davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: ALLY FINANCIAL INC. (WA)

I was a victim of a data breach through my financial institution. To protect my identity they compromised, they offered me an identify monitoring solution. That service they offered I was unable to activate. The website provided did not work. I tried to contact my financial institution to receive the services they offered in respect to compromising information they leaked. My financial institution refused to assist me access the services they offered. They refused to contact me despite exposing my information. The bank felt prior communication was enough despite me having questions. They closed my account.
Consumer complaint received 2020-10-07
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 — Was not notified of investigation status or results
Company: T.S. Holdings (IL)

This company is reporting inaccurate information on my credit report, and refuses to launch an investigation into the account thats being reported to Credit Bureaus under my Social Security number. On XX/XX/2020, I mailed a dispute letter via United States Postal Service Certified Mail, to I.Q. Data International Inc. to the address XXXX   XXXX XXXX XXXX, WA XXXX, which is listed as their contact information. This dispute letter was delivered and retrieved from I.Q. Data International Inc., on XX/XX/2020, it requires a signature from the recipient for its release via United States Postal Service. I.Q. Data International Inc. hasnt responded to the dispute and failed to launch an investigation into this account within 30 days which is required by the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). This company also failed to mark my account as disputed within 30 days which violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act, Section 807 ( 8 ) by not placing the disclosure within the 30-day required. I have attached a screenshot of the tracking information stating this letter was received on XX/XX/2020. It is XX/XX/2020 and I still havent received anything from this company pertaining to an investigation of this account on my credit file. I am requesting that this inaccurate information be deleted from my credit file immediately with XXXX, XXXX, XXXX  and any other credit bureaus. I.Q. Data International Inc. has violated federal laws and continue to report negative information on my file, without launching an investigation that is required by law. I believe theyre in violation of the Fair Credit Reporting Act and The Fair Debt Collection Practices Act.
Consumer complaint received 2020-10-07
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Comerica (IA)

social security XXXX benefits deposit to my direct express mastercard once a month. XXXX 's deposit was on my card but it was locked because they suspected possible fraud suspicious acts. I didn't have a clue till i went to atm to get money to pay bills and card declined so came home looked up my account my check was deposited but my account froze. I called customer service and put on hold indefinitely meaning never got to talk to anyone for the last 4 days. I have called the bank which said call customer service i have called social security which said call customer service ive called lost or stolen card number which said call customer service. NOBODY WILL TALK TO ME!! I need my card unlocked to pay bills. They should let me deside if my card is being frauded then i will report it to them. They have no reason to assume it is and lock me out just because something looked suspicious in there eyes.They are invading my privacy by knowing when and where my card is being used that's none of their business till there is reason to. I need my goverment check to pay bills now.
Consumer complaint received 2020-10-07
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. (TX)

I am a victim of identity thieft. I'm trying to fix the inaccurate, incorrect and misused information on my profile multiple times. The credit company is refusing to fix and correct issue and claim it's verified.
Consumer complaint received 2020-10-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Back in XXXX of XX/XX/XXXXI submitted some dispute letter pertaining to XXXX account # XXXX, XXXX XXXX, and XXXX XXXX account, # XXXX. 

I have yet to receive anything in the mail, or any kind of response pertaining to this issue. It is quite customary for the Bureau not to respond, or simply delay the process by sending out notices telling me that, they suspect, that my dispute letter was sent by someone else, but me. This in my opinion is quite insulting, and frankly, quite distasteful. What gives them the right to judge my writing skills, or my research skills, is it my gender, or race? Am I not educated enough to writte a proper letter? 

I have put countless of hours in research and development to not have them, properly investigate my dispute request. It is known that, failure to respond could result in a law suit against them, according to section 616 of the FCRA. 
These account seem to be incorrect, and all I am asking is to have them investigated, and have them respond back to me with updated credit reports, free of charge pursuant to the FCRA.
Consumer complaint received 2019-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I have a >XXXX  FICO score, no derogatory marks, and applied for a Capital One Savor Credit Card on XX/XX/19. I was rejected. I later received a letter stating it was because I applied to too many credit cards. 

