davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-24
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: AMERICAN EXPRESS COMPANY (NV)

On XXXX  XXXX, I contacted the American Express ( Amex ) Customer service at XXXX CST regarding the product. During this 50 min 8 sec call, a customer representative confirmed that I will be receiving a welcome bonus of 150,000 Hilton Honors Bonus Points ( Reward points ) after appy this credit card product ( Hilton Honor American Express Surpass Credit Card  ) and spend {$3000.00} in purchases on the Card within first 6 months of Card Membership. 

While confirming with her ( Amex Customer Service ) about any restriction from receiving the welcome bonus, she confirmed 'as long as you never applied or received a welcome bonus from this product ( Hilton Honor American Express Surpass Credit Card ), then you will be eligble for the welcome bonus ( of XXXX Hilton Honors Bonus Points ( Reward points ) ) '. I again confirm with her regarding any restriction from receiving the bonus, there is no mention of term 'Based on your history with credit Card balance transfers, American Express welcome offers, introductory APR offers, or the number of Cards you have opened and closed, you are not eligible to receive the welcome offer. ' from this Amex Customer service.

Since the call was recorded and the details of offer were mutually confirmed ( that I will be receiving the welcome bonus after the qulified spending of {$3000.00} ), I agree this agent ( Amex Customer service ) to proceed the application of Hilton Honor American Express Surpass Credit Card. 

On XXXX XXXX, I received an update by Hilton Honor ( XXXX ) regarding the new card benefits. 

On XXXX XXXX, after receiving the product. I contacted the Amex customer service at XXXX CST regarding the card details and benefits. Amex customer supervisor- XXXX was confirmed 'As per the bonus offer terms, your welcome bonus offer was declined. ' A misrepresentation of a credit card product provided by an American Express agent could be against the law in the state of Nevada. Specifically, it could be considered a violation of Nevada 's deceptive trade practices laws ( NRS Chatper 597 ), which prohibit businesses from engaging in false or misleading advertising, marketing, or sales practices. Under Nevada law, a business can be held liable for making false or misleading statements about its products or services, regardless of whether the statements were made intentionally or negligently.
Consumer complaint received 2022-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

I have 2 accounts on my report by XXXX XXXX  showing closed one since XXXX an the other XXXX however the Bureaus are still reporting them as delinquent and past due. Please have these accounts deleted and updated asap.
Consumer complaint received 2023-02-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (AZ)

Truist has placed forced placed coverage on my condo for an unreasonable amount of {>= $1,000,000} on coverage that is only {$90000.00}. They are now aware of their mistake but we had several times stated that the amount they were trying to charge was not bonafide reasonable charge but they kept ignoring our request for examinations. We are willing to pay for the amount of coverage that is reasonable. They are trying to charge {$11000.00} for {$90000.00} worth of coverage for a six month period. Please help them per Federal Code title 12 help them follow their part of the law.
Consumer complaint received 2023-02-24
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: GOLDMAN SACHS BANK USA (CT)

I attempted to open a loan acount with Marcus Golman Sachs and was denied due to an active savings account that I have no knowledge of. I contacted the bank by hone who confirmed that there was an account and provided me with necessary steps to close the account.
Consumer complaint received 2022-06-02
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. (CA)

I have been a victim of identity theft. I wanted to apply for a mortgage when I realized that I had an account with XXXX  XXXX that was unauthorized by me. My personal info has been compromised in a the XXXX Data breach and my information has ended up on the dark web. This account does not belong to me and I did not open it
Consumer complaint received 2023-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (OH)

on XXXX i requested a payoff from chase on my credit card as their interest was getting out of hand. i was giving a payout balance of {$26000.00} which i immediately payed off this by transferring this amount to other card with o % interest. i received a statement showing my balance was {$0.00} dollars no interest charged. on XXXX i received a new statement showing that i owed XXXX interest. when i called them for an explanation they said this was interest of a rolling balance even though i told them i had got a payoff number on XXXX i asked them to resend this interest but they refused at several levels. i think this is predatory and taking advantage of a consumer. it is for these reasons that i am asking your agency to intervene on my behalf. thank you.
Consumer complaint received 2020-06-23
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ERC (CT)

