davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-25
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 (TX)

I had applied for the American Express XXXX XXXX XXXX Credit Card on XX/XX/2018. I received an approval and got the card within few days as promised. As per the Card terms, if I would spend a minimum of {$3000.00} within the first 3 months, I would be awarded with XXXX bonus points. After meeting the minimum spend criteria, when the points were not reflecting in my account, I decided to contact the customer service of American Express. To my utter shock, they informed me that I am being declined the bonus and that the same was intimated to me during application. I vehemently deny this statement, as I was not informed at all regarding this during the application procedure. This is a malpractice wherein the financial institution is luring customers with false promises of bonus reward points and later declining them. I have been a victim of false marketing and promises and would like to raise my utter concern regarding the same.
Consumer complaint received 2018-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Today on XX/XX/2018 I have found a money saving tool. XXXX this is a great way to help me know that I am spending to much money compared to what I make each month. I got this credit card to help build my credit as well as having extra money when unexpected problems pop up. This website needs access to my spending history to tell me when I have spent to much on food shopping and so on. I would love for this problem to be fixed! Thanks!
Consumer complaint received 2018-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AZ)

In XX/XX/XXXX I asked to be placed on a repayment plan acceptable by the Loan Forgiveness program. I informed them that I worked for the XXXX XXXX and required the 120 payment set up for the Load Forgiveness program. Navient representatives guided me through the process and placed me on an income based repayment plan they said is acceptable for the Loan Forgiveness program. Seven years into my repayment plan I discovered I was supposed to send in proof of employment so that my years of payments and employment would be verified. Last year ( XX/XX/XXXX-XX/XX/XXXX ) I called the XXXX XXXX XXXX and was informed the income based repayment program Navient placed me on was not recognized in the Loan Forgiveness program. I am currently XXXX years old. I was getting ready to retire after 25 years of XXXX XXXX and I am forced to rethink my retirement date. when I transferred my loan to the XXXX XXXX XXXX, I received a tax form from Navient that  documented I paid THEM {$25000.00} in interest and NOTHING towards my student loan balance. I have been making payment to Navient for 20 years and I still have the same balance.
Consumer complaint received 2018-10-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: SYNCHRONY FINANCIAL (OK)

I closed my paypal credit account earlier this year and tried to reopen starting in XXXX but Paypal and I have called them numerous times. They said that their company is changing their funding bank and they keep saying that they expect it soon and keep giving me dates it should change. I feel because I come from a conservative state and they are notoriously a liberal run company as evidenced by their refusing to put a paypal facility in N. Carolina just because N.C. wants males to use male bathrooms that they are trying to punish people from conservative states that don't agree with their liberal policies. I had that account for many years and first obtained it from the XXXX XXXX XXXX company before Paypal took it over. I have paid this account back for many of years and even the representatives I have talked to don't understand what is holding it up. Paypal has sent me several letters telling me to contact them directly but each time the representatives turn me down due to this supposed change of bank. It's time someone at Paypal fixed this or get off their a -- and opened my account back up.
Consumer complaint received 2022-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (TX)

Im sick of this. This is causing me so much stress and anxiety! My XXXX XXXX is shooting through the roof! Lets just take this to court! I just wrote a very lengthy message here and it did not saved it. Explaining me to contact the ale departments at chase bank that have lost my money to my creditors! Im getting voicemails on XXXX when they are not supposed to be working! Its a game to them. My utilities are going to be cut off! Being out on hold for hours. Calls being disconnected. Managers blowing me off. On-site bankers, managers, and presidents not doing anything about it. Just stating that they have a language barrier with their own fraud and online departments. Dropping my calls back into the customer service line, being hung up on multiple times when asked if I could hold while they connect me or get more information! Chase is purposely not wanting to take any responsibility for my account being hacked into and money lost that was taken out of my account to go to my creditors. They never received being told they will need to take additional money from me! Me paying my creditors twice with my own money due to chase not taking any responsibility! It has caused so much stress and XXXX XXXX! I am also XXXX I cant take it anymore! They all have been very unprofessional rude! And blowing this whole situation off! I need someone to help me make Chase bank accountable for their whole lack of responsibility and actions. Calling me on XXXX when I was told the executives dont work nor are they supposed to work on XXXX! So why are youll calling me with bogus unprofessional voicemails on a Saturday! THIS IS MY SECOND COMPLAINT! DUE TO THEM WASTING TIME AND BEING UNPROFESSIONAL!
Consumer complaint received 2023-03-20
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-10-25
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: SYNCHRONY FINANCIAL (CT)

