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

My account with XXXX XXXX XXXXXXXX XXXX  XXXX never late! I have had exceptional payment history with capital XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXXXXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-07-30
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (MA)

nothing happened to me personally, however, I feel something needs to be done about the tjmax company advertising over their loudspeakers for shoppers to save 25 % on their purchase by opening a tj max card ... ..what they dont tell the shoppers is the interest rate on the tj max card is 31.99 % on outstanding balances which the majority of their customers carry. The employees that sell the tjmax card don't even know the interest rate on the card, it's printed in the brochure the customer is given when they open the card, but no ones read it. 31.99 %? really... tjmax should at least have their employees know the interest rate and explain how a credit card works
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I just recently looked at my credit report XX/XX/year>. I saw some hard inquiries that did not have permissible purpose. i also attached evidence XXXX XXXX XXXX XXXX XXXX  This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b XXXX. XXXX XXXX XXXX  XX/XX/year> This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b
Consumer complaint received 2022-04-09
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. (PR)

On XX/XX/XXXX I contacted Transunion about the following negative accounts XXXX XXXXXXXX XXXX ( Account Number : XXXX, Date Opened:XX/XX/2017, High Credit : {$5000.00} ), XXXX XXXX  ( Account # XXXX, Date Opened : XX/XX/XXXX, High Credit : {$72000.00} ), XXXX ( Account XXXX : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$15000.00} ), XXXX XXXX XXXX  XXXX ( Account number XXXX, Date Opened : XX/XX/XXXX, Balance : {$120.00} ), XXXXXXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$360.00} ), XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$180.00} )XXXX XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$2400.00} ). Its been over 45 days and Transunion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2024-08-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On Friday XX/XX/2024 I applied for a Home Equity Line of Credit with Bank of America, and within XXXX minuets of completing the application I was inundated with calls from mortgage companies calling to ask me about refinancing my mortgage or getting a HELOC, to the tune of as of XX/XX/2024 XXXX different lenders. I am deeply concerned because XXXX weeks prior I applied for a HELOC with XXXX XXXX and the only call I received was from my existing mortgage company. I want to know what on earth Bank of America did that would alter all of these companies to first of all have my cell number and secondly alert them that I was even interested in getting a HELOC. They can't tell me that these companies were alerted because of a credit pull because XXXX XXXX pulled my credit XXXX weeks prior and I did not receive any calls, yet they pull it, and my phone has not stopped ringing. Did they sell my information? The only reason I applied with BOA was because I thought the rate was going to be better than XXXXXXXX XXXX based on what I saw on the website, but it was higher, so I backed out of the loan request, trust me had I known this was going to happen I would've never applied with BOA. I am both angry and sadden that his has happened to me and I want answers as to why it has happened and if this is happening to others than BOA needs to be held accountable and if they are selling my information without my knowledge than shame on them!
Consumer complaint received 2024-08-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: ACIMA CREDIT, LLC (TX)

I havent been credited for the refund from XXXX and they also have deceptive practices because I was reading the lawsuit information and I have paid off items and it was much more than 90 days same as cash.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MD)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2023-08-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NC)

I have met the requirements to receive XXXX AAdvantage miles on a citi checking account offer. I was previously told I would receive those miles on XX/XX/2023. I am still without the XXXX AAdvantage miles.
Consumer complaint received 2017-01-29
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY (MT)

