davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-09
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: AMERICAN EXPRESS COMPANY (PA)

Hello, thank you for your assistance. 

Issue : I didn't receive advertised or promotional terms on AMEX Blue Cash Preferred card. Also, reporting that the offer was misleading advertising about the credit card ( terms weren't clear, couldn't find important information on the online approval process ) ( 1 ) I applied online at XXXX for AMEX Blue Cash Preferred : 0 % for 12 months, {$250.00} Bonus after {$1000.00} spent in 3mos time. AMEX card approved me online immediately on XX/XX/XXXX. ( 2 ) I called a representative around XX/XX/XXXX to inquire about the {$95.00} membership fee charged. We talked about the card 's fee ; We talked about the 0 % for 12 months, {$250.00} Bonus during that conversation. I decided to keep the card and not reapply for the Blue cash card that offered a {$150.00} bonus, 0 % for 12 months with no membership fee of {$95.00} : the monies earned would work out to nearly the same amount taking into consideration the bonus amounts and the membership fee. ( 3 ) I put the card on autopay and waited for the usual time for the bonus to record. ( 4 ) To my chagrin, I saw interest charged and have been trying to resolve with AMEX repeatedly with no resolution. ( 5 ) The representatives said there was a pop up online stating I wouldn't get the promo offer. I saw, APPROVAL, I didn't see anything saying not approved for promotion. I'm very savvy using promotional offers and I've never had this happen : BAIT and SWITCH. In addition, AMEX did not send a letter notifying me I wasn't approved for the promotion. ( 6 ) The interest rate AMEX is charging me is a whopping 25.74 %!!!! I would never knowingly agree to that interest rate. ( 7 ) After the original call, I've spoken to a total of 5 representatives including managers. Each time escalated. No resolution. Lastly on XX/XX/XXXX, I was promised a call back from an authority that could assist. No call back. 

Here 's a list of attempts to resolve issue : 1. Approx XX/XX/XXXX - inquired about card details. 
2. XX/XX/XXXX - Inquired about my promotion and reported interest charged instead of 0 %. Rep said to call back to follow up. 
3. XX/XX/XXXX - Followed up and spoke to XXXX, XXXX and, manager, XXXX who forwarded my issue to a resolution department. Mentioned at least a 2 week process at minimum up to 90 days. 
4. XX/XX/XXXX - Followed up again and spoke to XXXX and then escalated to, supervisor, XXXX. At that point, I was to be given to a higher authority to call me within 48hrs. No attempt was made. 

Thank you, XXXX XXXX
Consumer complaint received 2024-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/XXXX, I filed a complaint XXXX against Bank of America for unlawfully withholding the funds credited from my government paycheck resulting in numerous automatic payments being returned for insufficient funds including my mortgage from XXXX XXXX XXXX XXXX XXXX 

A representative from BOA contacted me on XX/XX/XXXX and assured me that all payments would be made and I would not be charge fees or penalties. 

On XX/XX/XXXX, I received a letter from XXXX stating my XXXX payment was overdue. I contacted them directly and advised that they had not receiced the payment from BOA. 

I called BOA and they advised that they had made the payment. Both BOA and XXXX advised they would investigate further to correct the error. I contacted XXXX several times without success and finally received an email which I found in the trash from " XXXX XXXX '' XXXX XXXX who stated that they had not found the payment. 

Today I again contacted BOA and had a 3 way call with myself BOA and XXXX. BOA stated again they were sending my request for an investigation up the chain on an urgent basis. I advised both parties that I did not want this to negatively impact my credit. XXXX advised it was marked late even though I requested that it was in dispute and BOA had advised them that the missing payment had been sent. 

My complaint is that BOA has not resolved all of the issues and impacts from the unlawful withholding of my deposit, they have changed my statement so that it does not reflect their mistakes/reversals so I am unable to check the accuracy of what they have done, nor do I have documentation of their errors which now have a far more significant impact on my credit, my mortgage and the fact that I have spent over 20 hours on the phone and filing complaints in attempting to resolve this error. 

XXXX has not been helpful as BOA says they have confirmation of the electronic transfer and XXXX will not establish the account it went our to. In addition, I am trying to buy another house and if they notify the credit agencies as they indicate they have done, my credit score will be significantly impacted for months. 

The entire system makes me want to go back to the mattress method of banking. 

Thank you! 

