davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have disputed the late payment on this XXXX XXXX XXXX for months. XXXX and XXXXhave reversed them but Transunion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2023-04-10
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: Experian Information Solutions Inc. (SC)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX A XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX
Consumer complaint received 2022-06-15
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. (FL)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XXXX XXXX XXXX XXXX XX/XX/2021 - XXXX XX/XX/2021 - XXXX XXXX XX/XX/2021 NEGATIVE ACCOUNTS : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account # 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 an account without my written instructions.
Consumer complaint received 2019-03-26
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (WI)

On XX/XX/XXXX I made a complaint with the XXXX about XXXX XXXX  - XXXX adding on some sort of insurance to my cc. This was never authorized!! When I called to activate my card with the # on my card a lady with a XXXX XXXXt tild me i could have XXXX insurance added to my account for {$1.00}! And then receive a {$20.00} gift card. So i said yes to the charge of ONLY {$1.00} and that was it. After awhile i couldn't understand why my balance wasn't going down. I normally pay my bill over the phone. So when i was finally able to access my online account i gasped in horror!!! XXXX has been charging me an extra $ XXXX $ XXXXmo for over a year!!!! I never ever authorized this insurance on my account other than the {$1.00} when i first opened my account like the lady with the XXXX XXXX  said. I would never agree to this highway robbery charge!! Then they also charged me extra finance charges of {$47.00} in XX/XX/2018 and XX/XX/2018 which i have no idea why!!! This is fraud!!! They are misleading consumers. And they increased my interest rate!!!!
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I need all bankruptcy removed off my report in accordance with fcra this is inaccurate information be reported on my account 15 us code 1681 a ( I ) Transactions and experiences should not be reported at all and bankruptcies are experiences that should not be reported on my consumer report This is defamation of character as XXXX XXXX has already removed this information PACER is not precisely accurate Im am calling for the removal of these bankruptcies before I file identity theft on credit bureaus
Consumer complaint received 2019-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

My card was compromised and had an ATM deposit that I didnt make as well as {$2800.00} in Withdrawals that occurred on XX/XX/2019 throughout the day in XXXX talked to the bank and they felt to need to tell me I was a liar through the phone and dont do anything about the money thats been stolen.
Consumer complaint received 2018-10-18
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: Santander Consumer USA Holdings Inc. (NC)

Santander dealt with the co singer of the vehicle involved. He surrendered the vehicle without my knowledge! It has been on my credit for almost 13 years, its supposed to be reported for 7. Now after the investigation, theyre saying it will remain until XX/XX/2020. I want it removed! Hope this time it gets handled correctly!
Consumer complaint received 2022-06-15
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. (FL)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XXXX XXXX XXXX XXXX XX/XX/2021 - XXXX XX/XX/2021 - XXXX XXXX  XX/XX/2021 NEGATIVE ACCOUNTS XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX Account # 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 an account without my written instructions.
Consumer complaint received 2019-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I CALLED XXXX TO UNLOCK MY FRAUD AND FREEZE INSTEAD THEY ADDED 7 MORE YEARS THEY DID IT THEIR PHONE CALLS ARE SABATOSHED. THEY DRIVING ME XXXX INSANE THEY AUTOMATICED DID ON THEIR OWN WITHOUT MY CONSENT. I HATE EXPERIAN ALL THEY DO IS DRIVE PEOPLE INSANE AND CANT GET THROUGH TO THEM THEY ARE VERY WRONG! I WANT MY CREDIT FILE UNLOCKED! THEY DID THELOCK ON THEIR ON THEIR OWN WITHOUT MY CONSENT! UNLOCK ALL MY CREDIT REPORT! WHAT KIND OF BUEREU ARE WRONG!!! I HATE IT IM GOING TO COMMIT XXXX  AND IT WILL BE CAUSE OF EXPERIAN!
Consumer complaint received 2024-03-01
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. (NJ)

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 that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

Coinbase has received XXXX tokens which were directed by the developers to be distributed to participants who participated in the XXXX XXXX XXXX. It uses the same infrastructure and method of airdrop as the XXXX  token which Coinbase publicly announced that they will support it. The XXXX and XXXX XXXX  are 2 XXXX  using the exact same infrastructure and method of distribution from the same developers but Coinbase is claiming that they can not distribute it because the infrastructure does not support it ( blatant lie ). Coinbase is currently holding millions of dollars worth of XXXX tokens from their rightful owners.
Consumer complaint received 2019-03-26
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: JPMORGAN CHASE & CO. (TX)

On XX/XX/2019 I received an email from XXXX XXXX XXXX advertising their credit card with the offer of XXXX points and a XXXX Companion Pass after spending {$4000.00} in 3 months. When I purchased a flight on XX/XX/19 I selected the offer either from the email or display advertising on XXXX. 

