davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-20
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: EQUIFAX, INC. (CA)

I checked my credit report today XX/XX/20 because I plan on refinancing my auto loan soon however, I saw several accounts on my report that I never opened. They are from several different companies that I am not affiliated with in any way. I don't know who opened these accounts in my name without my permission but I did not gain anything from them such as money, goods, services or any other benefit and I never made any payments towards these accounts. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts. I do not have any written/verbal contract with any of these companies and I did not give them permission to access my credit file. I have filed this report to the best of my knowledge.
Consumer complaint received 2024-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (VA)

I am a British Citizen but an XXXX XXXX member of the XXXX XXXX since XXXX XX/XX/XXXX. 

I successfully applied for a XXXX American Express Credit Card in XX/XX/XXXX with the annual fee waivered under the Military Lending Act and/or the Servicemembers Civil Relief Act. 

In XX/XX/XXXX I was charged {$690.00} annual fee. I raised this for formal review as I remained, without break, an XXXX XXXX member of the XXXX XXXX. 

Four times my review was rejected by American Express who have refused to acknowledge my XXXX XXXX status and refund my annual fee. I have made a complaint about this as at one stage they asked that I provide written evidence of my status. 

I provided this evidence, a signed letter from the Department of the XXXX certifying my XXXX XXXX status and American Express acknowledged receipt on XXXX XX/XX/XXXX. 

I have called the American Express customer service line and complaints line at least 7 times since XXXX to try and resolve this issue. One American Express complaints handler told me during a call in XXXX that he knew what the problem was, that it was an internal error in handling my case, and that my fee would be credited on my XXXX statement. That refund did not happen. 

I called to make a further complaint only to receive another email on XXXX XXXX that I am not eligible by American Express XXXX and must pay the fees. 

My compliant is that my XXXX XXXX status was approved for my initial credit card application in XXXX, incorrectly changed and charged in XXXX, and the evidence I have submitted and acknowledged by American Express, ignored. 

I am owed {$690.00} by American Express who are willfully failing to provide the reason for rejecting my Active-Duty Status and applying the benefits of the MLA and SCRA despite providing them the evidence requested and continued engagement with them since XX/XX/XXXX. 

Their veneer of politeness masks a complete rejection of my XXXX  service, their failure to apply my associated legal protections, and above all, completely exposes a hollowness to their appreciation of military service.
Consumer complaint received 2024-10-23
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (TN)

Called Synchrony Bank for payoff on my Lowes account and paid it then and there in full. But keep getting billed. Posted in my bank account XX/XX/year> for {$1600.00}. Now Im hounded relentlessly for {$28.00} that keeps going up. I just paid it but will probably get more bills for interest on interest. I asked for the payoff balance there should have not been any interest charged after that since the balance was XXXX. I will never do business with them again! Thieves!
Consumer complaint received 2020-01-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC (TN)

On XX/XX/2020, I received a letter at my home address indicating that a debt I was alleged to owe to XXXX had been placed into collections. 

The letter is from : Sequium Asset Solutions , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX XXXX The letter came as a complete surprise as I have had no contact of any type from XXXX or any of its representatives suggesting that some type of financial obligation exists between myself and XXXX. 
I have lived at my current address for three ( 3 ) years and had both my cell and landline numbers for the same period of time. My current email address is approximately 15 years old. 

I immediately called SEQUIUM at the number on their letter. They refused to provide any information about the alleged debt, instead demanding to know whether I had ever had an account with XXXX. 

At my request, the call was escalated to XXXX XXXX, ( XXXX ) XXXX. After a brief discussion, Ms. XXXX acknowledged that SEQUIUM is not in possession of any document that would show that I ever had any type of account or other contract with XXXX.
Consumer complaint received 2019-03-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC. (AZ)

This company was extremely rude during my communications with them. I'm sure they will say their notes don't reflect this as this is what I was told while attempting to pay this debt and getting the run around while trying to do so. I do not ever have to deal with this type of company as I pay my debts on time. This one, in particular, slipped through the cracks during a divorce if memory serves me and being treated the way this company treated me is uncalled for and extremely unprofessional.
Consumer complaint received 2024-10-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (ME)

I requested an application for XXXX XXXX XXXX XXXX XXXX XXXX because my school admitted misconduct and misrepresentations in how it marketed to students. My school is also one of the schools on the XXXXXXXX XXXX XXXXXXXX lawsuit. I asked for the application, and XXXX  refused to provide it stating that they could not because they are not the original servicer. The original servicer was XXXX, but they were assumed by XXXX. So, XXXX assumed this obligation and now refuses to cooperate.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Global Lending Services LLC (LA)

In accordance with the fair credit reporting act Global lending account XXXX beginning in XXXX has violated my rights. 

15 usc 1681 section 602 states I the right to privacy.

