davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Neon Newco Corporation (DC)

I bought a XXXX XXXX XXXX by Netspend from XXXX and loaded it with XXXX . I have been trying to activate my card for days but so far couldn't. 
First, I tried to activate it through their website with no success. On the activation page, you are asked to enter the card number and security number, and when you do that and press continue, nothing happens. The activation page only refreshes ; Then, I called them as I also needed customer support to activate. After several attempts, the automated response was saying that all lines are busy and then hung up!!! I tried several times but can not reach anyone. After that, I downloaded their app, and finally, their system recognized my card for activation. They asked for my name, address, and social security, which I reluctantly gave. After setting up the account, I was blocked again, and I was requested to scan a valid ID and send it to them!!!! 
This means revealing too much information about myself, and most importantly, this request was not written on the card 's packet when I bought it. 
Finally, I tried to solve the issue by calling customer service but again, no luck. It's just that nobody answers. 
Check the other reviews of Netspend on the internet, and you will find tons of complaints about this card. I should have researched them first!!
Consumer complaint received 2021-03-17
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. (WA)

XXXX and XXXX should not be reporting me as an authorized user on the XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on these accounts. I have contacted XXXX XXXX XXXX as well as the bureaus to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report.
Consumer complaint received 2016-08-31
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (MA)

I signed up for an American Express Platinum card due to the offer of XXXX bonus points XX/XX/2016. I met the minimum spend requirements on XX/XX/2016 using valid purchases. I then entered into an 8 week long review process, which should have concluded last week. American express has been very unhelpful throughout this process, and is now withholding the points that I have earned in a breach of contract.
Consumer complaint received 2021-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICA FIRST FEDERAL CREDIT UNION (UT)

America First Credit Union is reporting a late on my credit file and it must be removed. I recently checked my credit and noticed that America First Credit Union was reporting lates on a couple accounts when I was never late. For the months of XXXX, XXXX, and XXXX of 2019 I had made payments online. I had a few issues but didn't think anything of it as it said my payment had been received. Well at that time I looked at my credit and noticed these lates and called immediately to make sure my payment went through. The representative I talked told me that the payment had processed and I was good to go. However, I got another late and called because I was so confused. Apparently my payments did not process like I was told and I paid it off but I was under the impression that this current! This is not my fault, I did what I was supposed to do and I was never notified or called about these late payments. I need them to remove them from my credit immediately.
Consumer complaint received 2021-03-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: REGIONS FINANCIAL CORPORATION (GA)

I applied for a {$10000.00} HELOC with Regions Bank based in XXXX, AL. 
I have a credit score of 794-810 on all three credit reporting agencies. My application was denied because of income to debt ratio. I have {$1.00} XXXX in liquid assets to cover a {$10000.00} line of credit. I sent the lender a balance sheet showing my network and offered to send them current quarterly statements to validate my network but they never made the request. I have a running balance of $ XXXX {$24000.00} in my checking account with XXXX XXXX XXXX XXXX My point, I was denied based on race and age and not my ability to repay the loan. My assets are in mutual funds, stocks, 401-k, IRAs, and Roth. All of debts are paid ahead and will be paid off ahead of the terms. I pay extra principle on my mortgage each month. I have a XXXX that is paid ahead 4 months.
Consumer complaint received 2015-10-22
Product: Prepaid card — Government benefit payment card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (NY)

I have been a loyal customer with Rushcard since 2005, NEVER IN MY LIFE HAVE I EXSPERIENCED SUCH APPALLING BEHAVIOR FROM A BUSINESS, I AM OUT {$280.00} DOLLARS I HAVE DORECT DEPOSITED FROM CHILD SUPPORT! AND LOCKED OUT OF MY ACCOUNT! HUNG UP ON WHEN I TRY AND CALL TO ACCESS MY MONEY HOW DO THEY EXPECT PEOPLE TO LIVE DAY TO DAY WITH NO MONEY ... OUR OWN MONEY WE CAN NOT ACCESS ... 10 DAYS I AM IN DIRE STRAIGHTS DUE TO THE INCOMPETENCE OF RUSHCARD, XXXX, XXXX XXXX ... ..GIVE ME MY MONEY
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

1 XXXX XXXX XXXX ceases any further unauthorized access to my credit report.2 XXXX XXXX XXXX compensation me with statutory damages of {$1000.00} for the unlawful credit inquiry in accordance with the FCRA . 3 failure to resolve this issue may result in further legal action, as I am prepared to pursue all remedies available under the law including formal legal proceedings to recover damages for this violation.
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services (MI)

I have been on a deferment with my student loan payments they are reporting as late on my credit report even though Ive been deferred my deferment ends this month and Ive been late 60 times that can not be as Im in deferment
Consumer complaint received 2021-03-17
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: BARCLAYS BANK DELAWARE (CA)

