davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-12
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: Social Finance, Inc. (OH)

On XX/XX/2021, I applied for the SoFi Credit card with a promotion stating that once you apply for a credit card and make a purchase by XX/XX/2021 you will receive {$100.00} worth of bonus points within 45 days. I made a purchase on XX/XX/2021, and by early XX/XX/2021 the points had still not posted. I called SoFi who said that I qualified for the promotion and the points will post by my statement ending on XX/XX/2021. By XX/XX/2021, the points had still not posted to my account and I called back and they said I qualified, but they would have to look into and email me. 

I never received an email so called SoFi back the following day, and they said they would submit a ticket and get back to me. 

I still had not heard back, so again called SoFi on XX/XX/XXXX who said they would submit a ticket and I will receive my points in 10 days. 

By XX/XX/XXXX, I still had not received the points so again called. The Credit Card team stated that I was supposed to be awarded the points by XX/XX/XXXX, and transferred me to the SoFi Money team who handles the points for follow-up as the points still had not posted to my account. 

The XXXX team claims the ticket is still opened, and I would receive the points, but provided no timeline for resolution. For points I should have been awarded in early XXXX, and five plus calls to seek resolution is not fair to the consumer.
Consumer complaint received 2021-02-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Granite Edvance Corporation (TX)

This company violated my consumer rights and heavily impacted my credit score on XXXX, XXXX and XXXX by sending them to collections and on my credit accounts it states that it was opened on XX/XX/XXXX and two others on XX/XX/XXXX ; I have no knowledge of this and want this removed due to fraudulence. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " It states an entity, company, person and etc. are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts an entity, company, person and etc. post on a credit report. '' And due to Grnte Dir Ln also known as XXXX/XXXX XXXX XXXX not being able to verify the account numerous of times nor provide any type of proof I would like this removed.
Consumer complaint received 2020-07-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: UMPQUA HOLDINGS CORPORATION (CA)

Dear Sirs : My son XXXX XXXX is an XXXX in the United States XXXX XXXX. From XX/XX/XXXX to XX/XX/XXXX he was in boot camp in XXXX XXXX TX. As his mother I monitored his financial affairs while he is in boot camp, as the military cadets have no access to anything electronic and have no means of communication outside of their base. 


On XX/XX/XXXX I noticed that there was a balance transfer pending for {$3000.00} from his account. I immediately contacted the bank and spoke with XXXX advising her to stop/block the action, as it was fraudulent. I explained that my son was in boot camp and had no access to any electronics or communication and with 100 % certainty know that he could not be making the transfer. I was advised by the bank that since it was only pending they were unable to do anything about it until it cleared and I was instructed to call back the next day. The following day I called the bank and they stated that a second transfer was now pending as well. They advise me to take the remaining money out of his account immediately so that the second transfer would fail. I went into the branch and spoke with a banker named XXXX in the XXXX, CA branch, she has been my point of contact since that first day. XXXX opened the account to see that someone had hacked in and changed his account verification phone number to a number in Illinois and they changed his security questions as well. XXXX began the process of opening him a new account and went on to say that they would get the issue submitted to get the transaction reversed right away. 


Week after week I call in and speak with XXXX, she gives me false information and false promises that she never follows through with, including promises to get her manager involved to get the issue rectified, none of which she has ever done. I even had to call in for several weeks just to get her to complete the opening of my sons new bank account. XXXX makes the same excuses with each phone call and has recently stated that the XXXX department is having a difficult time because they have never seen anything like this before. We are now almost 7 months later and I still have had no resolve. 


My son worked very hard and saved every penny he earned prior to enlisting in the XXXX XXXX as he knew that as an XXXX he would earn such a small income and he wanted to have sufficient funds saved to live on. Now his money is gone and UMPQUA BANK has done nothing to retrieve it, to make matters even worse they actually charged him a fees for the transfers, they appear to not even care. I have heard that there are many others in my small community with similar types of poor customer service issues with Umpqua and more specifically the XXXX branch. 


I beseech your assistance in this matter that has now become one of  an urgent nature. 


