive negative information on my credit report that adversely affected me from getting a home loan.This company Afni inc has filed a delinquent account with the 3 credit bureaus under my social security number for an account that is not related to me. This posted on my credit report as of XXXX XXXX. I followed up with a dispute letter an later an validation letter no response. So on XX/XX/2020 I resubmitted an validation letter and on XX/XX/2020 my credit report was updated and reported as previously in dispute - now resolved by subscriber. I have never heard of this company before nor had an account with them. This company has never reached out too me about this account or sent out any documentation about this item. I am looking for a swift resolution of removal from my credit file to continue the home loan process.
Consumer complaint received 2022-04-26
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. (AL)

I reviewed my credit report and based on what I read on the FCRA. Negative information has to be deleted 7 years from the anniversary date of the error or seven years from the first date of delinquency. Well when I combed my credit report I noticed some old negative information that has not be deleted based on the law as It relates to the seven year deletion date. I need this information deleted immediately and here is the incorrect information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-17
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. (OH)

I Have called and i have so sent Proof and verifications of new addresses months before hand and the correct address has not been updated to my credit profile and every address on my profile has not been removed.
Consumer complaint received 2020-12-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC (MD)

Around XX/XX/XXXX I received a letter from Dynamic Recovery Solutions dated XX/XX/XXXX. The letter states there client XXXX XXXX XXXX has purchased my debt from XXXX XXXX  and they are attempting to collect it for them. The debt amount is for {$1000.00}. On XX/XX/XXXX I responded with a letter requesting more information about this debt including receipts that where already paid towards the debt. The tracking shows this was received by Dynamic Recovery on XX/XX/XXXX. USPS # XXXX. On letter dated XX/XX/XXXX Dynamic Recovery responded with a Word document showing amount owed and no proof of any previous payments. On XX/XX/XXXX I responded to Dynamic recovery with a copy of the receipt to XXXX XXXX  showing account was paid in full on XX/XX/XXXX. I requested Dynamic recovery to notify all parties that this debt is paid in full and requested to end all communication with myself. USPS # XXXX. On letter dated XX/XX/XXXX, Dynamic Recovery sent another letter. This letter was similar to the original letter. Dynamic Recovery never acknowledges receiving the copy of the receipt showing paid in full. Dynamic Recovery is again currently trying to say if I don't acknowledge this debt within 30 days of the date then they assume its valid.
Consumer complaint received 2021-10-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Byrider Franchising, LLC (TX)

J.D.Byrider used predatory lending tactics and other deceptive sales overall in bad faith sales car to customers price gouging. I made a partially pymt & they illegally repo car. Than told me I could pay remainder pymt plus repo fee I would get car bck, than they restated current conditions & added one month pymt in advance gave me 30 days to complete this. Nearing the 30 day I called to confirm amount due they than said never made this verbal agreement and my car was gone. Than told me I was 55 days past due and reject a pymt in their back office never refunded actual money so they illegally rigged their accounting books and total revs my loan and took XXXX down pymt never notified me about personal belongings .I had items totaling XXXX in trunk of vehicle
Consumer complaint received 2020-12-10
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In XXXX and XXXX of 2020, I filed a dispute with this credit bureau about the unverified account : XXXX XXXX-Account # XXXX XXXX XXXX XXXX- XXXX XXXX XXXX. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today. Thank you
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: PNC Bank N.A. (AL)

In 2019 I called BBVA to close a credit card and thought it was closed. Now that BBVA is merging with PNC, I received a notice that a new card was being issued. I called the automated line and found that it was still active. When I attempted to reach an individual ( twice ), the system said they could not take callers and try another day. 

I feel that BBVA 's negligence is creating a risk potential by failing to close accounts on request and leaving active card numbers available. 

The card is for a small business that is no longer in existence.
Consumer complaint received 2020-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (TX)

Hi, I have XXXX credit card for which i pay monthly payments thru automated pay. I was never late for the payment. For the last payment, my automated payment stopped and i never received any invoice to pay the remaining balance. As i never received any bill, i never paid the balance of {$160.00}. I paid entire balance when they called me. But by this time it was reported to credit bureau. I disputed thru XXXX  but they have not removed the delinquent payment record from my credit reporting. This is negatively impacting my credit score and having difficulty in refinancing my home. 

Bank : COMENITYCAPITAL/XXXX
Consumer complaint received 2017-12-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (WI)

Back in XX/XX/XXXX we started receiving bills and collection notices from XXXX in Illinois for charges incurred at XXXX XXXX XXXX XXXX XXXX IL and XXXX XXXX XXXX XXXX XXXX Illinois. We have NEVER resided at either of these addresses, nor have we incurred the charges mentioned. We have lived in Wisconsin XXXX  sinceXX/XX/XXXX and do not use XXXX services. We notified XXXX of this and they turned us over to XXXX XXXX for collection.
I was a victim of identity theft inXX/XX/XXXX and hired XXXX to help resolve this problem. I did everything as instructed, including filing a police report and sending all necessary documentation to XXXX to forward to both XXXX and XXXX XXXX.
This was done, and XXXX and XXXX XXXX persist in pursuing this debt, which was not incurred by me, and they are ruining my credit record. I will not pay a debt that was not incurred by me and I have done everything I can to clear this up. It cost me {$300.00} to get XXXX to pursue this and it has n't stopped.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: V and H Portfolio (FL)

XXXX phone # XXXX XXXX XXXX XXXX Is reporting this false account on my credit report XXXX XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone number XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-10
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: AMERICAN EXPRESS COMPANY (OH)

I recently reviewed a copy of my credit report and seen there were some accounts that are not mines and will need them removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : Accounts : XXXX # XXXX ( 2 times ), American Express # XXXX, XXXX XXXX XXXX  XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX/ XXXX  # XXXX, XXXX/XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX ( 2 times ), XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX, XXXX  /XXXX  XXXX  XXXX XXXX XXXX, XXXX/XXXX  # XXXX, XXXX XXXX  XXXX XXXX XXXX. 

Please Delete incorrect names : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Please Delete Address that does not belong to me : XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX 1944 XXXX XXXX XXXX. XXXX  XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, Ohio XXXX Please Delete Telephone numbers that does not belong to me : ( 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 This is my number ( XXXX ) XXXX UNKNOWN INQUIRIES : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX CARD, 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 2020-11-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.M. Galicia, Inc. (CA)

Never received documentation from collection agency. I received correspondence from hospital in which I filed a written dispute of and also contacted insurance company. Insurance company advised XXXX  entered wrong billing code and should resubmit. Never received any additional correspondence from either the XXXX  nor any 3rd party. This item posted to credit profile out of nowhere Contacted collection agency they stated they had no record of my name or social in their database. Turns out its under my XXXX XXXX XXXX daughter. I gave them a cease and desist and advised of the circumstance also further advised I have received XXXX communications advising of collection efforts after my dispute and provided call logs where I contacted them and was advised they have no record of me