davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-13
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: Bread Financial Holdings, Inc. (CO)

I have a Comenity / Bread XXXXXXXX XXXX XXXXXXXX. They offer a promotion for any season ticket purchase over {$250.00} you have 6 months no interest promotion period. I made my season ticket purchase with the XXXX XXXX for {$4800.00}, directly with the XXXX XXXX ticket office. When the charge posted to my account there was no promotional period. I spent over a week going through their online chat to try to find out why it wasn't added with a promotional period. They eventually determined it didn't have one, even though it clearly states on all of the marketing literature that a promo exists. 

I then called them, spoke with two different supervisors ( the last of which was very rude and aggressive ) and the only thing they could offer was to dispute the charge in order to have it added to the promotion. The dispute takes two weeks and the balance on the card is due in a week and a half. They are essentially forcing me to pay the card in full to avoid interest charges since the dispute won't be complete until after the payment due date. 

This is very misleading and I still never received an answer as to why the promo period is being advertised but not honored.
Consumer complaint received 2024-08-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (TN)

I am the executor and sole beneficiary appointed in the Last Will and Testament of my late fianc and, the probate Court In our County He had stated to me that if anything happened to him, that the mortgage would be paid. I called Wells Fargo to inquire about this and what I needed to do. I was told quote. " I don't think we can do that because it's in bankruptcy. '' It was not. I also called the insurance company XXXX XXXX. And was told by the agent that wrote the policies " Get me a policy number '' and hung up on me. I again call Wells Fargo and was informed by an insurance dept representative that I had cancelled the mortgage insurance. The policies were not renewed in XXXX the decedent died on XX/XX/XXXX ; at which time the policies were in force for another year. I have asked for the insurance documents which I have been denied as beneficiary the Successor in Interest and as Executor of the estate. I filed a complaint with Wells Fargo about this and the estate issued a subpoena to XXXX XXXX. The documents provided included Reinsurance endorsement letters from Wells Fargo to XXXX XXXX. for the years. XXXX. XXXX. XXXX. XXXX XXXX XXXX and XX/XX/XXXX. After I requested the insurance documents, I filed the complaint with Wells Fargo, an executive representative responded in writing to the complaint stating that they had never sent any letters to anyone or any insurance company about the property and there are no letters like I had referenced. This was untrue as the subpoena proved. see page 2 & 3. According to the servicing rights from Wells Fargo about consumer reinsurance endorsement. consent. it states that the insurance endorsement does not cover homeowners or hazard insurance that protects the dwelling and your personal property. It covers your mortgage or Title insurance, see page 1 These letters from Wells Fargo ask that a reinsurance endorsement be issued for these policies if they do not meet a certain financial rating. I have been denied my rights as beneficiary and Executor. I was not told I could assume the loan without qualifying or refinancing the loan as I inherited. The law also states that the lender treats the Successor in Interest as if I were the borrower. This too has been denied me. Wells Fargo Bank NA has not been untruthful and deceptive regarding the wrongdoing perpetrated on the Estate and me.
Consumer complaint received 2023-04-18
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. (CA)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC 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. Please delete the account : XXXX XXXX XXXX Date Opened : XX/XX/18 Balance : : {$0.00}
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Re : Request to Delete Inaccurate Credit Information To Whom It May Concern : Upon reviewing my credit report, I have identified the following incorrect item ( s ) : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
In accordance with the regulations outlined in the Fair Credit Reporting Act, I hereby request an investigation into these items and their removal from my report. I am aware that you are obligated to verify the accuracy of these items with the relevant creditor. Please eliminate any information that the creditor is unable to substantiate. I am aware that, as stipulated in 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter. 
Kindly provide an updated copy of my credit report to the aforementioned address. As per the act, no fee should be charged for this updated report. Additionally, I request that you notify any recipients of my credit report in the past six months regarding the corrections made. 
I appreciate your time and assistance in resolving this matter. 
Yours sincerely, XXXX XXXX
Consumer complaint received 2024-07-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC. (MN)

On XX/XX/year> XXXX XXXX froze both my checking and savings accounts. I sent notice of exemption from garnishment on the same day. I receive public benefits, and per Minnesota Law, I am exempt from wage garnishment. I receive SNAP and XXXX XXXX, currently and prior to garnishment of my funds. Today, XX/XX/year>, XXXX XXXX combined the balance of my checking and savings, and issues a levy check to the Attorney representing the collections account, despite my sending all required proofs on XX/XX/year>. I filed a complaint with my state consumer protection, who directed me to this department to file an additional complaint.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX {$1800.00} XXXX OF XXXX **** XXXX {$380.00} XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX {$9800.00} CAF XXXX XXXX {$21000.00} XXXX XXXX  XXXX Balanced {$0.00} XXXX XXXX XXXXXXXX {$1500.00} XXXX XXXX Balanced {$4200.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-06-21
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ALLY FINANCIAL INC. (TX)

