davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-11
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: Bread Financial Holdings, Inc. (FL)

XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX The above company is reporting an account on credit report that is not accurate and I have no knowledge of the account. Comenity/LandsEnd started reporting and account XX/XX/2022 with {$8200.00} limit with a $ XXXX balance with no payments. I have never opened this account and have always made payments on time 100 % of the time. Credit rating went from XXXX to XXXX. I work in finance and livelihood depends on maintaining my good credit rating. When disputed through XXXX only response received was Your account. Tried multiple times to dispute the account with XXXX themselves and try and get them to flag account however after countless calls waiting on hold for XXXX minutes to hours each time no one ever answers.
Consumer complaint received 2023-01-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I applied for a home equity credit line on a fully paid house in XXXX XXXXXXXX XXXX  after a provisional approval I was denied credit on the basis of : -Temporary or irregular employment -Value or type of collateral not sufficient I believe the Bank did not treat me fairly and did not take into account all the information. 
On the temporary employment issue : I worked non stop from XXXX when I came here to the XXXX to XXXX a master in real estate which I successfully completed. In XX/XX/2022 I joined XXXX where I am currently employed with a respectable position and salary. 

On the collateral issue : The Home equity line I subsequently requested, was for XXXX secured by a house value by the Bank at XXXX. Furthermore, I hold assets with the same Bank overseas in excess of XXXX therefore their reasons are not very solid hence my claim of unfair treatment. Please do not hesitate to contact me for any questions.
Consumer complaint received 2017-11-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

XXXX XXXX/RESURGENT is a collection agency account no.XXXX appearing on my XXXX, XXXX and XXXX credit bureaus.the original creditor is XXXX.The XXXX  account had numerous unauthorized charges.After notice in conversation with XXXX the charges remained.Without resolution XXXX continued the fraudulent charges escalating the bill.
Consumer complaint received 2023-01-10
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (IL)

On XX/XX/XXXX I called/Disputed a collection letter in the amount of {$1400.00} with XXXX XXXX XXXX I never received information provi g I owed the debt. Today, XX/XX/XXXX I received another demand letter in the same amount. I called and spoke with XXXX, and then supervisor XXXX XXXX they both said the call in XX/XX/XXXX was put in dispute, yet this letter has a new account number. I explained that since both letters were for the same amount they were the same attempt. They once again claimed to put this one in dispute.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the unresolved issue of fraudulent items on my account. This marks my multiple attempts to rectify this issue, and it is essential to address this matter promptly and effectively. 

I want to stress that the persistence of these fraudulent items is causing me significant distress and financial hardship. It has also eroded my trust in Credit Bureaus, which I had previously regarded highly. As a loyal customer, I expected a higher level of service and security, which has been lacking in this situation. 

I kindly request that you take immediate and comprehensive action to investigate and rectify this matter. I expect a prompt response, detailing the specific steps your company will take to address the issue, as well as a clear timeline for the resolution process. Additionally, I urge you to strengthen your security measures to prevent such incidents from happening in the future. 

If my concerns are not addressed satisfactorily and promptly, I may have no choice but to escalate this matter further, which may involve seeking legal remedies and notifying relevant authorities about the fraudulent activities associated with my account. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX Balance : {$3300.00} XXXX XXXX XXXX Balance : {$3300.00}.
Consumer complaint received 2023-01-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: The J. G. Wentworth Company (WI)

My telephone number is alleged to systemically connected, wherein, if I make a inquires online someone will call me instantly before I am able to logout and believe this system may be connected by groups of attorneys/people/hackers and maybe some government agency associations, that may monitoring my telephone that tends to alert to discriminate and hinder especially when connecting financial institutions, as it seems to systemically discriminate which is troubling because the FBI is slow on protecting our constitutional Rights due discrimination. My case in point is below : I received an email from JG Wenthworth inviting me to apply for loan and debt relief online and upon filling out the application online someone called me as I was submitting my application. ( copy attached ). 

Upon answering my phone, they hung up on me... So I called the number back at ( XXXX ) XXXX as appeared upon the caller ID and received multi hang-up. Then as I was calling back the " XXXX '' number a ( XXXX ) XXXX called during that call and was the parties in complaints herein " JG Wenthworth for clarity in application. That JG indicated they had my request/application and needed to pull a soft credit check to confirm my application and asked for my address and last 4 of Social Security Number. ( Copy of call history ). 

