davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-24
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: Experian Information Solutions Inc. (CA)

XX/XX/2017 I was at XXXX. A XXXX XXXX   representative asked me to punch in my social security number in order to determine if I qualify for service with them and did not have any outstanding accounts. I asked to make sure it was NOT to run a credit inquiry, and was ASSURED it was not. However I now see it on my credit report as a hard inquiry!
Consumer complaint received 2019-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX   verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through eOscar. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine. The accounts Im speaking of are XXXX XXXX, XXXX XXXX, and Chapter XXXX Bankruptcy.
Consumer complaint received 2018-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (AL)

So this is the third time this has happened with bluebird 's American Express card and hundreds of others are experiencing the same problem. You will get notified that you have received a direct deposit from your job into your bank account but for some reason, the bluebird card website goes down and you have no access to those funds whatsoever except the money that was already on it before you received the direct deposit. Customer service informed me and others that this was due to a system update. ( They should not have notified me of my direct deposit if I can't have access to my money. ) On top of all of this, the website is down and you can't check your balance. Also if you try to call the number bluebird provides you on the back of the card, it is automatic and there is no possibility of speaking to a customer service representative or a live person. I and others are considering a class action lawsuit because no institution reserves the right to hold your money like this. The clear explanation of all of this is interest. American Express is involved in financial fraud and is illegally freezing peoples deposits in order to gain from the interest!!! The LAWSUITS ARE COMING!
Consumer complaint received 2021-12-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-12-07
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 (NJ)

WellsFargo Bank used my social security # with another persons name to open an account with my ex-spouse XXXXXXXX XXXX XXXX. I contacted WellsFargo Bank I was told my name was removed but my social secuynumber was never removed!! WellsFargo Bank committed bank fraud which ruined my credit worthiness.
Consumer complaint received 2018-11-28
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: American Financial Network Inc. (CA)

I went to XXXX XXXX with the American Financial Network for refinancing. He advised to go to the AFN site online to apply which I did. They sure did send me the non disclosure documents which I signed. My problem though is that he-my agent : XXXX ordered a {$600.00} XXXX XXXX dollars appraisal which I thought was very expensive. However, not too long after they got all the documents they requested, they turned around and told me that my income to debt ratio disqualified me. My problem and dissatisfaction is that I believe that this company and their agent should have checked if I qualify for the refinance I requested before ordering for such an exorbitant appraisal. And this is my complaint. 

Thank you very much.
Consumer complaint received 2021-12-07
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: CLGF Holdco 1, LLC (AZ)

Milestone sent me an online application for their card. I entered my information to see what the rates and terms were. However when I went to view the rates and terms the website said I was approved and being sent a card. I didn't want the card or the account with Milestone, I only wanted to check rates. Next they sent me a {$300.00} limit card on it with a {$75.00} bill due already, and I hadn't activated an account with them. 
Now I am trying to let them know they sent me this card in error and I don't want it. A {$300.00} card with a starting {$75.00} fee is ridiculous and I wouldn't have accepted such an offer. I'm on hold and being transferred but nothing is getting resolved. 
This is bad customer service. They are tricking people into checking rates and then instantly sending out a card before rates and the card can be accepted or denied.
Consumer complaint received 2019-10-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (IL)

On XX/XX/2019 I requested validation of this alleged debt of {$750.00} of which I was not provided proper validation of. XX/XX/2019, I received the attached notice from Resurgent Capital Service ( LVNV Funding ) stating that this account would not report to any of the national credit agencies. On XX/XX/2019, I have received notification from the credit bureaus that this account was now reporting on file.
Consumer complaint received 2018-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have a Capital one credit card open currently in good standing. I just received an alert someone opened another card with capital One in my name and it is NOT ME. My credit score was lowered and it was denied and idk what or who did that?! I dont know what to do. Please help
Consumer complaint received 2022-05-03
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. (FL)

I XXXX XXXX never gave any Consumer written consent to report or furnish my Bankruptcy public records. No consent is identity theft. A Consumer has a right to privacy. 

In accordance with the fair credit reporting XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX  Account # XXXX, Public record XXXX XXXXXXXX XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX Account Info Reference Number XXXX has Violated my rights. 