I believe the ad switched me to a {$200.00} off flight credit by confusing me believing I was receiving the XXXX point and Companion Pass as part of the deal as well. I opened an account and then began to use my new XXXX XXXX XXXX XXXX credit card for all purchases so I could spend the {$4000.00} in 3 months to earn the promotional offer. 

After I spent the {$4000.00} I called Chase to find out when I would receive the offer they said that offer did not exist. It took me finding the email for them for them to actually believe the offer did exist ( they managed to find it after I found email proof ) and Chase then informed me the offer expired and I actually selected a different offer for {$200.00} off and XXXX points after spending {$500.00}. I offered to send them the email ; the manager informed me that they do not have an email to receive the evidence. 

I explained that I would never have opened an account if that was the offer and my spending habits clearly show I was motivated in spending {$4000.00} in 3 months. After having to escalate, I spoke with a manager and said they would review my case but I may lose the {$200.00} flight credit if the review was processed. I explained that was fine as the XXXX points + companion pass was my motivation to sign up. 

Approximately 10 days later I received a letter saying that " my account is not eligible for the new offer ''. I did not request a new offer, I requested that Chase honor the original promotional offer which I was led to believe I was signing up for. 

I am very disappointed in Chase, I have a XXXX XXXX card with them which I have had for over 5 years and I am upset that they did not honor the offer I signed up for which expired on XX/XX/2019 XX/XX/2019
Consumer complaint received 2022-02-09
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: EQUIFAX, INC. (NC)

Have contacted Credit Bureaus about inquires about 6 of them are on my file, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.
Consumer complaint received 2022-07-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (TX)

XX/XX/2002 From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX XXXX Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of an unauthorized and fraudulent creditinquiry and or Collection Accountwhich is being reported by XXXX, XXXX and/or XXXX on my credit report. My latest credit report shows an inquiry from your firm creditthat I did not authorize. I suspect fraud, and have reported this incident at IdentityTheft.gov, Consumer Financial Protection Bureau, and the XXXX XXXX XXXX 
Please havethese/thisunapprovedinquiries/inquiryremoved from my credit report within 30 days, as it is harming my ability to obtain new credit. Please contact me immediately if you require any additional information regarding my request. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 



XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX
Consumer complaint received 2020-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc. (SC)

Moneylion incorrectly reported me as 30 days past due in the months of XXXX, XXXX, XXXX, and XXXX. In the case of Moneylion, the company would not show reflection of payments made for up to 14 days after the payment made. They even reported me late In XXXX when the loan had already been paid IN FULL by XX/XX/XXXX. 

In this case, I will need credit report adjustment as well as a credit for a misapplied payment that was double charged and not applied in the amount of : XXXX dated XX/XX/XXXX XXXX dated XX/XX/XXXX XXXX dated XX/XX/XXXX Additionally, money lion has failed to apply points to my account in the amount of XXXX points for special offers. Please process a payout in the amount of XXXX to cover the existing XXXX points and close my account once credit adjustment and other adjustments are complete.
Consumer complaint received 2021-10-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (MA)

Earlier in XXXX, I received a pamphlet from TD Bank enticing me to open a checking account with them, promising a {$300.00} bonus after required steps are complete. I read the fine print at the bottom carefully whose relevant part is cited below : " Offer valid from XX/XX/XXXX through XX/XX/XXXX and is available to the new personal checking Customers who received a promotional mailing and who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months and complete the required qualifying criteria. '' However, after I opened a new checking account on XX/XX/XXXX and completed all the steps and after the supposed deposit date for the {$300.00} bonus has passed I visited a local TD Bank branch and was verbally told by the local banker that I should be eligible for the {$300.00} and they are not sure why it has not been deposited. They asked me to check back after a week while they communicate with the back office. A week later I checked back and the local banker told me the back office denied my {$300.00} bonus on the ground that all prior customers who had received a similar bonus in the past is no longer qualified for the {$300.00} bonus. 

Admittedly, I did open a similar checking account with TD bank in XXXX and received a prior bonus for doing so. The previous checking account was closed in XX/XX/XXXX, and thus I was relying on the language of the pamphlet to conclude that since the " preceding 12 months '' would start to run from XX/XX/XXXX through XX/XX/XXXX. However, the position of the TD Bank 's back office is far more restrictive - it is stating that if I had received similar bonus ANYTIME in the past, for example, 5 years ago, I will no longer be eligible for the current {$300.00} bonus at dispute. This position directly conflicts with the wording on the pamphlet and constitutes fraudulent advertising inuring to the benefit of the company and to the detriment of the consumer.
Consumer complaint received 2018-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (ID)