They stated they have two ( 2 ) programs to offer, one was a loan so that I can pay down my debt and the second ( 2 ) was a debt relief program according to my debt as reported upon the soft report for about {$14000.00} debt. He then indicated he would negotiate payments and close all my accounts with a monthly payment of {$300.00}. 

I responded that I do not want to close all my accounts and that I select to proceed on the 1st option. Wherein, I was told, I would never get a loan because my credit score is low. I then requested the minimal credit score needed to proceed, so that I could make some credit improvements to move forward. JG Wenthworth responded that take a lot of things inconsideration, such as, work history and income and I could never qualify because of my credit score.

I then requested what credit score do I need so that I can move forward and please send me ECOA or FCRA notices so that I could move forward in improving my credit to move forward, and they hung up on me and continued to hang up thereafter. 

I then called the JG Wenthworth from XXXX for a number from their website and called ( XXXX ) XXXX, and spoken with representative named XXXX with my request for credit score needed and she responded she dont work in that department and worked in the debt recovery/solution dept. She then given me a file number # XXXX upon my request and indicated that I must have spoken with XXXX XXXX and she would have someone call me in the department that could give me the requested information ( credit score needed ), No called me back and I allege bias.
Consumer complaint received 2023-03-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (WA)

On XXXX, XX/XX/XXXX in the morning I was able to use the card just fine. This is an account I've had open for some time and have my paycheck deposited onto. Then, I received an email advising that my account was suspended. When I tried to call, I received the following email without ever even reaching a human being : Hi XXXX, During our recent review of your Serve Prepaid Debit Account, we identified Account activity that we believe violates the terms of the Consumer User Agreement. 

As a result of such activity, and pursuant to Section 15 ( d ) of the Consumer User Agreement, your Account and your Account privileges have been permanently suspended. 

If you have any questions or would like to inquire further, you may write to us at the following address : Serve Customer Care XXXX XXXX XXXX XXXX, GA XXXX Thanks, The Serve Team I don't understand this. The last purchase I made was to send myself a few packages, as I am in the process of a cross-country move and have a XXXX and need to do this as opposed to using a XXXX  ( I don't know if this flagged some sort of activity- shipping parcels? ). I have paychecks directly deposited onto my account. I had to immediately connect with my employer to have my direct deposit cancelled. I've had funds left on the card. I have no idea what happened or why. I reached a representative and was told to call XXXX with no explanation or anything.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
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 2022-12-14
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2017-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

XXXX XXXX, 2017 I turned in my vehicle to XXXX because it was being bought back under the lemon law. I was issued cashiers check for {$45000.00}. 

I immediately went to union bank branch but it was already closed. So I used atm to deposit cashiers check at XXXX XXXX. 

Today on XXXX XXXX, I spoke to union bank and they informed me that a 10 days hold was placed on check, that no funds would be available until XXXX XXXX. 

I have to go to XXXX with my family tomorrow, as well as it is my birthday tomorrow. I have no vehicle now, had an appointment to get a new car today but obviously dont have the funds for it now. 

On the XXXX I have court and wont be able to go to that. Then on the XXXX I am going on vacation but wont be able to do that now either. 

How can union bank refuse to release any. Of my funds whatsoever, all they have released is {$200.00} dollars. My XXXX and birthday is about to be ruined.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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.

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 wh
ich 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 2023-01-31
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. (SC)

I discovered that 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 Equifax and XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX  Balance : {$930.00} XXXX XXXX XXXXXXXX Balance : {$920.00}
Consumer complaint received 2024-03-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am deeply disappointed by your failure to address the inaccuracies on my credit report, despite multiple requests and confirmations from XXXX and XXXX XXXX XXXX. Your disregard for the Fair Credit Reporting Act is unacceptable. Rectify these errors immediately, or I will have no choice but to file suit against your company for non-compliance. 
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 2019-09-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GreenSky, LLC (DC)

In XX/XX/XXXX my husband and I purchased new windows from XXXX XXXX. The sales representative for this window company offered us interest-free financing for 18-months through them. We agreed that this was a good deal, made a down-payment and signed up for the financing. 

There were production delays and the windows were installed in XX/XX/XXXX. A few weeks later Greensky called us to say our account was about to be past due. We explained that we hadn't received a statement. Immediately made a payment over the phone and signed up for automatic payments. We called XXXX XXXX to report that we were about to be charged a late fee even though we didn't have a bill. At the time that we made the payment I confirmed with the Greensky representative that we had 0 % interest on our loan until XXXX. I asked what the balance was, divided that by the number of payments between that date and XX/XX/XXXX and set up automatic payments in that amount so that we could get the maximum benefit from the promotion. 