I went in to an XXXX store in XXXX, XXXX on the weekend of XX/XX/2017. I was visiting from my home in XXXX. I purchased an item, a briefcase bag. There was no sign displayed detailing a return policy of any sort. I left with the bag. When I got the bag back to my hotel, I noticed a split in the leather at the point where the bag would bend. The next day, I took the bag bad to a second XXXX store because it was closer to my hotel and I was leaving on the plane that day. They told me that they had a special return policy where I could only exchange the bag. Being from XXXX, and afraid that my replacement bag would break in the same way as well, I declined. I next called American Express, my credit card. The agent told me that they could not do anything for me until the charge posted, but that I had purchase protection should the merchant not allow me to return the bag. I was then transferred to the American Express Insurance Company. I stood there at the store counter and filed my claim. The Amex representative told me that my defective bag was eligible for coverage up to 90 days and other plan and claim information. As I was doing this at the store counter, the store manager was listening to me file a claim. He said it was not their store policy but that he would give me a gift card instead. I ASKED the Amex Representative about this, because I did not want a gift card. I live in XXXX, there are no XXXX stores there, I can not use a gift card there. He said very little, just that I could accept a gift card in exchange for the bag. He said nothing about how this would impact my claim for insurance. He still said my claim After speaking to the representative, I left the store with the gift card instead of the defective bag upon the advise of the American Express Insurance representative. American Express Insurance subsequently denied my insurance claim on my credit card because I do n't have the bag. I feel cheated, tricked, and misled by my own credit card. The agent never once told me that I should hold on to the defective bag instead of taking the gift card. He instead told me I could take the gift card and failed to ever mention that it would invalidate my insurance claim that he was filing for me. I subsequently called back and another agent told me " I should have know that a gift card was an excluded item. '' The American Express agent actively led me into a circumstance where they would not have to cover my purchase to their benefit and my detriment.
Consumer complaint received 2024-08-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (PA)

I received information ( letters ) from the collection agency stating that they are servicing an alledged account that I dispute in its entirety. 
Their response to my dispute that I submitted via CFPB. Again, I am requesting in accordance with Section 1006.34 CERTIFIED PROOF that I received a copy of the letter because I will sware under oath that I never received it and via CFPB portal is the first time I laid my eyes on it. Therefore, I want in accordance with the aforementioned LAW that I received it. 

I demand PROOF that they sent me notice regarding this alledged debt that I dispute in its entirety. 
I want the entry to be DELETED from ALL credit reporting agencies that they are illegally reporting to. If this information is not removed then I could care less that they retain {$300.00} - {$500.00} hourly for attorneys to defend the agency ( s ). 
I will be seeking compensation for your illegal actions if I am forced to. 
Additionally, I am requesting in accordance with the Gramm-Leach- Blilley ( 6802 ) act that the Financial Institution that alledges they have a right to transmit my NON PUBLIC PERSONAL INFORMATION will have to prove it. 
Additionally, I am requesting that I be provided with proof that the Financial Institution regarding this alledged debt in accord with the Gramm-Leach-Blilley-Act ( GLBA ) furnish me with an intial private policy notice as well as annual privacy notice during my alledged tenure as a customer provided under ( GLBA ). 
As an alledged customer Financial Institutions can be held liable for failing to provide these notices to customers and fined {$10000.00} to {$100000.00}. I am requesting this information since you are alledging I owe this debt to a Financial Institution at some point. 
Financial Institutions must adhere to such regulations and are deemed Financial Institutions in accordance with Title 12 1843 ( k ). 
I was never a customer and demand you prove it. I also am requesting a copy of the PURCHASE AGREEMENT regarding this alledged debt between the parties purchased the account and alledged ORIGINAL CREDITOR.
Consumer complaint received 2023-08-29
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: CITIBANK, N.A. (NY)

My credit card information was used to make payments at a hotel on another state. I disputed the charge over 60 days ago. Citibank provided receipts of the transaction showing a name of another person that I do not know. I contacted Citibak stating that I was not the person on the transaction receipt and do not know who the person named in the receipt is. A person named XXXX XXXX is on all the receipts. I have never met nor do I presently know who this person is.
Consumer complaint received 2016-05-15
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (CA)