I received a mailing on XX/XX/19 with a special pre-approved offer for a Capital One Venture card. Since I had just been denied the Savor, I called Capital One on XX/XX/19 to verify that this was in fact a pre-approval offer, as nothing had changed in my credit history in last few months, so there is no reason a pre-approval should be denied. The customer service representative took my Reservation # and Access Code for the offer, and verified that it was in fact a pre-approval offer. I said thank you, and that I would apply online. 

I then applied online and was rejected. I can say with confidence, as I monitor my credit every 7 days, that nothing in my credit report has changed, and I haven't applied to any new credit cards in the last several months -- the window in which this pre-approval would have been generated. I spoke with a manager in their customer service department, who said this preapproval would have been generated by a screen sent within the last 2 months. He said there was no way to reconsider my application, or reverse the hard credit check. 

I feel that I was baited into having an unnecessary credit pull on all 3 major credit monitoring agencies, thereby negatively affecting my credit. This is irresponsible and predatory behavior. It would be one thing if my credit situation had changed. The fact that it had not, and my credit remained top tier at the time of application, is evidence that their " pre-approval '' claim is deceitful and fraudulent. The application terms also say nothing about having applied to too many credit cards being disqualifying.
Consumer complaint received 2019-02-25
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (CA)

On XX/XX/19, I ordered approx. {$2500.00} of furniture from a XXXX XXXX Store in XXXX XXXX. The salesman told me I could save an additional 10 % if I opened a XXXX  XXXX credit card, so I did. The card is administered through XXXX XXXX Since then, five weeks have passed and I have received {$120.00} in " rewards. '' I believe {$50.00} of that is a signing bonus. The problem I'm having is with following-up on the remaining {$120.00} in rewards I was promised. Upon logging in to my account on the XXXX XXXX website, there is a reference to " awards '' but the amounts don't match what I received. On tab identifies " bonus rewards '' and a separate tab is for " design rewards. '' In addition, the store has a program called " XXXX XXXX. '' Upon requesting clarification by phone, the XXXX XXXX rep was unable to explain, saying, " we don't have details about all the promotions offered in stores. '' She referred me to XXXX XXXX 's customer service department, which also was not able to provide a full summary of rewards issued and pending. The rep said I could send an email to someone in XXXX XXXX ( no phone #. ) After I explained that an email wasn't going to be sufficient, the XXXX XXXX rep went to the extra effort of getting a XXXX XXXX representative on the line, and it got sorted out. 

My complaint is that there is not a consistent channel for information about rewards based on purchases made using a XXXX XXXX credit card. Some rewards are available only for credit card holders, while others are generated through promotions available to any shopper. Recipients get cards in the mail saying " your bonus reward dollars have arrived '' and it is not clear what the amount is based upon. None of the awards appear as cash-back on the credit card, which is what I expected. The 10 % is not a rebate, it's a coupon for future purchases. No one at XXXX XXXXk, XXXX XXXX or XXXX XXXX can provide a complete picture. The impression left behind is that XXXX XXXX cardholders are getting the runaround with confusing promises and messages about rewards.
Consumer complaint received 2019-02-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/2018 an inquiry was pulled on my TranUnion Credit Report, by XXXX XXXX XXXX and it was flagged as fraudulent and a letter was sent to me concerning the application. 

I spoke with XXXX and was informed that all of the credit reporting bureaus would be notified to remove the inquiry and a letter of confirmation was sent to me. 

I have spoken to Trans Union on many occasions, to inquire as to why the inquiry hasnt been removed and was informed each time that they were not notified by XXXX about the removal request by XXXX and they can not find it in their records. 

So, I sent TransUnion a copy of the letter sent to me from XXXX, stating it should be removed. 