15 USC 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written consent.

15 USC 1666b : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-01-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST HORIZON BANK (MS)

I opened and account with XXXX XXXX XXXX/ First Horizon Bank on XX/XX/2019. The promotional bonus on the advertising card stated that a {$400.00} bonus would be deposited into my checking account within six weeks after the account had been opened for 90 days. I have attached a picture of the advertising card as well as my communications with a representative from the bank. The representative acknowledged that I was due the {$400.00} bonus, but that I should wait until the end of this week to see if it is deposited. It has not been deposited, and we are going on eight weeks after the 90 day opening period.
Consumer complaint received 2020-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MS)

I have gone back and forth with Equifax so much over the last few years that it is absolutely ridiculous. They are reporting incorrect data on my credit report and refuse to remove it. I have gone back and for with the companies that supposedly have report these fraudulent accounts to Equifax and even after the companies themselves have written to Equifax to have the negative items removed, they still refuse to do so. Most recently, i filed a dispute with Equifax in XX/XX/2019. I guess they received it today because now i can not view my report or score on myequifax.com or my other credit monitoring site ( XXXX  XXXX ). When i log into my account, i get a message telling me to call customer service. After 3 failed calls and being on hold for hours, i finally get a rep who hangs up the phone in my face after verifying my identity. This can not be legal.
Consumer complaint received 2024-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (GA)

date : XX/XX/XXXX a deposit in the amount of {$5900.00} into my cash app however I had no XXXX  information until XX/XX/XXXX of this deposit from the IRS, which at that time my cash app account was closed. Please help me locate my funds
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (GA)

I am writing to dispute inaccurate information in my consumer report and request the removal of outdated information maintained by LexisNexis. I recently conducted a review of my credit information as a precautionary measure following notification of a data breach that XXXX have affected my personal information.
Consumer complaint received 2020-01-25
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. (NJ)

I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA & # 39 ; s. On XX/XX/2019, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-01-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (TX)

I sent my husband to the store to buy a prepaid Visa gift card so I could purchase prescription glasses online because my current pair were crushed. Instead of picking up a VisaVanilla gift card, the one I usually use for online purchases, he picked up a MyVanilla card. It's personalized, which I don't want. It's reloadable, which I don't want. Instead of a one-time purchase fee, it has a one-time purchase fee, a transaction fee, a balance inquiry fee, a withdraw fee, a statement fee, a inactivity fee, a replacement card fee, a transaction declined fee, and a balance liquidation fee. This is not at all the card I wanted. I needed a one-time use, then throw away card. There is only {$50.00} on the card and that entire amount is going to the company I am buying my glasses from. Not only do I have to wait for customer service to respond to my complaint, though it is my husband 's mistake, I have to pray that I can transfer the balance onto a VisaVanilla card, then wait several days to get it in the mail, unless they have a virtual card that I could transfer the balance to. Then I still have to place the order for my glasses and wait a couple of days to receive in the mail. The entire time having horrible eye sight that prevents me from driving, so I am out of pocket and out of work for at least a week. I am very limited on funds and put what I had on this card. I have no options. Any time or help put towards this matter is extremely appreciated. Thank you in advance. Have a blessed weekend.
Consumer complaint received 2024-10-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Glasser and Glasser, PLC (NC)

Please see attached of debt validation letter and cease and desist. I also am requesting to receive a license as per 15 U.S. Code 1692e ( 3 ) it appears the request is coming from a law firm as per the company 's website. 
I also mailed the following attachment.
Consumer complaint received 2019-03-18
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. (NC)

On XX/XX/XXXX, I sent a request to XXXX, XXXX, and Trans Union to investigate an error that appeared on my credit report. They were supposed to respond within 30 days, but I have not yet received a response.
Consumer complaint received 2020-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MD)

Today XX/XX/2020 I was on the phone thats a proximately XXXX with a representative from EXPERION. who I was explaining that there is something wrong with my negative score factor. My explanation of the problem is that The reason for the score factor being negative changes after every new reason is proven to now be true. EXPERION use scam to keep my score stagnant. And use this as justification for my mysteries point deductions, but every attempt to get it removed the reason behind the negative factor get change the young lady told me that if Experion remove that false negative factor I will have a better score like XXXX and That Experion does not allow that I have the pictures to prove that in attachment. Its illegal so do that. I would like for the attorney general and Supreme Court to see this new evidence of companies breaking the law.
Consumer complaint received 2024-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

XX/XX/year> I received this letter from Citibank. 

