davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-16
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. (VA)

Today XX/XX/XXXX I called TransUnion to report six unauthorized fraudulent hard inquiries accounts that was on my TransUnion credit report after doing so the customer service representative, told me " sorry, but i can't help you out today with your problem '' .The list below is the names and dates and address and contact information of all six fraudulent hard inquiries accounts that shouldn't be on my TransUnion credit report. 

Inquiry : 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 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
Consumer complaint received 2019-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Meridian Financial Services, Inc. (CA)

Meridian Financial Services ( XXXX XXXX XXXX ) is a collection agency that is hired by XXXX XXXX XXXX. They are a subsidiary of XXXX XXXX. XXXX XXXX has joined XXXX XXXX  yet XXXX XXXX is involved with assessing me penalties and fees. The balance is incorrect and the balance was been paid off on XX/XX/2019 through my XXXX Credit Card. Meridian never mailed me a statement until I was 3 months past done on my account. They refused to remove the remark. I have written a dispute to the three credit bureaus but it takes time and there are no guarantees. I want this company to be held accountable and I should not have to pay for the {$240.00} of penalties and late charges they are charging me. I would like further reimbursement for those charges. The correct mailing address is on my original contract or trust deed for my contract, yet both XXXX XXXX and Meridian Financial failed to mail my statement there until after I was three months delinquent and this has impacted my credit.
Consumer complaint received 2019-09-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MA)

I have been making two payments towards my mortgage so I can pay less interest and pay off my loan faster. I have called Freedom Mortgage multiple times to ensure it was being applied correctly and each time the representative tells me they are not allowed to discuss this with me which I thought odd. I have realized that my access to forms online and the paper statements aren't really reflecting that I am paying down my mortgage faster and decreasing interest as I have intended. I recently saw my first of two payments is listed under " Posted to Suspense ''
Consumer complaint received 2018-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/2018, I applied for the Amex Everyday Credit Card online on americanexpress.com. Prior to applying i reviewed the offer online along with it its terms, conditions and limitations. The promotional offer for new members on purchases and balance transfers was 0 % apr for 15 months with 0 % balance transfer transaction fee. This was a good offer since I wanted to do a balance transfer of {$15000.00}. I applied and was approved for the card with a credit limit of {$25000.00}. 

I called in to take advantage of the Balance transfer offer. I was then told by a representative that there is a limit on the balance transfer of the lesser of {$7500.00} or approved credit limit. In this case it was {$7500.00}. This information was not disclosed anywhere nor can it be found on card members agreement prior to applying. In this case is {$25000.00}. I demanded to speak to a manager. I read to the Manager the terms & conditions along with card members agreement in writing stated that balance transfers maximum is upto your credit limit. The manager stated, " You can only find this information after you have applied ''. This is false advertising and extremely misleading. They purposely left out information. If I had known this information I would not have applied for this card and take a credit inquiry. I would have taken my business to another financial institution. 

When I received the card, i noticed that it stated that the " Promotions 0 % APR '' is only for 12 months. This is not what I applied for. I called and the representative stated that I knew this information when I was applying for the card. I have the Rates, fees along with the terms of conditions on the date I applied for the card that specifies 15 months 0 % Intro APR. They could not resolve this. American Express is offers this introductory APR of 0 % for 15 months standard for this card. They could not admit that their system had an error. I have documents to prove they have advertised falsely and misled me as a consumer.
Consumer complaint received 2018-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (CA)

I went through a rather opaque process of trying to increase my spending power for my American Express card for a family trip I am planning in XX/XX/2018. The online chat agent was very helpful and told me to call the Account Services phone number. When I called them, the agent there was very friendly as well but gave no specific reasons as to why they couldn't increase the limit. He mentioned that it will increase from time to time, but it's been 18 months of good standing and I still don't have any more clarity into actionable reasons as to why they can't increase the limit. It's forced me to pay intramonth, which is more an inconvenience than anything.
Consumer complaint received 2019-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Transunion and/or its Attorneys, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX notified XXXX XXXX XXXX by mail in regards to a settlement for improper reporting. XXXX XXXX declined to settle the matter because all or most of what was on her credit report was disputed in regards to public records and there are several missing accounts that are not reported and this may be due to the injunctive relief granted to Transunion to not report such accounts.
Consumer complaint received 2018-11-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (CA)