XXXX XXXX opened this Barclays credit card account without our authorization. They've used our personal information, we don't have any knowledge that they opened a credit card account for us and also made unauthorized charge. I did not agree to any membership, a loan, or a credit card. They used my personal information to open these accounts without my permission. This is fraud and I am a victim of theft. I have filed complaints. They should be investigated for this kind of fraudulent actions. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 but Ive had no responses. Ive sent out requests to the credit bureaus. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.
Consumer complaint received 2021-03-17
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: Chime Financial Inc (TX)

I reported charges on my card in XXXX. They sent out multiple cards that I never received and was activated and used by someone else. I still kept the card and paid the monthly statement on time during the investigation. Its just them more than 45 days and they did not review my case and denied me. I sent them proof of my police report and other documents and they still have not finished with my case again. Now they have recorded it on my credit report making it look like I have that here in this bad credit. Contact the grass many of times to fix my account and verify proof of that of my identity
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-17
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: SYNCHRONY FINANCIAL (NY)

Dear Sir/Madam : Synchrony Bank closed my XXXX XXXX XXXX store credit card account in early 2020 due to identity theft that happened to me. 

Once found the fraudulent activities I immediately reported to XXXX, XXXX  and XXXX  credit agencies and tried my best to get my credit recovered. In the meanwhile, I contacted Synchrony Bank to let them know my situation,. I even called and wrote a letter to the bank manage requesting that they reopen my credit account. I further offered to deposit a special amount of cash as a guarantee or back-up for the credit account. As a matter of fact, I myself has been a loyal customer of the Synchrony Bank and keep a decent savings account with them for many years. 

As of this date, XXXX  website shows my credit score as XXXX  and marked my credit as " Good ''. XXXX website shows my credit score as XXXX and marked my credit as 'Excellent ''. XXXX credit score is not available without a pay. 

Not long ago I opened a new credit card account with XXXX XXXX without any problem, and was given {$5000.00} credit usage easily.. 

However, Synchrony Bank still holds discrimination against me and keeps rejecting my XXXX XXXX XXXX Store credit card application now matter I have tried. Their last rejection happened just a couple weeks ago. 

I want the Synchrony give me an answer why my " Excellent '' " XXXX '' credit score still does not qualify for there bank credit account. What they need to do to have my right as a B & H store consumer. 


Thank you, Regards, XXXX XXXX
Consumer complaint received 2021-03-17
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (WI)

The last dispute XXXX did absolutely nothing Experian can not validate, verify or provide me with information on how they verified the balance on my account I've disputed. I'm requesting that they provide me with everything they used to verify the accuracy since XXXX XXXX XXXX doesn't even have a payment history. Experian failed again to answer any question I've asked about how they validated and verified the information from XXXX XXXX XXXX when and debt has to be sworn to. I'm requesting they provide proof of what Experian used to corroborate what XXXX XXXX who is not the original creditor is saying. Also I'm requesting Experian provide me with the credit application that allows this to account to legally be placed on my credit. I will give Experian 15 days to do this because it's required under Wisconsin state law. If not I will sue Experian for assisting in damaging my credit.
Consumer complaint received 2023-07-18
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. (FL)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX
Consumer complaint received 2021-03-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (TX)

I have spoken directly with XXXX and received direct communication that this amount was in error and cleared and was mistakenly sent for payment. 
The account resolution team XXXX informed me this was removed and that nothing was owed. 

I have informed SEQUIM of this and they still report on my credit reports in error and still continue to harass me illegally. 

They are in direct violation of the FCRA and debt collection tactics.
Consumer complaint received 2021-03-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LTD Financial Services, L.P. (TN)

In XX/XX/XXXX, my adopted daughter needed an apartment near to where she was attending college. We selected an apartment complex and management company named " XXXX XXXX '' in XXXX, TN. The management company required that I be a co-guarantor for a period of 1-year because my daughter ( XXXX XXXX ) had no established credit history. After one year, the Leasing agent informed me that I would be " automatically removed '' as a co-guarantor. No action on my part would be required after her 1st anniversary. However, to the contrary, XXXX XXXX did not remove me from their database. Subsequently to her lease anniversary, my daughter executed upon her own accord with the management company, and without my requiring my signature as a co-guarantor, a new lease. My daughter informed me that she had signed for an extension on the second lease she had executed. However, I would continue to receive emails about her late payment status and other obligations within the lease required compliance. Without success, I have telephone and written letters to the property management company. XXXX XXXX property management continued sending late payment notices. At some point, in an email response, the building manager stated that I am responsible for any successive lease obligations because the initial lease where I became a co-guarantor is " controlling. '' I notified my State 's ( Tennessee ) Consumer Affairs ( housing ) division. The Housing division informed me, the State has no jurisdiction over " private housing. '' On XX/XX/XXXX, I received a " Collections letter '' from " LTD Financial Services, '' of XXXX, TX XXXX. My daughter moved from XXXX XXXX complex in XXXX. She informs me that she did have a damage fee assessment for her dog, but she paid it. In the one year that I did act as co-guarantor, she did not have a dog. Notwithstanding, between letters, faxes, and the time thus far I have spent, in attempts to have my name removed from XXXX XXXX property management database, moreover, delete me as a co-guarantor, has unwarrantedly damaged my credit rating.
Consumer complaint received 2021-03-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Blitt and Gaines, P.C. (IL)