15 U.S.C 168 section 602 A states I have the right to privacy.

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

The Bankruptcy Courts have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW
Consumer complaint received 2019-08-26
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. (GA)

Experian and XXXX are reporting incorrectly a collection in the amount of {$1200.00} on the XXXX XXXX XXXX., ( original creditor : XXXX XXXX ) account number XXXX. ( Please see page 5 attached from my credit report. ) This account has been paid in full and should not be reporting on my credit report. XXXX XXXX XXXX., and I had an agreement that when I paid this account off, they would request a deletion of this item with the reporting bureaus. This incorrect reporting of a collection is harming my credit score and this line item needs to be deleted. I have contacted the ( 2 ) bureaus to remove this line item however, I have not been successful.
Consumer complaint received 2024-02-04
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (GA)

I have a {$250.00} Hilton chain Amex prepaid gift card.

But most Hilton hotels are unable to actually process the gift card as funds tendered and will end up charging a stay to one of my other credit cards. See the online article here for a full description of the problem XXXX XXXX XXXX XXXXXXXX # comments And there is a related problem, recently I was able to use {$200.00} of the {$250.00}, but now it is impossible to use the {$50.00} balance as a partial payment ( and the card does not allow me to add funds to it ). Since {$50.00} is not enough to pay for a room, I can't get the benefit of the last {$50.00}. Hilton should be required to allow holders of gift card to use them as partial payment for a stay ( and use cash or another funding source for the other part of a payment ).

The Hilton Gift Card can only be used at Hilton hotels. This is there policy verbatum : " The Hilton Gift Card and Hilton Business Gift Card may be used only at Hilton Hotels and properties worldwide that accept American Express Cards. Funds do not expire. The Card can not be used at ATMs. Not redeemable for cash, except where required by law. Additional limitations apply, including restrictions on use of the Card for recurring billing. Read Cardholder Agreement for complete terms and conditions, including a binding individual arbitration clause. Replacement Card issued only to the extent of available funds at the time of notification. For customer service, call XXXX. For balance inquiries, current Cardholder Agreement, and additional information visit XXXX. Issued by American Express Prepaid Card Management Corporation. Licensed as a Money Transmitter by the New York State Department of Financial Services. XXXX ID # XXXX. ''
Consumer complaint received 2019-08-28
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CURO Intermediate Holdings (CA)

I was notified of the lingering debt for XXXX dollars after trying to receive help 4 months on end from Speedy Cash. Since then my English has gotten better but at the time hardly understood the directions and making the payment and why the payment continue to adjust an order for me barely not to be able to afford it why they stepped on unbelievable he's on top of each other. Several times I my vet reached out for help hanging directions on how to properly play an explanation of the fees. I never once got any sort of bilingual assistance. The den tone is significantly different from the amount borrowed and they have yet to furnish proof for that amount. From what I read in the library this violates the Fair Credit Reporting Act and Fair Credit Lending Act since this would be considered a fraudulent loan through to the violations of the bank Promises of everything fine. I had no problem selling me alone in XXXX but servicing alone and making sure I was okay it was a different story. The account should be eliminated from my credit because of the Fair Credit lending violations so that my family and I can live the American dream. From what I have read this Shady collection agency attempts to collect more than 900 over the original debt and we'll practice any short of abuse in order to get me to pay what I do not owe
Consumer complaint received 2022-05-03
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. (IN)

I have requested that XXXX and Equifax remove an account that XXXX had removed from my credit report, and XXXX and Equifax did not respond and/or they claimed the account will remain on my report. I asked XXXX and Equifax for verification and they did not respond, and the inaccurate accounts still remains on 2 out of 3 of my credit reports.
Consumer complaint received 2018-10-13
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (NC)

XX/XX/2018, I placed a PayPal order for {$24.00}. The seller was supposed to have sent a tracking number 10 days after the original purchase. This seller has not and neither has he replied to me regarding this purchase. 

Representatives with PayPal had promised me a refund of {$24.00} because the tracking number was never received. 

This was a statement three days ago.

Now PayPal is continuing to wait to hear from the dealer even though there is no proof this order is being sent.

