davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-03
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: DISCOVER BANK (TX)

Discover did not fulfill their promotion regarding a {$45.00} statement credit when signing up for a XXXXXXXX XXXX XXXX membership. 

Discover sent me an email on XX/XX/XXXX ( see attached ) about a promotion that stated " Get a {$45.00} statement credit when you activate this offer and sign up for a new {$45.00} XXXX XXXX XXXX membership online or in club with your Discover Card by XX/XX/XXXX. '' At the bottom of the email they included the fine print which included certain criteria that must be met. One of those said that the " Offer fulfilled as a statement credit within three billing cycles after the end of the promotion. '' As a result, I waited until XXXX to contact them to ensure that the full three billing cycles were met. I called them and had online chats with them on XX/XX/XXXX questioning why I didn't receive the statement credit. I had followed the criteria in the fine print. I purchased a XXXX XXXX XXXXXXXX Membership on XX/XX/XXXX with my Discover card using the link provided in the email. I have never been a member of XXXX XXXX XXXXXXXX before. I authorized annual recurring charges when purchasing the membership. I purchased the membership in the U.S. I've never used this promotion before or anything related to this promotion. I do not work or have ever worked for XXXX or XXXXXXXX XXXX XXXXXXXX. I am above the age of XXXX. When I contacted Discover on XX/XX/XXXX they could not provide me a reason why I would not receive the {$45.00} statement credit and they said there was nothing they can do or I can do to remedy the situation.
Consumer complaint received 2024-04-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A. (NY)

I applied in good faith for the The Home Depot Commercial Credit Card with Citibank , N.A . as the Creditor. After application had been summited received a denial notice requesting a XXXX. If any portion of this application under the Application ID : XXXX has been securitized under securities act of 1934, within the citibank prospectus, XXXX and or other SEC filings . we demand credit line issued and open ended under the name of applicant. we submit this for remedy as pre arbitration notice as holder of the contract. please review for violations per Equal Credit Opportunity Act ( ECOA ), 15 U.S. Code 1691. we would wish for this matter to be resolved matter in Private.
Consumer complaint received 2020-06-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (GA)

I am a new mortgage customer of SunTrust, soon to be Truist. Our mortgage was was purchased by SunTrust from XXXX  XXXX  XXXX. The account was setup on autodraft. On the first month SunTrust took mortgage payment plus an additional {$5000.00} which was not authorized.. We called their office immediately and they said it was a mistake but they couldn't do anything. After discussion operator gave a fax number and said we could send copy of our bank statment showing they had taken two payments. Operator could see clearly they had deducted an additional {$5000.00} but refused to fix the issue.
Consumer complaint received 2022-12-27
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. (VA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-12-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX - INQUIRY DATE XXXX XXXX XXXX XXXX - XX/XX/2022 - I CALLED THE COMPANY AND INFORMED I ONLY AUTHORIZED ONE CREDIT CHECK AND NOT 2 WHICH IS THIS ONE. 

XXXX XXXX XXXX XX/XX/2022 - I CALLED THE COMPANY AND INFORMED I ONLY AUTHORIZED ONE CREDIT CHECK AND NOT 2 WHICH IS THIS ONE. 

XX/XX/XXXXXX/XX/2022 - XXXX DONT KNOW WHY THIS IS HERE.
Consumer complaint received 2022-12-27
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. (NJ)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-27
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. (AR)

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 2022-12-27
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. (AR)

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 2022-12-27
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I send an opt out letter to Transunion, XXXX, and XXXX. On XX/XX/2022. I haven't got a response from any of the companies above.
Consumer complaint received 2018-03-05
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (TX)

XX/XX/XXXX I made a balance transfer from XXXX XXXX XXXX XXXX and a check was mailed to Macy 's credit card in the amount of {$1100.00} to pay off my account with XXXX XXXX. The check was mailed on XX/XX/XXXX and was cashed by XXXX XXXX department store on XX/XX/XXXX. I called XXXXXXXX XXXX a few days later to ask why the money had not been credited to my account otherwise making another payment due to XXXX XXXX. I was assured that it would be credited within 3 days and I would not have to make another payment to my account. I thought everything would be credited and my balance would be XXXX after that.Then I received an email from XXXX XXXX  on XX/XX/XXXX, stating that a payment was due on my account. I called XXXXXXXX XXXX and learned that my account was never paid off and is in dispute ... .I was never informed that my account was in any dispute and the customer service person that I was taking to refused to give me any more information. I asked to speak to her supervisor and I was told the money was applied to another customers account and they could not figure out to whom they applied it to, so my account is in dispute. I was informed that XXXX XXXX asked for a copy of the check from XXXX on XX/XX/XXXX to verify that funds were sent to my account, but XXXXXXXX XXXX will still not release payment to my account. I contacted customer support at XXXX XX/XX/XXXX and the customer support person put all of us on a 3 way call XXXX was told the same thing. My account was put into another 21 day dispute by XXXXXXXX XXXX   starting on XX/XX/XXXX and now I am making another payment to XXXX XXXX. Since this time my XXXX credit card that I transferred the balance to is now due and I am making 2 payments for XXXX XXXX. I am unable to resolve this mater and would appreciate any help I can get.
Consumer complaint received 2024-02-23
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. (IL)

I urge you strongly to address and rectify the unauthorized accounts that have appeared on my credit report. These entries are negatively impacting my creditworthiness despite my lack of association with them. Please ensure their swift removal and take preventive measures to avoid similar errors in the future.
Consumer complaint received 2020-06-11
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: Riverwalk Financial Corporation (OH)

I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : 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 2020-06-11
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: ERC (OH)

I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : 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 2020-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

Please do not close this complaint as it regards to a different account ( owned by different names ). 

