davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I contacted Transunion to request they remove all of the hard inquiries to my credit report since I did not request them. They refused. 
Below is the list of hard inquiries. Some of the hard inquires were on my credit report multiple times. 

XXXX via XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX AND XXXX
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: Experian Information Solutions Inc. (NC)

THIS IS NOT A REINVESTIGATION REQUEST. I am writing to request a method of verification for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Please provide me with the following information : XXXX. The name, address, and telephone number of the person or organization that provided the information. 
XXXX. The specific documents used to verify the account information. 
XXXX. Details about how the investigation was conducted, including the date and method of verification. 

As a consumer, I am entitled to a fair and thorough investigation of any disputed information. My previous method of verification request on XX/XX/year> and XX/XX/year> and was ignored and I was sent dispute results ( letter attached for reference ) dated XX/XX/XXXX that state VERIFIED AND UPDATED. However, the method of verification information was not given upon request.Which is a violation of my rights.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-02
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (NV)

Hi- I applied for a New York & Company credit card on XXXX to receive an additional 30 % off my first purchase. They allowed me to use the credit line but after calling both the store Customer Service line and the Credit Card servicing line, they did not know how to provide the discount to me. They said they were experiencing technical difficulties and I would definitely get a 30 % off promotion in the mail when my actual card was received. It never happened. I have emailed customer service on multiple occasions and the response makes no sense. It is as if there is some sort of language barrier and they are not understanding what I am asking.. I have emailed them twice regarding the issue and have received responses back including the following : " We are sorry you are having issues using your NY & C Credit Card etc. '' The last email I stated to them that they were in violation of XXXX for never providing the discount to me for getting the credit card. I stated I was going to file a complaint with the CFPB and my later emails were returned, the customer service employee had blocked my email address. I have told both sides NY & Company as well as Comenity Bank who provides their credit card. No one cares nor knows what to do. Again, after the last email regarding the issues, my email was returned as undeliverable. The company blocked my email address apparently as I was very upset and that had never happened before. The last email sent on XXXX had the same reply that made NO sense.. " We understand that you are facing difficulties placing an order with your NYCO credit card, and we want to help you resolve the issue. In most cases, the NYCO card is not accepted due to its XXXX length. '' I have all the emails that I have sent to customer service as well as these responses that make no sense ( not even relevant to not providing the discount ). See attached documentation. I also have proof that I was blocked after that. This is a last resort. I have been a loyal customer to this company for so many years. Very disappointing and that they really do not care at all. I appreciate your help. Kind Regards, XXXX XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2023-05-02
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (TX)

I have not been able to use their system which we aggreed upon. The website or the app. Neither accepts my paymebts via debit card. This costs me greatly in gas to drive to the store. To get harassed about paying off a debt on time while getting asked if i want to borrow more money. But when i tried to make the payment today ( 2days early ) not unusual. But today i tried to make a call over the phone. After making the original payment due by XX/XX/XXXX of XXXX. XXXX. There was still and outstanding balance of {$20.00} and change due by XX/XX/XXXX. So i paid that. Then there was still {$8.00}. At this point i realized my monthly payments were being misrepresented and the fees theyre charging now arent represented at all. I dont have access to the documentation they say is provided in my account on there website. Nor is there any transaction history. And in the end she claimed she didnt know why it was doing that but she is not responsible for how the system charges. And how it doesnt recognize an early payment even tho it has for over a year now
Consumer complaint received 2023-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MD)

On XX/XX/2023, I made a payment to my CareCredit account for {$480.00}. This is a credit card that allows you to make promotional purchases at a 0 % interest rate for a period of time ( six months ). 

I currently have four promotional charges on my account that I am working to pay down as quickly as possible to take full advantage of the deferred interest. 

Their website does not allow me to allocate where my payment is applied. Instead, I must make the payment and then request a representative to allocate my payment. I waited several days after making the payment and then reached out to a representative to discuss how I would like my payment to be allocated. 

I requested that the first promo purchase ( made on XX/XX/23 ) receive {$120.00}, the second promo purchase ( made on XX/XX/23 ) receive {$82.00}, the third promo purchase ( made on XX/XX/23 ) receive {$120.00}, and the fourth promo purchase ( made on XX/XX/23 ) receive {$150.00}. I was assured by the representative that this action would be completed. 

Several days later I was reviewing my account, and while no money was missing, my payments were not allocated as I requested. This makes it more difficult for me to track my payments and balances. The allocation does not reflect my request for any of the four promo purchases, and left higher balances on some of the older purchases, which if not paid off before a certain date will accrue and interest charge. The majority of the payment seemed to go to my newest promo purchase. 