To whom it may concern, Account # XXXX No. XXXX XXXX XXXX I have been getting harass and threatened to be sued by Blitt and Gaines P.C Attorney at Law about a debt that I have asked to be validated multiple times which they have come back with bank statement in which under the fair debt collection practices is not enough. 

In addition I also checked my credit reports and this account number does not show as any negative account in my reports. 

I will attach all the documents that I have sent to them with all the dates and tracking number proving that they have received all my letters.
Consumer complaint received 2021-03-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (PA)

I was unable to continue to pay my rent and voluntarily moved out of this residence. I contacted and closed my electric account and was told that the service would be transferred into my landlords name. It was not and I was unaware that I was still being billed, even after an order of possession was grated to my landlord I was still being charged for electric services. I have attached the Court information and can provide additional information proving I moved out of this residence and I am not responsible for the excess billing at this address.
Consumer complaint received 2021-03-17
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: EQUIFAX, INC. (CO)

Hello i am very distressed to inform you about the inaccurate reporting and violation of federal law that i have single handedly been dealing with, I sent in my dispute in 47 day ago ( XXXX ) and have still had no type of response. I feel as if i deserve more respect and common decency that i am obviously not receiving. I have informed each bureau that In these letter I quote According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I would also like to bring to your attention that according 15 U.S. Code 6802 ( a ) A financial institution may not disclose any non public personal information to a non affiliated third party company without my consent. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I would appreciate these accounts being removed in a timely manner, thank you
Consumer complaint received 2021-03-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Better Mortgage, Inc. (CO)

Refinanced through Better Mortgage, which took almost 4 months, they forced me to make repairs that didn't need to be made ( cosmetic siding issues ), they refused to listen to the tenants currently living in the units when they said things were working ( wall heaters ), and forced me to pay have a handyman go out to ensure they were in fact working, because they couldn't trust the people living there. They sold my loan to XXXX in XXXX, I received the notification after I had made a principle only payment to them on XXXX ( the overpayment of the loan, I wanted to put back on the principle ). Multiple emails stated I could not make any more payments to current servicer ( Better/TMS ) and all payments would be transferred before the payment was due XX/XX/XXXX. XX/XX/XXXX I called when the loan wasn't transferred, was told to wait until XXXX, still didn't show up, I had to call XXXX to make a payment on the account. Again email on XX/XX/XXXX saying the payment is still transferring, and it would be in there by XX/XX/XXXX. Still no payment transfer today, more than 5 weeks after it was drafted out of my bank account. I am still paying interest on the principle which should be {$1700.00} less. Better refuses to answer any questions.
Consumer complaint received 2021-03-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Solidifi US, Inc. (FL)

closed on a home loan back in XXXX of XXXX. Now in XXXX of XXXX, the mortgage company is harassing me to get some documents signed that were NOT signed by the 3rd owner of the property. The mortgage company has threatened to " unwind '' the loan if the documents are not signed within the next month. they also threatened to charge me {$600.00} to get a notary to go and get the 3rd owner to sign. I feel that they should NOT have closed or funded the loan until all the documents were signed. I further feel that its NOT my responsibility to get the documents signed.
Consumer complaint received 2021-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (SC)

I sent Equifax inquiry dispute and they didnt come back within the XXXX to 45 day According to the fair credit reporting it if they dont respond within XXXX to 45 day mark weather inquiries or factual or unauthorized It doesnt matter because if they dont respond within a XXXX to 45 day mark inquiries must be deleted by law And they have not been deleted yet its been longer than 45 days they keep coming back after 45 days saying incorrect information my next step is to go to the federal trade commission if these inquiries are not delete it because Equifax is not following the law that gives them 35 to 45 days to respond And they are not following that law I sent my dispute in XX/XX/2021 and they came back With False information on XX/XX/2021 they keep giving me the runaround behind the inquiries and theyre not following the law they must delete it because its the law according to section 609 of the fair credit reporting act they have not provide any proof of my inquiries nothing bearing my signature Also Anything unverifiable or in accurate must be deleted the inquiries are inaccurate and unverified because they sent me nothing bring my signature according to 609 Section 609 of the fair credit reporting act so because of this this also must be deleted And if the inquiries are factual send me Proof