davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (KY)

On XX/XX/2023 U.S Bank decided to put a hold on my cc and requested documents to be provided to them for authentication of identification. They asked for copies of social security card, drivers license, last two years of federal tax returns, and two months of statements for personal checking accounts. This information was faxed to U.S Bank on XX/XX/2023. Spoke with them on XX/XX/2023 to verify they recieved the documents and at the at time they stated that yes and after a review of the documents they would be closing the account and it could not be reopened provided no information as to why they decided to close. I proceeded to ask to redeem the rewards from the card that was accumulated over three years. I was informed because the account was closed the rewards could not be redeemed. They gave no notice they were putting a hold on the account or closing the account which prevented me as a consumer the ability to prepare and redeem the rewards ahead of time. The amount of rewards is near XXXX that was earned by me for using the card and paying off the card every month in time. Over three years never missed a payment and never recieved any interest as the statement balance was paid off every month.
Consumer complaint received 2023-04-25
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: Fidelity National Information Services, Inc. (FNIS) (CA)

fraud report on XX/XX/2022 ... ..it is not true and is an error on XXXX XXXX  XXXX XXXX  reporting it.
Consumer complaint received 2023-04-25
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: Bread Financial Holdings, Inc. (HI)

I have signed up for the XXXX credit card a few months ago. 

One of the main reason I signed up was for the two bonus offers : 1. A {$50.00} XXXX gift card for sign up bonus 2. A {$75.00} Free game for spending over {$500.00} I received my first bonus offer, for the {$50.00} gift card but not the second one.

I have reached the {$500.00} threshold several times for the last 3 months since I received the card but they still will not give me my bonus offer I have reached out to the company several times and all I receive is a automated message telling me the qualifications of which I already know what the pre-requisites are I also tried calling and they told me to wait. Why it takes 3x months to receive a sign up bonus is beyond my understanding.

I have never had so much difficulty receiving a sign up promotion. 

I hope by reporting this issue, something shall be done. 

Thank you
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with fair Credit Reporting act XXXX XXXX XXXX account has violated my rights. 15 USC 1681 Section 602 states i have the right to privacy. 15 USC 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666b : a creditor may not treat a payment on a loan under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-07-17
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (TX)

US Bank holds the promissory note and collects mortgage payment on house that was awarded to my wife in a divorce in XXXX. My name has been removed from the deed of trust but remains on the promissory note. A quick deed and divorce decree showing legal ownership. In XXXX my exwife did a modification loan and refinanced without my consent. I dont know how I can be responsible for the new terms if legally I have nothing to do with the house. I been advised and received paperwork from US Bank to apply for a loan to buy the house to have my name removed from the promissory note. I have received paper work to resume an existing loan for a house which I all ready have a promissory note.
Consumer complaint received 2023-04-25
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (FL)

I applied payment through XXXX account online. Bank smpulled from wrong account. This had happened more than 3 times now. I need to have any returned fees back to my account. I have paid on time and thousands onthis card. Their system is automatically pulling feom bank of their choice. I've co tasted their customer service and sarcasm and ignorance is what they provided. I would like to jave payment pulled fro. My account.
Consumer complaint received 2015-08-20
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: SYNCHRONY FINANCIAL (NC)

XXXX from GE Capital with synchrony bank ( chevron/texaco ) cards called this morning. XXXXThis is 3rd time I have stated we went with freedom debt relief and the account was with them now. He always wants me to pay past due amounts. I asked him again for the third time not to call me.
Consumer complaint received 2023-04-25
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/2023, I sent a letter regarding inaccurate and unknown things on my credit report. Over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), plainly 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 now so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me.
Consumer complaint received 2023-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.
Consumer complaint received 2016-04-24
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (FL)

I was informed by the XXXX XXXX XXXX XXXX that due to Equifax report they had denied me a line of credit. I tried to obtain free report with Equifax , however was unable to because they request a U.S. social security number. XXXX. I would like to obtain the credit report that is preventing me from obtaining credit with the XXXX.
Consumer complaint received 2023-04-25
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OK)

When I reinvestigated my credit report, I realized that some of the information was erroneous. The XXXX XXXX Experian credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the following ng account : XXXX XXXX XXXX XXXX XXXXXXXX Balance {$5300.00}.
Consumer complaint received 2023-04-25
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Account info XXXX  XXXX XXXX Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Mortgage I spoke with the VP of Operations with XXXX XXXX XXXX XXXX  XXXX XXXX She informed me that the Late Payment would cease to be reported as I was in the hospital. XXXX XXXX told me payment history was updated with NO LATE PAYMENTS. 

XXXX This is not my account Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Mortgage Late Payments XXXX Creditor Information XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, SC XXXX Phone # : XXXX XXXX XXXX XXXX PL XXXX XXXX XXXX, SC XXXX Phone # : XXXX This account is not my account. 

