davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-17
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: WELLS FARGO & COMPANY (NY)

I received a promotional offer for a Wells Fargo XXXX XXXX XXXX XXXX. Included in this promotional offer was a {$300.00} cash for {$3000.00} in charges during the first 3 months. Wells Fargo included fine print that said that I am not eligible if I received another promotion during the preceding 15 months. Wells Fargo had this information at the time Wells Fargo solicited my credit card business. Wells Fargo determined that I was not eligible for this promotion, but they accepted my application for the card and did not inform that I was not eligible for the promotion. Wells Fargo should not solicit credit applications from people using a promotion that they are not available to receive when Wells Fargo has that information at the time of the solicitation. Worse, Wells Fargo should inform accepted cardholders that responded to a promotion that they are ineligible to receive, that they are ineligible to receive it. Wells Fargo is comfortable that they solicit credit applications from potential customers that are ineligible for the advertised promotion and does not feel the need to disclose their determination of ineligibility to the accepted applicants. This is wrong. I informed Wells Fargo Credit Card executive office, and they are comfortable with both the misleading solicitation and the lack of disclosure. This was confirmed to me by XXXX XXXX on XX/XX/2019.
Consumer complaint received 2019-01-17
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. (MI)

I am filing a complaint against Transunion, XXXX for their continued willful and negligent noncompliance to fix erroneous information on my credit report. Despite XXXX written request, Transunion failed to resolve the matter and continuously responded back that the information was " verified '' with no documentation to support the method of verification or accuracy of the disputed accounts. The FCRA law is clear regarding my rights and Transunion have caused me great credit damage because I have been denied credit on numerous occasions and been charged high interest rates due to the incorrect information on my file. I hope this matter can be resolved as soon as possible.
Consumer complaint received 2022-09-27
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 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX. XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions 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 2022-01-28
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: RMA Credit Association (TX)

They do not have a hippa release form with my signature and their name in a contractual obligation with full disclosure and meeting of the minds, this is an opportunity to cure anything after this will be a notice of civil action, they are not medical professionals and already gave me proof that they have my private medical records.
Consumer complaint received 2021-05-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Commonwealth Financial Systems, Inc. (MS)

My report is stating that I owe over XXXX dollars to XXXX XXXX XXXX or creditor that I had no knowledge about any account.I feel very threatened that I'm having these things on my credit report and my whole life I never borrowed from anybody or anything.I don't understand what I owe exactly but its identity theft. It may possibly be that my I'd was stolen? And someone must have used it. Can you tell me where the account they say I have is? Or what type of loan maybe? Cause its been a long time since I had even over a XXXX dollars! Some of those names and addresses aren't mine. Do I have a mortgage or vehicle? If so what do I have?
Consumer complaint received 2021-04-19
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: JPMORGAN CHASE & CO. (CA)

This chase business card was fraudulently used to make purchases. I reported this to chase and they did not remove these fraudulent charges from my account. The whole balance of {$8200.00} was due to fraudulent charges. Chase continues to report these fraudulent charges on my personal credit report, damaging my credit. This is my last attempt to get these fraudulent charge resolved before seeking litigation.
Consumer complaint received 2021-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I recently sent a letter to XXXX, Equifax, and XXXX  on XX/XX/2021, to let them know that I was a victim of identity theft, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond.
Consumer complaint received 2018-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (CA)

On or around XX/XX/XXXX I submitted a Citi Price Rewind request for a XXXX XXXX console that I purchased on XX/XX/XXXX for XXXX plus tax. The advertised price I found was on XXXX for XXXX plus tax. The lower price included the date, website screen shot, item description, and sales price -- all of the information listed as required by the Citi Price Rewind Terms and Conditions. The response I got back was that my request was denied because they could not find a lower price -- despite the clear evidence that I submitted to them.
Consumer complaint received 2022-09-28
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. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$9300.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1600.00} XXXX XXXX XXXX Balance Owed : {$560.00} XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1600.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$9300.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$490.00} XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (CA)