I specifically made XXXX purchases the last day of my billing period for my American Express in order to reach the XXXX purchases required to get 20 % extra benefits for that month. For some reason, even though I did all three purchases back to back for different things online, only XXXX posted that day and the third did n't post until the next day so it shows that I only got to XXXX with the third counting towards the new cycle. It was a big spending month which is why I made that extra effort to get the additional points by making those purchases. On the phone they told me that because my purchase was done in California on XXXX XXXX but Mountain Time XXXX XXXX, it counts as XXXX XXXX because there is a clause that says this somewhere in the cardholder agreement they sent. HOWEVER I just got off the phone with XXXX to see what time the purchase was actually made, since the customer service rep at AMEX was telling me it was past XXXX Mountain Time, and she informed me it was made at XXXX on XXXX XXXX Pacific Time. That also makes sense why the other XXXX purchases I made right before that XXXX were in the billing cycle I wanted them in and not the XXXX XXXX one. I bought those within less than thirty minutes before the XXXX purchase. And just to add to this, on their website ( AMEX that is ) it says on the page that shows your rewards progress : " To count purchases for this benefit, we use the date of the purchase. For example, if you make a purchase on the last day in your XXXX billing period, it might not post to your account until your XXXX billing period. If this happens, the purchase still counts towards your XXXX billing period. '' That is proof I am at least owed that purchase counting for XXXX XXXX and not XXXX XXXX which would put me at the XXXX purchases I need for the rewards benefit.
Consumer complaint received 2019-04-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (OR)

Got approved for loan modification with prior servicer, XXXX XXXX XXXX in XX/XX/XXXX, made my 3 trial payments on time, then told I got paperwork in too late and would need to submit loan mod request again which I did in XX/XX/XXXX. Approved again in XX/XX/XXXX after I made my regular payments again for several months and was waiting for mod package in mail when this servicer, XXXX sold my loan to Shellpoint. I contacted Shellpont in XX/XX/XXXX and was told by my point of contact, XXXX XXXX that yes, Shellpoint would honor my prior loan mod. A week later, XXXX XXXX took over from XXXX and said no, we will not accept the prior loan mod, you need to submit new one. On XX/XX/XXXX from my bankruptcy attorney 's office, we faxed and emailed a Shellpoint form of loan modification request. I've called and called and no one has gotten back to me. Then a couple weeks ago I received a notice of change of servicer from Shellpoint to XXXX XXXX! It's been over 30 days with no response to my mod request. Also, when I called last week to inquire about it, I was told the loan will be sold on XX/XX/XXXX, so there is nothing we can do! I can not afford the payments of {$870.00} a month. The modified amount I was paying last year to XXXX was only {$520.00} a month. The servicer has been changed 3 times since XX/XX/XXXX.
Consumer complaint received 2023-10-26
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: FIFTH THIRD FINANCIAL CORPORATION (FL)

On XX/XX/XXXX, XXXX fraudulent transactions showed on my credit card account with Fifth Third Bank, transactions I did not make, those transactions sum a total of {$4300.00} dollars, now more because they have been charging interest and fees since then, At that time I informed the bank about them and they initiated an investigation, the result of this investigation resulted in a denial of the claim stating that the card had been used phisically through the XXXX chip on the card and that the technology can't be duplicated by criminals, at the moment and as I did not make those transactions, I filed a complaint with the cfpb, so this is my second complaint, I filed another complaint with the Florida XXXX attorney, and I went to the police where they filled a report about the case, I wrote XXXX letters explaining the bank that they were wrong, I have been in this country for 17 years, never being in a kind of debt I was not able to pay, so my XXXX XXXX was very good since then, affected XXXX points now for this matter, It is totally unfair for a family or any individual with the honesty I was grown up to be quite and not stressful with this situation, Police departments hadn't been any helpful in trying to investigate the matter as It should be, I went to place where transactions were made and the guy who is the only person and owner of the place doesnt want to give any invoice or camera records from that day to know who made those transactions with my identity, someone called the bank using that information to give a false td bank account which I dont have, It is really dissapointing how the finantial system is taking these fraud cases and passing those charges without any further investigation, and affect the finantial system trust of consumers, I am proceding to close the rest of my credit card accounts, because if you can't trust in the system is really risky, this has affected my normal daily life, the quality time I should spend with my daugther and family, nights of bad sleeping just with the worry that I should pay for something I didnt buy, I get up early in the morning every day to take a better life to my family, and with a lot of effort we try to give a better life to our daughter and being scammed in that way is not fair, I ask to Fifth Third Bank to take my XXXX XXXX as it was and inmediatly to take all those fraudulent charges out my account with them and my finiantial history.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2022-04-09
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. (PR)

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$4800.00} ), XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$330.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2019-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

My correct DOB is not reporting on my credit report. 

XX/XX/XXXX Multiple addresses are reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.