davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-21
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: SYNCHRONY FINANCIAL (NJ)

I received a special promotional offer last year on XX/XX/2020 promising double cash back on my credit card account up to {$45.00} cash back ( attached ) - 4 % : 2 % standard + 2 % promo. I activated the offer as requested and spent $ 2000+ on that billing cycle, which is beyond the needed spending to maximize this offer ( 4 % of {$1100.00} = {$45.00} ). To this day, I have not received the {$45.00} rewards credit.
Consumer complaint received 2020-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TN)

I was affected by the data breach back in XXXX. Up until the data breach I had a credit score. However, Dating back to XXXX of XXXX, My score was no longer available. And on my credit report it was completely blank. I started contacting equifax about this issue. For a while I was able to login on the user portal and I still had no score. I spoke with a few representatives and no one was able to help me. I was always told to come back. I applied for a loan on XXXX XXXX, XXXX, and was denied to equifax. The denial letter stated, " unable to verify identity ''. I called equifax back that night, and a young man, I was on the phone with him for over 40 minutes. He informed me that I no longer had a credit score nor was I in the equifax database. I told the young man I shouldn't be penalized for something that was done with their system. So he told me that he would charge me {$15.00} for a credit report to help me. If the system does not approve me then I would get my money back. I didn't come up in the system that way because they don't have any information on my behalf. Now, I'm waiting on my refund.
Consumer complaint received 2015-09-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

The Attorney General of the State of Ohio sent expungement letters to Equifax requesting they remove XXXX liens which were on my report. I sent a certified letter to Equifax requesting the removal. I have heard nothing so far, and the items remain on my report as of XX/XX/2015. Please help me settle this dispute. I thank you for your time on this matter.
Consumer complaint received 2022-10-14
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: EQUIFAX, INC. (NY)

I Recently Viewed My Equifax Credit Report and Noticed EQUIFAX has An INQUIRY.. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX I DID NOT GAVE OR AUTHORIZED EQUIFAX PERMISSION TO FURNISHED AN INQUIRY ON MY REPORT. NOR DID I SIGN AN AGREEMENT OR CONTRACT WITH EQUIFAX ... .SO I NEED THAT iNQUIRY TO BE DELETED IMMEDIATELY.
Consumer complaint received 2020-02-21
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. (TX)

XXXX ; Experian and XXXX are reporting incorrectly a balance due of {$7200.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This vehicle was sold at auction and sold for more than what was owed and consequently there should be no outstanding balance due. This false reporting of a balance due is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-02-21
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. (TX)

XXXX ; XXXX and Transunion are reporting incorrectly a balance due of {$7200.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This vehicle was sold at auction and sold for more than what was owed and consequently there should be no outstanding balance due. This false reporting of a balance due is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-02-21
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: EQUIFAX, INC. (TX)

Equifax ; XXXX and XXXX are reporting incorrectly a balance due of {$7200.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This vehicle was sold at auction and sold for more than what was owed and consequently there should be no outstanding balance due. This false reporting of a balance due is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-02-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hello, I have been disputing an XXXX XXXX account for a while. The credit agencies will not allow me to dispute even though this account is incorrect. I sent a dispute to the creditor and they were not able to prove that this account was mine. They sent me back a bill, which by law does not equate to proof. They have NOTHING with my signature. I sent this to the credit bureaus and they disregarded the info. They have sold the account and the creditor and agencies will not remove. This information is inaccurate and costing me. This debt HAS NOT been properly verified.
Consumer complaint received 2020-02-21
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: ENCORE CAPITAL GROUP INC. (DE)

MIDLAND CREDIT MANAGEMENT After recieving my sworn testimony ( Affidavit ) Midland Credit Management notified me in writing ( attachment ) that they have opened an investigation and are awaiting documents from the Original creditor. This could take up to 90 days. During the process of this investigation, this account should not be reporting on my credit profile.
Consumer complaint received 2020-02-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

Hello, I have been disputing an XXXX XXXX account, acct number XXXX for a while. The credit agencies will not allow me to dispute even though this account is incorrect. I sent a dispute to the creditor and they were not able to prove that this account was mine. They sent me back a bill, which by law does not equate to proof. They have NOTHING with my signature. I sent this to the credit bureaus and they disregarded the info. They have sold the account and the creditor and agencies will not remove. This information is inaccurate and costing me. This debt HAS NOT been properly verified.
Consumer complaint received 2021-04-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (IL)

I tried purchasing a electric bicycle from a seller though the app offer up. After he explained that the app didn't allow for shipping for we moved our conversation to a private chat through regular SMS conversation. 