Sincerely yours, XXXX XXXX
Consumer complaint received 2021-02-10
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: United Collection Bureau, Inc. (OH)

UNITED CREDIT BUREAU IS REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT AND WHEN ASKED TO PROVIDE PROPER VALIDATION OF THESE ACCOUNTS, MEANING SIGNED CONTRACTS WITH MY SIGNATURE, THEY NEVER SUPPLY THE CORRECT PAPER WORK. THEY ONLY SEND THESE FRAUDULENT INVOICES WHICH ARE NOT VALID PROOF OF A DEBT. FURTHERMORE THEY ARE IN VIOLATION OF 15 US CODE 1681B AND 15 US CODE 1692G AS WELL AS MULTIPLE OTHER VIOLATIONS, WHICH YOU CAN SEE IN THE ATTACHED EXHIBITS! THEY HAVE ALSO SENT ME FRAUDULENT INVOICES THAT DONT EVEN MATCH THE AMOUNT THAT THEY ARE REPORTING TO THE CREDIT BUREAUS! NOW HOW IS THAT POSSIBLE? HOW CAN YOU SEND ME AN INVOICE FOR A TOTALLY DIFFERENT AMOUNT THAN YOURE REPORTING TO THE BUREAUS? I HAVE SENT PROOF OF THAT AS WELL! WHICH WAS JUST THREW TO THE WAY SIDE. HOW IS THAT PROTECTING THE CONSUMER? THEY ARE IN VIOLATION OF MULTIPLE FRAUDULENT AND PREDATORY ACTS! XXXX IS ALSO IN VIOLATION OF 15 US CODE 1681B AND 15 US CODE 1692G!!! AND A LETTER WAS SENT TO THEM AS WELL WITH NO RESOLVE OR PROPER VALIDATION!
Consumer complaint received 2021-02-02
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. (VA)

I have mailed several disputes for a Chapter XXXX and a Chapter XXXX Bankruptcy to the following credit reporting agencies : XXXX, Equifax, and XXXX. The first letter was sent to each CRA on XX/XX/XXXX, requesting the method of verification. XXXX deleted the Chapter XXXX, but verified the Chapter XXXX as accurate. Both Equifax and XXXX verified both as accurate. No one sent me the MOV. On XX/XX/XXXX, I requested the MOV once more, with the same verified response from all three agencies. On XX/XX/XXXX, XXXX sent me a letter stating that both public records were deleted from their record as unverifiable. XXXX is listed by each of the CRAs, on their websites, as being the furnisher of such information prior to XX/XX/XXXX. Which would cover what is being reported by all three CRAs. On XX/XX/XXXX, I mailed proof from XXXX XXXX and a request for deletion due to no response on the MOV matter. I also requested that XXXX/ XXXX XXXX be removed, as it is reported as attached to the Ch. XXXX. Equifax and XXXX verified as accurate, while XXXX never opened a dispute. On XX/XX/XXXX, TransUnion verified, by phone, that the letter was received ( the other disputes were open/closed in the letter ), but that item was not addressed. They would need to " open up a dispute '' to investigate, even though they received the original request. Or wait for it to drop off. I declined because I should not have to wait another 30 days, when they failed to investigate my request. This in particular makes me feel like nothing on my dispute letter was ever truly investigated.
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a late on my credit report from XX/XX/XXXX on a XXXX card when in fact that account was paid off in XX/XX/XXXX. I called company and they said that they are not reporting this because there is no late to report. However Transunion is reporting me late of XX/XX/XXXX on that account and I need this to be removed.
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CADENCE BANCORPORATION (GA)

I am becoming more and more frustrated. I understand that mistakes happen. Nevertheless after repeatedly communicating with you company that the information that your company has been reporting is inaccurate I would like to think that you all would act fast to resolve the issue. Especially since this is a violation of ( 15 USC 1692e ), which states that ( 2 ) the false representation of ( A ) the character, is illegal! This is also a violation of ( 15 USC 1692d ) 1. ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, REPUTATION, or property of any person. By reporting inaccurate items on my credit report you are tarnishing my reputation which I will not allow even if I have to seek litigation. Also this is clearly defamation of character! 
Which I remind is you will not be difficult to prove in a court of law. 
1. I can prove the information being reported is invalid 2. I can identify your company as being the one who made the false statement ( copy of your report is easy evidence ) 3. I also can prove that this was reckless and was a knowingly made action ( I have evidence that I have contacted you guys about the error and know actions have been taken ) 4.The statement was published ( once again my copy of your reports can be used as evidence for this ) 5. The false statement harmed me ( I have proof of the denial letters that have occurred because of your misleading information being provided on my credit report ). 

Also let me remind you that the banking system relies on the accuracy and fairness of credit reporting! According to FAIR CREDIT REPORTING ACT 15 USC 1681! 

