davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (CA)

With a promo code FXXXX ( {$200.00} bonus offer ) attached, I opened XXXX  Money Market account, with initial deposit of {$100.00}, on XX/XX/XXXX from the following link at : https : //www.usbank.com/splash/checking/checking-offer-December19.html The terms of the promotion were : Open a XXXX  Money Market account and deposit {$10000.00} or more by XX/XX/XXXX Maintain a balance of {$10000.00} or more through XX/XX/XXXX The monthly maintenance fee of {$10.00} can be waived when minimum account balance is {$10000.00} As soon as I received an account approval notice from the bank, I set up online account profile, linking external account to this account enabling fund transfers, etc. Finally, I managed to deposit {$10000.00} additionally on XX/XX/XXXX, well before the required deposit deadline of XX/XX/XXXX. 

On XX/XX/XXXX, I noticed Monthly Maintenance Fee of {$10.00} was charged the day before, even though the account balance was {$10000.00} at that time. I called U.S. Bank and discussed the matter with Customer Service Representative, XXXX. XXXX apologized for the system glitch and refunded the {$10.00} fee immediately, stating that this would not affect my {$200.00} bonus eligibility. And I asked XXXX to note on my account about her assurances. 

Though I learned that customers who had opened savings account with the same offer received {$200.00} around XX/XX/XXXX, no bonus had posted on my account. I contacted U.S. Bank and spoke to XXXX ( Ext # XXXX ) about a missing bonus. XXXX submitted a manual processing request for me and provided me with her extension number as a proof. 

I contacted U.S. Bank again on XX/XX/XXXX, and discussed the missing bonus with XXXX. XXXX filed a Request Form for Promotional Offer for me. However, I have yet to see the bonus posted on my account ; nor have I heard from U.S. Bank, despite my repeated attempts to resolve the matter. 

Furthermore, I read online postings showing that customer who were in the exactly same situation ( {$10.00} maintenance fee charged for first month but waived thereafter ) also received the {$200.00} bonus one way or another. 

Therefore, I request that the {$200.00} bonus should be posted on my account without undue delay!
Consumer complaint received 2022-07-25
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. (CA)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Transunion dated XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

DEPT OF EDUCATIONXXXX XXXX Late Date XX/XX/XXXX, DEPT OF EDUCATIONXXXX XXXX Late Date XX/XX/XXXX
Consumer complaint received 2022-03-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (CA)

On XX/XX/XXXX I began the process of refinancing with XXXX XXXX, XX/XX/XXXX, I signed documents and on XX/XX/XXXX, and appraisal was ordered and cost was quoted be {$500.00} but was charged {$550.00}. XX/XX/XXXX, I re3ceived an email that my loan was approved. On XX/XX/XXXX I was told it was a conditional approval. On XX/XX/XXXX, I asked for an update as well on XX/XX/XXXX with no response. XX/XX/XXXX I was told the loan is going through its normal process. I was told, by phone, NOT to pay my mortgage that we will close by XX/XX/XXXX. I did not pay XXXX mortgage at that time. XX/XX/XXXX I received an answer that all looks good. XX/XX/XXXX my loan is still under review. XX/XX/XXXX and XXXX, XXXX asking for update since it is passed the XX/XX/XXXX closing date. Received a message on XXXX XXXX that the loan was on track to close. XX/XX/XXXX, still under review and our loan was sold to another company. XX/XX/XXXX I was asked to pay XXXX mortgage and get a new payoff. from the new company. Payoff was received on XX/XX/XXXX. XX/XX/XXXX I checked on the status. 
XX/XX/XXXX, I asked for an update. XX/XX/XXXX. XXXX stated loan was in final review. XX/XX/XXXX, was told they were hoping to close in the next few days. XX/XX/XXXX, waiting to hear from underwriter. XX/XX/XXXX, asked for up date and I was told a different authorization was needed. Unsure what that meant and was not given an answer. They took care of the new authorization on that date. XX/XX/XXXX, asked for another update. Got an email to pay XX/XX/XXXX to mortgage, I paid and asked for another payoff letter. XX/XX/XXXX another payoff was sent. XX/XX/XXXX, Update requested. XX/XX/XXXX received a new loan processor. XX/XX/XXXX was told new lender needs another authorization for credit check and payoff since this paper work is over 60 days. I signed the authorization. XX/XX/XXXX, asked for update. On XX/XX/XXXX I was told my loan was denied due to late payments. Please note on page 2 of the attachment is the email stating our loan was approved.
Consumer complaint received 2022-03-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-07-31
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. (CA)

