davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-13
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 (NC)

Went to American Express Website to Open Card. 
Started Application for Delta Business Gold card. 
If you aren't eligible for the Signup Bonus, you will receive a Pop-Up message from Amex on the screen stating that you are not eligible. 
I didn't receive the Pop-Up message, meaning I was eligible for the bonus. 
I proceeded to fully submit the application, and was approved. 

Terms stated I had 4 months to meet the required minimum spend of {$3000.00}. I met the spend within the 4 months. 

I should have received XXXX Delta Miles, but did not.
Consumer complaint received 2019-02-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

I had two negative debits in XX/XX/2016 while going though a divorce. I paid both with settlement offers. One debit for XXXX XXXX XXXX  act # XXXX original amout owed {$3700.00} gave me a XXXX for the amount not paid in the settlement which was claimed on my taxes as income earned. I also had a XXXX XXXX debit act ending in # XXXX original amount owed {$2300.00} settled with a collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Now a company called Portfolio Recovery Assoc. LLC shows both as negative on my credit. I have reached out to them with proof of payments either with the XXXX and with the letter from XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX with the settlement offer, cleared check and letter from them stating that the debit was settled per agreement and closed. 
Portfolio Recovery responds that they will not remove these from my credit and they want to make payment arrangements with them. I would like these removed from my credit since I paid them in XX/XX/2016 in agreements with other companies. I can submit proof.
Consumer complaint received 2018-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (LA)

XXXX  credit card reporting incorrect information on credit report. Reporting debt owed is XXXX. 2017 income tax XXXX form sent with cancellation of debt balance {$1600.00}. Company is still reporting an incorrect balance. Debt has been filed on incmoe tax and penalty cost have been added to taxes, filed on my behalf as additional 2017 income. Please have company update all credit bureaus with accurate information immediately. Thank you in advance.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (TX)

I am writing to formally lodge a complaint against XXXX and XXXX regarding their unlawful actions and inaccurate reporting of my credit account with GM Financial. Despite my repeated efforts to rectify the situation, XXXX has persisted in reporting my account negatively even after I filed a XXXX  of XXXX with GM Financial. This has resulted in severe harassment, bullying, and an inability to terminate my contract without further detriment to my credit report. 

My grievances against XXXX are outlined as follows : 1. Violation of Consumer Rights : XXXX and XXXX 's actions flagrantly violate my rights as a consumer, as outlined in 15 U.S Code 1635. Despite my exercise of the right of rescission by filing a Recession of Contract with GM Financial, XXXX has continued to report my account negatively, obstructing my ability to exercise my legal rights. 

2. Inaccurate Reporting : XXXX and XXXX persistently reports me as late on payments to GM Financial, despite my consistent and timely payments with no outstanding dues. This erroneous reporting has marred my credit history and exposed me to unjust financial penalties. 

3. Harassment and Bullying : XXXX and XXXX 's continuous negative reporting has subjected me to relentless harassment and bullying from GM Financial. Despite my XXXX XXXX XXXX, GM  Financial refuses to acknowledge it and insists on penalizing me for fictitious delinquencies, causing significant emotional distress and financial hardship. 

Furthermore, on XX/XX/XXXX, XXXX and XXXX reported a late payment to XXXX XXXX and XXXX, despite my timely payment of my car note. This action egregiously violated my consumer rights. Although XXXX and XXXX corrected the status the following day, my XXXX XXXX on XX/XX/XXXX erroneously shows late payments of XXXX days, causing me considerable mental distress. 

I am invoking my rights under 15 U.S. Code 1640 and 12 CFR Part 1026 ( Regulation Z ) to seek civil liability against XXXX for their unlawful actions. 

I urge the Consumer Financial Protection Bureau to promptly investigate this matter and take appropriate action against XXXX for their flagrant violations of consumer rights and inaccurate reporting practices. Additionally, I request that XXXX be compelled to rectify the inaccurate information on my credit report and cease all further harassment and intimidation tactics. 

Attached is relevant documentation, including correspondence with XXXX, XXXX and GM Financial, to support my complaint. Please feel free to contact me if additional information is needed. 

Thank you for your attention to this urgent matter.
Consumer complaint received 2022-11-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I called to speak to an agent to fix the problem, I also sent certified letters and their customer service would not help and take care of the negative inquiries reporting to your credit report. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: MoneyLion Inc. (WA)

On dates XX/XX/2019, XX/XX/2019, XX/XX/2019, and XX/XX/2019 I submitted requests to liquidate my account and have the funds transferred into my linked bank checking account. They did not process any of those requests and insisted I continue to submit requests via their app. So I did. It is not one month since my initial request and the funds are still with MoneyLion and not with my linked checking account. I called today XX/XX/2019 and they informed me that it will take an additional 3-5 business days for them to escalate the issue and an additional 7-10 business for them to liquidate my account again and an additional 3 business days for the ACH transfer to process. a total of an additional 18 business days on top of the one month that has already lapsed. This firm is holding my money without my consent and I need access to it immediately! This company needs to be investigated.
Consumer complaint received 2020-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NJ)

