davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-19
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: DISCOVER BANK (CA)

Hi, On XX/XX/2020, I received email from Discover regarding " {$45.00} back when you join XXXX XXXX XXXX ''. Then I signed up on XXXX XXXX on XX/XX/XXXX, but still haven't received my {$45.00} statement credit. 

I have already tried to contact Discover via their online chat, and their agents and supervisors told me that " after reviewing the account, [ he ] found that it did not earn the XXXX XXXX XXXX statement credit. One or more of the requirements were not met. '' Then, I asked which requirements that it wasn't met. Their supervisor told me : There were several requirements which were listed in the email. These requirements include : 1 ) It must have been a new membership 2 ) The new member can not have been a member within the last 6 months 3 ) The offer could not be combined with any other promotions, including membership promotions offered by XXXX XXXX XXXX 4 ) Was only valid for a basic membership ; it excluded Plus memberships, membership renewal, membership upgrades, add-ons, additional memberships, pre-paid memberships or XXXX XXXX XXXX Gift of Membership 5 ) Only memberships bought within the United Sates are eligible Since the credit was not applied, one or more of these qualifications was not met. Is there anything else I can assist you with?

Sill, I have no clue which requirements I did not meet. I feel like that I have been scammed by Discover and request them to pay me back my {$45.00} bonus, since I followed every single step provided by their email promotion.
Consumer complaint received 2022-03-14
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (OK)

Went to refinance my home loan depot called me so I applied for loan. I told them than I was involved in modification. They took my money of XXXX and told me I was fine. Lead me on for two months. I finally called them back many times always blown off with different excuses. Now in the mean time I spent XXXX for bug inspection also. I'm a XXXX Veteran who is on a very fixed income. They never once called me or told me that because of my modification I wasn't eligible for loan. I finally called texted email them many time after it had been XXXX months of time. A XXXX finally called me and told me the news after trying many times to see what the hold up was. I feel they took advantage of a poor XXXX Veteran. Also told me they put in for a refund because the XXXX thought they should have caught the problem but they never refunded me my money. I feel severely mistreated lied to and also stolen from it was just wrong. I just hope that I can help other veterans not to be scamed like I was by loan depot. Please advise how to handle this problem so it doesn't happen to other older people and veterans. Thank you so very much. 
Sincerely XXXX XXXX
Consumer complaint received 2021-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PENTAGON FEDERAL CREDIT UNION (PA)

on XXXX my credit union merged with Penfed ( up ) credit union. I noticed early on a disparity of services between my member flu and Pen Fed. 

During mid XXXX I noticed I was not sent a PenFed debit card and was told my existed debit card would expire a couple days after the merger in XX/XX/XXXX. 

I was assured numerous times during XXXX I would be receiving a pen fed debit card. 
It is XX/XX/XXXX and I still have not received their pen fed debit card STILL WAITING
Consumer complaint received 2022-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (NV)

I don't really like how this page is designed, they don't give me many options. My complaint is specifically with Wells Fargo, I just discovered that they are stealing money from me, not only through credit but also through debit. 
A few days ago, I owed XXXX dollars, I paid XXXX, I only owed XXXX, because now I have a debt of XXXX. I also had problems with some airlines, unsuccessfully requesting their help, and nothing. 
I want a complete review of my account and if this matter is not with you then I ask you to direct me to the appropriate.
Consumer complaint received 2022-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (AL)

When I did my taxes in XXXX for the Year XXXX I found Credit Card opened that I did not. I contacted the Credit Cred Companies to dispute the Card and verified that I did not have anything to do with the Card being open. For months I called and disputed the Card over and over. I even disputed the Card on XXXX. All I head back is that the dispute was found I was accountable for the Card. This has been going on for years now and need them to be removed from my Credit Reports.
Consumer complaint received 2019-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

The accounts were not a charge off, they were paid off .. I took care of the accounts and they were paid in full.. Remove this error from my credit report asap XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

Hello Im trying to buy a house. This information on my credit profile is holding me a tried numerous times to have these account from Experian Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated.Im demanding this be remove
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX Account Number : XXXX
Consumer complaint received 2019-05-27
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. (OH)

I am a victim of Transunion 's Inquiry Issue. The customer service representative that answered my call would not remove the inquiries in question. The following are the inquiries that need to be removed from my credit report : XXXX XXXX XXXX via XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, LA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone number not available Requested On : XX/XX/XXXX XXXXL XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number not available Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX
Consumer complaint received 2019-07-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I am in receipt of a letter dated XX/XX/19 from Portfolio Recovery Associates to collect a debt owed to XXXX XXXX. At no time did I received notification from XXXX XXXX that they have hired Portfolio Recovery Associates to collect this debt. The account number for Portfolio Recovery is XXXX. The Fair Debt Act specifically states that a creditor must send a letter to the debtor informing them that they have sent this debt to a collection agency. I never received such a notice from XXXX XXXX. I have had problems with this collection agency picking up old debts that were written off by the creditor. I am asking that this company cease and desist from attempting to collect this debt from me : XXXX XXXX
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 — Their investigation did not fix an error on your report
Company: DISCOVER BANK (TX)

Information never changes on none of the accounts disputed and comes back as verified when there are clearly errors on account status, late or missed payments not being updated to none and collection accounts not being verified for removal instead being reported as charged off.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-03-14
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. (CA)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX BANK XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ERC (MA)