Upon, giving TransUnion ample time to correct the error, I called TransUnion again, about the incorrect inquiry and was informed that although XXXX dated the letter but did not include in the body of the letter, the date of the inquiry, TransUnion refuses to remove the inquiry and has requested me to have XXXX rewrite the letter to include the dated the inquiry was made. 

I have requested XXXX to rewrite the letter to no avail. 

This is a violation of FDCA, TransUnion knows to the date of the inquiry on their records and can clearly see the information matches in Chases letter. 

I should not have to jump through hoops to get TransUnion to to do their job and TransUnion should keep better records of information provided to them multiple times by XXXX. 

I have had other issues with TransUnion using the excuse they cant find various information in their records for accounts although they have sent me copies of the information on their letterhead. 

TransUnion refused to reinvestigate.
Consumer complaint received 2020-10-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIBANK, N.A. (TX)

I ordered checks for my checking account from Citibank. Although this was the second order and when I ordered the checks - it stated on the website there was NO CHARGE. I have enclosed my receipt. Instead, Citibank charged my checking account nearly {$21.00}, then more money in overdraft fees. I have attached the proof that the checks were to be free. This bank, like many " big box '' banks lies to its customers and then fraudulently offers them services.
Consumer complaint received 2020-10-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2020 I sent a letter regarding inaccurate and misleading items on my credit report. It has been greatly over 45 days I have not received a response yet. I feel like I'm being taken advantage of and my letter disputes are being ignored, and my disputes are being thrown on the back burner. Section 611 ( a )  states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 45 days, so they should be deleted immediately. I am very disappoint, frustrated, and stressed because of this problem. I demand that these items are deleted and updated or I will file for litigation due to the stress this has caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-08-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc. (CA)

I was a victim of identity theft earlier this year and already disputed some charges with XXXX due to new open accounts under my name. I thought everything was cleared up but I checked today and I have this new account pending saying im under collections since XXXX but I never signed up for anything. The company is registered in XXXX  and I live in XXXX so it does not make sense.
Consumer complaint received 2020-10-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Express Recovery Services, Inc. (UT)

XXXX XXXX law office REFUSES to accept any payment unless I provide them with far too much information. All they should need to accept payment is confirmation of who I am and a valid debit card number. They refuse to allow me to pay unless I provide them with all of my information. Including my place of employment. The moment they receive my information they will start garnishing my wages, rather than allowing me to make a payment plan. The lady on the phone was extremely rude and hung up on me.
Consumer complaint received 2020-10-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (IL)

Back in XXXX I contacted Dovenmuehle Mortgage to inquire about their forbearance options. after consideration, i declined however they placed my loan into forbearance based on my inquiry alone and ceased accepting automatic payments without my knowledge or consent. 

Thereafter my loan was reported as delinquent to the credit bureaus witch has resulted in lowering of my credit score significantly. 

When i contacted them in XXXX, i was told there was a system issue and they will not charge me any late fess, however they " accidentally '' reported me to the credit bureaus as late. They were going to fix it right away, however i did not see a change in the credit score for over 3 months. I called again in XXXX to inquire about them fixing my credit score only to find out that they placed my loan into forbearance again, stopped my automated payments and charged me a late fee, and could not explain why i was charged a late fee if i was enrolled in forbearance. 

Also, when i asked about the fixing of the reported information to credit bureaus, i was told they are short people and do not have an estimated time when it will be fixed. 
We are in the process of selling the house and are unable to purchase another one due to the low credit score.
Consumer complaint received 2020-10-07
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. (NY)

On XX/XX/XXXX TransUnion received my dispute letter for the accounts XXXX XXXX XXXX  and XXXX XXXX XXXX. These accounts do not belong to me and I asked them to verify these accounts. 