I had a credit card balance transfer rate with Comenity Bank Mastercard with 0 % interest until XX/XX/XXXX. I paid this balance off on XX/XX/XXXX before the 0 % promo rate expired. In fact, I overpaid this account by {$100.00} and they sent me a refund check for the {$100.00} on XX/XX/XXXX. 
They then decided to start charging me interest and late fees after the account was paid off and had a {$0.00} balance. 
I have correspondence with several customer service reps from the bank. One agent took off the {$28.00} late fee and another stated he would XXXX  my account out however this still hasn't happened. ( see attached email stating he would XXXX  out my account ). 

In turn they are calling me, texting me and harrassing me for having a {$30.00} balance which I do not owe. 

I have called numerous times and get nowhere. I don't need this mark on my credit report. 

I am attaching a copy of my XXXX statement of a WARNING NOTICE in RED that states I need to pay my balance of {$1700.00} by XX/XX/XXXX or I will be charged interest. It will show on my XXXX statement ( also attached ) that on XX/XX/XXXX I made a payment of {$1800.00} ( {$100.00} more than I owed ) and that on XX/XX/XXXX the bank sent me a refund and also charged me interest, even though the balance was paid off on XX/XX/XXXX, 4 days before the promo 0 % interest rate expired. 

I am also attaching the email from the agent who said he made my account balance {$0.00} however that is not the case.
Consumer complaint received 2022-12-27
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: WELLS FARGO & COMPANY (CT)

I made a purchase on my Wells Fargo credit card on on XX/XX/2022 for {$3200.00} to a merchant called XXXX XXXX design. I ordered tee shirts to be designed. They were supposed to be ready for pick up in 2 weeks, by XX/XX/2022. The merchant kept giving me the run around and by XX/XX/2022 the shirts were still not ready. I initiated a dispute with Wells Fargo on that date. I submitted my statement, correspondences with the merchant and pictures of the closed business. I was told that the merchant would be given 15 days to respond. The merchant did not respond. After the 15 days, I reached out to Wells Fargo again and was told that the merchant would be given another 30 days to respond. The merchant did not respond. I have made repeated calls to Wells Fargo bank to follow up on my dispute. It had now been 2 months, over 60 days since I have disputed the charge. I called today, XX/XX/2022 and spoke with a supervisor, XXXX. She said that Wells Fargo has been backed up and my formal claim had not ever been submitted. She said that would be done today and I my claim would start today. I am expected to wait another 30 days. That would mean this dispute would have taken 90 days to be resolved. That is unreasonable and unacceptable. I am requesting a permanent credit of the dispute charge to my credit card account.
Consumer complaint received 2022-12-27
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC (TX)

The lease term for the XXXX BMW was for 36 months. 
The monthly payment was {$1000.00}, equaling {$36000.00} for the full lease term. 

The {$51000.00} balance as of the recovery rate on the document is incorrect. Being a LEASE and not a financed vehicle, I am not responsible for the full balance of the cost of the vehicle. I am only responsible for the 36-month lease. 
Of the 36-month lease, I paid - {$13000.00} not including the trade-in of the XXXX BMW valuing {$8700.00} XXXX 

The total amount I paid into the Lease was - {$21000.00}. 
The full lease term was {$36000.00} {$36000.00} - {$21000.00} equals = - ( XXXX XXXX. 
_____________________________________________________________________ The Action recovery amount BMW received for the vehicle was {$33000.00}. 
Plus {$21000.00} I paid into the lease Not to mention the {$19000.00} in fraudulent deficiency balances. 
The attempted recovery of this vehicle is over {$74000.00}. 
MORE THAN THE ACTUAL COST OF THE VEHICLE {$51000.00}.
Consumer complaint received 2020-01-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (MA)

There was a dispute sent to Resurgent Capital on my behalf for 2 accounts listed under their name to verify debt and accuracy of collection account. They've sent a letter on refusing to investigate as per FCRA requirements.
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX  - XXXX BANK Account # 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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (TX)

This Santander Consumer is reporting 90 days of being late, which is absolutely false. All payments were made on time or early as I had automatic payments. The account has been paid in full for a couple of years, but this still impacts my credit. The company needs to correct where they state I was late.
Consumer complaint received 2019-02-13
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. (GA)

There are inquiries from XXXX and XXXX XXXX on my credit reports with all 3 bureaus from fraud that was perpetrated in XX/XX/2018. They are weighing on my credit score and I believe XXXX reported me as having a delinquent account that doesnt belong to me. I was one of the effected by the equifax data breach my family and I keep getting calls from spam numbers asking for personal information. 