XXXX XXXX : NOT MY ACCOUNT : XXXX XXXX {$800.00} XX/XX/XXXX XXXX Equifax XXXX Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX  Account No. 
XXXX Balance details 0 % paid off Balance {$800.00} Balance updated XXXX XXXX, XXXX Original balance {$800.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$800.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Payment summary XXXX Original Creditor XXXX XXXX IN XXXX IN. 
Responsibility Individual Individual Condition Derogatory Derogatory Original Balance {$800.00} {$800.00} Balance {$800.00} {$800.00} Date Opened XX/XX/XXXX XX/XX/XXXX Date Reported XX/XX/XXXX XX/XX/XXXX Remarks Placed for collection I contacted XXXX XXXX and they told me that this account would be deleted. It is not my account. This is for insurance on a XXXX XXXX. I have never owned a XXXX XXXX.
Consumer complaint received 2023-04-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

2 XXXX transfers were sent in the amount of {$200.00} each from my account on XX/XX/XXXX that I did NOT initiate. I called Capital One immediately when I noticed a XXXX transfer. They stated it went to a XXXX XXXX which I do not know a XXXX XXXX. During that time I was on the phone with capital one I told the lady I received a few texts about my number needing verified from some company and other fraud texts as well. Today I received notification my 2 claims was denied with this response : We finished looking into your claim and didn't find an error. 
No error? Interesting. I dont understand how theres no error when this was not completed by me. I later have learned XXXX has ZERO protection for fraud etc. So much for banks having your back with your money.
Consumer complaint received 2023-04-25
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I appreciate your quick action and effectiveness in removing some of the negative information that was previously listed on my credit report. For now, I believe there are still issues with my file that need to be fixed. I thus ask that all of the false information attached and listed in my credit file be corrected right now. 
XXXX XXXX  Account Number : XXXX, XXXX  XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX  XXXX Account Number : XXXX, XXXX  Account Number : XXXX, XXXX  Account Number : XXXX, XXXX Account Number : XXXX, XXXX  XXXX Account Number : XXXX, XXXX XXXX  Account Number : XXXX, XXXX Account Number : XXXX
Consumer complaint received 2023-04-25
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$83.00}
Consumer complaint received 2023-04-25
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: Experian Information Solutions Inc. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 


XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX Balance : {$540.00} XXXX XXXXXXXX XXXX Balance : {$330.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$850.00} XXXX, XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$850.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$390.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$540.00} XXXX, XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$850.00} XXXX XXXX XXXX Balance : {$850.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$540.00} SXXXX XXXX XXXXXXXX XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX /XXXX XXXX XXXXXXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$850.00} XXXX XXXX  XXXX Balance : {$850.00} XXXX  Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX, XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX # XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX  # XXXX Inquiry : XX/XX/XXXX XXXX XXXX  # XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX # XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX # XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2023-04-25
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

XXXX Refuses to fix my report. Whatever the case if Im on my spouse card or my my card if the credit card company reports thats not there business to pick and choose what Information goes on my report Im tired and frustrated working manual hours to get them to resolve issue they dont respond they have been sent the complaint more then three times and certified but they dont address it My acct credit card was removed off my report with out me requesting it The credit card company didnt request it, in fact they still report each month and XXXX XXXX report XXXX GOOD information I never ask for credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX be removed in fact it helps my utilization as I build my credit. 
XXXX likes people to fail so they have something to report If you are over the limit XXXX transunion drops your score XXXX pts were as experian does likem7-10 points XXXX believes they are private owners they do what they like to consumers
Consumer complaint received 2023-04-25
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-25
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

On XX/XX/XXXX, I contacted Experian about the following incorrect information on my credit report. To this date, they have not responded. 


The following account was never late : XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} ). Please correct/update this inaccurate information on my credit report. 
The following account was never late : XXXX XXXX XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$670.00} ). Please correct this inaccurate information on my credit report. 
The following account is not mine : XXXX XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$950.00} ). Please remove it from my credit report.
Consumer complaint received 2023-04-25
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: EQUIFAX, INC. (CT)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX ( Original Creditor : XXXX. XXXX XXXX ) XXXX Balance : {$940.00} ; XXXX XXXX XXXX XXXX XXXX : {$210.00} ; XXXX XXXX XXXX XXXX XXXX : {$220.00} ; XXXX XXXX XXXXXXXX XXXX XXXX : {$3000.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$4400.00} ; XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

On XXXX XXXX XXXX XXXX XXXX XXXX  I Experian requesting an investigation into items that I believed were reporting inaccurately on my credit report. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you make sure they are reporting 100 % accurate information from my credit report and request that you reply within a reasonable amount of time.
Consumer complaint received 2023-04-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Friendly Finance Corporation (OH)

The company in question uses very deceitful and very infuriating ways to try and get payments. The company makes promises that it refuses to keep and uses threats that it will not keep such as constantly threatening to repossess said vehicle. Even after I told the company to come and pick up the vehicle they still decided to try and constantly call me at work and on my home line to the point of blatant harrassment. From the time of XX/XX/XXXX till now XX/XX/XXXX, constant threats have been made to garnish checks and repossess the vehicle even though I very clearly told them to come and pick up said vehicle back in XXXX. I have saved text messages from employees and supervisors with very questionable interactions between I and said company. And the company also continuously claims payments have not been made since XXXX XXXX XXXX even though I have records of payments being made over the past 3 months and twice in one month on occasions to catch up the past due balance.