Open loan XX/XX/XXXX amount {$20000.00} XXXX  months / {$640.00} / month period XX/XX/XXXX to XX/XX/XXXX paid {$640.00} transaction amount on the term of contract no delinquency no late fee. 
period XX/XX/XXXX paid and full the loan {$12000.00} ( overpaid {$64000.00} ) account current payment satisfactory, no delinquency no late fee no past due. 
paid the loan on XXXX  months current on XXXX  month therm. loan current every month. 
period XX/XX/XXXX to XX/XX/XXXX current. 
the CoXXXX HUNDAY MOTOR FINANCE report my delinquency late payment charge off on XXXX, XXXX and XX/XX/XXXX to XXXX credit agency credit report. XXXX, XXXX and XXXX. The Co. promise of correction nothing came. 
I lost XXXX point for false report from HUNDAY MOTOR FINANCE. 
I contact the Co. on the phone promise of correction to fix the problem. Nothing came. 
I contacted from dispute the XXXX credit agencies with additional proven documents. my problem if not fixed date XX/XX/XXXX. 
the Co. HUNDAY MOTOR FINANCE return to me the overpayment {$640.00} on XX/XX/XXXX. is never correct the problem of late payment on the XXXX Agency. 
I am current loan pay satisfactory and no charge off delinquency late payment
Consumer complaint received 2021-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (CA)

I have 4 student loans with Nelnet. Nelnet is incorrectly reporting that my student loans were 150 days late twice, back in XXXX, and XXXX. My student loans were never late. I have contacted Nelnet and wrote letters regrading the issue and they have yet to remove the 2 late payments from 2017 and 2019. Also under 15 U.S Code 1681b Permissible Purposes of Consumer Reports I never gave Nelnet written consent to report these accounts. As a consumer these accounts must be deleted immediately, or i will seek monetary damages in small claims court in my city and sate.

Under 15 U.S Code 1681b Permissible purposes of consumer reports i never gave Nelnet any written consent to report anything on my consumer report and no consent is IDENTITY THEFT.
Consumer complaint received 2021-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

2 weeks ago ( plus/minus ) I requested my 3 annual credit reports. both XXXX and XXXX sent me my reports. transunion sent me a postcard requesting documents that I do not readily have, can they do this when the other 2 did not? and if not what can you do?
Consumer complaint received 2021-05-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Marlette Funding, LLC (NV)

XXXX XX/XX/2021 I called BestEgg via phone and requested my auto payment to be canceled due to changing banks until further notice. The request was said to be done. I made a one time payment from XXXX via Bestegg website. One time payment of full payment due amount {$890.00} from XXXX on their website after the phone call. 
XXXX the auto payment was canceled so I made a one time payment from a new bank XXXX XXXX, the payment was successful. 
XX/XX/XXXX, I am confused why the XXXX account is on autopayment and then uncover BestEgg double billed me in XXXX. I made a one time payment from XXXX XXXX and an Auto Recurring from XXXX. I asked again for the autopayment to be canceled on XX/XX/2021. 
The bestegg.com website itself does not allow me to setup any auto payment, only one time payments. Bestegg must have decided to help themselves to my XXXX account in XXXX. Called Bestegg on XX/XX/2021 to discuss this mess.
Consumer complaint received 2021-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

I recently attempted to get pre-approval for a mortgage to buy a new house after obtaining a contract on my existing home. I was not aware of any problems with my credit and knew of no issues that might affect me getting pre-approved for a new mortgage. However, the mortgage broker I enlisted said that my current mortgage company, XXXX XXXX, showed me as being 60 days late on my XXXX payment. I have bank statements ( attached ) showing payments made from XX/XX/XXXX to the current date, XX/XX/XXXX, for the balance due, plus additional principal payment, in the amount of {$1600.00}. I have repeatedly called XXXX XXXX but all attempts at getting anyone to help me have been unsuccessful. They will not work with the credit bureaus to remove the 60 day late notice from my credit report. They continue to refuse my requests to speak with someone that has the authority to help with my request. I have been treated with callous indifference by everyone I have spoken to. As a result, I am at their mercy and will be homeless when I close the sale of my house unless I can get this corrected.
Consumer complaint received 2021-05-18
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: EQUIFAX, INC. (SC)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance.
Consumer complaint received 2023-06-07
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. (ME)

1. Capital One removed a fraud account that did not belong to me last year when it was discovered during a routine security background check. I work in the XXXX XXXX and it was discovered that while I was working in XXXX and XXXX, somebody had opened a XXXX XXXX account with my details without my knowledge or consent. They also removed the account from my credit listed by XXXX XXXX, who they had referred the fraud account to. 