XXXX XXXX
Consumer complaint received 2023-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC (CA)

I pulled my credit report and noticed a few accounts that were not mine nor did I apply for this. Density card. XXXX XXXX XXXX as of today 's date both are not belong to myself
Consumer complaint received 2020-03-09
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. (AR)

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. 

XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$320.00} XXXX XXXX XXXX XXXX {$330.00} XXXX/XXXX  XXXX {$310.00}
Consumer complaint received 2020-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. 

XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$320.00} XXXX XXXX XXXX XXXX {$330.00} XXXX/XXXX  XXXX {$310.00}
Consumer complaint received 2023-02-13
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2020-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I reported a dispute to Equifax regarding XXXX XXXX. I called XXXX XXXX first to work out reporting. They state my account has been closed since XX/XX/XXXX. ( verified verbally as well as the XXXX  tracking on the check sent to them ) Yet, they reported to all bureaus that it was open. They received a check for {$22000.00} which is in excess of the XXXX payoff amount due. Proof attached, verbally stated it is good through XX/XX/XXXX the date the check was received.Then they stated to all bureaus that my debt amount owed to them was XXXX ( the amount of the check ) which caused a 34 pt. decrease in my credit score. Proof attached. 

This is troublesome for several reasons - unfair, incorrect reporting. Credit damage. Reporting an account as NOT closed yet agreeing over the phone it is. Appearing to intend to keep the refund owed due to cancellation of the warranty. Contract states it is owed to me ( Illinois provision ).
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT. OF EDUCATIO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion is reporting incorrectly a past due amount of {$1700.00} on the XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid-in-full and needs to report a {$0.00} balance. Attached are the Order of Dismissal and Settlement documents proving this account has been paid-in-full. This false reporting is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

The company XXXX XXXX XXXX XXXX ) contacted my Husband on XX/XX/XXXX to tell him that I owed a debt on my XXXX ( XXXX ) and that it has not been paid and if its not paid in full they are going to take our house and file papers to sue us both for the money due. My husband contacted me to have me call them ; they told me that the debt I owed was sent to them from the owner of my account because the payment arrangement I have be making to the company I owe XXXX XXXX XXXX XXXX XXXX ) was not enough to cover what was due and they we're here to settle the matter with my account ( ( arbitration ). The Lady I spoke to told me what my settlement amount was, and what I original owed ( and she proceed to read me my Social security number ) and said if I did not take care of this today that the next day they were schedule to send my papers for court filings for the full amount of {$8000.00} ( after my car was repossessed back in XXXX how much I owed ). The lady then ask me how much I can settle for ; I said {$900.00} maybe, she said okay! I then ask can they do that Amount? she said give me your credit card number and I can check ; then she put me on hold for about 15 min then told me that I would be sent documents that I needed to sign that shows the debt is Paid in Full and no further action can be taken against me for this matter. After I got off the call I was So upset because I felt that if I made arrangements with the Original debt collector XXXX XXXX XXXX XXXX XXXX ) they should have never sent me to a third party to collect all the money at once. I then called the Original debt company XXXX XXXX XXXX XXXX XXXX ) who I am making my auto payments to and told them that it was not fair that they sent me to arbitration to try to collect all the money when we had an payment arrangement ; they proceed to tell me that they Do not and Did not do such a thing and that someone just scammed me ( falsely took my money ) because they are the ONLY owners of my account and no one else has right to collect money on it nor did they send me to another party to collect my debt. I have reported this to the Attorney General ( XXXX XXXX XXXX ) This company is the not a legitimate company because they are collecting on debt that they are not the owner 's of. They need to be should be Sued for falsely misrepresenting and need to be dissolved. I would like an investigation on them and all need all my money sent back to me. 

I did not receive any service from this company, because I still owe this debt and the Credit card company does not want to refund my money
Consumer complaint received 2020-03-09
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: EQUIFAX, INC. (AR)

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. 

XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$320.00} XXXX XXXX XXXX XXXX {$330.00} XXXX/XXXX XXXX {$310.00}
Consumer complaint received 2022-10-03
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. (MA)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-02-13
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. (PA)

XXXX ACCT # XXXX Date Opened : XX/XX/2014 I did a thorough investigation myself and noticed various inaccuracies. I have already tried fixing this problem with the company. 

In accordance with the Fair Credit Reporting Act XXXXt Account # 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 an account without my written instructions.