When I reached back out, I was disconnected from one chat representative, and then the second one listened to my request and told me it would take up to 60 days to correct the allocation. Already with a sour taste in my mouth I can't say that I trust anything is actually going to happen to fix this issue, nor do I think 60 days is a fair wait for an action that was not my fault. I requested to speak to a manager and was given an incorrect phone number by the live chat rep. I looked up the number on my card ( which was different than the rep gave me ) and was connected to two agents, both of whom hung up on me when I began to ask for assistance in relation to the misallocation that occurred on my account.
Consumer complaint received 2023-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (TX)

I currently have an Apple Card, issued by Goldman Sachs. I have been an Apple Card holder since its inception, have never been late on payments, and pay my balance in full every month. 

I received my XXXX statement, with a balance of {$940.00}. I made a payment of {$450.00} onXXXX XXXX. On XXXX XXXX, I made an additional payment of {$480.00}. Because of a glitch in their payment system, my first payment didn't show as processed. I normally receive an immediate notification and email that the payment was received, my card in the Apple XXXX goes white, and the payment button is no longer available. None of these things happened, so I submitted the payment again. The second time I submitted the payment all of the usual things happened ( notification, email, payment button unavailable ). About 15 minutes later I received an email that the first payment processed. 

So, I paid a total of {$1400.00} for a {$940.00} statement balance. 

I contacted Goldman Sachs immediately after receiving the email that the additional payment posted and was told that there was nothing they could do at that time, but that she would submit a claim to have it refunded. On XXXX XXXX I received an email stating that they had reviewed my refund request, but they were refusing to refund my {$480.00} overpayment. 

I called their " customer service '' number to inquire about the email and have never received worse customer service from a credit card company -- they are horrible! 

This theft by Goldman Sachs is unacceptable and should be illegal, if it isn't.
Consumer complaint received 2015-04-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

The plaintiff Bayview Loan Servicing , LLC the making illegal summons complait to foreclosure with doubt posting a residential {$100.00} Bond. 
The complaints was not proper verified and notarized. 
The Assigment of mortgage have comflicting information.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am reaching out for your help with this incorrect account appearing on my credit report. Ive raised this matter because its been damaging my reputation, and I need your assistance. The mishandling of my credit report has left me in a difficult situation, as this inaccurate information has damaged my reputation. Please correct these mistakes so I can live peacefully with my family.
Consumer complaint received 2023-05-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

Chase closed my checking account and still holding my Funds from the month of XXXX. I reach several time in chase Branch & talk on the phone with customer support Dont found any helpful Decisions. 
I Got the checks from my friend & Family members I Deposited in my account and they raise the reason they need additional verification from the person you got check issued I took my family members to the Chase Branch first they took there identification or proof of evidence of the individuals or corporations and submit online then they said give 2-3 Buildings Days to get Verified by customer support after 2-3 Days they said ok you get your cashier checks in the mail after tht they send me two cashier checks but then again I reach customer support why I dont received my all funds then they said they need additional verification then I make the appointment with my family friend and took him to the Branch with additional Verification Documents they requested. When I visit branch the same person I met hes very helpful but the Department with whom hes in talk not giving any solution how I am able to get verified in the response they said Bank update the verification Process now Bank only able to Verified the Person only on Phone they just played & Im really frustrated & feeling paralyzed with the chase & at some point feeling to commit suicide with all the problem created by JPMorgan Chase to my life
Consumer complaint received 2016-11-23
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC (WI)

I am trying to refinance my first mortgage through my bank back in XXXX 2016. In the process they said they needed a subordination from my second mortgage lender to proceed. My bank filled out and sent the necessary paper work along with the {$250.00} fee for the subordination. The check was cashed by Nationstar but they continue to stall. I was hoping to refinance to a lower interest rate 3.75 % XX/XX/XXXX now its almost XX/XX/XXXX and they continue to stall and not respond. That new interest rate could have saved me {$200.00} a month on my payment. Now the rate lock expired long ago and rates have gone up. My bank has repeatedly emailed and called with them saying you will hear something soon then never respond again. I have called and emailed several times with no response. They should not be able to hold me hostage like this. Its my second mortgage and I have been paying it faithfully for years. I would have never expected this.
Consumer complaint received 2023-07-07
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: MARINER FINANCE, LLC (PA)

On the photo attached this bank has three different dates when things were reported or discontinued with this car loan its been almost XXXX XXXX years that Ive tried multiple times and they did sell it to the collections agency but this one is still showing on my credit report, it needs to be removed
Consumer complaint received 2023-05-02
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (FL)