On XX/XX/XXXX, XXXX XXXX and XXXX began collections against me again illegally, and began reporting the fraud account against me illegally again. This is slander and XXXX. I gave them proof I was out of the country and I never opened the account.
Consumer complaint received 2021-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (OH)

Before I start this complaint, as I have stated to PNC representatives, I have no problem paying overdraft fees if I present a transaction at the time of purchase and the funds are negative. On XX/XX/XXXX, the account available balance was XXXX cents ; however, to my surprise on XX/XX/XXXX, I was charged two overdraft fees of {$36.00} for an available balance of XXXX. I used my debit card for these transactions and at the the time of transaction, funds were available and had a positive balance. With this being a new account and one direct deposit on the account, if I had a negative balance on the account, the transaction would have rejected. I spoke to a Retail Support Manager and I explained and he confirmed - if I have opted out of coverage - the transactions would have gone through and fees wouldn't be assessed. Since I opted in, fees were assessed. If I had a positive balance when I swiped my cards, what service was used for me to occur overdraft fees in the amount {$72.00}. 

Also, the mobile app currently says that I could overdraft {$89.00} from XX/XX/XXXX to XX/XX/XXXX ; however, this amount has been processed.
Consumer complaint received 2021-05-18
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: CITIBANK, N.A. (GA)

I have a Citi Diamond preferred credit card that has three fraudulent charges made in XXXX. The first was on XXXX to XXXX in Ohio, for {$730.00}. The statement shows a phone # XXXX as XXXX. The second charge was on XXXX to XXXX XXXX XXXX for {$150.00}. The last charge was again to XXXX for {$210.00}. 
I have called Citi Cards twice to dispute this, and sent them a letter. I received a letter date XX/XX/12 that said they tried to contact me for further information but because they could not reach me they closed the investigation into the charges. This is a lie, I have been checking my emails every day and have not seen a request for more information. 

I do not use either of these companies. I live in Georgia and XXXX is in the mid west.
Consumer complaint received 2022-01-28
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. (NY)

The problem is on two sides. It rests with both Experian and XXXX XXXX XXXX. On the XXXX XXXX XXXX XXXX, they had not reported anything to my credit report since XXXX. However, I was trying to clean up my credit report and I noticed there was an unpaid debt on there from a totaled XXXX XXXX XXXX XXXX that I missed a payment on. 

After settling the debt with XXXX XXXX XXXX in XXXX of XXXX, they didn't just report to Experian that I settled the debt. They also reported that it was in a state of charge-off, which they had not reported for 4 whole years prior. This wouldn't ordinarily be an issue, except XXXX has taken it upon themselves to convince Experian that this charge-off happened in the months of XXXX and XXXX of XXXX, which is wildly incorrect. This debt was owed for a very long time before I paid it off. There is no way it became charged-off RIGHT AS I PAID IT OFF. 

I have tried multiple times to dispute this with both Experian and with XXXX XXXX XXXX to no avail. With my last attempt to dispute this, I explained in a very detailed manner why and what was at issue to the Experian personnel, and they said the report was updated BUT NOTHING HAS CHANGED. 

I have run out of options. Despite my otherwise decent credit report and attempting to do the right thing in this circumstance, the recency of this alleged charge-off has prevented me from obtaining any other forms of credit that I very much need to acquire ( an auto loan, and a debt consolidation loan- both rejected because of this erroneous and punitive charge-off entry in my credit report ).
Consumer complaint received 2022-01-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings (TX)

Got a call from new york ( XXXX ) XXXX. They said they were from a settlement company a law office and if I didnt pay the settlement that I could be arrested as soon as tomorrow that I would lose my job I would go to jail and it would be reported to the credit bureau XXXX They said I had to buy a XXXX XXXX so I can pay them because that is all they took the settlement was for {$400.00} I went to the nearest convenience store to buy the XXXX XXXX gave them the information.Then I looked up the law firm and it came up as a scam I quickly use the {$400.00} for something else to use the money since I can not take it out at the ATM the XXXX XXXX prepaid card is in zeros now. I also got instructions to take a picture of the card front and back and the receipt and send it to XXXX XXXX phone number is XXXX.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I made various attempts to submit proof to remove inaccurate information from my credit reports. Im attaching all documentation submitted to the bureau. They are violating my right to have accurate information reporting on my credit report. As such, they need to rectify immediately.