15 U.S.C 1666b A Creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.
Consumer complaint received 2021-03-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Did an adjustable mortgage in XX/XX/XXXX with XXXX XXXX XXXX XXXX who apparently wasnt licensed at the time to do business. They were not licensed until XX/XX/XXXX 5 months later. ( without my knowledge ) IN XXXX i refinanced with XXXX which should have paid off XXXX XXXX XXXX XXXX ( Until a few years ago I assumed they had been paid ) However apparently XXXX went out of business and never paid off XXXX XXXXt. XXXX seems to tell me they bought lenders direct loans that XXXX was apparently servicing. ( I dont believe that chase bought lenders direct mortgages at all ) even though my mortgage was with XXXX only because of my refinancing. XXXX was fined for trying to say they bought XXXX loans in XXXX. I dont have my HUD records as they were destroyed in a flood at my home. Now XXXX keeps telling me they were only the servicer and XXXX XXXX was the owner of the XXXX XXXX XXXX. Is there a way to find out who really bought XXXX XXXX XXXX XXXX loans even though my loan was done fraudulently without a mortgage license. Im tryng to get to the bottom of this fraudulent mortgage fiasco.
Consumer complaint received 2020-03-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: World Acceptance Corporation (TX)

I had some issues with my car and had to put {$2000.00} down on a new one. Causing me to be behind on Bill 's. I contacted World finance and said I would make the payment as soon as I could. They continue to call everyday to my references and work place and even told my references that I was behind on my payments. They violated my privacy and have caused issues at my work. XXXX at world finance in XXXX texas has been out of hand. And i refuse to contact them because of it.
Consumer complaint received 2020-03-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CURO Intermediate Holdings (OH)

I took a loan from speedy cash/repid cash in XX/XX/XXXX and they just cashed a check for the payoff amount on XX/XX/XXXX. The collection agency that this was reported to made no attempt to contact me by phone.
Consumer complaint received 2023-02-10
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. (IN)

I was just looking over my credit report and found some addresses that appear to be incorrect. I have already requested this information to be deleted and I've submitted documents showing my current address on XX/XX/. I still see incorrect addresses listed ( which I would like removed please ) : Incorrect Addresses : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX There should only be one address listed on my report, which is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. Please refer to the recently submitted documentation for the correct spelling of my name as well. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : Incorrect Names : XXXX XXXX There should only be one name listed on my report, which is : XXXX XXXX XXXX ( Not in all capital letters, I am not a corporation, I am a living human ) Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report
Consumer complaint received 2020-03-09
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. (IL)

The following entity is reporting to the normal credit reporting bureaus that I have an outstanding real estate loan with their organization : XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, SC XXXX XXXX, ( XXXX ) XXXX. After seeing the reporting for the first time on Saturday, XX/XX/2020, I immediately contacted them and confirmed they have absolutely no record of me in their systems. It may be they are including me in their reporting of my ex wife 's mortgage. To be clear, I was NEVER on any loan associated with her current residence, even though the same was purchased during our marriage. I have asked both XXXX and XXXX to cease this reporting and they continue to simply send me to the other entity.
Consumer complaint received 2020-03-09
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. (MS)

I received a call from a collection company stating about a debt I owed on tv service. I have never applied for tv service. I quickly opened with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX XXXX  XXXX {$440.00} XXXX XXXX  XXXX {$300.00} XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX   XXXX {$2700.00} XXXX/XXXX  XXXX {$510.00} XXXX XXXX XXXX XXXX {$440.00}
Consumer complaint received 2020-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I received a call from a collection company stating about a debt I owed on tv service. I have never applied for tv service. I quickly opened with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX   XXXX {$2700.00} XXXX/XXXX  XXXX {$510.00} XXXX XXXX XXXX XXXX {$440.00}
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (MS)

This company is reporting inaccurate and incomplete credit information.

I am distressed that they included the information below in my credit profile, and that this company have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports they publish.

Credit reporting laws ensure that bureaus report only 100 % accurate credit information.

Every step must be taken to assure the information reported is completely accurate and correct.

The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : Name ; XXXX XXXX XXXX : XXXX The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six month, or the last 2 years for employment purposes.
Consumer complaint received 2024-03-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (OH)

I have a XXXX $ car loan I was not able to pay off, I still get calls on it. I was young and didn't have credit at the time of purchasing my first car. I contacted the bank several times for help, with no help. Stated that they had no option for me. Threatened to even take my car. I eventually got in a wreck and my car was deemed totaled. I was informed I purchased gap insurance through the company I got the car, they told me I did not get it, even though I was quoted for it and asked for it specifically when purchasing the car. I still owe on the car and I no longer own the car at this point.