davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

credit report not popping up ins sytems. 
XXXX XXXX XX/XX/1993 is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX is my adress.
Consumer complaint received 2022-08-07
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: AMERICAN EXPRESS COMPANY (NC)

I opened a credit card with American Express on XX/XX/XXXX. The offer was for 0 % financing on purchases for XXXX months. After I applied and was approved for the card I receive no notice as to being denied or approved for the promotional interest. I wanted to confirm the terms so I chatted with AE on XXXX XXXX. I reached out several times on chat ( below ) and phone and received XXXX internal dispute confirmation codes : XXXX and XXXX. On XX/XX/XXXX I was charged {$270.00} in interest so that was finally confirmation that they were not giving me the promotional rate. On XX/XX/XXXX I was told to wait XXXX business days for the matter to be reviewed. I waited and received no response. When I chatted with AE on XX/XX/XXXX I elevated my complaint to a XXXX but received no resolution other than more delay tactics. The promotion was XXXX XXXX XXXX XXXX with the offer code # XXXX and the offers were supposed to be the following : ( XXXX ) XXXX XXXX bonus XXXX after spending XXXX in first 3 month period ( XXXX ) {$130.00} XXXX XXXX XXXX XXXX XXXX months ( XXXX ) 0 % APR on purchases for 12 months from date of opening and ( XXXX ) plan it fee 0 % introductory fee on each purchase moved to the plan within first 12 months. 

NOTE : the offer I received on a mail flyer had the above referenced code. I have since misplaced the original ( but I did receive the same offer again in the mail and email ) The email that I attached below was for the exact same offer but sent to me on XXXX XXXX.
Consumer complaint received 2022-08-09
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. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-08-09
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Finmax Smart Capital LLC (TX)

My ex mother in law received a message by phone on XX/XX/2022 then soon after a phone call they told her everything about my debt and that they were trying to get should of me after my ex mothers in law called me I called them and asked why they were giving my personal information to people including my debt amounts its XXXX something she said they are trying to collect so I told them I had to make a few phone calls and see what I can do to try to pay so again the next day my ex father in law receives a call XX/XX/2022 and they told him everything too so idk if that is permitted or not
Consumer complaint received 2022-08-07
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. (FL)

To Whom It May Concern, My credit report contains a fraudulent account that I would like to dispute. I have not made any purchases in connection with the account listed below, which appears on my credit report. I believe this is the result of identity theft. I have contacted the company to delete the fraudulent account. Despite my best efforts, I have not been successful. My request is that the fraudulent account be removed from my credit report as soon as possible. 

XXXX XXXX : XXXX Enclosed is a copy of my FTC report to support my case. 
My Drivers License, Social Security Card, Proof of Address and Notarized Letter. 

Thank you!
Consumer complaint received 2022-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (WV)

Hello, this bank is always charging for overdrafts that never actually happen and I am tired of fighting them over it. On XX/XX/2022 my posted balance at the end of the day was {$340.00} yet I was charged 2 overdraft fees that day. I messaged online to request a refund of the fraudulent fees and was told they would open a ticket and someone would get back to me. I still have never heard back from the bank. My escalation number is XXXX. Please also note that I am opted out of overdraft coverage service and have been for the life of my account. This is not the first time this has happened to me and I have also read multiple complaints of this happening to other customers as well. I know that by bank regulation they can not charge me an overdraft fee for transactions that have not actually posted to my account.
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX with account number XXXX has violated my rights : 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681 section 602 A. States I have the right to privacy. Also you will see that there inaccurate payments listed on the XXXX XXXX  XXXX  account. On my XXXX credit report for the year of 2020 it shows XXXX  as current, XXXX as not current, and XXXX as not current. But on my other reports it shows the exact opposite. On my XXXX credit report it shows XXXX of 2020 as current, XXXX as N/A, XXXX as current and XXXX as current. These are just a few that you'll see. Also for the year 2020 it shows XXXX as late on my XXXX  report but on XXXX it shows current.
Consumer complaint received 2022-08-07
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: Experian Information Solutions Inc. (FL)