He offered sending me the shipping label before I would transfer my payment for {$710.00} through the payment service Zelle. I agreed and upon receiving a shipping label of an oficial UPS store with my correct shipping address, I transfered the agreed money to the seller. He confirmed receipt and shared with me the tracking number. This tracking number never got uploaded or got active in the UPS tracking system and after asking this to the seller, he stopped all conversations with me. 

I called my bank ( XXXX  ), to report the scam, unfortunately they were not able to give me any type of case number or told me if they were going to refund or protect me from this issue. This is the first type of report XXXX issue with my bank and I have a great standing relationship with them with two credit cards under my account with 100 % payment history.
Consumer complaint received 2020-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (SC)

2 major issues.

1. I opened a number of XXXX XXXX card with Citi for promotional offers, I met the terms and the bonus miles were in my XXXX account. XXXX XXXX closed my account because they said citi paid out too many bonus. 

2. Some of the benefits of my citi executive mastercard which has a {$450.00} fee are free checked baggage and access to admirals club lounges. None of these benefits are being honored due to the XXXX XXXX account being closed I attempted multiple times to have citi either correct the issue to honor the benefits or close my a citi executive account ending in XXXX and refund {$450.00} annual fee. 

They just keep telling me to call XXXX XXXX This doesn't even address the hundreds of thousands of miles I lost with XXXX XXXX due to citi
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (MO)

I have received debt collection letters from the following firms : Cavalry Portfolio Services , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Regarding a collection for debt with the following information : Creditor : Cavalry SPV I , LLC  Prior Creditor : XXXX XXXX XXXX Account No : XXXX XXXX XXXX No. : XXXX Current Balance : {$4600.00} XXXX XXXX XXXX File Number : XXXX I have sent two dispute letters to Cavalry SPV I , LLC and one dispute letter to XXXX XXXX XXXX XXXX. 

I do not have any responsibility for the debt they are trying to collect. 

Cavalry SPV I , LLC sent me a copy of a bill from XXXX with the Account Number XXXX as a verification of debt. This bill was addressed to : XXXX XXXX XXXX XXXX LA XXXX This is not my address and has never been my address. They are sending these collection attempts to the wrong person. 

In addition, I pulled my credit report from each of the three nationwide credit reporting companies XXXX XXXX and XXXX. These companies have no record of Inquiries from XXXX XXXX XXXX in my credit history. Also, these companies have no record of a XXXX XXXX XXXX   account belonging to me in my 26-year credit history. 

This debt does not belong to me but they are continuing to attempt to collect on it.
Consumer complaint received 2020-02-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My Mother stablished a Trust Fund ( Trusts name : XXXX XXXX ) with Merrill Lynch XXXX  office, on XXXX, with specific instructions ( wishes ) that the trust ( money ) should be distributed in equal parts with her heirs after the decease of our father, that happen las XX/XX/XXXX we contact them 2 days after XX/XX/XXXX and since them all we have hear from them are not really reason why they have not met the wishes written on said trust. 
Emails of people Involved, XXXX Trustee XXXX officer of Merril Lynch in XXXX
Consumer complaint received 2021-02-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I reviewed my credit file and found the following items reporting as a result of identity theft. Please remove the following items from my credit file : Incorrect Names : XXXX XXXX XXXX Incorrect Names : XXXX Incorrect Names : XXXX XXXX XXXX Incorrect Address : XXXX XXXXXXXX Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX Bal : {$59.00} XXXX XXXX XXXX - XXXX XXXX - Bal : {$660.00}
Consumer complaint received 2020-02-21
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cottonwood Financial Ltd. (KY)

A company XXXX XXXX called my number asking for my wife. 

XXXX associate says his name is XXXX XXXX - phone # XXXX I tried to call this number back and a recording says it's a non working number. 

He gave me a case # XXXX Says it is a Formal Complaint originated XX/XX/2014 and did not want my wife to miss her court date. 

Proclaims she got a loan from the The Cash Store. 
Originated XX/XX/2014 Debt proclaimed owed= {$1000.00} My wife nor I have never requested a pay day loan. 
He said that the birthdays do not match and the social did not match. I only gave the last 4 of my wife 's social. 
He said the complaint was for XXXX XXXX at our correct address, but birthday and social did not match and he would clear it up. This was the end of the conversation I am worried this is a scam and I gave to much information. My wife also received a similar call last week.
Consumer complaint received 2020-02-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (CA)

