davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Karma (AR)

I went to try to get approved for multiple vehicles because Credit Karma showed I had a credit in the XXXX. Because of this information I attempted. I have received a notice from XXXX XXXX XXXX Corporation Fulfillment Department stating that at this same time of XX/XX/XXXX when Credit Karma stated I had a score in the upper XXXX that I actually had a XXXX according to XXXX. If I had known this was the case I would not have wasted my time, energy, or stress on myself or my credit. I have assumed multiple hard inquires that have further dropped my credit to a XXXX on Credit Karma which I would assume is in the lower XXXX. I feel wronged and misled and something should be done.
Consumer complaint received 2020-10-01
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: General Motors Financial Company, Inc. (CA)

I completed the lease term on my XXXX  XXXX  this XXXX. 
I have NEVER been late and I settled my end of lease commitments and I closed out my account with a XXXX balance. In XXXX, I received a {$30.00} bill from GMC Financial. I called GMC Financial and they said it was an error and to disregard it. I had XXXX balance. In XXXX, I received an alert from my XXXX  XXXX monitoring with a 30 day derogatory on my credit report. I call GMC Financial again and they said they would correct it. There were notes in the system from my previous calls already. They said they would fax me a letter to confirm and they never did. Again, in XXXX, I received another alert saying I was 60 days late for {$30.00} to XXXX XXXX. I called them again and they confirmed the notes in the system and agreed they were correcting the matter. They said they would fax me a letter and again, they never did. I've called and complained two more times after and finally I received a faxed letter saying I have never been late. See Attached. 

Yesterday, I was denied a my new lease vehicle because of the incorrect late payments reported by GMC Financial. GMC Financial ruined my credit and the ability to buy a new vehicle. The new leasing company is requiring XXXX down payment as a result of these recent late payments. GMC financial has affected my financial livelihood with their negligence and poor customer service. 
This is disheartening.
Consumer complaint received 2022-11-09
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: Experian Information Solutions Inc. (CA)

Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Experian has kept reporting the disputed account saying that the information they gave is precise, in which I seriously disagree. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I need the account corrected PRONTO : XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-14
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. (AL)

I recently applied for an apartment and I got denied. I do not understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that are not mine. I do not understand what is going on, but these items are not mine and the all need to be deleted from my credit report. US DEPT ED XXXX {$1700.00} XXXX XXXX XXXX XXXX {$300.00} USDEPTED XXXX {$1700.00}
Consumer complaint received 2020-10-01
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: CITIBANK, N.A. (NY)

I am writing to file a complaint against Citi Credit Card for failure to honor its Bonus Cash Back offer. I applied a Citi Double Cash Mastercard in XX/XX/2020. According to the approval notice, there is a {$50.00} Bonus Cash Back after {$500.00} in purchases within 3 months of account opening. I spent {$940.00} and {$870.00} in XXXX and XX/XX/2020, respectively. I have long met the offer requirements and I contacted Citi Credit Card 4 times regarding the cash back. To date, Citibank has not provided me the {$50.00} Bonus Cash Back. 
I contacted Citi representative in mid XXXX. The representative refused to give me the Bonus Cash Back. The representative stated that my current bill was past due meanwhile the bill was not yet due. On XX/XX/2020, I contacted Citi Credit card and the representative told me that the Bonus Cash Back would appear in the XXXX Statement ; however, there was nothing happen. On XX/XX/2020, I contacted Citi Credit Card. This time the representative told me that I still had {$430.00} left to spend and I had not reached the {$500.00} purchase requirement. On XX/XX/2020, I contacted Citi Credit Card, the representative told me that the Bonus Cash Back will appear in my account. As of XX/XX/XXXX, Citi Credit Card has not provided me the {$50.00} cash back. 
Citibanks offer appears to be misleading. I met the requirements in XXXX. Now it is XXXX, there is still no cash back. I contacted Citi four times. Of which, 2 out of 4 times, the representatives refused to acknowledge of my entitlement to the {$50.00} Bonus Cash Back. Citibank should provide robust training to its representatives on how to review customers accounts and be familiar with its new products instead of making bold and misleading statements on a black and white written offer. In addition, if the offer is invalid then Citibank should not advertise such offer to the public to mislead customers. When a customer makes a late payment, Citibank charges a hefty late fee. Citibank put my cash back on hold, what late fees and interest should they return to me?
Consumer complaint received 2024-03-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