To whom XXXX be concern, I am writing to request a correction of the following information that appears on my [ XXXX, Experian, XXXX ] consumer report : XXXX reported late payments on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this account on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.=Except as provided in paragraph ( 3 ), the term consumer report '' does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 

Failure to respond satisfactorily with deletion of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character ( per se ) XXXX. Negligent Enablement of Identity Fraud XXXX. Fair Debt Collections Practices Act 15 USC 1692g violations XXXX. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681p ] Best regards, XXXX XXXX
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CO)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.
Consumer complaint received 2022-08-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I dispute was sent over XX/XX/2022, and Transunion have sent many stall letters refusing to correct the information on my consumer report. They are in violation of my consumer rights by not honoring my request and not obtaining my permission when it comes to removing information that invades my right to privacy.
Consumer complaint received 2022-08-07
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 have written Transunion multiple times disputing incorrect items on my consumer report and each time i disputed they have not responded and just updated these items as verified without send the method of verification or validation. I have also sent Transunion multiple disputes regarding unknown fraudulent inquiries on my consumer report. I feel like my rights are being violated and that Transunion is not following the law when it comes to my consumer report. Transunion has assumed a role and without my written permission that have been adding things to my consumer report. I never gave Transunion my consent to have my information or to share my information. Transunion has wronged me due to its negligence and willingly and knowingly continuing to participate after being instructed to remove these items. Here are the account and inquiries that i have been disputing. These are the accounts XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXXT -, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX I have also sent Transunion dispute regarding unknown fraudulent inquiries on my consumer report. These are the inquiries XXXX XXXX  - XX/XX/XXXX, XXXX  - XX/XX/XXXX, XXXXL - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX.
Consumer complaint received 2022-08-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (CT)

On XX/XX/XXXX, XXXX, XXXX XXXX XXXXXXXX contacted my brother and left a voicemail instructing him to forward the voicemail with urgency since it was a second attempt to contact me regarding a mitigation. I have had the same phone number since XXXX, and I have no missed calls from this office. My brother forwarded the voicemail, and I was alarmed, as the voicemail contained a reference number and a threat to proceed without my participation if they did not receive a response from me that day. I called XXXX. The receptionist matched my reference number and informed me that a case manager at extension XXXX hd been assigned to my case. The case manager informed me that their client contacted me about breach of contract regarding a loan with Citibank serviced in XXXX. I was given an opportunity to voluntarily resolve the matter by paying approximately $ XXXX. If I didnt wish to pay that amount, the client had the right to pursue over {$29000.00}. I went from alarmed to upset, as the case manager had somehow obtained my full social security number and birthdate, and indicated to me that written notices were sent to me at an address I havent lived at for over 16 years, and also to my current address. I did not verbally confirm either address with the case manager, but I noted that I had received no such notification. I am on high alert now, as Ive never had a loan with Citibank. I have had store credit cards issued by Citibank ( all paid as agreed and closed for years ), with limits well below the amount that this client of XXXX XXXX XXXX XXXX  was attempting to collect. I believe that if my identity was not already compromised to originate this loan, it now certainly is.
Consumer complaint received 2022-08-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Ascendium Education Group (FL)

Unsubsidized FFEL Consolidation Loans I have been paying income-driven payments by an automatic deduction for years. At some point, the XXXX decided to change the way they do things unbeknownst to me and stopped my auto payment, thus defaulting me. When I figured I had to be close to payoff, I inquired so I could pay off any remaining balance cash I learned about the change and that there are no added fees. 

I never wanted to stop any payments, even when I was in school again or when the covid pandemic allowed for the temporary halt of payments. I should have been fully paid off by now.
Consumer complaint received 2022-08-07
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (ME)

Starting on Sunday, XX/XX/2022 Bread Financial dba/Comenity Bank started a major software update of their banking system. Something went wrong and their whole credit card processing system crashed. At first you couldnd use your card for purchases. Purchaces were denied for insufficient funds because their website wasn't reachable. They got the sales network patched, but you still couldn't log in to check expenses, balances, or make payments. Now they've patched the payment end by having you go through their " XXXX XXXX '' but you have to enter your card number, zip code, and last 4 digits of your SSN. There you can see your prior payments & balances and also make a payment. You still ca't see your purchase details. It has been 42 days since they crashed their system. I don't know if CFPB can levy punitive damages or otherwise force them to hurry up and fix it. This needs to end very soon.
Consumer complaint received 2022-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TN)