In XX/XX/XXXX I saw a statement for our loan from Greensky indicating we had paid {$52.00} in interest this month and {$200.00} since the loan originated. It listed an APR of 24.99 % while also saying in bold that we have a promotion until XX/XX/XXXX. I called Greensky on XX/XX/XXXX and a representative explained that to this company " promotional rate of 0 % '' means that we will pay interest for 18-months and then the interest will be refunded to us at the end of the promotional period if we have paid our loan in full before then. 

This is obviously not what 0 % interest means. No-interest does not mean that a company will charge you, invest your money, and then return you that money minus any profit they made off it. This is an unethical and irresponsible business practice. 

I appreciate your efforts to look into this and to stop irresponsible lending by this company.
Consumer complaint received 2023-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I have an issue with a 0 % balance transfer offer from Bank of America. This is the first time I accepted a 0 % offer for a credit card that I actually use ( I actually have to use it in order to take advantage of the deals with co-branded company, in this case XXXX XXXXXXXX. ). 
After transferring, I made a purchase. I was charged some interest on this purchase. After calling in about it, I was told by Bank of America that all I needed to do was to pay off any purchases immediately, and pay the minimum balance on the card ( which is based on the balance transfer ). I was told that if I did this, the interest would be minimal. 
To my great surprise, When I booked my airline tickets, and paid the exact amount of the tickets on the card account, I was charged a total of ~ {$28.00} over two months. When I called back, the agent told me I should just avoid using the card for purchases ( again, that is not possible because I HAVE to use that card to take advantage of a yearly offer with XXXX XXXXXXXX for a {$99.00} companion fare ). 
She explained ( as did a manager when I escalated to get the interest refunded- and did not ) that even though I processed the payment the XXXX day that I charged it, the interest is based on the whole billing cycle of 30 days. 
I find this very deceptive and unintuitive, that if I am basically taking a 1-day loan from the bank, they are going to charge me one month of interest. Of course this is detailed in the fine print, but I don't read 20 pages of fine print. A regular credit card does not work this way. If you pay the balance, you don't pay interest. 
Why does Bank of America even offer a 0 % offer on a card that people " must '' use as it is a co-branded card where you need to use it to get the deals? It is basically a trap to get excess interest fees. 

Here are the related charges and interest fees as they show up on the statement : XXXX Statement ( XX/XX/XXXX ) XX/XX/XXXX : Travel insurance charge : {$79.00} XX/XX/XXXX : Payment I made ( they reflected even before the charges below ) : {$190.00} ( minimum payment for the month ) XX/XX/XXXX : Payment I made to cover the Travel insurance and Flights : {$1300.00} XX/XX/XXXX : XXXX XXXXXXXX charge : {$1100.00} XX/XX/XXXX : XXXX XXXX charge : {$150.00} XX/XX/XXXX : Interest charged ( which was refunded when I called in ) : {$3.00} XX/XX/XXXX : {$24.00} interest charge Just to make sure it's clear, I was charged a total of {$24.00} on a loan of XXXX that I actually paid off ONE DAY BEFORE it was even charged to the bank ( so in reality it wasn't even a loan as I paid it before Bank of America even sent it to XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-16
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. (IL)

I had contacted XXXX, XXXX and Experian to remove inaccurate addresses as well as other inaccurate information such as closed accounts or creditors that i did not have. Experian has not and will not remove inaccurate information from credit report after multiple calls regarding this matter. Now things are being reported to XXXX, XXXX and Experian neglect their duties and trampling my rights under FCRA. I've been a victim of identity fraud multiple times and it has been documented with all three bureaus. I truly need your assistance in this matter. thank you
Consumer complaint received 2022-05-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (FL)

1. i tried to open an investment account with Chase Bank . my account was denied becase Chase claims i owe money to Chase, but refuses to provide any evidence of the debt. Chase also refused my repeated requests to fix the problem and correct their records, insisting that i owe money to Chase, while refusing to identify what amount i owe and for what contract it is owed. 

2. i tried to open a bank account with Chase Bank . my account was denied becase Chase claims i owe money to Chase, but refuses to provide any evidence of the debt. Chase also refused my repeated requests to fix the problem and correct their records, insisting that i owe money to Chase, while refusing to identify what amount i owe and for what contract it is owed.