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 2020-10-01
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Paypal Holdings, Inc (AL)

My name is XXXX XXXX and im trying to signup for venmo.com through XXXX and I have never done this before. however venmo will not let me signup it tells me I already have an account there when I try to put in my phone number and email. I need to have me account deleted so I can actually go on to venmo and create one. that is all I wish to do. my phone number is XXXX and my email is XXXX XXXX
Consumer complaint received 2020-10-01
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. (GA)

On XX/XX/2020, I sent via certified mail to Equifax demanding that they provide verifiable proof of several listed accounts. Equifax received this request on XX/XX/2020, and opened an online dispute as if I created the dispute online. There were several immediate notifications of verified accounts that came through within a couple of days. Nothing changed with these accounts and no information was provided how it was verified. 

On XX/XX/2020, I received a copy of my credit report with an explanation that the accounts have been verified. There was no proof of how they verified that the account was accurate and mine as per section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. They have repeated not provided proof from these companies and have let them continually reported inaccurate or accounts that aren't mine.
Consumer complaint received 2022-11-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Cedars Business Services, LLC (CA)

Cedars Business Services , LLC XXXX XXXX XXXX XXXX owed : {$900.00} or {$1200.00}? Not sure what the amount is. It keeps changing. 
Five years for the bill has passed, and XXXX XXXX sold this debt to Cedars Business Collection Service trying to collect profit. The date of the bill is XXXX. The statute of limitation for this collection has passed. 

XX/XX/2022, I requested the following information : Validation of Debt and a signed HIPAA form ( Health Insurance Portability and Accountability Act ). They did not provide a signed HIPAA release form, giving their company permission to not only receive, but to disseminate my information. In doing so, they are in violation of my rights under the HIPAA Law. 

I do not know why Im being charged. 
I have the right to written confirmation of the specific debt as well as the right to dispute it under the federal Fair Debt Collection Practices Act. I have a right to receive that information and request it in writing and review all the charges. 

Cedars Business Services , LLC did not : - Provide a breakdown of fees including all collection costs and medical charges or an itemized bill with a description of every single charge. They did not provide specific services received and the charges assigned to those services. 
-I requested an original invoice and receipt with my signature- They did not provide a copy of my signature with the provider of service to release my medical information. 
-Five years for the bill has passed, and XXXX XXXX XXXX this debt to Cedars Business Collection Service trying to collect profit. The date of the bill is XXXX. The statute of limitation for this collection has passed. 

I am demanding a cease on the collection of the following amount owed. 
1. {$900.00} or {$1200.00} for an unknown service
Consumer complaint received 2020-10-01
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC. (MO)

Select portfolio servicing did not attempt to collect a debt. This loan serviced is holding {$250000.00} of my proceeds with no one to pay!

I have been told by two representatives that the money will be returned. The first told me 5-7 business days, the next said 72 business hours and then from a response to a complaint I filed they called and said they would submit a request for a refund!? 
I want to know what is going why select property sent a {$250000.00} payoff to the title company and why they have MY proceeds
Consumer complaint received 2022-11-09
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: CITIBANK, N.A. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and XXXX credit bureau shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the XXXX and XXXX shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX, XXXX. XXXX Open Date XX/XX/2018 XXXX : {$0.00}
Consumer complaint received 2022-11-09
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: SYNCHRONY FINANCIAL (WI)

XXXX continues to not adhere to the laws set in place to protect consumers and need to be held accountable. 