In XXXX I woke up to my XXXX XXXX XXXX  gone from my parking lot at this time I was only one month behind but had called the company and opted in for the covid19 skip a payment program I was told everything was taken care of and that payment would be put on the end of my loan. After I realized my vehicle was gone I called the loan company and spoke to a very rude woman who informed me I had not returned my signed documentation for the program which was supposed to be sent and returned via us postal service, I informed her i was never told of such details and hadn't received such said documents nor was informed from anyone in the company spoke to told me such. She then informed me that all calls were recorded I asked for the recording and she told me she would review it and get back with me but in the meanwhile to get my car back I would have to pay the full loan amount of {$24.00}, XXXX  I told her i had the amount of the missed payment she then laughed at me and told me I could go get the belongings out of my vehicle at said location. I never heard or spoke to anyone at that company again.
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: AMERICAN EXPRESS COMPANY (FL)

I was assured and guaranteed that the reporting history of both credit cards would be gone and match when the settlement proposed by Amex was paid in full and satisfied. 
The XXXX card history was deleted as agreed however the blue XXXX card still had the reporting showing on my account. Amex stated they sent the update containing no payment history its on the credit reporting company. The bureau stated the update must say no history reported or to history no longer applies. Ive stated this over two months and said it would be investigated and updated, they said they are going to update and still no update. They already required my credit out of the blue cancelled all my cards, claimed I never paid a settlement and harassed me for month about paying a settlement I already paid and continued to report incorrectly. I just want this finally done and gone its cost me my company a mortgage everything. Please can you help me get them to delete as they promised and agreed the payment history on the blue card
Consumer complaint received 2024-07-05
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. (FL)

XXXX XXXX XXXX Account XXXX XXXX i took a second look at my credit report and i nocticed that this account above is still not reporting accurately. I 4 late payments on account that was in fact paid on time. The consumer reporting agenices need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates. Experian reports XX/XX/year> 30 days late, XX/XX/year> 30 days late, XX/XX/year> paid on time, XX/XX/year> 30 days late XXXX paid on time. XX/XX/year> 30 days late, the rest of the year the data is unavailable. XXXX reports XX/XX/year> 30 days late, XX/XX/year> 30 days late, XX/XX/year> paid on time and XX/XX/year> also shows paid on time but for the rest of year shows data unavailable. XXXX reports XX/XX/year> 30 days late, XX/XX/year> 30 days late, XX/XX/year> paid on time but the rest of the year shows data unavailable. I'm reguesting that you reinvestigate and provide verifiable proof with records showing that i had late payments. If this information can not be verified, I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

This item is not accurate and it not complete, How can you have the item charged off again in XX/XX/XXXX after the item was already charged off in XXXX and paid and closed. Please remove this item, due to everything is not accurate and not complete. A compliant to the CFPB will be issued for reporting inaccurate information. 

XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

This item is not accurate and it not complete, How can you have the item charged off again in XX/XX/XXXX after the item was already charged off in XXXX and paid and closed. Please remove this item, due to everything is not accurate and not complete. A compliant to the CFPB will be issued for reporting inaccurate information. 

XXXX XXXX XXXX
Consumer complaint received 2023-03-12
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: EQUIFAX, INC. (GA)

My name is XXXX XXXX, an agent for a principal, XXXX XXXX a federally protected consumer, holder in due course, and attorney in fact. It has been brought to my attention that I have been a victim of identity theft. I am aware that my consent is needed to publish any non-public personal information on me. Because I never gave ANY implied consent to furnish anything on my behalf. No consent is alleged identity theft. I am also aware that as a consumer reporting agency, you are obligated to block the reporting of any information [ my personal non-public information ] in the file of a consumer that the consumer identifies as information that results from alleged identity theft. 

