davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-05
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: U.S. BANCORP (CA)

Called Customer service during XX/XX/XXXX. The reps all noted that I have satisfied the purchase requirement required for the XXXX XXXX XXXX account Promotion of 50,000 points ( {$3000.00} purchase within 120 days of account opening ). The rep sent this request for further " research ''. 

However, after few weeks, I received letter stating that I did not meet the requirements. 

Called Customer service again during XX/XX/XXXX. The reps all noted again that I have satisfied the purchase requirement and will send it for further " research '' one more time. However, it is still not resolved after several weeks. 

XX/XX/XXXX Account Opening Purchases Made from : XXXX {$120.00} XXXX {$2400.00} ( Purchases ) XXXX ( Credit ) = XXXX XXXX {$530.00} Total {$3000.00} I have satisfied the purchase requirement way before the 120 days, but their " research '' kept saying I did not meet minimum requirement. They have continuously ignored a detailed manual calculation and only relied on their system number which is in error by their " research '' team.
Consumer complaint received 2022-02-25
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 without 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 XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. 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 XXXX 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 XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX 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 XXXX now XXXXXXXX XXXX XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Consumer complaint received 2021-10-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (TN)

I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX, XXXX regarding a PayPal account in the amount of XXXX. After numerous calls to XXXX XXXX and PayPal- I was told by PayPal that my account was paid in full and never turned to any collection agency.
Consumer complaint received 2022-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Social Finance, Inc. (NY)

On approximately XX/XX/2021 I applied and was approved for a credit card with SoFi, through an online advertisement on the XXXX XXXX website offering a {$200.00} welcome bonus in the event of {$1000.00} spending on the card. I completed the application through the link on the website. I satisfied the {$1000.00} spend within 2 weeks after I got the card. My welcome bonus has never been received. 

When I contacted customer service they said they were submitting it to the " back office ''. 

When I contacted the " CEO office '', they said that they could not issue the bonus because their system did not show that I had made the application through the XXXX XXXX link.
Consumer complaint received 2021-10-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (CA)

In XXXX of XXXX I lost my job and fell behind on my payments, I contacted the mortgage company for help and they wouldn't work with me personally. I kept calling them until finally they offered me a modification, but then denied it because I didn't have the income. 

In XXXX I received assistance through XXXX with the XXXX Keep Your Home Ca. the paid XXXX towards my mortgage payment as soon as I was employed I contacted XXXX to revisit the modification again I was denied and the only option given has been a short sale and was told there wasnt enough income., I appealed a still the same option short sale. 

In XXXX of XXXX I began renting a room out in my home to gain additional income I secured the lease and showed the payments from the rental through my bank statements again the option presented was the short sale. So I appealed again in XXXX of XXXX this has been the ongoing process each year and each time the only option I qualify for is the short sale. 

In XXXX of XXXX I applied short sale option given each time I would call to speak with my home preservation agent she would only state my title wasnt clear I knew that XXXX had a XXXX for 5 years to erase the monies paid that was cleared late XXXX so again I apply and was given the short sale option In XXXX I took another full time job giving me XXXX jobs and I applied and was given the same option of a short sale, I attempted bankruptcy to pay the arrears and current monthly payments since my mortgage would be the only debt I have it was a payment of $ 2800 monthly and my other expenses proven to be a lot and in early XXXX it was dismissed in an effort to save my home XXXX XXXX loans reached out to me stating they work with XXXX to work on my modification and after me sending monthly payments totaling XXXX and to no avail they wanted another payment I never heard from them or from XXXX I applied and received the short sale option. I then tested positive for XXXX XXXX in XXXX of XXXX and did not return to my other full time job I applied was given a short sale option and facing foreclosure. 
Just recently applied again twice within XXXX with the same option. I just want to remain in my home I havent qualified for any other programs to help me remain in my home maybe putting those arrears on the back end and allowing me to pay my monthly payment definitely since the rates have drop taking my home or giving it away in a short sale is not the best option for me. I work a full time job a part time job and have a renter I have the income to remaining my house short sale is not an option I do not wish to become part of the homeless population my credit score is not the best and I need a chance to prove that Im able to make my papyments and to pay them on time.
Consumer complaint received 2022-02-25
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. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion 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 XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. 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 XXXX i made this clear for 60 days straight with transunion 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 XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. 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 Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE
Consumer complaint received 2015-07-22
Product: Credit card — 
Issue: Transaction issue — 
Company: AMERICAN EXPRESS COMPANY (CO)