I had a debt collector contact me that wouldn't Identify herself that was trying to verify old addresses for over 7 years back. I had to argue with her for her to identify that she was trying to collect a debt from sprint. The debt is more than 5 years old but it brought my score recently down 75 points as if it was brand new. Is That legal?
Consumer complaint received 2020-05-29
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. (TX)

The below listed INQUIRIES by the Original Creditors, who have reported these inquiries within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 
Therefore, these below disputed inquiries must be deleted .... 
XXXX XXXX Miscellaneous and public record Inquiry date : XXXX XXXX, XXXX XXXX XXXX Miscellaneous and public record Inquiry date : XXXX XXXX, XXXX XXXX XXXX Miscellaneous and public record Inquiry date : XXXX XXXX, XXXX XXXX  XXXX Miscellaneous and public record Inquiry date : XX/XX/XXXX XXXX  XXXX Miscellaneous and public Inquiry date : XX/XX/XXXX Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 
XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX  XXXX {$1300.00} Balance updated XX/XX/XXXX Balance updated XX/XX/XXXX Likewise, these Public Record are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 
XXXX XXXX XX/XX/XXXX XXXX Account Info Reference Number XXXX Court Bankruptcy chapterXX/XX/XXXX-discharged Original filing date : XX/XX/XXXX Latest status date : XX/XX/XXXX XXXX
Consumer complaint received 2020-05-27
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: EQUIFAX, INC. (TN)

I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2023-02-28
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: BMW Financial Services NA, LLC (CA)

This is a dispute of the consumer against BMW Finance Services NA LLC, XXXX XXXX XXXX XXXX, XXXX XXXX BMW, XXXX XXXX BMW and XXXX XXXX XXXX XXXX as well as all named parties including XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX I am writing this complaint in good faith. I discovered billing error ( 15 U.S.C. 1666 ). I realized that I was not in honor while using debt to pay a debt. I am to use my extension of credits. I know that the has a dividend check attached. Some disclosures were kept from me. I realized that credit was extended to me and taken or held in an unfair, fraudulent and deceptive way. I realized the whole lease contract is in question and that securities fraud appear to exist in this relationship between myself and XXXX. I may choose to bring suit against XXXX and the responsible parties who signed the security exchange commission forms ( XXXX, XXXX, etc. ). I also found several violations of securities act of 1933 as well as the securities exchange act of 1934. I would most likely have to request an audit via IRS. I found violations of not only securities violations, but also identity theft, mail fraud, language fraud as well as numerous federal and state violations against myself. I know according to law i have the right to rescind on a fraud contract. Law states no adverse actions can be used in retaliation of a billing error complaint. 

The law states that there is no limit on contract fraud. I know according to law that I may file a complaint with the CFPB, Attorney General, Comptroller and the FTC to retrieve remedy. 

Based on the amount of fraud found in what appears to be a one party contract agreement with no equal exchange.I no longer give BMW Financial the rights to keep the proceeds and want all my securities. I feel i was discriminated against under the Equal Credit Opportunity Act and Consumer Credit Protection Act as well as deceived by the use of unfair and abusive practices. 

I would like documental evidence of who the co-signer signed for if not for spouse. 

I would like to see original copy of application, promissory notes, any and all documents with and without my signature pertaining to our relationship stating with credit application and not limited to transfer agreements of securities, notes, etc. ) I would like proof of origin of funds and credits. 

I would like to receive and keep the title, mco and you may not have security interests as I have already given you a security. 

