davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. 
XXXX XXXX XX/XX/XXXX. 

TransUnion Consumer Solutions XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX. 

Subject : Request for Name Change, Profile Merge, and Updated Credit Report Dear Sir/Madam , I am writing to request an update to my credit profile due to a recent legal name change. Please find my details below for your reference : Old Name : XXXX XXXX XXXX New Name : XXXX XXXX XXXX I kindly request the following actions be taken : XXXX. Update My Name : Please update my credit profile to reflect my new legal name.

2. Merge Credit Profiles : If there are separate credit profiles under my old name and new name, I request that they be merged into a single profile to ensure accuracy and continuity of my credit history. 
3. Request for New Credit Report : Following the updates, I would like to request a copy of my updated credit report to confirm that all changes have been accurately made.

For your reference, I have enclosed copies of the following documents to support my request : A copy of my legal name change document.

A copy of my government-issued ID.

A copy of my government-issue Social Security Card .

Proof of address ( Most recent utility bill ). 

Please confirm receipt of this letter and the actions taken at your earliest convenience. If you require any additional information or documentation, do not hesitate to contact me. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX.
Consumer complaint received 2022-07-01
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: U.S. BANCORP (CA)

I opened a US Bank XXXX Credit card at XXXX. I enrolled their offer get XXXX points after I spend XXXX in 120 days. I finished their requirement at XXXX and I called their customer service to confirmed it. They said everything was met. just wait for next month statement to post the bonus. After next month statement I still not get any bonus yet. I called them again in XXXX. They still confirmed for me everything ok they will let manager to handle it. But after that I do received the letter said I am not met the XXXX requirement yet. so no bonus for me. I called them one more time. Now their supervisor XXXX is very rude, she changed the story said my XXXX  card doesn't count to the requirement. So they won't give me bonus. What happened to the US bank. They just use tricky to treat customer like this? I use their bank a couple years. I am their loyalty customer. Now I felt very frustrating and unhappy for their customer service. I just be cheated. If they said I am not met their requirement on the beginning when I called them. I still has time to spend it. Not just wait for 2 months later to tell me about the result is no. I think maybe it is the way they can save the bonus to keep the money. This is unacceptable. I want them honor the XXXX bonus.
Consumer complaint received 2023-02-01
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 (IL)

I applied for the XXXX XXXX American Express credit card back in XXXX 2022, which on the page I applied it advertised I could receive XXXX bonus delta miles after applied and used {$XXXX} in the first XXXX  months. I still haven't received that advertised bonus mile and when I called them they are saying only new customer could receive this offer which there is NOWHERE stating that on their website when I applied ( I used to have a different AMEX credit card but I close that account couple years ago, but they are saying I am not a NEW customer... ). 
It is absolutely not acceptable, completely false advertisement and scam. The ONLY reason I applied for this credit card is to get the bonus milage from XXXX and I did spent {$XXXX} after I opened the account. 
Also AMEX has been sending me mails ( more than XXXX times ) convincing me to apply for this credit card but didn't say anything about new customer only. 
If I know that I am not eligible for the bonus millage, I would never applied in the first place.
Consumer complaint received 2022-07-01
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. (NV)

How many times do I have to tell the Credit Reporting Agencies that the references for the late payment on these accounts are erroneous and misleading causing negative impact on my file? I previously sent a letter to Experian requesting the investigation and correction of the accounts and yet they have done nothing. Experian is obliged to investigate and update this account per consumers requests under the FCRA regulation. The 3 credit bureaus must validate this account in line with the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. Once again, I am requesting that Experian take their time to THOROUGHLY investigate and CORRECT these accounts to report accurate information on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-08
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Acct # XXXX I did not give permission for this to be reporting to my credit report. 

Please remove right away.
Consumer complaint received 2022-07-01
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. (VA)

In accordance with the Fair Credit Reporting Act 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 have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-12-08
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: Maximus Federal Services, Inc. (GA)

Aidvantage ( YOU ) are reporting accounts without written permission! I never gave any consent to report these accounts. All reporting agencies ( XXXX, XXXX, and XXXX ) are showing this harmful information to my consumer report. How did you all get my information! Someone is illegally sharing my information ( the financial institution ) 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

How did AIDVANTAGE get my information if I never authorized this!? 

Section ( b ) Financial institutions safeguards ( XXXX ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and My information has been exposed! You have caused me harm & danger. 
Who gave you all access or was there a breach!?
Consumer complaint received 2022-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the Fair Credit Reporting Act 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 have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have sent mutliple complaints to the credit reporting company about incorrect information and they keep acusing me of using a credit company when the information is being sent directly from me about the incorrect information on the credit report.
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I wanted to inform all parties that in the last thirty ( 30 ) days that I have contacted the Federal Trade Commission. I explained in my letter to you that, you, none of your action have complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information.

I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law. 

XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX  # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX bankruptcy discharged # XXXX
Consumer complaint received 2022-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Acct : XXXX, XXXX XXXX  XXXX have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-12-08
Product: Credit card or prepaid 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: WELLS FARGO & COMPANY (PA)

XXXX ) A charge of {$16.00} was processed on my Wells Fargo credit card on XX/XX/XXXX ( Can be found in the pdf statement dated XXXX ). Reference number XXXX XXXX ) I got a notice of a pending payment on my credit card, so I paid the balance off on XX/XX/XXXX ( Can be found in the pdf statement dated XXXX ) XXXX ) I realized the transaction was a fraudulent transaction and reported it to Wells Fargo ( Can be found in the image file XXXX ). 