PayPal refuses to honor the sellers agreement with me.
Consumer complaint received 2020-05-27
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. (GA)

I have sent in multiple letters over the past two years addressing the issue of identity theft and it seems like i always get a contradicting computer generated response to my questions, concerns and issues i am addressing.It seems as if the bureaus are trying to go around the FCRA and creating unnecessary work for themselves for example, the last letter received stated that the info on my report would not be blocked, instead Equifax would contact each creditor directly which is something i didn't ask, to then turn around in the same letter and say they could not verify my identity and could not locate a credit file.
Consumer complaint received 2022-05-03
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. (IN)

I have requested that XXXX and XXXX remove an account that Transunion had removed from my credit report, and XXXX and XXXX did not respond and/or they claimed the account will remain on my report. I asked XXXX and XXXX for verification and they did not respond, and the inaccurate accounts still remains on 2 out of 3 of my credit reports.
Consumer complaint received 2018-11-23
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Brightfunders, LLC (MD)

My date scheduled to close on a house was Friday, XX/XX/2018 at XXXX XXXX The closing could not go forward because, the appraisal was for a conventional loan and it should have been for an FHA loan. As a result, I lost {$500.00} for an appraisal that could not be used at settlement. I would like to be reimbursed for the money I spent for my appraisal.
Consumer complaint received 2022-05-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (GA)

I open an account with chase back in XXXX when I open the account, I got approved for chase secured checking account where there is a fee XXXX. I never had any issues XXXX of XXXX I went into chase bank to open up a regular chase account witch I got approved for a total checking account everything was good until XXXX, XXXX XXXX when I went to log into my account I got a message saying we locked your account due to suspicious activity so I called them and talk to someone in account closer department, and they said in so many words that they were closing my account because someone in fraud department decided to close my account for no reason, and they said in our policy we can close an account anytime we want to for no reason and dont have to give the customer any explanation luckily I wasnt out somewhere doing a purchase or at a restaurant because I wouldve never known they done any of this they didnt call or send me an email when I talk to them oh they were like we mailed you out a letter Friday XX/XX/XXXX. I feel chase is doing bad business because how can a company just close an account for no reason. I mean the only thing Ive done with this account is make cash deposit at the atm or transfer funds from XXXX to my chase account or transfer funds from another bank to my chase if they consider this being suspicious its something wrong with this bank.
Consumer complaint received 2020-12-14
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (MA)

I've seen no changes for the accounts that I have filed last month, I still see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately. 
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Consumer complaint received 2022-06-12
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. (SC)

XXXX IS AN ACCOUNT THAT I HAVE NOT OPENED OR AM I AWARE OF IT. 

XXXX XXXX XXXX XXXX XXXX IS NOT MY ACCOUNT NOR DID I AUTHORIZE THIS ACCOUNT ORIGINAL CREDITOR XXXX WITH THE SAME ACCOUNT NUMBERS ACCOUNT NUMBER XXXX
Consumer complaint received 2018-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (NV)

After paying the large amount off in full, I asked the associate if I would have any occurring fees ( conversation was recorded the day of pay off ), she said no as I was paying off the account in full. I asked several times and and she explained since I was paying off the total balance, I would not have any fees. Roughly a month later, I received a credit alert on my credit score as it dropped XXXX points. When I investigated, I saw that I was in collections from the account I paid off in full over a XXXX cent fee on the account that showed I was over a month late on. When I called, the manager took off the XXXX cents but explained because it was a fee that posted 4 days after I paid off the full balance from interest that they could not remove the derogatory remark from my credit score, yet they removed the XXXX cent fee. My XXXXredit score has suffered XXXX points due to this error from US Bank Card Services. 
I paid off the balance in full according the card balance/statement on the phone with an associate. 
I was not called to resolve this otherwise I would have paid the amount off with my pocket change. Being I am a full time XXXX XXXX XXXX XXXX employee who assisted in fire response all summer, I did not have time to continuously check an account I had paid off in full ( which is why I paid off the large balance in full ) and was verified there would not be occurring fees after the pay off. 
Furthermore, at the day of pay off, I asked to close the account but was advised that my credit history would be deleted which would negatively impact my credit score. If I had closed the account, the XXXX cents theyre system added in error would have never happened. My credit score today would be XXXX points higher if I had just closed the account.
Consumer complaint received 2022-05-03
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. (TX)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.