I would like a true bill because I realized that I have only received statements of interests and credits due to me. I would like all credit, a return of all previous payments, proceeds, down payments, full value of property and finance charges electronically transferred to my bank account or via check.
Consumer complaint received 2020-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I called XXXX XXXX XXXX  to change internet location because I am buying a new house. I made sure to ask and make sure they were not doing any credit pulls, they said they wouldn't. They lied and did one anyways. Now I have a hard inquiry for changing my service address with them, and Its ruining y ability to close on my new house tomorrow.
Consumer complaint received 2020-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I hired a credit repair company XXXX XXXX XXXX XXXX to help remove negative things from my credit report. Account with XXXX XXXX XXXX XXXX opened in XX/XX/2012 in amount XXXX shown as charge off should no longer appear on credit reports as it is past the statute of limitations. It still appears on Transunion, XXXX XXXX XXXX even after attempts of removal with credit repair company on my behalf.
Consumer complaint received 2023-02-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Security Credit Services, LLC (FL)

After reviewing my credit profile on XX/XX/2023 I identified a discrepancy with account listed under XXXX XXXX and validation was requested as this was an account that I did not recognize I reviewed my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was send out on this day. After reviewing credit report again on XX/XX/2023 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all the information is correct.
Consumer complaint received 2020-05-29
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: Bread Financial Holdings, Inc. (NY)

I was unaware of an account opened in my name. Im a victim of the equifax breach as well as identity theft. Ive disputed it with all 3 credit reporting agencies and its coming back as a charge off? The only way to contact this debt collector is a XXXX XXXX. Recently I found out it was a XXXX XXXX card that was opened in XXXX of 2018. I asked for proof of the account and how it was opened in my name and didnt receive anything on that other than this company verified it was me that opened it some how. I dont know where it came from and I dont have an explanation of that either. I never received mail, a phone call, or anything from this company how was I supposed to know about this? I noticed it XXXX of this year on my credit reports and now it looks like it reported 4 charge offs on this amount of less than {$500.00}. Ive asked for proof of everything and nothing is getting done, its making it worse.
Consumer complaint received 2020-05-27
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. (IN)

I have disputed a bankruptcy thats reporting on my Experian credit report multiple times. Experian has verbally told me and written on my credit report that XXXX verified that the bankruptcy belongs to me. I disputed the inaccurate information with XXXX and it was removed. I sent the letter from XXXX to Experian stating that it was removed but Experian continues to report the bankruptcy and states that it is being verified by XXXX. How are XXXX verifying the bankruptcy account thats not on my XXXX credit file? I recently sent a certified method of verification letter along with a few pages of my XXXX file that shows that there isnt a bankruptcy reporting. The tracking information states the method of verification letter was received by Experian on XX/XX/2020 and it is now XX/XX/2020 and my dispute has not been opened. I am fed up with the unprofessional and uncaring handling of this matter. This is my final attempt to get a accurate solution before I file legal charges against Experian. I am attaching proof of everything that Ive stated and everything that Ive sent to Experian prior.
Consumer complaint received 2020-05-21
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. (FL)

See attatched Equifax Report of XX/XX/XXXX ERRORS INVESTIGATED HAVE NOT BEEN FIXED. see attatched XXXX Letter of XX/XX/XXXX CONFIRMING XXXX mastercard credit card ending XXXX was settled XX/XX/XXXX AS DELIQUENT ACCOUNT. See attatched XXXX mastercard STATEMENT of XX/XX/XXXX ending XXXX OOOPPS HOW DID THIS POP OPEN AT THE SAME TIME XXXX SETTLED AND DELIQUENT ACCOUNT. XXXX WOULD NOT OPEN AN ACCOUNT WHEN DELIQUENT?? WOULD THEY?? I DID NOT OPEN THIS ACCOUNT. See attatched XXXX CREDIT CARD FRAUD CLAIM VISA card ending XXXX date XX/XX/XXXX UNAUTHORIZED TRANSACTIONS {$470.00}. I DID NOT OPEN THIS ACCOUNT EITHER. XXXX DID WHEN MCs became VISA XXXX. I WAS UNAWARE UNTIL FRAUD NEVER RESOLVED ON ACCOUNTS I DID NOT OPEN BEGINNING XX/XX/XXXX. XXXX HAS NOT YET CREDITED THIS FRAUD OF TWO 1/2 YEARS. I DEMAND MY DRS LICENSE TO OPEN & ORIGINAL SIGNATURE OF WHO OPENED THE ACCOUNTS AFTER CARD XXXX Settled XX/XX/XXXX BE VERIFIED OR ACCOUNTS DELETED.
Consumer complaint received 2020-05-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Braviant Holdings, LLC (CA)