i bought used car and car financing center in XXXX said come back in 6 months to refinance if i made my payments on time. when i did, he kept putting me off and then offered me to buy a bigger car. when i did, it broke down ( I now believe that he stopped the car because he did not like the deal ). he gave me my other car back ( I thought while the other car was being fixed ) and would not give me back the bigger car. then the first car that i bought broke down. he took it from the shop i left it at and repaired it without my permission. i reported this to XXXX. there is a starter stopper and GPS in my car that i did not know about or consent to. but yet credit acceptance corporation sent me a copy when i asked for one that is a declaration acknowledging electronic signature that i never saw or signed. my name is forged! the finance company has no problem with this dealer selling cars that are about to break down and then use the warranty to fix the cars instead of fixing the cars first. the dealer did not give a copy of the warranty either. the dealer had me " buy here, pay here '' and paid my payment late when i asked about refinancing. i asked finance company why they take the payments from the dealer. they said that they did not know who wired the payment. the dealer also keeps a key of the car. i am afraid that the car will not make it to the end of my loan and warranty is up soon. i do not know what else they forged my name on! help!
Consumer complaint received 2022-07-14
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: Bread Financial Holdings, Inc. (NC)

Comenity Bank has once again violated the FCRA. On XX/XX/2022 I received notification that they checked my credit report without my consent. 

That is illegal, and not only must the remove the inquiry from my consumer report, I also demand them to delete their inaccurate reporting listed under my social security number.
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I AM, XXXX XXXX SUBMITTING THIS COMPLAINT AGAINST EXPERIAN INFORMATION SOLUTIONS INC. AND TH

EIR IS NO THIRD PARTY INVOLVED. I DEMAND EXPERIAN INFORMATION SOLUTIONS INC. TO PROVIDE ME A COPY OF MY WRITTEN CONSENT AND WRITTEN INSTRUCTIONS TO FURNISH THESE FRAUDULENT & INACCURATE SAID ACCOUNTS ( EXHIBITS PROVIDED ). AND PROVIDE ME WITH EXPERIAN INFORMATION SOLUTIONS INC . VERIFICATION METHOD TO " VERIFY " SAID ACCOUNTS. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ) EXPERIAN INFORMATION SOLUTIONS INC. HAS VIOLATED MY RIGHTS 15 USC 1681 SECTION 602 A STATES I HAVE A RIGHT TO PRIVACY 15 USC 1681 SECTION 604 A SECTION 2 IT ALSO S TATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-04-06
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)

Account shows several incorrect amounts of late payments. XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Account is over 8 years old.
Consumer complaint received 2018-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

I signed up for a joint checking and savings account on XX/XX/2018. The offer at the time was for a {$400.00} bonus if I kept {$15000.00} combined in the accounts for 60 days, and the bonus would be credited to me within 90 days of time interval completion. This means the latest date the bonus should have been credited was XX/XX/XXXX. As of XX/XX/XXXX, no bonus has been credited. I have contacted Citibank on XX/XX/XXXX to check on the issue and I was promised that the bonus would be credited by XX/XX/XXXX. On XX/XX/XXXX, I contacted Citi again because the bonus was still not credited. A case was opened on my behalf and I was assured that I would have a response within 2 business days. I received no communication from the bank regarding this issue in those days. I contacted Citi again on XX/XX/XXXX, and was told that the case was received and established that I was eligible for the bonus, and that the bonus would be credited to me within 3 business days. 3 business days have since passed, and no bonus is pending or posted to my account. I feel I have been very patient with this issue and I am extremely dissatisfied with Citibank regarding the process.
Consumer complaint received 2019-09-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

I have reported to Bank of America four fraudulent charges to my credit card. All the charges were for XXXX. I have never had an XXXX account. I spoke with XXXX, who verifed that I do not have an account there. XXXX investigated and told me that someone else used my credit card fraudulently, and XXXX said they have now closed that account. However, Bank of America seems to have done no fraud investigation. Bank of America gave me a temporary credit for all four fraudulent XXXX charges, but then Bank of America charged one of the fraudulent charges back to me with no explanation. When I asked for an explanation they could not give me one. They said they would send me a letter about the chargeback but they did not. I feel that since I first reported the fraudulent charges to Bank of America on XX/XX/19 ( more than 90 days ago ), they have had ample time to do an investigation and resolve this. I am unable to determine why Bank of America has not resolved this problem because they will not give me information, and they have refused to let me speak with an investigator or supervisor. 
Here are the fraudulent charges from XXXX : XX/XX/19 {$1100.00} XX/XX/19 {$1300.00} XX/XX/19 {$6900.00} XX/XX/19 {$6900.00} I have contacted Bank of America about this problem on the following dates : XX/XX/19 XX/XX/19 XX/XX/19 XX/XX/19
Consumer complaint received 2019-01-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (TX)