When reserving XXXX rooms at the XXXX XXXX XXXX hotel, a XXXX partner property, the credit card in my XXXX profile was charged the full price of the first night 's stay for each room ( {$450.00} x XXXX ). At no time during the reservation process was I notified that the credit card in my XXXX profile would be charged and at no time did I give consent for my credit card to be charged. Charging my credit card without my consent is a deceptive business practice and it violates the card organization rules. To make matters worse, there are XXXX credit cards in my XXXX profile, a corporate card and a personal card. The reservations were for personal travel, yet the XXXX charged the corporate card in my XXXX profile, which has caused hours of lost time to explain and resolve within my corporate expenses reimbursement system.
Consumer complaint received 2021-03-10
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)

ftc or FCRA violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fcra violations names are not mine
Consumer complaint received 2024-02-14
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: Experian Information Solutions Inc. (OH)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report 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 2019-10-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (IL)

I received a call from a local number : ( XXXX ) XXXX. They identified themselves as a debt collector called " hrrgcollection.com '' and asked if I was XXXX XXXX. I said yes I was. They then asked for me to verify my date of birth. I asked what this was about and the caller stated before proceeding they must verify my date of birth. I told the caller I could not provide PII as I had no way of verifying if the call was legitimate. Furthermore I had just checked my credit report the week before and had nothing in my report about any outstanding bill, nor was I aware of anything that may be outstanding as I keep track of all my bills that I receive. 

At that point the caller said he would record that I " refused to identify myself '' and hung up. However this is incorrect. I had identified myself as XXXX XXXX. When I called back to see if this was a scam or legit. I spoke to another representative and explained to them that I was very dissatisfied with how this first call was handled and that I can't just give out my DOB unless I know who is on the other end of the call and have high confidence that they are legit. She was willing to take my verification of my home address instead of my DOB. And I was OK with giving her that information since my name and address is a public record. 

I did express to the second representative how unhappy I was with how the initial call was handled. However she did not offer an apology. When I spoke to her supervisor to complain he argued with me for several minutes and I asked him why it was that they handled the initial call in the way they did. I asked why they didn't apologize for that. He offered the apology ( after I asked for one ) and when I said it really isn't right that I have to ask for it, he said " well we're a collection agency ''. 

I did tell him that I need to first verify with my insurance company before I can give out any financial information to settle the account he was referring to as I had already paid the balance of my hospital visit in full and was not informed that there was still a {$36.00} balance remaining. And second that this was a legit collection. 

My complain is two-fold : first it was inappropriate for the first caller to say that I " refused to identify myself '' as I did do so. Second it was inappropriate to not offer the second verification question as an option, my home address, which the second representative did do when I called back. Third it is this attitude that this collection agency and they can simply treat whomever they call any way they wish. We do not have any obligation to provide them with PII upon request without knowing who they are or if they are legit. Anyone can call me and say they are collecting a bill.
Consumer complaint received 2022-02-25
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: Fidelity National Information Services, Inc. (FNIS) (IL)

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. Also, I was told by ChexSystems representative that someone else name in connected to my social security number which is a result in identity theft. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXXXXXX XXXX XXXX XXXX XXXX Below is a copy of my supported documentation, I am the only consumer that should be attached to this number.
Consumer complaint received 2021-10-28
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: General Motors Financial Company, Inc. (NC)

Dear Sir/Madam : PLEASE ADD MY PHONE # Telephone : ( XXXX ) XXXX TO MY CREDIT FILE! 