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX XXXX {$900.00} XXXX XXXX {$460.00} XXXX/XXXX XXXX {$420.00} XXXX XXXX XXXX {$11000.00} XXXX  XXXX XXXX XXXX {$140.00} XXXX XXXXXXXX {$500.00} XXXX XXXX XXXX {$28000.00} XXXX XXXX XXXX XXXX XXXX {$3300.00} XXXX XXXXXXXX {$900.00}
Consumer complaint received 2022-07-25
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: Experian Information Solutions Inc. (CA)

I have been submitting multiple letters last XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-06-08
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: HYUNDAI CAPITAL AMERICA (NY)

XXXX XXXX XXXX - This just proves your lack of proper record keeping. Now, this item is reporting to be 30 days past due ( XX/XX/19 XXXX, yet it is closed and the balance is XXXX. Lets correct this immediately. You are required to verify for yourself but I will go ahead and remind you that this account was paid, otherwise remove immediately. 

XXXX  - This account has been closed and paid, yet you report the current status as Late 30 days! Update or remove account immediately.
Consumer complaint received 2018-09-12
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OH)

Over the years I have tried working with Navient and prior to losing my job I was making on time payments. 

My issue with Navient is not only their refusal to work within my budget but it is also their behavior in an attempt to collect payment. Since XXXX they have aggressively contacted my mothers ex husbands family as well as her current husbands sister and children. These are people I have no contact with or relation to. 

They have also been incredibly aggressive with my grandmother on several occasions making her think she will lose her home. 

In XXXX of this year my grandmother was tricked into sending a payment which she was told would set my account current. My grandmother at the time was XXXX years old and  was presenting signs of XXXX. 

In XXXX of this year I contacted Navient again and asked what I could possibly do to come to an agreement on a payment that would work within my budget. I was not explained any options just given a set amount I could pay. This amount was not in my budget but I said for that month I could try and make it work and that I could send in {$250.00} and would make the remaining balance on my next payday which was a Wednesday but they said they needed payment by I believe that Monday. It is clear they would rather people default on their loans. 

Today I received an email that they might have additional options for me to be able to make payments. I immediately emailed Navient back and asked if they could please email me my options so I would have something in writing that I could go over instead of just listening to total payment amounts over the phone. 

I am more than willing to make payments in my budget but they are not willing to work with me and they would rather call and harass non family members ans tell them I have defaulted on my loans. 

I have done everything I can to try and save money, I was working XXXX jobs just to try and make ends meet with studen loan payments. 

I am currently trying to have my mortgage lowered to allow myself more cash flow that can be put towards my debt. 

Please let me know if anything can be done as I would love to make my loans current and not deal with the stress of daily harassing phone calls.
Consumer complaint received 2023-02-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a XXXX party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXX party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2022-03-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: World Omni Financial Corp. (FL)

( OPPORTUNITY TO CURE ) SOUTHEAST TOYOTA FINANCE has failed to perform after submitting numerous presentments. SOUTHEAST TOYOTA is still attempting to collect on an alleged debt which has yet to be validated. SOUTHEAST TOYOTA FINANCE represented by XXXX XXXX XXXX, have been highly misleading about their practices and have caused serious harm asa result of said actions. Furthermore, SOUTHEAST TOYOT FINANCE illegally repossessed my automobile, when they failed to provide a " NOTIFICATION BEFORE DISPOSITION OF COLLATERAL '' as required pursuant to ( U.C.C 9-611 ). SOUTHEAST TOYOTA FINANCE has now forfeited their " right '' to collect on this alleged debt as a result of said failure stated above. WITHOUT PREJUDICE, ALL NATURAL INALIENABLE RIGHTS RESERVED. XXXX XXXX XXXX, XXXX.
Consumer complaint received 2018-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I registered online on transunion.com to freeze credit report. After registration I was charged $ XXXX/month for credit monitoring service. There was no clear statement about the service fee. I was tricked to sign up such service. I called the company right away to cancel the service and tried to get a refund. I was put on hold for a long time, and finally a customer representative said their system was down, I needed to call back again. TransUnion doesn't conduct their business in a honest way.
Consumer complaint received 2018-05-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (NY)

