davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-16
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: FIFTH THIRD FINANCIAL CORPORATION (MI)

I obtained a 5/3rd Trio Card in XX/XX/XXXX from branch manager XXXX. Promotion was to spend {$1000.00}. in first 90 days and receive {$100.00} cash. XXXX, branch manager explained in detail that after this criteria was met it was as easy as walking back into this branch and receiving the {$100.00}. XXXX misrepresented the card, saying it would really be an added promotion to an existing 5/3rd card I have, as I was sensitive to the fact that part of my credit score was helped by having the long existing 5/3rd card. XXXX assured this would be the case instead a new start date with a brand new card was initiated, affecting credit score. I did spend the {$1000.00} in the first 90 days.

I have gone in now 3 separate times to resolve this, speaking with XXXX XXXX XXXX and now XXXX XXXX. Each trip was over 30 min in length due to each of them not resolving the issue. All 3 state it is clear I have met the criteria, but " corporate or credit division or whoever '' does not show the correct amount of reward points and all have tried to make this correct. 
Latest visit was yesterday, XX/XX/XXXX to XXXX, manager, who after 40 min took my info and assured that a regional manager would call same day. I provided phone and email, no call or email. I just want to receive the {$100.00} promised to me
Consumer complaint received 2023-11-15
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. (CA)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-11-15
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. (CA)

I recently submitted a complaint against TransUnion and XXXX regarding collection accounts from XXXX XXXX that are listed on my credit reports. TransUnion and XXXX consistently list these accounts as VERIFIED and UPDATED without providing me their methods of verification for these alleged debts.
Consumer complaint received 2024-04-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (CA)

so i went to return an item and instead of credit back to the credit card they gave me cash instead i then went and spoke with an employee days later and they said they weren't supposed to do that and then i was upset about it and told them well i need my credit back and to keep at XXXX and i didn't have the cash bc i thought it was to my account already. they then told me call customer support and credit card support from citi bank and then i called and it sounded like it was a scam call and recently i remembered best buy was getting scammed and scammed because it happened to friends/relatives about getting scammed also.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN EXPRESS COMPANY (AZ)

On XX/XX/XXXX, I received notification via electronic mail. In a call to Amex at XXXX on XX/XX/XXXX XXXX PM [ XXXX mins, XXXX sec ] in speaking with Fraud Division I verified that this was fraud, I was told the account was closed, and that the applicant would not be able to re-open the account. Because I inquired as to how a fraudulent entity was able to get so far as to open the account with credit alerts in place for XXXX, XXXX and XXXX [ for which I have credit monitoring ]. I was advised that Wednesday XX/XX/XXXX, I received the credit card in the mail despite that I was advised it would not be issued. When calling again at XXXX on XXXX AM [ XXXX mins, XXXX Sec ] the XXXXraud division again advised me the account could not be activated and that it was under 30 day investigation to determine how the account was opened. When I began to inquire as to how the account was opened I was transferred to the new account Bureau. The initial agent confirmed the call was being recorded and I asked how they were able to get this far without asking for verification of my identification by physical ID. The person then proceeded to read my fraud notation from one of the credit Bureau ( s ). I then asked why they did not do it. They said the called the number on file. I asked what they used to verify my identification? The agent said that all of that was destroyed. I asked if the call was being recorded [? ] to which the agent said yes. I then asked how then would you destroy information or discard that the Fraud department said it would investigate or use to investigate? He Said he followed the process which was to " call the number ''. I asked for him to produce evidence that the number was called. He then stated he could not because I closed the account. I asked to speak to a manager at which time I was sent to XXXX. I verified XXXX was recording our conversation. I again asked him to take me through the process and he gave me his assurances that Amex followed the process and then XXXX proceed to tell me I did not have XXXX Alerts on my account. He implied there are fraud alerts and their are [ implied ] separate fraud alerts. I asked whom is used in the verification and ha said XXXX. I than advised him [ as of the XXXX ] that two days after [ XX/XX/XXXX ] only XXXX XXXX had a record of the inquiry. SO if you use XXXX XXXX, how did did they not have the inquiry and XXXX did? He explained what their process was again and i asked him to repeat it for their recording. So we have XXXX Amex employees caught in lies.
Consumer complaint received 2023-11-08
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: DAS ACQUISITION COMPANY, LLC (MO)

I have ( 4 ) inquiries on my credit report that I did not authorize. 

Company : DAS ACQUISITION COMP via XXXX XXXX Date : XX/XX/2023 Company : DAS ACQUISTION COMPA via XXXX XXXX Date : XX/XX/2023 Company : XXXX XXXX XXXX via XXXX XXXXXXXX XXXX Date : XX/XX/2023 Company : XXXX via XXXX Date : XX/XX/2023 I have filed an identity theft report on this.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (IL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : XXXX XXXXXXXX - Listed as closed account with balance of {$11000.00} XXXX : XXXX XXXX not listed on this credit report XXXX : XXXX XXXX - listed as closed account with balance of {$11000.00} I have called the company multiple times to ask them to reflect update their reporting to reflect accurate and up to date information. The account has been open since XXXX and has never been charged off/ written off as bad debit ( as listed on my credit report ) as I am still making monthly payments. This inaccurate information is causing negative impact on credit report. The current balance as reflective on my billing statement is $ XXXX.
Consumer complaint received 2018-05-16
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. (PA)

The loan was opened XX/XX/XXXX, I have NEVER made a payment on the loan. They falsified payments, stating that I had made a payments in XX/XX/XXXX, I am assuming the reasoning was to keep the account open longer therefore it is still listed on my credit report. The account should have went into collections in early XX/XX/XXXX and should be removed from my credit report within 7 years, however,  because they falsified the payment history the account remains long past it's time. I have disputed this information with all three credit bureaus numerous times and XXXX keeps stating " dispute resolved, customer disagrees '' but they have not changed any status on payments or provided proof of payments.I have been fighting this false information for years and I am unsure what to do in order to get results and have the correct information reported. Also, the loans ( 3 ) were sold to another company and I have agreements with that company. I am not trying to escape paying my debt I just don't understand how they can report incorrect information and refuse to fix it, and after selling the loan ( that account is also on my credit report currently in good standing ) I would just like this issue removed if possible, or corrected so that it will expire within the year.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

Equifax have an internal block onnmy credit report, andnis not letting any lender to obtein my credit report. All this happened without my consent, I have been for XXXX months tryng to solve this, they asked me to send my copybof driver license and social security by mail, i have sent it 4 times and they take weeks to answer and keep telling me that they cant read my driver license, i have sent everytime perfect copies of the driver license all of them new ones and they keep telling me the same a week or 10 days later. Inwas applyng for a business loan and credit card and havent been able for XXXX months because of this. Asked them if I can upload or send by fax, explained thats perfect copies and they keep telling me that I have to send them again by mail, even when eveytime I call they verified me on the phone. I need to resolve this, that like I said they decided to put that internal block without even notifying me.
Consumer complaint received 2023-04-21
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: EQUIFAX, INC. (NJ)

I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information
Consumer complaint received 2023-11-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Bureau of America Ltd. (CA)

I got letter in mail and email about the money I owe. I paid the amount by XXXX XXXX credit card the very day I received email. I requested calling their phone XXXX multiple times for the invoice of payment or some sort of receipt saying I paid the amount or collection amount. They always said I will email you but never happened.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I ws a victim of XXXX and my accounts ( closed, delenquent and collection status ) were overtaken by XXXX from the criminals that had influence over my finances after XX/XX/XXXX and through XXXX XXXX I sent them a letter in compliance with their rules reguarding XXXX XXXX victims. 

They have not responded to that specific claim of account being stolen and reported information as accurate. I have tried to resolve this several times. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-15
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: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (CT)

On XX/XX/XXXX, XXXX XXXX XXXXParamount Mortgage did a hard inquiry on my report when they told me they would only do a soft pull for my mortgage preapproval. I called and they said it should have only been a soft pull, however it has been 7 months, and it is still showing up as hard pull on my account.
Consumer complaint received 2022-12-19
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. (GA)

The 3 accounts below do now belong to me and I have included the FTC report. Please remove these from my account asap. 

Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXXXXXX XXXX XXXX XXXX Account number XXXX
Consumer complaint received 2023-11-15
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (MN)

I am an XXXX XXXX Military member. I have recently learned about the Service Member Civil Relief act. It had been unknown to me for quite some time. I submitted my most current XXXX XXXX orders to Wells Fargo over a secured line on XX/XX/XXXX. They have not updated the current intrest rate. I also have a Credit Card with them that they have not adjusted either. i have been on XXXX XXXX since XXXX. If I would have known about this then i would have submitted my paperwork earlier.
Consumer complaint received 2023-12-11
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (AZ)

Upon moving out of my apartment ( XXXX, XXXX, Nevada ) in XX/XX/2021, the management refused to do a move-out inspection. About a month later, they sent me a letter saying I owed them {$140.00}, which was in addition to the {$300.00} deposit they were not returning to me. This document they sent me falsely stated this extra charge was due to " accelerated rent ''. At this point in time I had never been provided an itemized list of charges, which is required per my lease. I have pictures supporting my claim that the unit was left in as clean or cleaner condition than when I moved in, in accordance with the terms of my lease. XXXX  years later now, the alleged debt is with a collection agency ( XXXX ) and when I disputed this debt they were able to provided an itemized ledger containing cleaning charges totaling {$340.00}. These charges are fraudulent. Additionally, the itemized ledger was never sent to me within XXXX  days, as is stipulated in my lease. These cleaning charges are part of the cause of the alleged debt I owe. I have a complaint open with the XXXX ( which has given XXXX an " XXXX '' rating ) and am disputing this debt with the XXXX major credit agencies. I have pristine credit, and can afford the {$140.00} charge, but these business practices are fraudulent and should be stopped for the people that can't afford to have their {$300.00} deposit stolen and then their credit damaged due to fraudulent business practices. Neither XXXX ( the apartment ) nor XXXX XXXX XXXX XXXX ) has provided evidence ( i.e., move-out inspection form and pictures ) substantiating their claims. Additionally, XXXX 's communication practices have been vague, inaccurate, and not in accordance with the lease ; this is fraudulent behavior. I have attached a sampling of pictures ( due to file size limits ) and additional supporting documentation to this complaint.
Consumer complaint received 2023-11-15
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: ALLY FINANCIAL INC. (CT)

On XX/XX/2023 I was charged {$120.00} from XXXX for a monthly subscription on my Ally credit card. I cancelled my monthly membership with XXXX  a full 10 days prior to XX/XX/XXXX. I was then charged another {$120.00} again in XX/XX/2023, XXXX months after cancelling my membership. I called around XXXX XXXX XXXX to dispute that charge and during my phone call, I was disconnected from the agent ( calls are recorded I was told so this would be reflected ) and I wasnt sure if my dispute ever went through. I was sent documents telling me to call Ally before XX/XX/2023 or my dispute would be decided without any additional input from myself so clearly it was logged by an Ally employee even though we were disconnected before finishing the original report. I called Ally on XX/XX/2023 and I was told my dispute had been closed and not in my favor. I was told I could request my case be reopened in writing within 14 days and I did just that - wrote Ally a letter explaining the dispute situation and why I felt it should be reopened. I then received a letter stating my dispute had been closed. I called today, XX/XX/2023 to inquire why my dispute was closed when it was obvious this was a fraudulent charge and I was told by a rude Ally employee that it had been over 60 days since my original dispute was opened so it was automatically denied. This isnt even the same reason given in the letter I received from Ally dated XX/XX/2023 - in that letter it states my documents do not support my dispute even though I have direct confirmation my cancellation was received from the company that charged me the {$120.00}. 

I have been screwed at every turn by this company - Ally first opened the dispute without getting all the information from me due to the call being dropped ; second Ally closed my dispute XXXX days prior to the stated date in their letter to me ; and third Ally automatically denied my request to have my dispute reopened due to some arbitrary statue of limitations. This is fraudulent business practices.
Consumer complaint received 2023-01-01
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. (NC)

These inquiries do not belong to me XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX  XXXX  Inquiry date XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX, XXXX, XXXX XX/XX/XXXX XXXX address do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX
Consumer complaint received 2023-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: VYSTAR CREDIT UNION (FL)

i paid bills with checking account i sent 2 checks out XXXX XXXX they did not cash checks till XX/XX/XXXX ok they cashed them but said there was no money in account they lie .they have said ach payments i make can take over 15 days there are bills they have never paid but they sure as XXXX have taken money out.they charged me ach fees and blamed XXXX  XXXX who dont charge fees when used to buy from apple they have ruined my credit oh and about XXXX XXXX the teller laughed at me when i said your a liar and i proved it
Consumer complaint received 2023-11-15
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: EQUIFAX, INC. (NC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2016-01-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (FL)

Nationstar Loan number XXXX. Payment was XXXX per month. 

XXXX 2015 Nationstar billed me XXXX, When I phoned customer service to inquire, the rep said that they had raised the payment. Nationstar never sent any letter of explanation. This is my homestead property and I am an XXXX person.
Consumer complaint received 2023-11-15
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 2023-11-15
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: LDF Holdings, LLC (MD)

my account was withdrawn the amount of XXXX which was suppose to be every other payday, the loan was approved on the XX/XX/2023 and next pay period is suppose to be on the XX/XX/2023, they withdrawn on the XX/XX/2023 which was one week later. 

documents upload was previous loans and shows payment dates every two weeks from effective date. 

# XXXX # XXXX both paid in full the next pay period they need to be investigate this was not a mistake.
Consumer complaint received 2023-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.