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : Pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES! 

Copy of Social Security Card and Drivers License, Copy of Utility Bill Notification of Identity Theft, List of Fraudulent Accounts, FTC Identity Theft Victims Complaint & Affidavit XXXX 1. GM FINANCIAL Account Number : XXXX Please remove it from my credit report. 

2. XXXX Account Number : XXXX Please remove it from my credit report. 

3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, NC XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX  XXXX  XXXX, NC XXXX 6. The following personal information is incorrect Account Number : EMPLOYER : XXXX  XXXX  XXXX  7. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 8. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 9. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX  XXXX, NC XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX XXXX. Identity Theft Account Number : XXXX Please remove it from my credit report. 

13. Identity Theft Account Number : XXXX Please remove it from my credit report. 

14. Identity Theft Account Number : XXXX Please remove it from my credit report. 




Please delete the disputed items from my credit report within ( 4 ) four days as required by the Fair Credit Reporting Act.
Consumer complaint received 2022-02-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Jim Bottin Enterprises, Inc (FL)

I joined XXXX in XXXX, and when I joined the membership, I was told that I could pause my membership at any point in time, because I had plans to travel frequently in the upcoming months. When I went back to pause my membership in XXXX, the person I talked to said that it was impossible to pause my membership and that I had to pay regardless of if I was using the gym or not during that time. When I told that person that the person that onboarded me into the membership told me that I could pause my membership and that it was part of my contract that I signed, he told me that that person that onboarded me no longer worked there and that I had to pay. I told them to cancel my membership and he said okay, we can do that. I asked if there was anything else I needed to do and he said no, and that it would be taken care of. I have been getting automated calls that I ignored due to scam likely numbers, and I just got a call from a debt collector saying that if I didn't pay XXXX XXXX XXXX they would send my information to a credit bureau and it would hurt my credit. I need help.
Consumer complaint received 2022-10-09
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-09
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I opened a Kohls XXXX XXXX on XXXX XXXX XX/XX/2021 in XXXX XXXX, XXXX  to make a purchase to get the additional 35 % off my purchase. I received a credit line of {$600.00} that day. I also paid my amount in full of {$290.00} right there in store. Fastforward to today XX/XX/2021, as I tried calling Kohls XXXX XXXX XXXX XXXX at XXXX to retrieve my account information as my card nor my statement/account number has not yet been received. I am needing the account information to submit to my lender XXXX Mortgage in order to close on the purchase of my home. I was told by Kohls XXXX XXXX ( and the XXXX ) that they can not give my account number over the phone to protect the customer. I also had XXXX ( XXXX XXXX XXXX  ) on the other line ( XXXX way call ) to verify that I need this time sensitive information. I was and am still willing to give Kohls any security information that they need in order to give me my account number. The XXXX emphasized they have no way of getting or giving me my own credit account number. That there is not a number or store I can go to in order to retrieve that information. That I simply have to wait for my card to come in the mail ( which can take up to XXXX weeks from mailing date, which was XX/XX/2021 ). XXXX and I both amplified multiple different scenarios to the XXXX as her consistent answer was to wait for it in the mail as they don't have access to my account number, that it's simply stated on the statement I will retrieve in the mail. I have NEVER held a credit account that I can't get access to my own personal credit account. This information needed for the purchase of my home is VERY time sensitive. And per Kohls XXXX XXXX XXXX Department they simply can not give it to me as they don't have it nor does any person ( s ) or establishments will have that information either.
Consumer complaint received 2021-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NH)

I have had a XXXX XXXX for over a year. This account is used with a recurring charge with a single merchant. The account had automatic payments setup. XXXX is now claiming to not have any record of Autopay. 

I have noticed on my statement that there have been numerous late fees charged on this account. 

As I setup autopay with a representative of the company, I am wishing to have ALL late fees backdated to the start of the account be refunded. 

Further, the bank has not given any notices nor email notifications on the payment status or lack of an autopay payment as is done with all other XXXX accounts.