" A payment was returned unpaid Please make a replacement payment right away XXXX, XXXX XXXX recent payment of {$73.00} on yourCostco Anywhere Visaaccount was returned unpaid by XXXX XXXXXXXX XXXX XXXX 
Please contact XXXX XXXX XXXX XXXX  directly for any further questions or clarifications about this returned payment. '' The posted fee for returned check is {$41.00}. 
A month earlier I received the same one for amount of XXXX plus {$30.00} for returned check. When loading autopay, I entered my account information : routing and checking. All my payments are going through fine, but there are problems with Citibank and I want them to be resolved, since transactions go from you to this bank. Yesterday I spent four hours figuring out the reason, but I still couldnt figure it out! Citibank requests payment and it does not appear in my account! Their request comes from some account numbers that are unknown to me and XXXX XXXX XXXX. I did not change ANYTHING in the settings and, as I indicated earlier, all other payments go through perfectly. 
I am unable to pay for computer problems between XXXX XXXX  and Citibank and would like you to look into my problem. And since this is a bank-to-bank relationship and not my fault, Regards, XXXX XXXX,
Consumer complaint received 2024-10-24
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (TX)

I had an American Express XXXX gift card, someone used the card without my authorization, I called AMEX as soon as I found out and filed a claim. Its a fraudulent transaction, but they still didnt refund.
Consumer complaint received 2024-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have a capital one savor XXXX credit card XX/XX/year> I referred my friend name XXXX XXXX to open this card for {$150.00} bonus, she got approved the card sameday but i didn't receive the {$150.00} bonus
Consumer complaint received 2020-01-24
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)

I tried to refinance my car today XX/XX/2020and when they ran my credit, they told me that I did not qualify because of my poor credit. My loan officer went over the accounts that were reporting negatively on my credit and none of those accounts belong to me ; I did not open any of those accounts nor did I allow anyone to open these accounts on my behalf. I still don't know who opened these accounts but I already filed a police report. I did not gain anything from these accounts such as money, goods, services or any other benefit. I did not make any payments towards any of these accounts nor did I make any purchases. I do not have any relationships or contracts with any of those companies.
Consumer complaint received 2020-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: FIRST NATIONAL BANK OF OMAHA (MN)

I have a credit card at first bank card.com/tcf bank. I paid my balance in full by the due date. They still charged me a interest charge of XXXX .I called customer service XXXX XX/XX/2020 and XX/XX/2020 to try and get this charge reversed. They refused to do this. They also said that Ill have another interest charge next month even if I pay the full amount. I feel that this is unfair and that their statement is false and misleading. All of the credit cards that I previously had didnt charge you interest if you paid in full every month. Any help, you give would be greatly appreciated. Thank you,
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA (MD)

The company sent an approved forbearance notice for XXXX XXXX XXXX. However, the company reported the account as late for XX/XX/year> and XX/XX/year>. I have been denied access to other opportunities because of the recent dates of reported late payments by this company.
Consumer complaint received 2024-10-21
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: E Mortgage (PA)

Someone tried to get a mortgage in my name and its on my credit report as a hard inquiry the dates are XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX and they said I had to wait 2 or 3 years before it comes off but why it not me. XXXX and E mortgage. They are the names of the mortgage companies
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc. (LA)

I did not authorize the following inquiries on my consumer report 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 2020-01-24
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: Experian Information Solutions Inc. (AZ)

Experian is ahowing 20 hard copy inquiries over 2 years. They are not counting same or like inquiries within the allowable time frame which is only supposed to count as one inquiry. I have 6 just for my auto loan. Also, after one year they are not supposed to impact my credit score but it is. I am being refused a mortgage due to this and the number of inquiries separately counted
Consumer complaint received 2020-01-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

XXXX sold my mortgage loan to ShellPoint Mortgage Servicing, which I assume it was sold based on lies. They gave SMS the illusion that they could collect a due debt that did not exist. It has been a nightmare for me and my family since XX/XX/2015 when the XXXX had me sign a deceitful loan modification. I have never stopped paying my mortgage loan, but SMS keeps claiming that I have a debt for more than {$6000.00}. I am willing to pay this sum as long as they show me what month I owe them. I have shown XX/XX/XXXX and SMS all of the payments of each month since XX/XX/2015, proving that I have not missed any monthly payments.
Consumer complaint received 2024-10-21
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BlueChip Financial (CA)

Spot loan is charging me 490 % interest rate please refer to my previous complaint XXXX, This is against the law in California I dont know why you close this this has not been solved.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (AL)

I am writing to formally dispute the bankruptcy being reported on my credit report. The credit report states that this bankruptcy is furnished by the U.S. Bankruptcy Court of Alabama, but after contacting the court, they confirmed that they do not furnish or report any information to credit bureaus. Therefore, the bankruptcy information currently being reported by your agency is unverifiable, false, and misleading. Now that i have debunked that lie, they decided to change their furnisher to lexis nexis. Lexis Nexis has stated that they receive their information from the bankruptcy court as well however, THAT IS A LIE. The letter from the courts state they DO NOT FURNISH NOR REPORT ANY INFROMATION TO ANYONE. I also have where LEXIS NEXIS does not even have a bankruptcy listed for me, so when did it get added??? 
This bankruptcy has been incorrectly listed on my credit report for several years, despite my consistent disputes claiming that it is not mine. I am requesting immediate removal of this inaccurate information from my credit report, as it is causing unnecessary harm to my credit profile. Please investigate this matter AND STOP USING OCR ( IF I AM TELLING YOU ITS WRONG PLEASE COMPLETE A HAND INVESTIGATION OR JUST REMOVE IT ) and provide me with confirmation that the false information has been removed. I appreciate your prompt attention to correcting this error.