I have asked on multiple occasion for your company to verify my alleged account and you have failed to do so. All I was was provided was a bunch of statements. I asked that you provide the specific methods in which you used to verify the alleged account. 

I was was sent a packet of statements as well as was told they DO NOT have a contract on file for me. No contract is grounds for deleting the account as they have no proof that I agreed to anything. And if they did have a contract, per the judgment in the XXXX XXXX XXXX XXXX XXXX, the Consumer Contract is not sufficient evidence of a debt. 

I hereby give your company notice pursuant to 15 USC 1602 ( k ) that your company never provided me an adequate notice which clearly and conspicuously mentions the pertinent facts of this transaction. Your company didn't even inform me about the cost of the alleged credit and the only evidence of the indebtedness was a computer generated agreement which you don't have.

Since adequate notice was not given as per the above-mentioned section, I couldn't understanding the meaning which is a violation under 15 USC 1602 ( k ). 

Also, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction, therefore possibly ( debt has yet to be proven mine ) made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices.

From your end I have not benefitted from this transaction which is again violation of 15 USC 1602 ( p ) According to 15 USC 1602 ( p ), The term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use from which the cardholder receives no benefits.
Consumer complaint received 2020-08-14
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. (NJ)

I bought 3 cars in the past months and the dealers Were running credit checks without my authorization. Calling Bank after the bank after bank hit after hit after hit. They destroyed my life. Theres over 60 hits
Consumer complaint received 2022-11-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (IL)

I had previously filed a complaint for this matter under OMPLAINT ID XXXX. After several weeks, the company contacted me and informed me that the problems had been resolved and that I could now use my account without reservation or any restriction. However, when I attempted to use my account and utilize the funds in my account that had been frozen since XXXX, 2022, I was informed that my account is restricted. 

I contacted their customer service and was again informed that my account is restricted. They are now demanding access to my bank accounts to verify my identity even though I had previously sent them my state ID on multiple occasions. This company has now refused and failed to allow me access to my money since XX/XX/2022. This is truly unacceptable and should be investigated.
Consumer complaint received 2020-10-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (MD)

I was charged for XXXX $ for my recent payoff of this loan in XX/XX/2020. The Welcome letter states clearly payoff statement charge is XXXX XXXX I have called multiple times and no customer service representative can explain why the charge is XXXX $ and what is the base for this charge, even the supervisor XXXX XXXX employee ID XXXX, called on XX/XX/2020 ) also don't know how the charge of XXXX $ was calculated and where is the base for this charge. Since this is not listed on the Welcome letter, this charge is not legitimate. I requested the loan company ( XXXX  LoanCare ) refund me with the over-charged portion. I emailed to XXXX on XX/XX/2020 with ticket # XXXX. I received response on XX/XX/2020 told me the issue was addressed. I emailed back on the same day and told them it was not addressed. On XX/XX/2020, I received response that my requested has been forwarded to the processing team. No further news ever since this email. I followed up on XX/XX/2020. Still no response. 
Please help me to contact the company to solved my over-charge issues. Ive called more than 5 times with more than half an hour each time, emailed them 4 times. I requested them to compensate me for my time spent on this issue and give me an official apology. 

Many thanks for your warm help! 

Best Regard
Consumer complaint received 2022-11-09
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. (CA)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, Experian, and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reported on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00} ; XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX ; US SM BUS ADMIN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX
Consumer complaint received 2023-01-07
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. (MO)

I am trying to get a statement as supporting documentation for my credit union to pay off this credit card. I have called to request the statement because the statements available to obtain are only until XX/XX/2022 and my bank needs a recent one. The rep at the credit card company said they dont have access to it due to them getting a new system. I spoke to a supervisor who put in a ticket to request the statement and I am still getting nowhere. They keep asking me to call for a payoff but my credit union needs a statement as supporting documentation.