Around XX/XX/2018 I began discussions with XXXX XXXX, Branch Manager at Huntington Bank regarding opening a Business account to service my clients in Michigan. I reached out to the XXXX XXXX Branch of Huntington bank and began discussing the type of business I own and operate along with any and all requirements we would need in order to make sure the bank was willing to accept us as a client. I answered and provided all information requested by the branch manager, treasury manager, XXXX XXXX, and community manager, XXXX XXXX who assured me that there would be no problem opening my business account provided I set up a vault service. I was advised, given pricing, and contact information regarding " Huntington Vault Service Pricing and info '' which is an armored currier service I was told by Huntington would have to be set up in order for us to have a banking relationship. At the sole direction of Huntington Bank and for NO other reason, I reached out to their contacts, signed an agreement, and set up a Vault service for my account, which costs right around {$150.00} per month. I then flew to Michigan, in order to open my bank account and begin the relationship with Huntington. Longe story short, for NO reason, Huntington decided they did not want to honor anything I was told by their representatives, they would not allow me to use the Armored currier, they also would not allow me to withdrawal the funds I needed in order to operate my business. I lost and wasted time and money being lied to by a financial institution. I had to partner with a different bank in order to continue operating my business while Huntington took ZERO responsibility for the damage they caused. They are also requesting that I continue to pay the {$150.00} per month fee I'm being charge by an armored currier service and WILL NOT compensate me or pay the fee that was initiated at there demand for banking services. I feel they owe me at least that for the time, energy, and money I have wasted and been set back due to their negligence. Another example of big banks taking advantage of small business owners and consumers alike.
Consumer complaint received 2018-11-29
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: Central States Recovery, Inc. (NV)

I had filed a complaint recently on Central states recovery requesting that they remove the dispute verbiage from my credit report. Their response was that they would remove the account from all three credit bureaus. As of this date they have not done what they agreed to do. I need this rectified ASAP!!
Consumer complaint received 2021-04-13
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: JPMORGAN CHASE & CO. (NY)

I sent an validation of debt letters on XX/XX/2021 to both XXXX XXXX and jpmc. they have yet to send me anything validating the alleged debts.
Consumer complaint received 2019-04-24
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. (GA)

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 24 of the attached credit report. This account 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. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (PA)

Several months ago I applied for a ( XXXX XXXX ) Home Equity Line of Credit and was denied based primarily on a 2016 bankruptcy that was incorrectly reported by Equifax. I have provided them with indisputable proof that this is incorrect ( see attached ). 
There consisted refusal of Equifax to correct this error or explain why.
Consumer complaint received 2019-09-07
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (VA)

XX/XX/2019 credit card paid in full with a due date of XX/XX/2019 Comenity XXXX   XXXX stated promo offer needed to be paid by XX/XX/2019 Customer called into to service line In the prior months and asked when pay off was and rep stated to pay in full by XX/XX/2019, not once was a promo date disclosed - not even at purchase. 

This was a second purchase with a promo on the same XXXX XXXX   comenity card and never an issue before. 

Charged a XXXX $ Finance fee and late fee when account was paid in full before due date if XX/XX/2019 XX/XX/19Customer called and spoke with rep and 3 managers/supervisors to resolve issue and all stated nothing could be done Account was maintained meticulously and credit history is superb.
Consumer complaint received 2022-02-16
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. (CO)

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 2022-02-16
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. (TX)

I am trying to get this collection off my credit report. It was NEVER a collection account, it was an auto loan but still they are reporting it incorrectly and have not changed this even though I have contacted them several times. 

The account is now XXXX XXXX XXXX XXXX XXXX XXXX. Please delete this account off my credit report. 

XXXX is still reporting monthly status and its been closed for XXXX  years!
Consumer complaint received 2022-02-16
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. (CO)

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 2022-04-06
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. (OH)

XXXX XXXX and Transunion need to get my reports fixed Ive tried to dispute with each one but same results I need closed accounts deleted permanently from my reports as well as negative information attached you will find everything that needs to be deleted including 3 inquiries I did not ask for XXXX XXXX XXXX XX/XX/21 Resident data
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am trying to get this collection off my credit report. It was NEVER a collection account, it was an auto loan but still they are reporting it incorrectly and have not changed this even though I have contacted them several times. 

The account is now 8 years and 7 months old. Please delete this account off my credit report. 

Transunion is still reporting monthly status and its been closed for 7 years!