I told Westlake financial in no uncertain terms that I could make a payment on XX/XX/XXXX. 
I told them this atleast a week ago, and they have continued to call me 7 times a day on my cell and on my house phone. Today they had the audacity to call my office. 
Enough of this XXXX for XXXX!
Consumer complaint received 2021-06-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''
Consumer complaint received 2019-03-29
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. (LA)

I have two violations on my credit report. One is a duplicate entry and the other is a coding violation. For the duplicate : Experian is reporting two separate line items for the same account ( for the XXXX XXXX ). These accounts have the same opening date, partial account number and balance. ( Please see pages 9 and 10 of the attached credit report. ) This double entry is harming my credit score. Only one account should be reflected on my credit report. 

XXXX is reporting incorrectly that I am 120 days past due on the XXXX - ( partial account numbers are listed in the spreadsheet attached this complaint ). ( Please also reference pages 9 AND 10 of the attached credit report ). These accounts reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2018-06-25
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: U.S. BANCORP (FL)

I began disputing these items on my credit report with the credit bureaus and the creditors beginning in XX/XX/XXXX and continued you to dispute them on 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, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I do not believe the items reported by US Bank, XXXX   XXXX and XXXX XXXX are reporting these items to my credit report in compliance with the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.
Consumer complaint received 2022-07-25
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. (CA)

I sent a letter on XX/XX/XXXX to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days ). Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX Balance XXXX {$7300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00}
Consumer complaint received 2018-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I was shocked when I reviewed my credit report and found two late payments for the following dates : XX/XX/XXXX & XX/XX/XXXX I am not sure how this happened. I believed that I had made my payments to you when I received my statement. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2022-07-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP (CA)

US BANK has operated willfully and negligently to deny my claim as rightful owner of vehicle with license plate CA XXXX VIN : XXXX. Payment made on XX/XX/2022 for the amount of {$78000.00} was made to the account/loan : XXXX. On many occasions, US Bank has unlawfully denied my claim to the property listed above.
Consumer complaint received 2023-02-01
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)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-01-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NV)

On XX/XX/2018, I opened this account using a promotional bonus offer of {$400.00} with specific requirements. I have met all the requirements and was not awarded the {$400.00} bonus as of today. I have contacted the bank multiple times without resulting in any resolution.
Consumer complaint received 2019-01-08
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 (MA)

XXXX keep lying and refusing to give the sign-up bonus I deserve. 

XX/XX/XXXX - I opened a XXXX XXXX card and met the spending requirement for the sign-up bonus. American Express sent XXXX points to XXXX as the sign-up bonus, and they confirmed this several times in few inquiries I have made. 

XX/XX/XXXX - I contacted XXXX to ask about this, and they opened a case and asked me to wait 2 weeks. 

XX/XX/XXXX - They sent an email that I didn't meet the spending requirement. I called Amex who said that is not true and they already sent the points. I chatted XXXX and they opened a case for this and asked me to wait 2 weeks. 

XX/XX/XXXX - I contacted XXXX again and they updated the case and told me wait 2 more weeks and there was no follow-up for this. 

XX/XX/XXXX - I finally conference called with both XXXX and Amex together because XXXX is refusing to give points for no reason, and they agree that I deserve the points. They said wait for 7-10 days to get it resolved, and offered some points for compensation. 

XX/XX/XXXX - I still didn't get any points ( even the compensation they offered ) so  contacted XXXX again. They said they updated the system and the case should be updated. Also told me wait more. 

They are refusing to give the sign-up bonus advertised and keep lying that the issue will be resolved soon. I patiently waited more than 4 months but it seems like they are mishandling this issue.
Consumer complaint received 2022-03-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 30 days so they should be deleted promptly. I demand these accounts should 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.