XXXX county sheriffs case # XXXX
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: The Receivable Management Services LLC (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. Receivable Mgmt Svcs LLCXXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

And according to 15 USC 1681eb they are supposed to ensure this whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Kindly update or remove the following items that are harming my credit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-20
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: Global Lending Services LLC (FL)

This dealership XXXX XXXX ( located in XXXX, Fl ) is completely dishonest. They will do anything to make a sale or profit. Even if they have to lie to you. Prior to making the purchase on XX/XX/2023, my husband and sat down with their finance guy XXXX and had a chat with him prior to signing anything and prior to making the purchase. I specifically told XXXX that i'm okay with making the purchase in cash but him and the sales guy XXXX continued to convince me to apply for credit with them telling me I need to build credit and so on. I specifically asked him how my credit would be affected if I decided to go ahead with credit. I told XXXX and XXXX that I will not authorize or give my signature for a credit check if it results in more than 2 hard inquiries on my credit report. XXXX then promised me and assured me that it is only going to be 2 inquiries from XXXX XXXX XXXX and it will NEVER be more than 2 inquiries and I have nothing to worry about and that I should go ahead and sign to authorize him to do the credit check. He assured me of this over and over. I then went ahead and signed. I got home and saw 7 inquiries on my credit report. He knowingly lied and mislead me for my signature. I gave him a call and he denied it at first claiming that it's only two inquiries and I then told him that I can very CLEARLY see 7 inquiries on my credit ( from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Global Lending Services ) and only then did he finally admit it, claiming that he made a " mistake ''. A few days later, his manager XXXX explained to me how the credit check process works and it was pretty clear that he knew what he was doing and it wasn't a mistake. He just wanted to do whatever it took for me to get a loan with them so they could profit. After that, their sales manager XXXX claimed he was going to make this right and he was going to help me get the inquiries removed. A month later I told him that the bureaus just want a letter from the dealership detailing the mistake and asking to remove the inquiries and that would be the end of this entire situation. But for some reason, at that point he began to deny their mistake and began refusing to assist with the letter to remove the inquiries, and he was claiming that he thinks i'm recording him. Which is ridiculous. I don't understand why they're so worried about fixing this mistake. Why they're paranoid about being recorded even though I was not recording them. Something very shady is going on with that business. That is clear.
Consumer complaint received 2023-07-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

On XX/XX/2023 a loan officer conferenced in an employee from your company regarding my disputed claim about a delinquent account reported to the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ). That was the first and only contact I have had with your company ; although your employee alleged someone spoke to your company the day prior XX/XX/2023. At this time I respectfully request your company to remove all and any defamatory information from the credit bureaus as it is invalidated and unbeknownst to myself. It was only reported as of XX/XX/2023 with no prior contact therefore I can not be delinquent on any such alleged debt as I have not contracted with Portfolio Recovery Associates and no notice or payment requests have been received.
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (MI)

Twice I have applied for credit cards with companies attached to citibank. Best buy and home depot. 

Them approve me for the credit card then i go to use it and its denied. I call the company they say we cant verify your information like phone number address etc. And its the same i applied with. 

Its quite infuriating and i feel like im being harrassed. They say i have to wait for a letter in the mail then call them back. Ive been waiting for a letter now for 4 months. and every time i call them they tell me the same thing. 

I believe citibank is just getting peoples info for what ever reason for no reason apparently.
Consumer complaint received 2023-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (CA)

XX/XX/2023 : Fraud alert placed on my credit card. 
Called the number listed and was asked to verify my phone number and secret word on the account. Both were matched. 
Then I was told my cell phone number could not be used to send out a code to verify my identity. 
I was then asked a barrage of personal questions, such as my maiden name, my mother 's maiden name, what other Citi accounts I have. 
They then asked me for another phone number or another person 's phone number to send a code to. I don't have another phone number and did not provide another person 's number to them. 
None of my answers worked, and none of that information was included in my application, so how would that be used to verify me? This in itself seems fraudulent. Where is that information being check against, and where is it now stored? 
Finally I was told I would have to wait for 5 to 10 days to receive a letter in the mail with a code and instructions to unlock my card. 
XX/XX/2023 : Made another call to see if I could get this resolved. The exact same process began again. Once she told me she could not send the text message, and started to ask for other personal information, I told her I was done with the call. 
I have since done an online search and found that there are hundreds of people going through this and it has been happening for a very long time. 
This is an unethical practice and in no way in the best interest of me and others as the customer.
Consumer complaint received 2023-07-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (FL)

Contacted TSI after realizing they placed a debt on my credit reports ( XXXX ) of a balance {$10000.00} from my past landlord XXXX XXXX XXXX / XXXX XXXX XXXX XXXX This was paid in full through Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It is now fraud, due to XXXX XXXX XXXX ( landlord ) not crediting the full payments to my account.