In case you did not know Civil Liability ( REMEDY ) ( 15 USC 1692k ) states that I can receive compensation for each violation! 
So please resolve this ASAP or I will seek litigation!
Consumer complaint received 2021-02-02
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. (TN)

None of these addresses belong to me. I have disputed before and I never received any confirmation. Now XXXX and the other two will not let you dispute these addresses that do not belong to me. 

Previous address XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Dispute this Previous address XXXX XXXX XXXX XXXX, TN XXXX Dispute this Previous address XXXX XXXX XXXXXXXX XXXX XXXX, TN XXXX Dispute this Previous address XXXX XXXX XXXX XXXX, TN XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX, TN XXXX Dispute this Previous address XXXX XXXX XXXX XXXX  XXXX, KY XXXX Dispute this Previous address XXXX XXXX XXXX XXXX, TN XXXX Dispute this Previous address XXXX XXXX  XXXX XXXX, TN XXXX Dispute this
Consumer complaint received 2021-02-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ACIMA CREDIT, LLC (MO)

I had an account with Acima Credit and was told by Acima, that making a settlement payment would rectify my account. My paid the settlement agreement on XXXX XXXX. In XX/XX/2020 I contacted Acima by phone asking why the account still shows on my credit report. Acima assured me that by disputing this account with XXXX would be the best way to go to have this collections removed. So I disputed the account only to have Acima update the account stating that I settled the account in XX/XX/2020, which then resulted in my payment history to show as a new collection item for XX/XX/2020 as well as XX/XX/2020. I contacted Acima and XXXX  over 20 times a piece begging for them to update my file with the correct dates for settlement and correct payment history. I understand that having those 2 recent history for XXXX and XX/XX/2020 is negatively affecting my credit and it is hard for me to find a lender to assist me with purchasing a home. I am requesting that the entire account is removed from my credit file considering Acima is reporting inaccurate information. Acima simply will not correct their wrong doing and XXXX  is allowing Acima to report inaccurate info knowingly notated the actual settlement date.
Consumer complaint received 2019-11-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (WI)

I have a major issue. I always carry a balance on my Amazon Store card. Don't really look at fees and assume interest. I have had a problem with tons of scam charges from Amazon Digital Services ( Amazon has stated they would block for me but haven't ). So I look through my bill and notice a card security fee. We are talking 50-80 at times. I NEVER signed up for this service. In fact I have attached my account where it says card security No. I can only see as far back as a year but I have been charged this fee and therefore additional interest for probably 5 years along with this random fake charges.
Consumer complaint received 2020-05-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

XXXX complaint was previously submitted. In the response by Rushmore, my home was not in foreclosure. I received the response from the CFPB on XX/XX/2020 in which I responded on XX/XX/2020 that the information they provided was not clear on. I did not receive clarification. 

We were given a single point of contact, XXXX XXXX at XXXX. On XX/XX/2020 I telephoned at XXXX XXXX  and left a message for him to phone me. On XX/XX/2020 another message was left at XXXX XXXX  for him to phone me. Then at XXXX XXXX  XX/XX/2020, the postman delivered documents that my home can be sold without going to court. 

The documents delivered today were dated XX/XX/2020 and were delivered AFTER my attempts to get details to get this mortgage situation resolved. 

I am XXXX  XXXX and suffer from XXXX XXXX along with several other ailments. Any type of XXXX  causes my XXXX XXXX  to XXXX  which then causes me to have to seek medical attention. This company is going to cause me to end up in the hospital for their lack of co operation and continued threats of foreclosure and refusal to accept our money. If they had accepted the money we have been attempting to pay them this would be cleared up by now.
Consumer complaint received 2021-07-12
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. (TN)

I have had my identity stolen ( Police Report # XXXX ) and am trying to challenge a collection on my report I do not recognize and Experian is not allowing me to dispute except over the phone but I can never get past the automatic operator because there is no option for dispute and live chat agent said that is the only way. I am tired of playing games with them and hearing their excuses.
Consumer complaint received 2021-02-02
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: BBVA FINANCIAL CORPORATION (NY)

