davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-08
Product: Credit 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 (CA)

I applied for amex 's platinum credit card through a friend 's invite link on XX/XX/XXXX. After I clicked on the link, the webpage showed that I could get a welcome offer of XXXX points if I spend {$8000.00} within 3 months, so I applied for the card and called the amex customer service number to confirm after submitting the application, the staff on the phone told me that I did meet the requirements and sent me the credit card in the mail. Within a month of receiving the card, I had spent {$9000.00}, which qualified me for the welcome offer, but I had not received the XXXX points. 

I spoke to the online customer service and was told that the system logged me as agreeing to give up the welcome offer, which I thought was unbelievable, there was no way I would give up my welcome offer! So the customer service agreed to start an investigation for me. However, when I asked for the result of the investigation, they told me that they could not find the call history and therefore I could not get the welcome offer, but I had made the call and I was able to provide the screenshot of the call history. 

I believe that amex is committing fraud by soliciting customers through advertisements and then denying it when they make good on their promises and can't provide any evidence. As a consumer, very passive and helpless, I feel cheated.
Consumer complaint received 2023-11-13
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. (GA)

Experian has deleted an account transaction from XXXX XXXX XXXX on XX/XX/2023 and has reinserted the information on XX/XX/2023. Experian failed to provide certified proof of the information that was allegedly verified. 

I have first hand knowledge that the account transaction is inaccurate and has been furnished and reported without any authority or written consent from me. 

Experian 's negligence is hindering me from obtaining credit for personal and household purposes. 

Please see attached.
Consumer complaint received 2023-11-07
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Sunbit, Inc. (TX)

Hello, I have send a Certificate Letter to this 3 companies on XXXX XXXX  : A ) XXXX XXXX XXXX : Personal Loan, Amount {$5000.00}, Amount Owe {$3700.00}, Original Debt to XXXX XXXX, they sell this debt to XXXX XXXX XXXX XXXX 
B ) XXXX XXXX XXXX Original Debt to XXXX  Amount {$1100.00}, they sell this debt to XXXX XXXXXXXX, Amount Owe {$340.00}. 
C ) Sunbit Credit Card : Amount Owe XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  I have not heard from neither of the 3 Companies regarding the Hardship Discharge that I requested from them. 
For your information, all the above mainly because I am experiencing a Severe Financial Hardship. I am a XXXX that lives today from my Social Security Check, that is all my monthly INCOME.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

XXXX XXXX XXXX, I sent the attached letters to all three credit bureaus showing the inaccuracies between the three of them. As FCRA says i have a right to a fully accurate credit profile, I requested the accounts attached be deleted from my credit profile. Additionally, I requested a letter of validation with my WET SIGNATURE on the documents. I additionally received documents which did not contain them. Finally, I also requested information showing they are legally allowed to collect debt in the state I reside. I also did not receive this information as well. This letter was sent on XX/XX/2023. My follow up letters were sent XX/XX/2023
Consumer complaint received 2023-11-13
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. (LA)

I recently checked my report and I seen that I had unauthorized inquires on my account. I am a victim of identity theft. I have no knowledge of these inquiries. Theses inquires must be removed no later than 4 business days as per U.S. Code 1681c-2.
Consumer complaint received 2023-11-13
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: NAVY FEDERAL CREDIT UNION (NY)

I am writing to dispute a hard inquiry that appears on my credit report, which is unauthorized and inaccurate. Upon reviewing my credit report, I noticed this unauthorized inquiry : NAVY FCU XX/XX/2023
Consumer complaint received 2023-12-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TN)

I created a paypal XXXX for my university fees https : XXXX once I had received donations paypal froze my account with XXXX USD! 


I got an email that they will release my funds after 120 days! but the time has passed and when I try to withdraw my money it says NOTHING IS THERE TO WITHDRAW! THEY JUST KEEP MY BALANCE OF XXXX USD!
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I am writing to formally request that accounts refrain from sharing my personal information with third-party agencies and organizations, pursuant to the rights granted to consumers under the Gramm-Leach-Bliley Act ( 15 USC 6801-6805 ). I have attach a previous letter that Ive sent the creditor in writing. Any further refusal of my request will result in legal action. Thank you.
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Consistently, I've maintained timely payments on this account, preventing any instances of overdue bills. However, I'm uncertain about the rationale behind the late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be rectified.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

