davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE (MI)

Hello, I opened my Huntington unlimited plus business checking account in XXXX, MI branch on XX/XX/XXXX. At that time, Huntington bank has a promotion to open business checking account. 
Promotion conditions are followings : To be eligible for the {$1000.00} cash bonus, business customer must open a new Huntington Unlimited Plus Business Checking, Business Analyzed Checking, or Non-Profit Analyzed Checking account by XX/XX/XXXX, then make a minimum cumulative new money deposit into the new checking account of at least {$20000.00} within XXXX ( XXXX ) days of account opening. The {$20000.00} or more daily balance must be maintained for 60 days after meeting your initial cumulative new money deposit requirement. Account must maintain open status for at least XXXX days before it is eligible for the bonus payment. 
I have met all promotion conditions, but Huntington didnt pay me {$1000.00} bonus. Please help me to investigate what happened and deposit {$1000.00} bonus into my account. 

XXXX XXXX XXXX
Consumer complaint received 2023-02-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (CA)

I was contacted at XXXX XX/XX/2023 from Penn Credit Corporation by XXXX who would not provide me her last name nor any contact information. She notified me that there was a debt collection agency trying to contact to collect a debt and asked me to verify my full name and give her my address. I refused to do both and asked who was trying to collect the money and how much money was to be collected. She refused to provide me with that information until I gave her my personal information first. I attempted to collect more information from her but she refused any further attempts to gain her contact information or the exact debt amount or debt collector I should be working with. I asked her to remove me from her calling list since I'm registered with the national do not call registry. She hung up on me.
Consumer complaint received 2024-09-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Carvana Group, LLC (MI)

On XX/XX/XXXX I was approved for a car loan on a XXXX XXXX XXXX for the amount of {$27000.00} after utilizing my right to credit under 15 USC 1681 by giving Carvana my social security number. After submitting an approved credit application to Carvana they terminated the credit transaction claiming that the information I provided was potentially false. When I checked my XXXX credit report I see an inquiry from Carvana dated on XX/XX/XXXX. This proves that Carvana used my personal information and social security number to verify the information on the application. This adverse action hurt my credit score, hurt my ability to get credit in the future, and cause a lot of mental stress. I believed I was supposed to obtained a vehicle after being tricked into giving up my social security number by Carvanas misleading marketing. This also hurt my ability to make more make and have a better life because I was going to rent the car out on XXXX. Pursuant to 15 USC 1691 scope of prohibition I have been discriminated against after exercising my right to credit in good faith. Also, according to 15 USC 1602 ( p ) the term unauthorized use means a use of a credit card by a person other than the cardholder who does not have actual implied or apparent authority for such use and from which the card holder receives no benefits. In this case I am the credit card holder that received no benefit and Carvana is the unauthorized user. Please note this company also harassed me by flooding my email for months claiming that I was able to get a vehicle through them. Without the misleading advertisement telling me I was approved I would have never gave Carvana any of my information.
Consumer complaint received 2024-08-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Remitly, Inc. (CA)

I used my phone to tap and pay at a merchant in XXXX XXXX at the airport, after I used the tap and pay my information was compromised and all my money was taken. I contacted the bank and filed a dispute, and the bank rejected my dispute claiming no error was found.
Consumer complaint received 2024-09-03
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MI)

Company names is Jefferson Capital for a XXXX Account. 
This account is not my account and was a XXXX account my father opened over 7years ago. The information that it shows is inaccurate. I have been fighting to get it off my report and when I do its as if they are just selling my personal information to another collection agency in a attempt to pursue.
Consumer complaint received 2024-09-05
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: EQUIFAX, INC. (CO)

I have requested multiple times the proof the accounts appearing in my report without me knowing. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (FL)

: From XXXX I asked three credit bureaus Experian, XXXX, XXXX to update my balances with all of my credit cards along with payment history. They wont update them. XXXX is a closed paid off account. All three bureaus have my owing money. My loan from XXXX XXXX need to be updated with the balance being only XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Need to be updated on the balance. 


Remove negative activity from all credit cards and loans and update the credit report.
Consumer complaint received 2024-08-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Control, LLC (WY)

On XX/XX/year> at I received a text message from XXXX that said " Hello from Credit Control Debt Collector Call XXXX or follow a link '' I called and in and spoke to a XXXX. After verifying my information he told me it was for a credit card debt. I asked him to send me validation of the debt. He asked " what ( my ) intentions were with the debt. '' I advised him I needed to verify the debt. He again asked " what ( my ) intentions were with the debt. '' I said once it is validated I will let him know but at this point I am disputing the debt. XXXX became very angry. XXXX said they would mail me the validation. I asked if he would like my mailing address which he declined and hung up on me. I returned the call and spoke to XXXX ( XXXX  ) and advised her I am not sure where you are going to mail the information and she said she did not know and ended the call. 
This is a violation of the FDCA and any reporting of this would be against the law as they are using angry language and not providing the information as required by law.
Consumer complaint received 2024-09-03
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation (VA)