Have called to resolve issues with loan since I started it in XX/XX/2022. Have paid approximately 30 % of loan off and they are reporting that I haven't been making payments or not updating correctly with all 3 credit bureaus.
Consumer complaint received 2016-11-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NC)

Contacted by my my mortgage company, Nationstar Mortgage that I was eligible for a recast of mortgage due to paying HARP refi on time for 6 years back in XX/XX/XXXX. Since that time, I have been told repeatedly that all was in order. Then when I pay the new amount, they keep saying I am denied and owe more money. This has happened 3 times! What can I do?
Consumer complaint received 2020-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (HI)

I was in the XXXX last XX/XX/XXXX and around XX/XX/XXXX when I noticed a fraud transaction on my card last XX/XX/XXXX & XXXX, XXXX. A total purchase Of {$2100.00}. l called Wells Fargo Long distance around third week of XXXX weeks after the transaction, it took awhile for me to notice the fraud because I never ever use this credit card when I am abroad, and I didnt have any transaction on this card for a long while thats why I was even wondering how come they authorize this transaction even the purchase was more than my credit limit. I was expecting that this credit card company should decline any purchases because first of all I didnt call them to inform my international trip and its Been A doormat account. Since I am away for months I never get the chance to see all my mails not until when I came back to the US last XX/XX/XXXX. I received Wells Fargo declining my request for reversal, so I appeal again like 5x already but still they are telling me its a valid transactions Authorized transaction. I requested a copy of their investigation, the transaction slip shows a different signature, obviously not my signature! I even reach out via email to the store manager where the fraud purchase was made, they even said that they are practicing NO TOUCH policy on all credit card transactions in that store. I think their mistake is not checking the i.d of the cardholder. 
I am not responsible on this purchase. They should investigate thoroughly and charge that company who made mistake. I will try to get a police report when I fly back to the XXXX. 
This is stressing me out and Its affecting my credit score.
Consumer complaint received 2016-11-29
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: ALLY FINANCIAL INC. (PA)

Ally Bank charged an overdraft fee when, on my account, it is clearly stated that the deposit posted before the debit. They said there was a " hold '' placed on the deposit, but there is no record of it. When asked to refund the overdraft fee, they said no. This happened once before and they admitted their mistake and refunded the fee. 2nd time around? No refund. After going round and round with them, they STILL could n't tell me WHY I was charged the fee other than the " hold '' on the deposit- again- even though the deposit was posted AND time-stamped BEFORE the debit.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

Hi. My name is XXXX XXXX ( last 4 SSN XXXX ). I have two items on my credit report that I feel are incorrect. 

First, is an alleged debt from XXXX XXXX XXXX in the amount of {$3000.00}. This debt has been reported on all three credit bureaus. This alleged debt amount is from an apartment complex that was shared by myself and my significant other. We never received anything in writing from the apartment complex regarding an outstanding balance. How can a company place a debt in collections without at least giving consumers the opportunity to pay it? This debt has also been applied to my boyfriends credit reports as well. We have not way of verifying the validity of this collection account. Personally, I feel as though this is retaliation on behalf of the apartment complex for several complaints we had made prior to our lease ending. Ive reached out to the credit bureaus regarding my concern ; my dispute came back as valid. 

Second, is my account with XXXX XXXX XXXX. My credit card account was closed by them back in XXXX. Theyve recently decided to report a balance increase last month on a closed account, which is causing my credit score to drop even more. 

These credit agencies/bureaus should have a more uniform, consistent manner in which they can report/add items to consumers credit. We are literally at the mercy of them, which is so scary because we need credit in order to live. Erroneous credit items and illegal reporting is costing Americans XXXX, maybe XXXX  of dollars.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-05-11
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)

THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.
Consumer complaint received 2023-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (CO)

on XX/XX/2023 at around XXXX XXXX ( MST ) I tried to active my credit card with US Bank and upon calling the contact us list on the activation website, Commercial Clients XXXXXXXX ( Toll Free ) I was met with a promotional offer about medical equipment not anything about credit cards. I tried to deny the medical offer but then I was transferred to a live agent ( Female ) trying to still offer me this promotional offer for medical equipment. I stated that I was there to active a credit card and asked if they were with US Bank to confirm. The agent disregarded what I said and said that we should explore the offer and see if it is right for me. I informed the agent that this is a Unfair, Deceptive, or Abusive Acts or Practices and that I am only here to active a credit card. The agent then plays some recording about the medical promotion offer and I hang up.