davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (OH)

I tried to purchase a puppy through a breeder whose website was cleared by XXXX and ran as an ad on XXXX. I was in contact with the owner and they did all of the routine steps in making sure everything went smooth and was consistent with what you would expect of most breeders. After all paperwork was drawn up, I paid {$2500.00} total using Zelle and XXXX for the dog but after noticing some sketchy services afterwards, I realized that I had been scammed. I then reported the operation to the FTC, FBI, XXXX, XXXX and XXXX. I've tried recovering my funds from XXXX Bank, Zelle and XXXX but they all denied my claim.
Consumer complaint received 2020-03-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (AZ)

My tax return was deposited XX/XX/XXXX, directly afterwards American Express serve closed my account for having a negative balance more than 15 days. I called their fraud department and was told they would send an email and it could take 2 business days. I called again on the XXXX and they told me a check was in the mail it would take 7 to 10 days. I called today XX/XX/XXXX because I received a text informing me of my balance in an account that should be closed and the representative said there was no record of anything beyond send the initial email on the XXXX and she would send another email starting the whole process over again. I asked to speak to someone who could assist more and was told there was nothing they can do. If they closed the account the money should have been returned right then, not held in an account that can not be accessed. At the very least action should have occurred after the first phone interaction. At this point it is neglect on their part. After seeing that there was no follow up to my initial request their should have been a sense of urgency on their part. Or on the second time I called on the XXXX they should have not told me that my check was in the mail, that was false information. I feel I was lied to about the status of my account on the XXXX.
Consumer complaint received 2020-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (PA)

I booked a flight on XX/XX/XXXX. My American Express gold card had travel interruption insurance. The flight was set for tomorrow XXXX but my spouse has the flu and the trip was interrupted until Wednesday XX/XX/XXXX. The airline assessed a {$400.00} change fee. American Express claims they stopped offeringtrip interruption insurance in XXXX. They did not notify me and also I booked this before in XXXX when I had coverage.
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 2024-03-21
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: EQUIFAX, INC. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX - Account Number : XXXX
Consumer complaint received 2020-02-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NY)

I signed up for Citibank 's " {$500.00} Bonus when you open a new checking and savings account in the Citi Account Package '' promotion via the manager in Citi branch ( XXXX XXXX, XXXX XXXX, NY XXXX ). The deposit of {$15000.00} within 30 days was met on XX/XX/XXXX. The direct deposit in two consecutive months was met as well. Maintain a minimum balance of {$15000.00} in my eligible linked checking and savings account for 60 days has been met on XX/XX/XXXX. The {$500.00} bonus should have posted 90 days after that, which is XX/XX/XXXX. It's currently XX/XX/XXXX and no bonus has been posted to my account. 

I have contacted citi for more than 5 times but they couldn't make sure I can get the bonus before XX/XX/XXXX.
Consumer complaint received 2024-03-21
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. (CA)

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as Equifax, XXXX and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 

XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance {$830.00} XXXX  XXXX Balance {$830.00} Inquiries XXXX Date of Inquiry : XXXX Renewal By A Date of Inquiry : XXXX XXXX Date of Inquiry : XXXX XXXX XXXX Date of Inquiry : XXXX XXXX Date of Inquiry : XXXX XXXX XXXX Date of Inquiry : XXXX XXXXXXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX Date of Inquiry : XXXX XXXX Date of Inquiry : XXXX XXXX Date of Inquiry : XXXX XXXX Installment Date of Inquiry : XXXX XXXX XXXX Cred Date of Inquiry : XXXX XXXX XXXX Ser Date of Inquiry : XXXX
Consumer complaint received 2024-03-21
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: EQUIFAX, INC. (IL)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is XXXX. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind.
Consumer complaint received 2023-02-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: HUNTINGTON NATIONAL BANK, THE (IL)

I've had multiple issues with Huntington National Bank with the mishandling of my account. 
Huntington has mishandled a dispute I've submitted to the causing me to be late on my loan payments and causing me late charges, as well as the lender now in process of reporting to the credit bureaus and filing a lawsuit against me. 
I've tried in good faith multiple times to speak with somebody, and nobody is trying to assist me, in fact, the supervisors that I was connected to didn't try to help. The supervisors XXXX ) Refuse to provide their names XXXX ) Refused to provide a means of contact of email XXXX ) Refused to provide a contact number XXXX ) Refused to provide their I.D . number XXXX ) Refuse to provide a higher supervisor to me. 