__________________________________________________________________ I opened the HSBC business checking account in the downtown XXXX office XXXX XXXX XXXX, New York, NY XXXX on XX/XX/2019. The banker who helped me opened the account is XXXX XXXX. The account was not immediately approved and I had to go to the branch to make a deposit after it was approved. XXXX was not in the branch on that day and another banker who helped me made the deposit did not process my online banking request correctly and when XXXX came back from vacation, she had to request it again. This had resulted a delay from me getting access to the online banking account. 

I opened this account because of the promotion that was given at that time which would give {$300.00} after some requirements were met.I have been contacting XXXX regarding the promotion for more than a month. She had escalate the case to the right department and as of today, I still have not got it yet.
Consumer complaint received 2023-03-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN HONDA FINANCE CORP (TN)

Back in the early month of XXXX XXXX  I contacted this company for validation of the debt they have inaccurately reported to my credit profile. I have found *several* contradicting information on my report that further prove my suspicion of this account being fraudulent and NOT MINE. Attached is proof of the credit report with misinformation differing across the three credit bureaus. I kindly request this item to be removed completely, never to be added back again. 

I understand that the Fair Credit Reporting Act regulates credit bureaus and collection agencies to ensure proper and accurate reporting for all consumers. In this case, I have not been treated fairly as the reported accounts are continuing to show -- with mismatch information especially.
Consumer complaint received 2020-06-11
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. (GA)

I have requested that TransUnion remove an unverified account that has been placed on my credit report from XXXX XXXX XXXX. I have no agreement with XXXX XXXX XXXX and requested a Cease & Desist previously. The company never provided any verification information before placing this account and still placed the account after I requested them to cease & desist. I informed TransUnion and XXXX  of this error and the account is still reflecting on my account. It is my right to only deal with the original creditor and not a collection agency that I don't have any kind of income agreement with.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

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 2020-06-11
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 — Was not notified of investigation status or results
Company: The Law Offices of Burr & Reid, LLP (NY)

I have a derogatory mark on my XXXX  credit report, the collection agency Burr & Reid from XXXX, NY never contacted me to let me know I had a debt in collections! They said they did and I told them I never received a letter or anything else to inform me of the debt! I asked them what address they had listed for me and they read off a different address than mine not my address. They said not there problem, I said if the debt is mine Ill pay it off as long as you have it taken off my credit report and they said no they wont take it off the credit report regardless if you pay it! How is this fair!!!!
Consumer complaint received 2023-12-30
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)

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 Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-06-11
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BBVA FINANCIAL CORPORATION (OR)

On Tuesday, XX/XX/XXXX, Simple sent my fiance a notice that it was, without cause, closing her account. They noted that they reserve the right to do so without cause per their rules. We are not complaining about their right to close our account without cause. What we are complaining about is the fact that they are now holding our entire savings hostage for an undetermined amount of time while they wait to send us a check for the contents of our savings. My fiance and I set up an account with Simple. In order to have a joint account, they require you to have two solo accounts, as well as a checking account. Upon receiving the email on the XXXX my fiance called Simple to see what the issue was. They notified her that by closing her personal checking account, this would also close our joint account as well. They told her that she should move money around as soon as possible so that we could have access to it. This was within 45 minutes of receiving the email. I immediately attempted to move all of our savings into our checking account so that I could transfer it to accounts we had outside of Simple. However, they had already locked down our money, not allowing us to transfer funds out, keeping the entirety of our savings locked away during a pandemic where either one of us could get deathly ill at any point. We also are getting married in a few months, and some of the money in our savings is earmarked for our wedding, bills which we would now have to put on credit cards, which we had hoped to avoid. The next day I called Simple and asked only two questions : Why was our account closed? When would we get our money back? Simple refused to answer both of those questions other than to say that they are allowed to close an account without cause at any time and that there was no timeline other than " as soon as they could. '' We also sent a message through their messaging system and were given the same, boilerplate non-answer. All we really wanted to know was when we would be getting our savings back. It seems that they think that this is their money, when in reality it is ours and they are holding it hostage.
Consumer complaint received 2020-01-03
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. (FL)

I am a victim of identity theft. I received a phone call from a bank about a loan that I had not applied for. That prompted me to pull my credit report to check for possible identity theft. I noticed that someone had been, and is still currently using my personal information to apply for credit cards and to open checking accounts. I CAN'T BELIEVE THIS!
Consumer complaint received 2020-01-03
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. (TX)

I have been disputing incorrect information on my credit reports since XX/XX/2019. A repossession remains on my report even though it has a balance of {$0.00}. I have disputed this account with the bureaus, and it still remains on my report. I would like for the account to be removed especially given the non-existent balance.
Consumer complaint received 2020-01-02
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)

i recently learned that my identity had been stolen, and someone, had been using my personal information, without my consent. Ive never lived at such addresses on my report, XXXX XXXX XXXX XXXX, XXXX, md XXXX XXXX XXXX, XXXX texas, XXXX XXXX, XXXX texas, XXXX XXXX XXXX XXXX XXXX texas, XXXX XXXX XXXX, XXXX texas, and XXXX XXXX XXXX , XXXX texas. ive detailed to the credit bureaus, about this information, creditors likke, XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX, these companies, i have no relations with, and have never beneffitted from their services. i have written the credit bureaus, asking them to remove this erroneous information, and to date have recieved nothing back from them. i have never given the credit bureaus my cosent, to place any of these, creditors information on my personal credit file. i need my good credit, badly as i am a full time caregiver for my mom, can anyone please help me.
Consumer complaint received 2022-12-27
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. (NY)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.