There are two companies involved here. One is SunUp Financial d.b.a. Balance Credit ; the other is XXXX XXXX XXXX. In XXXX of XXXX  I took out a loan with SunUp/Balance Credit. It was predatory -- 227 % -- but I knew I would be paying it as soon as the funds from the sale of my house arrived. In XXXX I mailed a check to pay off the loan, but when someone from SunUp/Balance Credit told me of the hundreds of dollars of interest that would accrue while they verified the check, I canceled the check and sent a cashier 's check instead. 

When they received the cashier 's check, SunUp/Balance Credit sent me an email saying that my loan was paid off. The email said that I could get a paid off letter from their Website by logging in to my account, so I logged in and retrieved the doc. ( It is a copy of the original loan doc with the words PAID IN FULL superimposed across each page. ) Then two-and-a-half years later I was contacted by the collection agency XXXX XXXX XXXX saying to send {$5000.00} for this loan. Despite sending them my evidence and explaining to them that the loan is paid off, they continue to keep this on my credit report and continue to send me letters asking for payment. 

My son has two XXXX  XXXX. If he were to catch the coronavirus, it would most likely be fatal. So when my employer reopens their doors, I will not be able to go back. For that reason, my wife and I plan on selling in Southern California and moving to Texas where things are more affordable. The problem is that my credit rating makes it difficult for me to qualify for a loan and Im not able to do anything to raise that rating due to XXXX XXXX XXXX reporting that I owe for a paid-off loan. 

My two-and-a-half pieces of evidence : 1. The email from SunUp/Balance Credit saying my loan is paid off. 
2. The Paid in Full doc from Sun/Up Balance Credit.

3. I did not save the copy of the cashiers check ( I figured numbers 1 and 2 would be enough ). But I do have a bank statement showing a cash withdrawal of {$5000.00} ( used to buy the cashiers check ) on XXXX. The paid-off email is dated XXXX. This is my half piece of evidence.
Consumer complaint received 2020-05-29
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (FL)

On XXXX XXXX at XXXX XXXX my account was debited for {$1200.00} from Ace # XXXX ( Ace Check Cashing ) Which to my understanding is in California. I live in XXXX Florida and I have never traveled to California. I have reached out to the institution to inform them of the unauthorized debit from my account and they advise my claim was denied solely on the fact that their associate verified my identity which is highly impossible I have filed an id theift report with my local police department regarding this matter. I asked the customer service team was any video footage pulled regarding the verification their only rebuttal seems to be that they believe there associate did the correct verification process.
Consumer complaint received 2020-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX ( XXXX XXXX XXXX XXXX ) opened in XX/XX/2011 should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, XXXX, and Experian, even after attempts of removal with credit repair company on my behalf.
Consumer complaint received 2020-05-29
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. (CT)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPT OF ED/XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX. 
Company Inquiries XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXXR XXXX  XXXX  XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX  XXXX  XXXX  XXXX XXXX
Consumer complaint received 2023-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (ID)

XXXX XXXX dollar check was seized because Bank said it looked fraudulent. And funds were pulled from my account in the amoubt of that check. Wells Fargo literally took XXXX dollars from me over that. I've had multiple overdraft fees when I have overdraft protection. I've been charged for purchases they said was overdrafted because funds were in the account when they were. Monthly charges and overdraft fees, money literally being stolen out of my account. Constantly having to change cards because wells Fargo thinks fraudulent actions were taken. XXXX, the bank themselves. All this took place in between XXXX and XXXX. Wells Fargo banking being the crooks