I am an identity theft victim, my information was used without my consent to apply for a Tj Maxx credit card. That application was submitted to XXXX XXXX/TJ Maxx in XX/XX/2018 using my information. I obtained the assistiance of a fraud detection agency and their office is working on my behalf to resolve the issues however XXXX XXXX/Tj Maxx has not remove the fraudulent inquiry after an official dispute was provided to them XX/XX/2018.
Consumer complaint received 2018-10-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Eastern Revenue, Inc. (MD)

On XX/XX/2018 i called the company requesting validation of Debt. They told me that they only send validation once. The company claimed they sent it in XXXXXX/XX/2018. The call operator was very rude. I asked to speak with the supervisor, he was rude also. All i wanted was validation of the debt because i was not familiar with this particular item on my credit report.
Consumer complaint received 2018-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

bank of america is harassing me and reporting incorrect information about a crdit card account that doesnt belong to me there were fraud charges and they allowed the card to remain open and be used after i otified them, they cotninue to add fees and charges that dont belong to nme and i have disputed this account for over a year now and they are doing nothing about it except harassing me with over a dozen phone calls a day when i also asked those to stop as well
Consumer complaint received 2022-07-11
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: Experian Information Solutions Inc. (GA)

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX ( Account number XXXX, Date opened XX/XX/XXXX, Balance {$1100.00} ), XXXX XXXXXXXX ( Account number XXXX, XXXX opened XX/XX/XXXX, Balance {$2700.00} ), XXXXXXXX XXXX XXXX Account number XXXX, Date opened XX/XX/XXXX, Balance {$6800.00} ), XXXX XXXX XXXX ( Account number XXXX, Date opened XX/XX/XXXX, Balance {$9200.00} ) Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2023-03-20
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. (GA)

This is my numerous request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXXBalance : {$1200.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : $ XXXX XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2022-03-12
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

ITEM IN DISPUTE : XXXX XXXX XXXX DISPUTE REASON : Accuracy The balance and/or past due amount are/is incorrect. 
This account is too old to be on my credit report. 
CONTACT INFORMATION XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX
Consumer complaint received 2019-05-08
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)

The trans union company continues to report this inaccurate account in my credit file. I have done everything under the law to prove this account was open in a fraudulent matter with no response from the creditors and the trans union company. I've taken the extra step to attach my FTC and Police report in another attempt to clear my name.
Consumer complaint received 2019-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have repeatedly asked for validation regarding the XXXX bill that is showing on my credit report account, yet I am still unable to receive any information regarding why it is showing on my Transunion credit report. I need to have this item removed from my credit report. Transunion has failed to send me any documents that supports this being on my credit report. I dont owe XXXX XXXX any money and need to have this removed.
Consumer complaint received 2018-10-25
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 (FL)

This is my 2nd complaint with the cfpb about Wells Fargo for the same issue. There was fraud on my account. I did not commit the fraud or benefit at all from the fraud. Wells Fargo continues to refuse to give me more information about the transactions that occurred in regards to the time/date so that I can better prove that I did not commit these transactions. Wells Fargo 's response has been continually as follows : After careful review of our records, our Fraud Department 's review of your claim was denied, and as such, you are responsible for this account and it's balance. The company ( Wells Fargo ) did not contact me at all in regards to the additional documentation that I have provided them through 5 appeals, 1 x cfpb claim, etc. They continually rubber stamp my complaint as denied. I do not have the ability nor know what I can do next, and need help. I was told specifically that because they initially marked my fraud case as " card stolen '' and that there was not a police report that they were denying the case. The police department told me that they do not take cases like this, since i'm not the party that lost the money. I was told that I had fraud protection on my account, and as such, I want the account balance to be waived. If you can provide me the time/date of the transactions, I can also submit additional information and proof of my own location at the time of the transactions to help prove that I was not party to those fraud transactions.
Consumer complaint received 2018-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have a complaint issue over my Public record it is not accurate. The bankruptcy is listed wrong error please delete 609 FRCA and 611. I have addresses that are not mines or possibly belong to family member. please remove the following items. 
XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2022-07-25
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: Experian Information Solutions Inc. (TX)