This refusal to cooperate in a financial investigation has sparked me to contact you. 
Huntington 's negligence has caused an issue where they've lied multiple times to me about the errors on their behalf that they now don't even want to take care of the issue before it gets out of hand.
Consumer complaint received 2022-12-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

i have tried fixing this for 2 yrs now. I had my car broken in to and had my wallet stolen.it had my id and social card stolen. i got a police report and have submitted to all the bureaus. experian and XXXX have yet to take it off my credit. i recently sent them another dispute showing that the information doesnt even match up between the bureaus and that the address is wrong, it isn't my address. this is an account from XXXX XXXX who purchased it from XXXX XXXX stating i owe them {$1500.00}. at no time have them showed me any proof of this account such as opened account info or contract
Consumer complaint received 2023-12-06
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. (KY)

Pursuant to 18 USC ( 8 ) I owe no debt this company is violating my consumer right to privacy pursuant to 15 USC 1681 ( b ) 15 USC 1681 ( 4 ) company has also no permission to report anything using my information 15 USC 1692g validation of debt 15 USC 1681A ( 2 ) ( a ) ( i ) Late payment 15 USC 1692 ( i ) legal action by debt collectors 15 USC 1692e false or misleading representation Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

There is a bankruptcy reporting on my credit file that doesn't exist. I tried to request validation and dispute this remark and the credit reporting agencies don't even respond back. I have now sent two disputes with not even a single respond.
Consumer complaint received 2024-03-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (MS)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY (KS)

On XX/XX/2022, my XXXX  XXXX XXXX and I bought furniture at XXXX XXXX in XXXX XXXXXXXX, XXXX Their financing - XXXX free of interest was through Wells Fargo XXXX 
We signed up to receive online statements and also received cards from the bank. Didn't think about anything wrong, as our first statement ( Attached ) indicated the terms and conditions for which we were purchasing furniture. Interest FREE for XXXX. Well, I trusted the system, only to find out that we have been charged interests since XX/XX/2022 and because statements were sent online, I didn't notice until now. 
I called them yesterday and was given a Claim # XXXX. I submitted extra documents today but I feel strongly to submit this claim so people are aware of my situation with tis notorious bank robber - Wells Fargo. Always misleading customers and abusing their financial power.
Consumer complaint received 2020-03-07
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

My mortgage was transferred from XXXX XXXX to Freedom Mortgage effective XX/XX/2020. My final escrow balance from XXXX XXXX was {$1100.00}. Upon transfer, Freedom shows a negative XXXX. I have been trting to get this corrected since XX/XX/2020. After numerous calls, the problem is still not corrected. I just want my proper amount in my escrow where it belongs. Please help.
Consumer complaint received 2023-01-17
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: Experian Information Solutions Inc. (MD)

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 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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 2021-03-11
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (TX)

Synchrony Financial is now lowering my XXXX XXXX XXXX limit as I pay down this account, thus making my credit score drop because instead of showing I'm paying down my balance, they reduce limit so card always looks maxed out!! If they are doing this to me, must be to many and absolutely WRONG
Consumer complaint received 2023-02-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (OR)

Firstmark Services has blocked my phone number and will not respond to my emails after asking for a settlement. I called them 32 times where they hung up on me every time. I found out today that they blocked both my e-mail address and phone number. I have no way of getting in contact with them and don't know how to proceed with the settlement offer or even how to pay them. I would like to be able to call them to talk about my settlement.
Consumer complaint received 2023-06-21
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP (CA)