Equifax did something wrong. Its been 1 year over they did not let me get my credit report. When I tried to go on the Equifax website its keep showing me the word XXXX They dont allow me to Acess my credit report at all. 
I did call Equifax to fix this problem but they didnt fix it right.
Consumer complaint received 2024-04-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Personal Information that are being challenged Incorrect 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 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 XXXXXXXX PLEASE BE REMINDED BY THIS LAW/VIOLATION : Under 15 U.S.C. 1681 Section 602 A, I am entitled to privacy. According to 15 U.S.C. 1681 Section 604 A ( 2 ), a consumer reporting agency is prohibited from providing an account without my explicit written permission. Additionally, 15 U.S.C. 1681c ( a ) ( 5 ) stipulates that no consumer reporting agency may include in a consumer report any negative information, other than criminal convictions, that predates the report by more than seven years. Finally, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or should reasonably suspect that the information is inaccurate.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-11-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

Ocwen declined us for a loan modification in XX/XX/2018. In XXXX we moved out of our house due to the fact the loan adjusted to a higher payment and we could not afford the mortgage. We also owe more than it is worth. In XXXX we put our home on the market for sale. We have had many showings, and submitted an offer for short sale. For the past 3 weeks we have tried to submit the offer with our Realtor for short sale. Ocwen has refused to give us a straight answer and will not place our offer in review for short sale, or order an appraisal to begin the process. We do not want to drag this short sale process out and have our credit destroyed. Ocwen is being dishonest and doing everything they can to create a foreclosure. When we were declined for a modification Ocwen told us we were qualified for a short sale to avoid foreclosure, now Ocwen is lying and being very dysfunctional.
Consumer complaint received 2018-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

Chapter XXXX bankruptcy is invalidly reporting on credit bureaus have contact them to get it removed and all three major credit bureaus refuse to remove it. Along with bankruptcy the following accounts need to be removed : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX these are not my accounts they are on my report as a result from ID Theft ; credit agencies also have copy of police report and ID Theft Report # : XXXX.
Consumer complaint received 2023-08-31
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. (FL)

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 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I WANT WRITTING TO DELETE THE INFORMATION FROM MY FILE. THE ITEMS I DELETED ARE LISTED IN THE REPORT I AM A BIG TEAM OF IDENTITY THEFT AND I DID NOT MAKE THE CHARGE. I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSION AND I ALSO HAVE ENCLOSED COPIES OF THE FEDERAL TRAY, COMMISSION IDENTITY, THEFT, AFFIDAVIT. PLEASE DELETE THIS ITEMS ASSOON AS POSSIBLE.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Certegy Holdings, LLC (TX)

On XX/XX/2024 I went to XXXX in XXXX TX off XXXX XXXX. I brought in a State Check ( Government Check ) That was made payable to me from the State of Texas in the amount of {$2600.00}. The clerk asked for my Drivers License, and My Social Security Number. Which I typed in. After he ran my social and scanned my license he put the check in and the check was immediately declined to cash. This is a guaranteed check there is a number on the back of the check which you can call the State Comptrollers office and verify the funds of the check. However he printed a receipt and told me it was Certegy who BLOCKED Me from cashing the check he told me to call Certegy to find out why they won't let me cash the check. In the past and current I am a victim of Identity Fraud. I have never written any bad checks, nor have I had any cashed checks past or present that have been returned after cashing. I have not written any hot checks. My check book previously was stolen with my bank and I reported those checks to XXXX As fraud. XXXX XXXX went ahead and took care of those checks. They are marked as Forgery. This is not the first time I have tried cashing a check Certegy has blocked me from cashing a check before with XXXX. I definitely feel like this is not fair treatment, Just because I am a victim of Identity Fraud, Does not mean I have committed any type of crime. Certegy Previously blocked a check last year I tried cashing at XXXX again for the same no reason provided. To call Certegy and when I call they can't give me any information. I am requesting my consumer report from this agency as a credit reporting agency. I also want any checks that were returned that WERE STOLEN AND WRITTEN Fraudulently to be closed as IDENTITY FRAUD, Forgery. I also want to know what Certegy has flagged on my SOCIAL And Drivers license, as nothing they could have possibly reported would be collectable. I have never received any notices from this company and I should be allowed to cash my own checks. This is not a personal check this is a GOVERNMENT Check. Written from the State Comptroller. This is a valid check, and Obviously Certegy has me flagged in their system to auto decline. I want this inaccurate flag removed from my information immediately I also want an apology for causing me financial loss by declining my checks.
Consumer complaint received 2024-03-12
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC (FL)