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 U.S.C 1681. 

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 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681C. ( A ) ( 5 ) SECTION STATES : NO CONSUMER REPORT AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

15 U.S.C 1681 SECTION 604 : A SECTION 2 : IT ALSO STATES A CONSUMER REPORT AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WV)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2017-06-23
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: Experian Information Solutions Inc. (FL)

i contacted a phone number because i wanted to get the first time home buyer grant they told me to call another number i did and they asked me for my id and ssn after that i received an email saying that they approved me for a home loan but nothing about the first time home buyer program they checked my credit score and my wife credit score without our  authorization we are allready qualified with a lender i dont understand why this people pulled my credit if we didnt ask for the we wanted to get the grant for the money for first time home buyer they lie to us so i want to make a complaint if you can contact me in XXXX will be great
Consumer complaint received 2017-06-23
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. (FL)

i contacted a phone number because i wanted to get the first time home buyer grant they told me to call another number i did and they asked me for my id and ssn after that i received an email saying that they approved me for a home loan but nothing about the first time home buyer program they checked my credit score and my wife credit score without our authorization we are allready qualified with a lender i dont understand why this people pulled my credit if we didnt ask for the we wanted to get the grant for the money for first time home buyer they lie to us so i want to make a complaint if you can contact me in XXXX will be great
Consumer complaint received 2017-06-23
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)

i contacted a phone number because i wanted to get the first time home buyer grant they told me to call another number i did and they asked me for my id and ssn after that i received an email saying that they approved me for a home loan but nothing about the first time home buyer program they checked my credit score and my wife credit score without our authorization we are allready qualified with a lender i dont understand why this people pulled my credit if we didnt ask for the we wanted to get the grant for the money for first time home buyer they lie to us so i want to make a complaint if you can contact me in XXXX will be great
Consumer complaint received 2017-06-19
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. (HI)

I have tried to have unauthorized inquiries and those inquiries not attached to open accounts removed from Transunion,  XXXX  and  XXXX  to no avail. I have disputed on  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  & XX/XX/XXXX  with  XXXX ,  XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  &  XX/XX/XXXX  with  XXXX  and  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX  with Transunion. I 'm either told that they are validated or that I must contact the company. Some of the companies have sent me back to the CRA 's and therefore I am stuck with inquiries that I have not authorized for cars, cell phones etc on my reports. I should only have those linked to my background checks and  XXXX   XXXX  accounts for increases etc.
Consumer complaint received 2019-01-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (CA)

I have attempted several times to figure out why the interest and principle amortization has not been adding in correctly. I get several vague answers that dont make financial sense, i have requested a copy of my original contract and the company claims that 2 times they mailed me the contract, but i never received it. But in the time in between requesting it and now, i have received physical copies of my actual billing statement. They claim the only way to receive the contract is by fax or mail. I requested by email and they have said they would ask but at this point i do not believe them. The business practice has been less than above board. They are over charging me from interest owed.
Consumer complaint received 2018-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have provided the Credit Reporting Companies with the proper documentation to remove items from my XXXX, TransUnion and XXXX XXXX Reports. I have sent them several letters regarding this issue and they continue to ignore my correspondence and take the appropriate action regarding XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. I have provided them copies of returned mail, that proves that the information that these companies have provided on my report are false information and thus should be removed from my credit report. I have also provided them information that some or all of these accounts are not valid and proof that the companies could not validate the accounts. The companies provide copies of statements which is not validation of the debt. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.