I have a leased Acura 2020ILx that has been with the dealership auto repair unit since XX/XX/XXXX. The car was due back mid XXXX on account of a back ordered part. I had to escalate ( through corporate customer relations ) obtaining the part and the part finally arrived at the dealership on XX/XX/XXXX. I am hoping to get part of my lease payments refunded as I was not accommodated by Acura in way of a loaner, reimbursed for additional out of pocket payments and kept endlessly hanging till I escalated the complaint process within the company. 
I want you to be aware that customers that lease vehicles are trapped and bound to their contracts with auto companies. All repairs need to take place at the dealership with certified parts. In the eventuality of unforeseen issues like supply chain breakdowns exacerbated by Covid, customers are left hanging, waiting on unreasonable delays, exceeding 180 days, while companies do nothing to accommodate financial impact on consumers. Please do let me know what recourse I have.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am requesting an investigation of my credit report. The accounts reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following accounts on the credit report are incorrect. 
XXXX XXXX XXXX Balance : {$6900.00}, XXXX XXXX XXXX Balance : {$6800.00}, XXXX XXXXXXXX Balance : {$0.00},
Consumer complaint received 2023-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (OR)

The company, Comenity, has my credit card account which I thought had been closed by XXXX. They never informed me the account was active and they never sent me a new card. I only found out by checking my credit report and seeing the account was active. I tried to log in with my old account number and was denied access. I called the company and requested a new card so I could access my account. Then I found out it was through a different bank and there was a late fee of {$26.00}, no big deal. This was on XX/XX/XXXX. I explained to them the situation, they waived the fee and sent me a card. Great. 
When I recieved the card on XX/XX/XXXX I activated it, logged into my account and saw another late fee on XX/XX/XXXX. I paid the balance, not really caring about the fee, but wanting to make sure I didnt get a late payment on my credit report. I did. Not only did I recieve a fee for {$31.00}, I recieve another XXXX  days later for {$26.00} dollars and a hit on my credit report for a late payment. 
This happened before I even recieved the card and had access to make a payment. On top of that, they took my {$12000.00} credit limit and lowered it to {$750.00}! This is a sketchy company, they are not responsive and I think they are out to XXXX peoples credit. My score just dropped XXXX points because of this comany and I'm expecting it to drop even more by lowering my credit limit. I would like this late payment off my report. It is THEIR fault, not mine.
Consumer complaint received 2023-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (UT)

so I have the quest united card. They have cutoff time on the XXXX of XXXX XXXX est apparently I have made my payments literally all within 8 to min after and it is still the XXXX here in Utah. the company hold my payment and posts it on the XXXX and keeps making my payment late and charging a late fee. If you can to my last maybe like 5 to 6 of them all of them are maybe 7 to to min after on there side posts like XXXX to XXXX. This is ridiculous and I dont agree with these late fees at al and the again this last one they are dining for which they refuse too remove apparently posted at XXXX which is still XXXX Utah time so it is still the XXXX this cut off is ridiculous and you should be to still pay on the same day up to eastern time your own time this cut off is unfair and I dont feel this late is warranted at all all these payment going to even the last year half have all been on the XXXX but considered on the XXXX because of there systems not being able to post a payment on the same day and I am still making them on the same day I talked to 2 managers and none of them would help me get my last XXXX back I really feel they are being unfair with this and I want my last XXXX fee back
Consumer complaint received 2024-03-21
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 2023-02-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I want to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the following accountsXXXX XXXX XXXX XXXX XXXX XXXXAccount Number : XXXX XXXX XXXX XXXX XXXX XXXXAccount Number : XXXX
Consumer complaint received 2023-02-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affirm Holdings, Inc (GA)

I have tried to contact this collector many times about this debt. I know have no acknowledgment of this account and never did business with them. It is bringing down my credit badly. They have failed to respond and I ask that this debt be removed off my credit.