On Monday, XX/XX/year>, I was approved for a loan for {$2600.00}. Upon approval, was told that I would receive a call to do a welcome screening. I waited and nothing. On Tuesday, XX/XX/year>, I reached out to the local office where the information was sent and spoke to XXXX. I advised why I was calling and immediately received an unprofessional tone in her voice. She pulled up my information and went over what a comfortable payment would be each month, what was the need for the loan included, verified employment, etc. she went to say that since I was in a debt management program, that automatically voids my application. My complaint is the online system approved me for the {$2600.00} but the local office denied the loan. Now I have a hard inquiry on my credit bureau and nothing to show for that inquiry. This practice is deceit and boardeines fraudulent. Your system approved the loan and it should commence as expected.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (GA)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (TX)

Upon reviewing my payment history, I noticed that although my payments were made within the required 30-day period, they were posted to my account after the 30-day mark, resulting in a late payment being reported on my credit report. XXXX payments were made the month XX/XX/year>. XXXX on XX/XX/year> and the other on XX/XX/year> for the entire balance. However payment, didnt post to my credit card until XX/XX/year>, causing the 30 day late. Please see attached highlighted payment history from my XXXX bank transaction list.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 USA 1681. The accounts below have violated mi rights. 15 u.s.e 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 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse tem of information, other than records of convictions of crimes which antedates the report by more than seven ycars. 15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaceurate.

Delete the accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-03
Product: Credit card — General-purpose credit card or charge 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: Chime Financial Inc (FL)

On XX/XX/XXXX Sunday Morning I stopped at XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl. I put my card ending in XXXX in the ATM, while my card being locked in the ATM I moved {$60.00} from my savings account. I selected unlock in the Chime app while also pressing {$60.00} to withdraw from the ATM. The ATM transaction failed and on the XXXX of the ATM it displayed in red letter " XXXX XXXX contact your financial institution ''. I noticed the {$60.00} dollars was removed from account however the ATM failed the transaction which is confusing. In a rush i reattempted the same transaction on my card ending in XXXX which was successful and a receipt was provided. The failed transaction did not furnish a receipt. My bank has refused for several month to provide me my fund and have such moved my fund to a private account and apply interest payment to eat up the available credit. This is unfair bank practice at its finest!
Consumer complaint received 2024-08-29
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Issues with repayment — 
Company: Duvera Billing Services, LLC (TN)

I have been making payments to company ( Easy Pay Finance ) under the assumption that they where my regular scheduled payments. However, I was told that the payments were late only fees, and the fees where drastically higher then the regular payments. In some cases almost double. The company also attempted to double charge may card on multiple occasions for the payments I make. When I spoke with the consumer service representative, I requested confirmation of the payment began made through an email, however, she denied my request and said the she could only give a confirmation over the phone.
Consumer complaint received 2022-11-10
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)

In 2021 during the Covid pandemic student loan payments were not required to be paid and the credit reported agencies reported my loans as late payments. I disputed this and provided documentation however, nothing came of it. My student loans are regular XXXX federal student loans that are not in default.
Consumer complaint received 2024-09-03
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TRANSWORLD SYSTEMS INC (VA)

Unfortunately I don't have all of the exact details because over time the documentation from this lease has been misplaced. I am complaining because my " debt '' has been sold illegally to a 3rd party company and did not give any consent to this. I am also complaining to the CFPB today because I was a hard working tax paying citizen when XXXX ruined my life. I lost my family members, my job, and my house. Not too long after that my car broke down and my life was spiraling out of control. I had an amazing XXXX score and I paid my bills on time before XXXX. 

My ex-girlfriend and I were evicted from our apartment due to not being able to fulfill our agreement due to XXXX restriction/lockdown rules. I have been trying to work with this company to understand that Virginia announced there was relief for renters and for certain amounts of time we would be exempt from having to pay our rent until further notice via the property we lived at. All places we not the same that's understandable. I'm complaining today because I want this removed off of my credit report. I was never given the opportunity to have any time between lockdown or when it started, to have any pause in our rent. How is that legal? to evict someone who cant go to work because of lockdowns implemented by the state of Virginia? 