Information was sent to both XXXX XXXX Equifax that someone with a similar name/address information was incorrectly added to my credit report. Also address listed is very similar to my address. It has been over 30 days without a response from either bureau to remove inaccurate information.
Consumer complaint received 2022-08-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I XXXX XXXX have been trying to correct many errors as well as duplicate accounts on my report and it has been over 30 days with no response and also with no corrections so by federal law if they are unable to verify the information in 30 days or less then they must delete it. Also per federal law 15 usc 1681i ( a ) ( XXXX ) ( a ) they must delete the information being disputed while the investigation was ongoing and they failed to do so. As a federally protected consumer please help me in enforcing my rights to proper fair and accurate credit reporting. Thank you
Consumer complaint received 2022-08-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (MO)

I processed a refund on XX/XX/22 and I never received the refund. I have reached out to the store and the credit card company. I have yet to have this issue resolved. I have provided the details of the receipt. I am being told that it was processed on the wrong card by the company and that it would take XXXX  days to investigate. I am not sure as to why it was placed on the wrong card and as to why it would take XXXX days for an error made by the store? I was not aware that the company processed my refund to a different account. Not sure what happened but I need to have my money added back yo my card or a check to be issued to me in XXXX hours
Consumer complaint received 2022-08-07
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. (MI)

This is NOT a duplicate complaint. I am representing myself. I am NOT a third party. I have also attached a photo of a utility bill and a photo of my social security card for PROOF of identity along with a report from XXXX to show EVIDENCE that this creditor is violating my rights. In accordance with the fair credit reporting act *XXXX XXXX XXXX  account number # XXXX has violated my rights and 15 USC 1681 section 602A. States I have the right to privacy. 15 USC 1681 Section 604A Section 2 also 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 credit card account under an open end consumer credit plan as late for any purpose. I am not a third party I am representing myself. Every piece of information on this account is NOT reporting 100 % Accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % ACCURATE! I have attached a report from XXXX to show PROOF that this creditor is in direct violation in accordance with the Fair Credit Reporting Act ( FCRA ). The dates of last payment and the dates last active are DIFFERENT with all three credit bureaus. The account status is DIFFERENT with all three credit bureaus. The dates for " Date Opened '' are DIFFERENT with all three credit bureaus. And again... all of this is PROVEN in the file attached to this complaint.
Consumer complaint received 2022-08-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am representing myself. I am NOT a third party. I have also attached a photo of a utility bill and a photo of my social security card for PROOF of identity along with a report from XXXX to show EVIDENCE that this creditor is violating my rights. In accordance with the fair credit reporting act *XXXX* XXXX  account number # XXXX has violated my rights and 15 USC 1681 section 602A. States I have the right to privacy. 15 USC 1681 Section 604A Section 2 also 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 credit card account under an open end consumer credit plan as late for any purpose. I am not a third party I am representing myself. Every piece of information on this account is NOT reporting 100 % Accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % ACCURATE! I have attached a report from XXXX to show PROOF that this creditor is in direct violation in accordance with the Fair Credit Reporting Act ( FCRA ). The dates for " Date Opened '' are DIFFERENT with all three credit bureaus. And again... all of this is PROVEN in the file attached to this complaint. The dates last active are DIFFERENT with all three credit bureaus.
Consumer complaint received 2022-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (CA)

Good afternoon, I applied for a Chase Freedom XXXX XXXX ( XX/XX/2022 ) and received the card within a week. Upon receipt of the card, and unbeknownst to me, the credit limit was reduced to {$500.00}. When I requested a credit limit increase, they denied it and would not tell me why when I reached out to them. I was transferred to numerous people and they all could not help in any way. I ended up closing the account without ever using the card. The problem here is they ran my credit and issued the card with a credit limit that was not communicated to me or authorized by me. Had I known the the credit limit was going to be {$500.00}, I would not have applied or moved forward with the card. They withheld this information during the application process and signed me up for a card with a credit limit that was not authorized or agreed to by me.