I have recently applied for a home equity line of credit from Wells Fargo with the intention of putting a small addition on my house. I have banked with Wells Fargo for about 10 years and use their internet portal to manage my accounts. This service provides a real time credit score. For me this number is XXXX ( screen shot included ). This number lured me into a false belief that I had excellent near perfect credit. Based on this number I applied for a loan with Wells Fargo with high confidence. After applying for the loan I learned 2 things. First, Wells Fargo does not use the number they show you to rate your credit on loan applications ( bait and switch ). Second, I had a small problem with my credit, an unpaid portion of a medical bill ( XXXX $ ) that was in collections and had knocked my real credit score down to XXXX a 139 point delta against me. If Wells Fargo had been showing me an accurate number I would have suspected a problem and been able to correct it. Instead Wells Fargo has been showing me an elevated number and I applied for a loan with false confidence that will now cost more because of a higher interested rate based on my lower credit score. Wells Fargo is acting in bad faith.
Consumer complaint received 2020-02-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (DE)

I move and asked for my final bill be sent to my new address and nerver recieved a final bill to date. This was put on my XXXX and I disputed it and it was  taken of my credit report. Now they sent it to Southwest Credit and they are calling me at work. XXXX XXXX needs to be investgated on there billing procedures.
Consumer complaint received 2020-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I signed up for a 7-day trial with Transunion. However, they charged a {$26.00} Subscription Fee for 3-Burea Credit Monitoring on XX/XX/2020 without my consent, and without providing the the service reporting.
Consumer complaint received 2020-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

In XXXX I had run into financial difficulties. I contacted my lender and asked to change my payment date so that I had time to catch up. They agreed and sent me a confirmation and I paid off my loan. Now eight months after the fact they're trying to report me late for that month to the credit bureaus and taking zero responsibility for their actions. I want these people held accountable. This is unfair to 1. Report something falsely and 2. Report it 8 months after the fact especially since the account is paid off anyway. It's a slap in the face to people who are rebuilding their credit. This takes 3 years of good progress in building credit after a bankruptcy and throws it in the trash.
Consumer complaint received 2020-02-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (MA)

XXXX sold me 2 new cell phones without letting me know that they were adding an extra line to my account. When i found out about this, i went and returned to the cell phones to them. I have a receipt for the returns. I was very upset about what they had done, so i closed my account with them as well. 

They sent my account to collections, even though they owe me a credit of {$1600.00}
Consumer complaint received 2019-10-14
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: CITIBANK, N.A. (NJ)

I disputed a charge with Citi Bank credit card double cash ending XXXX for the amount of {$74.00}. The dispute ID is : XXXX. 

I did not receive the merchandise and after I failed to resolve the matter with merchant, I disputed the charge. 

Citi bank only informed me that merchant stated the merchandise was delivered. However, delivered didn't mean received. The merchant has failed to provide any evidence that I received the merchant. The only reviews indicates there are problems with the merchant 's customer service. 

Citi bank has failed to provide the merchant 's response to me even thought I requested.
Consumer complaint received 2020-02-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Abbott Osborn Jacobs PLC (MO)

I have received debt collection letters from the following firms : XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX and Abbott Osborn XXXX PLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Regarding a collection for debt with the following information : Creditor : XXXX XXXX I, XXXX Prior Creditor : XXXX XXXX XXXX/XXXX  Account No : XXXX XXXX  Account No. : XXXX Current Balance : {$4600.00} Abbott Osborn XXXX File Number : XXXX I have sent two dispute letters to XXXX XXXX XXXX XXXX and one dispute letter to Abbott Osborn XXXX PLC. 

I do not have any responsibility for the debt they are trying to collect. 

XXXX XXXX XXXX XXXX sent me a copy of a bill from XXXX with the Account Number XXXX as a verification of debt. This bill was addressed to : XXXX XXXX XXXX XXXX LA XXXX This is not my address and has never been my address. They are sending these collection attempts to the wrong person. 

In addition, I pulled my credit report from each of the three nationwide credit reporting companies XXXX, XXXX, and XXXX. These companies have no record of Inquiries from XXXX XXXX XXXX in my credit history. Also, these companies have no record of a XXXX XXXX XXXX/XXXX   account belonging to me in my 26-year credit history. 

This debt does not belong to me but they are continuing to attempt to collect on it.
Consumer complaint received 2021-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Atlanticus Services Corporation (CA)

I have tried to report my card lost for the second time as it has not arrived in the mail. I have reached out to Aspire many times, but they refuse to mark my card lost and send a new one. To rub salt on the wound, they are demanding me make payments on my card although one has never been in my possession and I have reported it lost.
Consumer complaint received 2020-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Uplift, Inc (CA)

In XXXX I had run into financial difficulties. I contacted my lender and asked to change my payment date so that I had time to catch up. They agreed and sent me a confirmation and I paid off my loan. Now eight months after the fact they're trying to report me late for that month to the credit bureaus and taking zero responsibility for their actions. I want these people held accountable. This is unfair to 1. Report something falsely and 2. Report it 8 months after the fact especially since the account is paid off anyway. It's a slap in the face to people who are rebuilding their credit. This takes 3 years of good progress in building credit after a bankruptcy and throws it in the trash.