I don't understand and that's why I'm looking to get this off of my credit report so I can rent a home again because this has been a reason for multiple denials for lease agreements due to this negatively effecting me.
Consumer complaint received 2024-08-28
Product: Credit 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. (CA)

I made a purchase on the card and returned some items using their required packaging/label. The return was received at their warehouse on XX/XX/year>. I was told it would be three weeks for the credit to process. I have called XXXX to find out why after FIVE weeks the credit has not processed. The amount of the credit exceeds the balance owing and they are now charging me monthly service charges. Comenity/Bread Financial - the company offering the store card and XXXX XXXX - the store have me going back and forth between the two with neither able to tell me why they can tell me the amount of the credit but they can not tell me why it has not posted to my account. They have said the return 'failed to post ' but the date for the failure is BEFORE the item was even returned!.
Consumer complaint received 2024-08-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (IL)

I received a letter from the XXXX XXXX XXXX office that my last outstanding loan ( that was forgotten to be included with my other loans for XXXX XXXX XXXX XXXX XXXX has been determined eligible for forgiveness. The effective date of forgiveness is stated as XX/XX/year>. The letter states that my loan servicer will send communication within 30 business days. The letter was sent XX/XX/year>. The 30 days have passed and now my account on MOHELA shows that is it past due. On top of all this, I am owed a refund for one overpayment in the amount of {$380.00} that was incorrectly applied to this outstanding loan when the others were forgiven. I would appreciate verification that my credit score is not negatively impacted. Please see letter attached.
Consumer complaint received 2024-09-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST NATIONAL BANK OF OMAHA (MD)

I received a letter from FNBO on XX/XX/year>, informing me that my credit card limit has been decreased to {$1400.00}. The reasons for the decrease were based on the information reported by the XXXX consumer reporting agency : my XXXX XXXX of XXXX, the number of accounts with delinquency, the length of time of revolving accounts, and loan balances to loan amounts too high. 

I pulled my credit report from XXXX on XX/XX/year>, and it reports : that my XXXX XXXX is XXXX ; ten open accounts, never late ; one loan versus loans, never late ; oldest account 20 years, seven months. The information reported on the credit report I downloaded conflicts with the information reported in the letter received from FNBO. 

Since I've had the BP credit card, I have never been late with the payment. Additionally, the decrease in the credit limit will put me over the credit card limit when the interest is applied monthly, causing unnecessary financial strain and further harming my credit. 

I've attached my credit report from XXXX dated XX/XX/year>. 

Thank you.
Consumer complaint received 2023-03-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (CA)

On XX/XX/XXXX I received a notice from XXXX that I had a new derogatory mark on my credit. When I checked to see what it was, it was a balance of {$270.00} from Credence Resource Management. I do not recognize this debt as I have never received any communications whatsoever regarding this account.
Consumer complaint received 2024-09-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (CA)

My name is XXXX XXXX and I am writing to request your urgent assistance with an issue I have been struggling with for over the past year. I have a Cash App account with a balance of nearly {$3000.00}. Although Cash App has essentially stolen the funds from me, as they have refused to allow me access to my account. 
My phone and wallet were stolen, and I no longer have the phone number or email linked to the account, which is required for account recovery. 
Despite numerous calls to customer service and speaking with supervisors, I am repeatedly told that the only option is to attempt a fund transfer, which is consistently denied by security for " my protection. '' I am left without any viable solutions and have been advised to keep calling without resolution. 
This money is urgently needed for my senior service dog 's XXXX XXXX Please assist in recovering my account or provide alternative solutions. 
Thank you, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX. 
XXXX CA XXXX
Consumer complaint received 2024-08-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV INC. (CA)

Debts were incurred at four casinos in XXXX XXXX on a credit line with XXXX XXXXXXXX, XXXX. via identify theft. My identity was stolen during escrow for a home I recently purchased. When I caught wind of the identity theft in late spring via an attempted email hack I froze my credit at all three credit bureaus.
Consumer complaint received 2024-08-28
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

Had a XXXX XXXX XXXX that have been XXXX for XXXX  years. Asked SPSERVICING to put my Mortgage back on my credit report. I forwarded the discharge notice to them and was told I would have to go back into XXXX  inorder to fill out a reaffirmation to get it back on my report ( as per a customer service rep. ) Why would they want me to go backwards to go forward. Asked to speak to the XXXX  department but refused to speak to me.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Several Credit card accounts was opened up using my name and credit information without my knowledge, as well as two loan accounts. Every credit card opened in question is fraudulent and was not opened up by me personally. I reported this issue to my local police department and filed a report which I sent to XXXX, Transunion, and XXXX. To date nothing at all has been done to correct and remove these fraudulently opened accounts to restore my good credit status.
Consumer complaint received 2024-08-28
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Solar Mosaic LLC (MO)

Mosiac has called me multiple times in 7 days, multiple times. I have let them know they are stressing me out and harassing me. The last time they called I let them know I was starting to record the call to have proof of their harassment, and they immediately ended the call once I told them I was recording it. I have spoken to them when they called in XXXX on XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> many many other times previously. They consistently call daily even after I have talked to them and explained my situation. I have XXXX calls logged from them since XX/XX/year>.