On XX/XX/XXXX I went to review my credit report as I periodically do through XXXX and XXXX XXXX. I noticed that I had a new collection account for {$90.00} that I wasn't aware of which had negatively affected my credit. It looked like it was from XXXX, but I have been and am current on all of my XXXX payments. I contacted XXXX, and after doing some research, they discovered that it was a past due payment from XXXX although on my report it stated that it was opened XX/XX/XXXX. I asked XXXX why they had never mentioned a past due amount since I have current accounts with them, but the representative wasn't sure. She was able to tell me that the collection was through a company called Enhanced Recovery Company or Enhanced Resource Centers ( ERC ), and she gave me their number. I contacted them and made the payment through an automated service. Upon further investigation, I realized I had never received any notification of this debt. When I went through the automated service they had the wrong address on file. I never received a phone call or letter regarding this matter or I would have addressed it. In addition, the information on my report was wrong because it stated that it had been opened on XX/XX/XXXX, and listed it as one month old instead of 12 years. I called ERC back to explain this, and they disputed what I was trying to explain to them. I filed a dispute with XXXX and XXXX ( it didn't appear on XXXX ), and the dispute has been granted and the collection item has been removed. 

My complaint is the unfair and inaccurate tactics used by ERC, and I am hoping that they do not continue this practice of reporting old debts as new debts on credit reports, especially without any notification to the alleged person that owes the debt.
Consumer complaint received 2022-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

My name is XXXX XXXX XXXX I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS, INQUIRIES, AND INACCURATE ADDRESSES from my credit report immediately.
Consumer complaint received 2022-02-08
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. (NC)

These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-03-14
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: PNC Bank N.A. (IN)

Contacted XXXX to remove PNC Bank inquiry from my credit report. 

The inquiry was made on XXXX2020. This was not made by me. XXXX customer service failed to take action. I also called PNC Bank to get it removed and they did nothing.
Consumer complaint received 2022-02-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (CO)

Dear Sir /Madam, We would like to report what we consider to be a predatory practice regarding a XXXX XXXX loan by our bank, Wells Fargo . 

In XX/XX/XXXX, we took advantage of a zero interest loan offer to finance the replacement of the old air conditioning system in our house. The amount of the loan was {$5500.00} to be repaid over 18 months. The loan was to be repaid through monthly installments of {$310.00} ( the first one was a little more, at {$380.00} ) and a last one of {$190.00}, to be paid through automatic debit from our bank account. All XXXX installments were paid in a timely manner through automatic debit. XX/XX/XXXX was the last installment of the 18 month loan. However, the last installment of {$190.00} was not debited, for a reason unknown to us. We received no alert, email or notification whatsoever that this final installment had not gone through. Because of this, Wells Fargo is now charging us with almost {$2000.00} interest retroactively, or nearly 40 % of the borrowed amount. 

On XX/XX/XXXX, we contacted the bank to contest this. Their justification wasthat an e-mail had been sent to us alerting us aboutthe last installment. Searching our personal emails and online Wells Fargo messaging system thoroughly, we found no record of any message. We paid the final {$190.00} but refuse to pay the XXXX dollar interest on the loan. The banks answer was that the dispute would be taken to a higher hierarchical level. To this day, no-one has gotten back to us. 

We consider that the bank is trying to retroactively change the conditions of the loan alleging the missing of a smallpayment that should have been directly debited by the bank. We would be grateful if the Bureau could provide some advice on how to proceed to stop a claim that is not only undue but completely out of proportion to the initial amount of the loan.
Consumer complaint received 2022-03-15
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. (MI)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2021-04-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

I received an offer from " Citibank Priority Savings '' to get {$700.00} to open an account with $ XXXX and keep it there for three months. That was up on XX/XX/XXXX and I got no money. After a couple weeks, I contacted them thru their chat and was told it takes up to 3 months " for processing. '' ( How much time does it take to credit an account!? ) So that put is at XX/XX/XXXX. In XXXX, still no money. Did another chat, they started a dispute. Dispute was " resolved '' by saying they were not aware of any such offer. Called XX/XX/XXXX and explained the situation. Asked for a supervisor. Said, " Give me the {$700.00} or close these accounts and get me a cashier 's check TODAY. '' He said that was not possible and then hung up. 

They must be held accountable for this bait and switch.
Consumer complaint received 2019-07-31
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Synergetic Communication Inc (TX)

I'm disputing the collection ( ACC : XXXX  ) Synergetic Commucation , Inc The collection agency has re-aged this account according to the original creditor 's date of first delinquency back in 2011. They're violating the FCRA.
Consumer complaint received 2022-10-10
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. (FL)

Credit bureau took more than 30 days to respond to my dispute letter. I am a victim of identity theft and I did not authorize XXXX XXXX XXXX and XXXX XXXX XXXX accounts to be opened in my name. The Credit bureau failed to provide 100 % factual proof of both alleged accounts.
Consumer complaint received 2021-06-13
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: CITIBANK, N.A. (CA)

Hi, I signed up for a promotional credit card with a zero percent promotional interest rate for a fixed period of months with no interest on purchases and balance transfers. As I reviewed my statements Citibank has been illegally charging me interest on the zero-interest card.
Consumer complaint received 2022-10-10
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: EQUIFAX, INC. (FL)

Credit bureau took more than 30 days to respond to my dispute letter. I am a victim of identity theft and I did not authorize XXXX XXXX XXXX and XXXX XXXX XXXX accounts to be opened in my name. The Credit bureau failed to provide 100 % factual proof of both alleged accounts.
Consumer complaint received 2019-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: SUNTRUST BANKS, INC. (OH)

XXXX is reporting false accounts on my report and I haven't been able to open a bank account. I have been a victim of identity theft and my character is being assassinated and defamed. Someone stole my information and opened bank accounts. XXXX  is reporting identity theft and fraud on my name by having this accounts on my report. 
SunTrust, XXXX, XXXX, XXXX XXXX financial institutions have been reporting balances owed, I never opened accounts with them.