I signed up for autopay on my Cabela 's Club credit card in XX/XX/2017. They have taken a payment every month since then, but have not credited my account for those payments. They then sold my account to a collection agency, again without applying the payments they withdrew from my account. I called them to ask what was going on after I started getting calls from the collection agency and after my credit had been further damaged by the appearance of non-payment. I supplied copies of bank statements proving all the payments and they credited me with one of the twelve. They have once again debited my bank account today, and apparently have not fixed their error.
Consumer complaint received 2022-06-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Nelson and Kennard (HI)

XXXXXXXX XXXX credit card opened in XXXX, made consistent payments. Fell onto hardship in XXXX, tried to negotiate a settlement in XXXX was denied. Tried to file bankruptcy in XXXX and was denied. Negotiated settlements with all other debts and this XXXX XXXX credit card would not work with me. Debt owed was {$6900.00}. For the past XXXX years they have been garnishing my wages, charging 10 % interest per day on the debt owed. Tried to call the again to settle and they wanted me to pay more then the amount owed. This is unreasonable.
Consumer complaint received 2021-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FirstPoint Collection Resources (DE)

Pursuant 15 usc 1681 ( a ) ( 4 ) i am a consumer of this federal corporation. My federally protected rights have been violated. I HAVE NEVER SIGNED A CONTRACT OR PROMISSORY NOTE WITH FIRST POINT COLLECTION SOURCES WHICH IS A VIOLATION OF 15 usc 1692e. NOR HAVE I GIVEN WRITTEN CONSENT FOR THIS ITEM TO BE FURNISHED ON MY CONSUMER REPORTS. WITHOUT MY WRITTEN OR ORAL CONSENT ANY COLLECTION OF A DEBT ON MY CONSUMER REPORT IS A VIOLATION OF 15 usc 1681b. EACH VIOLATION IS PURSUANT WITH 15 usc 1692 K, WITH EACH VIOLATION BEING WORTH {$1000.00} EACH OR 1 PERCENT OF THE COMPANIES WORTH. I DEMAND THESE ITEMS BE REMOVED FROM MY CONSUMER REPORTS OR PAY ME {$1000.00} FOR EVERY MINUTE THAT ITS BEEN ON MY CONSUMER REPORT.
Consumer complaint received 2021-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

This bureau breached and trespassed my rights of privacy by reporting inaccurate, incorrect and misleading information on their end which is a direct violation of federal law. According to the federal law, it is their responsibility to ensure fairness, impartiality and protect the consumer 's rights of privacy. I am distressed with their negligence.
Consumer complaint received 2018-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

I have disputed the late payment status reported on the account XXXX/XXXX, LA CHILD SUPPORT ENF with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has greatly affected my credit score.
Consumer complaint received 2018-07-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Lending Club Corp (TX)

I had a loan through them prior. So I logged online to do the no inquiry rate check on a new loan. I put all my info in and it said I was approved. The rate was too high for my credit score so I decided not to go any further with the application. It was also asking me to upload my paycheck stub to proceed any further. Which I did not do. Then a few days later LendingClub deposited the funds into my account! Come to find out buried in the phone book of size 1 font disclosures, just by checking my rate from the invitation they mailed me, they had singed a promissory note on my behalf, waived proof of income and proceeded to financially XXXX me and deposit funds into my account. I sat on hold twice for over an hour before finally hanging up. I sent 20+ emails to XXXX and XXXX. I asked them to immediately cancel this loan I did not consent too and was told I had to pay back some XXXX dollar hidden fee I didn't even know about! Finally someone named XXXX emailed back and said they would cancel the loan. They took the deposit back out of my checking account but when I log into lending club it still shows I have two payments remaining for XXXX dollar fee theyre trying to charge me. This is crazy. You call and they say you have to talk to customer service where you sit on hold for eternity. I have emailed multiple times and they keep saying they're working on it. It's been 5 days! This is so wrong what they did. I work in finance.. think of all the people that don't know any better and lendingclub just gets away with it. There are so many FTC/UDAP violations they're breaking here. Please help me get this loan I did not consent to canceled and ensure they don't do this to unsuspecting people in the future.
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Since XX/XX/2021 I have submitted over 3 disputes with XXXX XXXX XXXX XXXX, XXXX for an account that has been reporting on my credit after it was included in a settlement for Predatory Practices. On each dispute, I provided supporting documentation and they still refuse to remove it and only stamp it correct/verified by only updating the status, in any of these disputes I never received not on correspondence from the companies listed in this complaint. Per the FCR/FDCPA a notice of dispute is to be placed on any account disputed within 31 days XXXX & XXXX XXXX XXXX XXXX violated these Federal Laws. Not only are they failing to respond to my dispute, but they have also failed to record this account as being disputed and it has been over 60 days. That in itself is grounds for removal but I also have included all of the documentation showing this specific account met all requirements as a result of the settlement reached due to XXXX 's negligence in practicing. I am requesting the immediate removal of this account due to the violations stated above.