I gave my credit card information to a Travel agent on XX/XX/2020 to purchase airline ticket for my mother but he used my credit card to purchase a different airline ticket. I filed two claims with my credit card company but the claims were denied and I was given the option to get a voucher for future use. I called Delta to get the voucher and I was told that I can not get a voucher because I do not have a ticket. The ticket purchased using my credit card was not mine. The travel agent fraudulently used my credit card. I filed a police report and the number is XXXX. The police officer advised me to call the credit card company BBVA and XXXX to give them the police report number and to try to resolve the issue with them. I called XXXX who told me that since the ticket was not purchased directly through them, I have to go to the Travel agent and the credit card company. I have been calling the Travel Agent but he is ignoring my calls and not responding to me, I filed a complaint with XXXX  and with FTC against the Travel Agency. I called BBVA and they told me that I can not dispute the charges further and that I can only dispute a transaction once. I have not pay the credit card charges yet and I am not planning to pay because I did not receive any services for the charges. I am filing this complaint with you hoping that you will help me resolve this matter with BBVA credit card company who should pursue my dispute rights and process my refund for fraudulent charges.
Consumer complaint received 2021-02-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Hello I have a second mortgage with Specialized Loan Servicing and I been trying to get get forbearance or loan modification and have send all the documentations they needed multiple times and when I call them even their systems says we have all your information waiting for review and when I log in it says the same thing. Its been months and nothing has happened and we are in pandemic which most mortgage companies help right away like my first mortgage took one day to put me on forbearance to buy me time during these hard times. This company should be ashamed of themselves since they are very unorganized. Every time I call every agents do not know what is going on. I am on a fix social security income and now since they drag this so much now when I called today they said they want a new one like Social Security changes. 

I need help to resolve this since they are just so bad in helping people in these hard times.
Consumer complaint received 2021-05-04
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)

I'VE BEEN TRYING TO GET THE CREDIT BUREAUS TO DELETE THESE ACCOUNTS THAT WERE NOT OPENED BY ME REMOVED FROM MY CREDIT REPORT SO I CAN REFINANCE MY HOME.
Consumer complaint received 2019-08-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION (VA)

I have first and second mortgages with a credit union taken out in XXXX and XXXX respectively. 
I filed a Chapter XXXX bankruptcy in XXXX that was converted to a Chapter XXXX in XXXX. I also had a car loan and 2 installment loans with the same company. Upon converting to Chapter XXXX, I reaffirmed the car loan and the installment loans. These loans have subsequently been paid in full. Payment history was given to the credit bureaus each month. 
Virginia bankruptcy law does not allow the reaffirmation of mortgage loans, therefore, I was unable to reaffirm those loans. I have paid these loans on time every month, before and after filing the Chapter XXXX. My payment history for the mortgage loans is not being reported to the three credit bureaus. 
I was told that they choose not to report because I am not " truly obligated '' to pay because the loans were discharged. I can continue to make the payments and when the loans are paid in full the deed will be released. 
I get mortgage statements every month, pay the bill via bank transfer, my homeowners insurance and taxes are paid from an escrow account, and I receive documentation for tax purposes at the end of the year. Everything is handled by this credit union except the bureau reports! This is arbitrary and capricious and disparate treatment. I pay my bill on time like other customers who have not found it necessary to file for bankruptcy protection. Why are my payments not reported? 
I was told that I could always refinance with another institution. I currently have a 4 % first mortgage. 
Not having my current mortgage payments reported, has had a detrimental impact on my credit score.  Therefore, refinancing will cost me thousands of dollars and add years to the loan. This is not fair! Why does a non-reaffirmation of a mortgage prevent the reporting of my true and actual payments to the credit bureaus?
Consumer complaint received 2021-07-12
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CL Holdings LLC (MD)

XXXX XXXX Offices says I owe {$670.00} to Jefferson Capital System XXXX XXXX. They have a court hearing scheduled as well. I have not received any full information about this {$670.00}. I do not know where this account is from. However, my first response was - went to call them ASAP to know what is this claim about, but it directs you to their site to settle the payment. And so I did, I submitted my payment plan on their site. But, I did not receive any call or confirmation. So, months later, I called again and their system is the same, it directs you to their site. This time, I emailed them to ask more about this claim, but as of today, I still have not received any information or phone call from XXXX XXXX XXXX. I think this is a scam and Im a victim of their false credit reporting.
Consumer complaint received 2020-11-19
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. (PA)

On XX/XX/2020, I wrote to XXXX, XXXX  and Transunion requesting an investigation into items that I believed were INNACCURATE To date, I have not received a reply from Them or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. On XX/XX/2020 I sent another Letter to the Bureaus and to date i still have not received a reply or acknowledgment. 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 that you post on a credit report.