Delete and block the following accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMEX- XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete the following inquires XXXX XXXX XXXX  XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Synovus Bank (NC)

I had opened a First Progress Secured Credit Card on XX/XX/XXXX. Since having the card, I have had perfect payment history, as this card is advertised as a " great card for credit rebuilding ''. 
On XX/XX/XXXX I had used the card to make a purchase of {$510.00} ( I had a {$1000.00} limit ). 
On XX/XX/XXXX, I had used to the card to make a purchase of {$79.00}. 
On XX/XX/XXXX, I made a payment to First Progress for the entire outstanding balance of {$590.00}. 
On XX/XX/XXXX, First Progress closed my account. They said they had sent me a letter asking for proof from my bank that I sent my payment ; a letter which I never received. They did not call me from customer service either. 
On XX/XX/XXXX, I had called First Progress Customer Support, to inquire as to why they would suddenly close a " secured credit card '' account without notifying me. Their explanation was that " I didn't reply to their letter within the required period of time ( the letter which I never recieved ), and for " security reasons '', my account was closed. 
When I then inquired about the refund of my {$1000.00} deposit, they informed me that it would be mailed to me. They told me that this process takes up to XXXX weeks!!! I find this totally unacceptable for several reasons : First, this will negatively impact my credit score by lowering my age of credit, as well as 3 years of perfect payment history, Secondly, I no longer have this {$1000.00} of credit available, Third, taking XXXX weeks to refund my deposit seems almost " criminal '' to me, as I know that First Progress will be keeping my security deposit in an interest bearing account and making money and profit off me in an underhanded manner ; I asked for them to expedite the repayment of my security deposit and as told that I would have to contact their " back office '' as ask for them to expedite my repayment, however they did not guarantee in any decrease in this XXXX week wait for my refund. 
Lastly, this is going to negatively effect my credit by lowering my age of credit, available credit and overall payment history.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK (AL)

Called today, XX/XX/year>, at XXXXXXXX XXXX XXXX XXXX, asking for proof of my posted balance that was debited from my account. The person refused at all times to send me proof of how much I owe and the posted balance.
Consumer complaint received 2024-08-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (PA)

I received notice from MOHELA on XX/XX/year> that, due to a federal district court stay of the SAVE plan, my loans would be placed into forbearance AND my time in forbearance would not count toward the PSLF that I am seeking. The letter stated that if I wanted the time to count and not be placed in forbearance to call their customer service number to discuss repayment options. I called the same day. I was told that I could not apply for another IDR plan at this time, because DOE was not processing them. My only option to have my time counted toward PSLF until this stay is lifted is to place myself on the " level 10 '' plan. This repayment plan would increase my monthly payment by over {$1000.00}. I can not afford that increase. They did not provide any copies of the Court decision or DOE decision regarding the time not counting toward PSLF and/or the inability to process IDR applications at this time.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (PA)

SYNCB/ HOME DESIGN CREDIT CARD EXTENDED ME CREDIT FOR PURPOSE OF GETTING MERCHANDISE. I MAINTAINED GOOD PAYMENT NEVER LATE OR MISSING ANY PAYMENT SYNCRONY CLOSED MY ACCOUNT WITHOUT ANY CONVERSATION OR LETTER INFORMING ME OF THERE INTENTIONS. I REACHED OUT TO FIND OUT WHY THIS ACCOUNT WAS CLOSED THEY INFORMED ME THAT ANOTHER CONSUMER REPORTED THAT THEY SHOULD CLOSE IT OUT. I EXPRESSED THAT CLOSINGA GOOD ACCOUNT WOULD AFFECT MY CREDIT AND SCORE. THEY SAID THEY HAVE ECERY RIGHT TO DO SO I INFORMED THEM THAT WE HAVE A ( LEAL CONTRACT WHICH WAS USED TO OPEN THIS ACCOUNT AND IF I MAINTAINED THIS IN GOOD STANDING IT WOULD BE REPORTED AS SO. IN DOING SO IT STARTED A RIPPLE EFFECT MAKING MY SCORE DECEASE AND KEEPING ME FROM GETTING OTHER OFFERS OF CREDIT. THIS IS A VIOLATION OF ARE AGREED CONTRACT IF THEY CAN WILLINGLY CANCEL MY CONTRACT THEN THIS MAKES A CONTACT VOID.AND THOSE ALL AGRREMENTS NO LOGER BINDING SO I ASKED THEM TO REMOVE THE CREDIT REPORING ACCOUNT SICE IT WAS THERE REASON TO CANCEL THE CONTRACT THEY REFUSE ( BREACH OD CON TRACT ).
Consumer complaint received 2024-06-28
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (NV)

I went to the ATM machine at XXXX XXXX  in XXXX NV on Wednesday night and requested to withdraw {$500.00} from my checking account. The machine said on the screen, reversal check balance. It never dispensed the money and gave me a receipt that says " Transaction not approved Error code XXXX '' I checked my account and saw the money was deducted from my account. I could not file a dispute for 2 days waiting for the transaction to settle. I filed the dispute, with a copy of the receipt and I got a email back from chime saying their investigation was complete and that no error occurred and they were not going to reimburse the funds.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MA)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX