davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-17
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: GOLDMAN SACHS BANK USA (CA)

On XX/XX/2024 I received a promotional offer in my email form XXXX. I applied directly to this email and followed all the rules. The promotion was suppose to gift the new cardholder {$150.00} after spending XXXX $ within the first XXXX  days. I have done all of the above and am currently in good standing with such credit card. After several months now I have not received the {$150.00} in addition I have spent much of my time making phone calls to XXXX XXXX Bank, filing a formal complaint and reaching out directly to XXXX XXXX. 
They keep sending me emails saying they have done nothing wrong and will further investigate. I did speak to a manager which told me that I had used the wrong site, or URL and therefore was not eligible for the {$150.00}. This is ridiculous because I directly applied through the email which had a large button that said APPLY NOW. I feel completely frustrated and believe this was deceptive and fraudulent on XXXX XXXX and XXXX card. It also makes me think perhaps I was not the only one this has happened to.
Consumer complaint received 2023-02-24
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. (NV)

I received an email from XXXX, alerting me of my delivery. I have never ordered from XXXX so this was a red flag. I decided to pull my credit report and noticed that I have several names across all three credit companies. XXXX, XXXX and Experian. 

I decided to call the fraud alert numbers listed for all 3 and was able to talk to a representative each time. The first lady, very helpful and what I seem to be as understanding. She asked for my correct information and instructed that my report will be updated and all inaccurate information will be deleted. This has not happened yet, it's been 14 business day.

Each phone call was 30 minutes or more, I'm very unhappy to see that it was a waste of my time. i would like my current address to be present with the correct spelling of my name and employer updated. I don't think this is too much to ask for. 

I have to prove who I am because of someone enjoying a wonderful life with my social as i live in poverty with an eviction on my background. Which is also falsified. Please help me! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-17
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (PR)

I have an American Express gift card that I have been trying to use for about 2 months already, but it doesn't work anywhere. It has a balance on it. I have tried XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX, and more. All of these transactions have been denied. I called the company on XX/XX/XXXX at XXXX and I was told to continue to try it because some businesses do not accept the card. It's impossible that almost every business has denied it. 
Some of the transactions and dates are as followed : XX/XX/24 XXXX {$1.00} Declined twice XX/XX/24 XXXX {$4.00} Declined twice XX/XX/24 XXXX AM {$4.00} Declined XX/XX/24 XXXX {$4.00} Declined XX/XX/24 XXXX {$4.00} Declined
Consumer complaint received 2024-04-16
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: CCS Financial Services, Inc. (MN)

I was trying to get an apartment and realized damages on my credit report. 
According to 15usc1681 law there should be no damages on my report is defamation of my character
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2023-01-07
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. (AL)

XXXX XXXX XXXX XXXX XXXX was removed from my credit report an my credit drop XXXX point instead of moving up XXXX to false information was reported cause it to be removed from my credit instead TransUnion keep dropping my credit stop me from applying for credit loans for a mortgage loans I requested my XXXX should be added to my credit score stop it from dropin stop dropin my credit score for them false information
Consumer complaint received 2021-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (NY)

I'm a legal resident in USA, working in a position as staff for XXXX XXXX. I have a USID ( PID XXXX ) from Department of State that is never accepted by any of Credit Score Agencies or enterprises, because is not recognized by anyone, although I have a sane financial statement and I don't have debts. 
I have my SSN but is not accepted by Credit Score Agencies, because is only for work. I have my XXXX visa and I am discriminated continously when I try to acces to any service taht requieres credit score or report from credit file. 
I don't have TIN, because I pay my taxes in my origin country. 
The last problema has been applying for a TJ MAx card. 
My files can be queried in XXXX, XXXX and/or my bank ( XXXX ). 
That's a discrimination.
Consumer complaint received 2020-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LD Holdings Group, LLC (IL)

On XX/XX/2020 I filed a complaint against LoanDepot ( Complaint # XXXX ) regarding LoanDepot reporting a {$10000.00} increasing to the principle balance of my mortgage to all 3 Credit Bureau. On XX/XX/2020 Loan Depot responded to the complaint and misrepresented the facts ( i.e. Lied ) with the following statement : " LoanDepot reported to the credit bureaus the aggregate amount owed on the loan each month but did not report an increase in outstanding principal balance, delinquent payments, nor any negative account information. '' I have attached reports from all 3 Credit Bureaus which reflects the afore mentioned principle balance increase ( See attached ) this increase caused my credit score to drop significantly resulting in my attempts to refinance to be denied but multiple banks. 

This complaint is about the willful misrepresentation of the facts by LoanDepot to your agency which resulted in my original complaint file ( Complaint # XXXX ) being " Closed '' on or about XX/XX/2020.
Consumer complaint received 2017-05-17
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: 360 MORTGAGE GROUP LLC (NV)

360 Mort gage is acting in bad faith in connection with a real estate transaction and acting as a foreclosure mill in refusing to adhere to standard real estate practices. At issue is borrower is looking to avoid foreclosure and has had an offer to sell their proper ty. 360  Mortgage has advised that the offer is too low based on their appraisal which is almost 6 months old. We have contacted the investor who has advised they are opening and working on a value dispute and that dispute should be completed by the end of the month to determine the value of the property.  360 Mortga ge was made aware that investor has opened a value dispute but has determined on their own to take the property to foreclosure sale prior to the value dispute being completed. This is completely unethical and acting in bad faith while parties are in the process  of negotiating a real estate transaction. Additionally 360 Mortgage 's appraisal is set to expire in approximately 2 to 3 weeks at which time they will be required to order a new value. 360 Mor tgage would rather foreclose on the borrower than to comply with standard real estate rules and regs when negotiating offers. This is unacceptable.
Consumer complaint received 2024-04-16
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Sunlight Financial LLC (FL)

RE : Loan # XXXX XXXX XXXXXXXX XXXX XXXX Sunlight Financial Account number XXXX In XXXX XXXX, new windows were installed on a private residence. The contractor facilitated the loan process with Sunlight financial. The loan was for {$26000.00} with an introductory APR of 0 % until XX/XX/XXXX. 

We had set up an autopayment of {$2000.00} and called XXXX of XXXX to request a payoff quote. The agent quoted us {$260.00} and we had assumed this was for the remaining balance after the automatic draft that is processed at the end of the month. 

An automatic draft continued to come out of our account in XXXX and XXXX. After contacting Sunlight financial they claimed since we had not paid off our loan on time, they applied all the payments toward our interest when the monthly payment amount on the contract states {$260.00}. The interest charged was an exorbitant 21.990 % accrued on a daily basis. 

After noticing this error and paying off the entire amount quoted on the pay off balance of {$2600.00} Sunlight Financial still charged us the daily interest of {$1.00}, that is showing online. 

We request a refund of {$4400.00} interest paid between the XXXX months between XXXX and XX/XX/XXXX. 

Thank you for your attention to this matter. 

XXXX XXXX
Consumer complaint received 2023-06-14
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. (TX)

I just got off the phone with an agent at Equifax who refuses to remove the inquires that are on my credit report that were included in the FTC report that I submitted on XX/XX/2023. The agent said they do not have a copy of the FTC report and therefore can not remove these inquiries that should have been removed 2 months ago. I already submitted the documents via the CFPB on XX/XX/2023. The CFPB complaint # XXXX. FTC report # XXXX I also included all of the other documents REQUIRED by federal law to have these fraudulent inquiries removed. I even double checked before calling Equifax today to make sure all of the documents were there. I also checked while on the phone with the agent and the FTC report along with my ID and proof of residency are definitely in the complaint I files in XXXX. It also show that Equifax opened the compliant. Which means they also received the document they are lying and saying they have not received. I was told by the agent even after giving her the FTC report number that the document does not exist. The same document that I sent and uploaded before... I will be attaching the same document TODAY. This is XXXX ridiculous. I am sure the company that is responsible did not have to go through this much XXXX and hassle to add this fraudulent info to my credit report. THIS IS NOT FAIR!!!
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (PA)

I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX//22, XX/XX/22. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Consumer complaint received 2024-04-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Capio Partners, LLC (SC)

Received call on XXXX around XXXX which I did not answer. They did not leave a voice mail. I called back but was immediately hung up on. A few months back, I received call from them as well with the same scenario. I checked all my credit reports as well as all my medical accounts ( since that is what they usually attempt to collect on ). I have not outstanding or past due bills of any kind. 

I have no way of finding out what they are claiming to collect on when they hang up when I call back. While the company may be legitimate, it seems the calls I have received are not. 

Also, it is mandated by law that I be notified of any collections and I have never received anything.
Consumer complaint received 2024-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I AM A VICTIM OF IDENTITY THEFT PLEASE BLOCK THESE ACCOUNTS PURSUANT TO FCRA XXXX. I AM ALSO A VICTIM OF XXXX XXXX AND XXXX XXXX  PLEASE ADD A FRAUD ALERT AND FREEZE AND OPT ME OUT. PLEASE USE THE NUMBER XXXX AND SEND ME A COPY AND CPFB
Consumer complaint received 2022-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the Fair Credit Reporting Account, XXXX XXXX XXXX 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 2024-11-19
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. (GA)

I am a victim of identity theft the following inquiries listed below and also attached in my identity theft report are fraudulent and it is against consumer law to report fraudulent or inaccurate items on consumer credit reports Fraudulent transunion inquiries XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

XXXX, Equifax, and XXXX are in violation of multiple laws 15usc 1681 a ( d ) ( 2 ) ( I ) exclusion of a credit report. 
According to the law the term credit report does not include information solely as to transactions or experiences between the consumer and the company These companies are reporting charge offs and late payments on my report which are transactions and experiences
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A. (FL)

Citibank continues to report an authorized user account as if I have ownership of the account. I was removed electronically from this credit card months ago, before it was closed. However, when I dispute this account with XXXX, they continue to say the card is mine and I am the owner. XXXX requests a letter stating that I was removed as an authorized user before they will delete this from my credit report. However, Citibank reps refuse to offer the letter and still continue to make me responsible for this account, at one point saying nothing can be done since they have sold the account to someone else. I am not legally liable for this account and want it deleted from my credit report. XXXX XXXX, my mother, is legally liable for it. I was just an authorized user.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (NV)

On XX/XX/XXXX, we called our previous car insurance company XXXX to start a claim for windshield replacement on my XXXX XXXX XXXX XXXX due to a rock chip that expanded. The work was to be done by XXXX. We ended up not going thru with the claim/window replacement as XXXX was not able to do the work due to computer codes for the windshield that only XXXX would have. 

We subsequently were shopping around for new car insurance when we found out about this claim still on our record- we explained to XXXX ( our new car insurance ) that we never went thru with the claim, they directed us to Lexis Nexis Risk Solutions to dispute this. XXXX relayed this affected our car insurance rate. 

We did dispute this with Lexis, Lexis indicated they could not corroborate the claim, where we then indicated they had 30 days to remove this claim from our record. This claim is still on our record. In a call to XXXX, they are able to corroborate that the claim was never processed. 

Ask : Please have Lexis remove this inaccurate claim from our record.
Consumer complaint received 2024-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. Per FCRA section 605b, the credit bureau are required to remove any items listed on an id theft report. Please help me find the required documents to assist in the removal of the erroneous information which is being posted to my report. 
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 2023-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (LA)

I was alerted by XXXX credit agency that new activity appeared on my credit report. A account went into collections from credence resource management XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Tx, XXXX, XXXX, acct- XXXX, date opened,, XX/XX/XXXX, original creditor is Att for the amount of XXXX. I completed an online dispute XX/XX/XXXX, this is fraudulent activity, I did not open any accounts with anybody on XX/XX/XXXX, nor am I aware and have never recieved any correspondence from XXXX or this company about any past due monies owed by me. This activity appeared out of the blue on my credit report XX/XX/XXXX
Consumer complaint received 2024-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (MD)

XX/XX/XXXX - Billpay payment initiated to our XXXX  XXXX XXXX credit card acct XXXX to be paid by XX/XX/XXXX. 
XX/XX/XXXX XXXX XXXX  XXXX XXXX notified me of non payment on our credit card XXXX. Discovered Chase rejected to make billpay payment despite sufficient balance and with no advance notice. 
XX/XX/XXXX '' At the XXXX, MD branch, branch manager XXXX XXXX refuses to help me even though I am joint account holder and Chase approved with verification affidavit Power of Attorney for all accounts. XXXX, despite him informing me that he is very familiar with Power of Attorney, refuses to help me despite Maryland Statutory Power of Attorney 17101. Iask for him to escalate the issue and to pay XXXX interest and late fee. He won't escalate because branch is closed and he and his staff want to go home They have plans for the night. States he will escalate issue Monday but never does. He confirms he wants me to leave now. '' XXXX discriminated me due to my skin color/ethnicity and threw me out of his branch instead of helping me. He never followed up, credited my late fees or interest, escalated my issue or called me. 
XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX Executive Escalation XX/XX/XXXX XXXX  ( XXXX ) XXXX Executive Escalation Texas '' XXXX XX/XX/XXXX XXXX Says Chase reserves the right to reject any BillPay payments and will not credit late fees and penalties outside of Chase . Said I should ask XXXX XXXX XXXX  for courtesy credit. Would not give me his last name. 
XX/XX/XXXX XXXX XXXX Said Chase can reject all payments. She said my payment was rejected and not delayed, therefore they will not pay my penalties. 
XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX Chase cancels my credit card account that I've had for more than 10 years. XXXX says she will open credit card escalation but she is on the banking side. XXXX XX/XX/XXXX XXXX Credit Cards `` Supervisor redeemed rewards points of {$600.00} of XXXX Banking closed our credit card account. 
XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX Executive Level Credit Card. Intake XXXX XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX Regional Mgr. He stated supervisor of executive escalations will call me XX/XX/XXXX or XX/XX/XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XXXX ) XXXX Manger executive office XX/XX/XXXX XXXX ( XXXX ) XXXX Will have XXXX XXXX Call me back regarding balances due to us and statements. Could take up to 48 hours. 
XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX XXXX Says accts were closed XXXX and takes up to 10 days to receive checks. Will mail me statements for all accounts and follow up and mail me XXXX statements to cover XXXX. I never received any of our statements.
Consumer complaint received 2023-01-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (AL)

This was removed from my credit by the institution i had a wet signature with. however today i reviewed my account and noticed a collection from a company ive never had any involvement with reopened it and now are sending contact.