The response I received ( file no. XXXX ) simply stated the accounts were verified but TransUnion did not provide any evidence that these accounts actually belong to me nor did they provide any evidence that an actual investigation took place. In turn, I sent a letter asking TransUnion to verify their methods of investigation used to verify these accounts. ( which they received on XX/XX/XXXX via certified mail. ) It is my understating, according to the Fair Credit Reporting Act, that TransUnion should have sent a response to my method of verification letter within 15 days. However, they sent me a response more than 26 days later. 

Moreover, their 2nd letter still provides absolutely no evidence that the accounts belong to me or that there was an actual investigation. Overall, TransUnions response to my dispute has been both untimely and inadequate. Due to the fact that these accounts never belonged to me and there is no evidence that they belong to me I want TransUnion to delete them from my file. 

Thank You
Consumer complaint received 2020-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (FL)

I made a timely payment to American Express on XX/XX/2020 in the amount of {$75.00} XXXX more than required ) as my usual monthly payment on their credit card. American Express took {$150.00} from my XXXX  XXXX XXXX account. The first person I spoke to at American Express said they did not take two payments. XXXX  XXXX XXXX provided me with two ACH numbers, each one for {$75.00} sent by American Express on XX/XX/2020. I called AE again to begin an investigation and provided them with the two ACH numbers used to withdraw my funds. I was told it would take 6 to 8 weeks. Then they called me back and said it would take 8 to 10 days. They have been unjustly enriched and my bank account has been reduced. At this time, I have no idea what AE intends to do to correct their error. Please provide me any assistance you are able to give.
Consumer complaint received 2020-10-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST CITIZENS BANCSHARES, INC. (TX)

In XX/XX/2020, The First Citizens Bank publicly posted the online offer for new checking and savings account bonus of {$300.00} when the requirements are met. 

The requirements include opening both checking and savings and direct deposits. 

I live in Texas, eligible for the offer and opened accounts on XX/XX/2020, also set up direct deposits from my employer payment. Up to now, I have at least 20 direct deposits, they are all qualified direct deposits. 

Up to today I am still waiting for my bonus. 

I called the bank today and was told that I need a mail-in promo code to open the accounts. The bank is scamming the terms and making false claims on the terms.
Consumer complaint received 2020-10-07
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: Block, Inc. (CO)

On XX/XX/2020 my Tax returns were deposited into my Cash App account. I was using Cash App as a baking app for direct deposit because I was having issues with my normal bank. 

Well I didnt find out untilXX/XX/2020 that it was direct deposited on that day. Well on that same day my wallet was stolen. I dont even know if my money is being Used or not? 

I contacted Cash App to try and close the account until further notice. I was told not to close the account cause I can loose the money. 

I provided the credentials SO many times they kept saying they couldnt find me. Then all of a sudden Cash App said Theyll merge my accounts. So when they asked if I had a bank card attached I said no you because Cash App is my Bank card. There were emails sent back and forth and still nothing. 


I am a single mother. I have little funds. Covid has a effected my XXXX  to attend daycare and Im with out a job. I know I have my funds and where they are at. But no one wants to help me. No one seems to even care. 

If I dont have money. Me and my XXXX  will be on the street.
Consumer complaint received 2020-10-07
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

Back in XXXX of XX/XX/2020I submitted some dispute letter pertaining to XXXX account # XXXX, XXXX XXXX, and XXXX XXXX account, # XXXX. 

I have yet to receive anything in the mail, or any kind of response pertaining to this issue. It is quite customary for the Bureau not to respond, or simply delay the process by sending out notices telling me that, they suspect, that my dispute letter was sent by someone else, but me. This in my opinion is quite insulting, and frankly, quite distasteful. What gives them the right to judge my writing skills, or my research skills, is it my gender, or race? Am I not educated enough to writte a proper letter? 

I have put countless of hours in research and development to not have them, properly investigate my dispute request. It is known that, failure to respond could result in a law suit against them, according to section 616 of the FCRA. 
These account seem to be incorrect, and all I am asking is to have them investigated, and have them respond back to me with updated credit reports, free of charge pursuant to the FCRA.