This company repossessed my car XXXX of XXXX, and again I never received any correspondence about the repossession or sale of the vehicle, further I had this vehicle since XXXX of XXXXan they replied it XXXX of XXXX it was a XXXX loan an I had it for 55 months but the balance iI owed at the beginning of the loan was the same at the end of the loan, they say they sold it for XXXX with left me with a deficiency of XXXX dollars which can not be correct after all that time and also even though they repossessed my vehicle in XXXXthey continued to report it on my credit report until XX/XX/XXXX
Consumer complaint received 2024-01-10
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (FL)

I have already filed a XXXX  report to help get this resolved but no response, no response to my calls or messages and when I went to the property I was told the manager is not In and will reach out. Took my information and that was all they stated they could do as they did not have corporate info to provide. 
I shouldnt have a balance due except for the water and sewer bill, but Im being charged over {$500.00} for being in the unit 1 day for the month XXXX as I turned my keys in on the XXXX. This company double charged me renters insurance the 15 months I lived there and said it would be taken care of for my credit back to my account when I called to turn my keys in as well as updating a credit for going 14 days with out A/c in XXXX where the temp was higher then XXXX, so theres no way I should have a {$500.00} water bill. I didnt find out I had a balance till the debt hit my credit report. No mail no email not even a voicemail as to the charges and I even gave them my mailing address as required when I signed my cancel of the lease renewal. Not to mention I had my belongings damaged to the water lines breaking, my clothes stolen from the laundry room, again - went without A/c for XXXX weeks, while all being told I would be credited back to then finding out I have this unknown balance after moving out.
Consumer complaint received 2023-12-29
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: EQUIFAX, INC. (AZ)

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 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX {$34000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NH)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX owner of XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX Florida Im reporting Exquifax commercial Solutions XXXX XXXX XXXX, XXXX GA XXXX for inaccurate information on my commercial credit file Equifax claims my company under name XXXX XXXX XXXX XXXXXXXX as per Equifax letter Dated XXXX XXXX and Equifax Commercial Credit Report my company name under XXXX XXXX XXXX XXXXXXXX XXXX dated XXXX XXXX My company name is XXXX XXXX XXXX XXXXXXXX XXXX XXXX Equifax inaccurate information and Equifax reporting account number XXXX ending in XXXX, not from my XXXX XXXX XXXX XXXX XXXX XXXX XXXX and also inaccurate company name Attached herewith Equifax letter dated XXXX XXXX, Equifax Commercial credit report Equifax account number XXXX I want inform that I never received any information for account number XXXX Account dates XXXX is XXXXXXXX XXXX years lapse in which I never was informed by Equifax or credit card company about it, being contradictory also during the last XXXX  years I never received any collections XXXX requesting Equifax to XXXX account number XXXX ending in XXXX, not from my Company XXXX XXXX XXXX XXXXXXXX XXXX XXXX and to send me a confirmation letter of account deleted within XXXX business days. 

This is harming my company profile. 


Thank you XXXX XXXX
Consumer complaint received 2018-11-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IN)

A payment XX/XX/17 of {$480.00} is still not applied to my account which is causing late/interest fees to my account which would be paid in full by now. 
I have worked with XXXX which mailed the check on XX/XX/17 -it cleared on XX/XX/XXXX being cashed by Dept of Education . 
XX/XX/17 XXXX  received ck # XXXX for {$480.00} cashed it on XX/XX/17 and sent the money back to Department of Education on XX/XX/17 in which no fees have been applied to my loan. 
With the transfer of accounts from Department of Education to Navient some fees were lost in the transfer -- XXXX & XXXX are checks shown as an example of this happening -- I have been working on fixing and paying off this account since XX/XX/2017 and have not been able to get a resolution. This affects my credit report, parent plus loans and fafsa applications.
Consumer complaint received 2023-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: DISCOVER BANK (MO)

I was trying to make payment to XXXX for a rental in the amount of {$10000.00}, and the transaction was declined initially on XX/XX/2023. Because I had terrible customer service experiences with this before, with another large purchase, I knew to call them immediately and ask for a daily spend limit increase. I was on the phone for 10 minutes verifying my information and getting them to increase the limit, they got off the phone and said try again in 5-10 minutes. I waited, and it didn't work. Agitated, I waited until the next day XX/XX/2023 before calling them again stating to the person that I'm not sure if you are familiar with the intricacies of doing a spending limit increase but please get me to someone who can increase it. A 29 minute phone call happened, and the transaction was still declined. I called them again with another 33 minute phone call and the transaction was still declined for " insufficient funds ''. I had even asked the representative jokingly if they had my $ XXXX liquid and was reassured that the bank is fine. I have now missed the rental due date for payment, and the rental transaction has been cancelled. This is not the first time I have had issues with this having to call them multiple times to get a few thousand dollars from my account.