XXXX ) WF fraud team got in touch and wanted me to contact the merchant ( XXXX ) directly. I got in touch with XXXX and got the charge revoked. The card was linked with a different user account ( no information on whose account it is ). Card unlinked from account XXXX ) WF fraud and customer care team confirmed that transaction has been disputed, promised written resolution and refund of paid amount ( {$16.00} ). Credit card cancelled due to fraudulent transaction XXXX ) Same charge re-appears in the statement a couple of months later ( Can be found in pdf statement dated XXXX ). Interest has been charged, the payment is not reflected and a late payment has been reported to the credit agencies XXXX ) I try to get in touch with XXXX fraud team online and over the phone. No response from either team XXXX ) I physically go to a XXXX branch and have a staff member connect me with XXXX fraud team. I am assured that my balance is clear and my credit report is clear as well. I checked my credit score and the late payment is still on my record ( as of XX/XX/XXXX )
Consumer complaint received 2023-07-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NJ)

I have sent XXXX XXXX dollars to XXXX in order to pay my student loan, I came to here as an international student and I am paying off my loan. I sent the money through XXXX service XXXX app, on XXXX XXXX and it was marked delivered on XX/XX/XXXX. Upon checking my XXXX bank account, these funds were not available in my account. I informed XXXX and they confirmed that the transaction was failed but they needed confirmation from their partner if the funds were sent back to them or retried to send to XXXX, I gave them more than 10 days now and called them every day to ask if they have processed a refund or sent to my account in XXXX, they keep on saying we can tell you by tomorrow but they do not update anything, just keep delaying everyday. This is mentally harassing and taxing for me and I am being charged interest every day that this money gets delayed. I am very stressed and request your help. I have proof of all transactions and bank statements to prove my case.
Consumer complaint received 2022-12-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc. (OK)

I sent this to cash app I just copied and pasted it And I need to appeal the decision that I authorizedthe transaction for {$250.00} because I did not authorize it nor did my husband $ XXXX XXXX XXXX Because my husband did not authorize it neither did I we do NOT KNOW WHO OR WHO THIS BUSINESS IS that's y we believe an error occurred because we r the only 2 with access to the tablet, besides the one that got stolen {$250.00} to XXXX but when I first did it they had a different name
Consumer complaint received 2022-06-07
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. (AL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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. 

XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX
Consumer complaint received 2022-07-01
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: Experian Information Solutions Inc. (TX)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

EXPERIAN NAMES : XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX : XXXX XXXX XXXX INQUIRIES XXXX XXXX XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX EMPLOYER : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYERS : XXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/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
Consumer complaint received 2021-01-06
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. (NY)

I am disturbed that you continue to list the dismissed bankruptcy as confirmed. 

Although it is your policy to keep reporting bankruptcies which are filed or adjusted for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to Bankruptcy about dismissals or filings.

The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.
Consumer complaint received 2022-07-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MI)

Comenity bank up dated there web page and now you can not login to your account. And the big issue is that I'm not the only one who is having trouble. And when you contact them you get a standard reply that doesn't address the issues. And now we are going to end up with late fees. Please help us with this issue. I have XXXX cards issued through them.
Consumer complaint received 2015-05-10
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

XXXX XXXX XXXXXXXXXXXX. 
To Whom it may concern, Our loan is owned by XXXX, Until XXXX of last year we were being serviced by XXXX, do to circumstances beyond our control, we have had a few rough years starting with my health, in 2010 I had to have XXXX XXXX, ending up with me having to apply for XXXX. My husbands company in which he has worked for over XXXX years, was sold and under reconstruction he lost income there, my parents both died in XXXX months of each other and there was no insurance, we had to help pay funeral cost, these circumstances made it difficult for us to maintain a mortgage payment of XXXX. Last XXXX XXXX offered us a modification trial which brought our payment down to XXXX we have had no problem making this payment. and made XXXX in a row. After we made our XXXX payment to XXXX, we were switched to .Select Portfolio, we have had such a difficult time dealing with this company never get to speak to the same person XXXX, they assigned us an account person an til this date never spoke with .or if you leave a message, do n't return any calls. So they sent us a letter from XXXX saying they were n't going to honor our trial, a letter which we never received. I called XXXX and they stated that the offer was not declined and XXXX should be finalizing the agreement. 
I have a letter stating if we make XXXX payments of XXXX we would be permanently have that payment, XXXX even sent us a XXXX write off and XXXX company did n't honor that either. Why would XXXX send us a wrote off if they were n't going to honor the trial. XXXX told us we had to apply for your in house modification, in which we did and it has been very difficult, I have faxed it at least XXXX different times and even register mailed it, each and every time, I was told something was missing, even when I sent the registered letter, someone told me they did n't receive it, and I had the computer in front of me and I had to say someone signed for it, ( That 's funny I have proof that someone in your company signed for it ), I was put on hold and then told yeah we got it page XXXX is missing. When we finally received paper work from them instead of offering us a modification, their expecting us to pay 3000.00 a month, to catch up back payments not honoring the XXXX straight payments we made, their trying to say were XXXX behind if you subtract the payments we made it would n't be that much, along with the paper work was an application for short sale, they even had our home apprised which gave rental value of the house instead of market value, also on the paper work our income is n't correct, they have us making more then we actually make, I feel instead of helping us maintain our home, XXXX is trying to either foreclosed on us, or do a short sale it, do n't want to help us at all. 


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Select Portfolio Servicing , Inc .