davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (PA)

On XX/XX/2023, while in the process of booking a flight through XXXX XXXX, I was presented with an enticing offer to apply for a Citi AAdvantage credit card. The advertisement was clear : apply for the card, and upon approval, use it to complete my ongoing flight booking to receive {$250.00} in statement credits and XXXX miles after spending {$2000.00} in the first 3 months. On the application form, it stated : " If approved today, you will get an account number and temporary minimum credit limit to use on travel immediately '' Trusting these explicit terms, I paused my flight booking to apply and was subsequently approved for the card. However, the company 's system failed to reliably provide me with the promised account number. While Citi claims that a virtual card number is displayed briefly after approval, due to technical difficulties, this critical information was not accessible to me. When I sought a resolution from Citi 's customer service, they refused to regenerate or retrieve the number, stating it was a one-time display. I also requested this policy in writing for further clarification. 

This key limitation was neither disclosed in the promotion nor covered in the terms and conditions. Because of the company 's failure to deliver on their promise and their unwillingness to rectify the situation, I have missed out on the benefits of the promotion and incurred an unnecessary credit inquiry that has negatively affected my credit score, as well as a lot of time trying to resolve this situation.
Consumer complaint received 2023-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (MN)

I had fraud on my account. I typically keep my card off because Chime is an unreliable bank that is for profit and doesn't care about their customers. So obvious that there was fraud and Chime did nothing to stop 10 charges that came in one after another. When disputed Chime did no investigation and denied my claim with no proof. 

I already reached out to the merchant who had refunded half of the charges. The other half they couldn't track down in their system because the accounts are searched by name. I told Chime this and it was disregarded. 

They also refuse to give me proof of their investigation. Said it takes 10 days to get it. No it doesn't.
Consumer complaint received 2019-06-26
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. (AR)

XXXX  AND EXPERIAN, I have submitted several dispute to them as to verifying with the proper COURT House on a Bankruptcy. The reporting agency advised me that they verified through a third party which my information was frozen with XXXX XXXX to not provide information to anyone. But these credit reporting agencies have failed to do there job and verify with the direct source. I have attached documents that I have received from the credit reporting agency as well as they court house that they have not verified the proper information.
Consumer complaint received 2024-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-06-14
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 (FL)

I am writing because I've made an purchase of an queen size mattress from Ashley furniture that was well over {$5000.00}, including warranty. The mattress is faulty and dips when laying in it. I've tried to file an claim with the company but they rejected my claim. I literally can't use this mattress at all. They sold me a piece of junk. The claim process is a total scam. Please just send an tech to my home an let them see that this mattress is damage or faulty.
Consumer complaint received 2019-04-22
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2018, I opened a Chase XXXX account in response to an emailed promotion sent to me ( see attachment ). The promotion states I would receive a {$220.00} bonus to my account after depositing {$15000.00} and maintaining that balance for 90 days, amongst other terms. 

Last week, XX/XX/XXXX, I noticed I had not received the bonus, and sent a message to Chase support asking for the status. Support said my account showed no record of this bonus, and they were unable to help me. I requested to escalate to a supervisor, but the response was the same. 

I am very disappointed that my account was not credited with the bonus after opening the account through the marketing email and following the requirements.
Consumer complaint received 2020-02-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My ex girlfriend ran up credit cards I didnt know that I had, stole credit cards from me, on one occasion used my credit card to pay for storage of her belongings, after we parted the relationship, and used it like as an automatic payment source after I paid the initial costs for the storage, as per our agreement, but then saved the card as the monthly payment source without my consent I will help in any way to prove these charges are fraudulent
Consumer complaint received 2023-06-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (GA)

United Mortgage Wholesale has not responded to our request that they re-calculate the escrow analysis for year XXXX  based on the tax assessment from XXXX XXXX Georgia. at present we are paying {$6700.00} for tax year XXXX our New tax bill for Property tax for XXXX is {$4900.00}. United Wholesale has not changed the escrow for XXXX therefore they are increasing our Mortgage Payment from {$3200.00} to {$3900.00} starting XX/XX/2023 -this is unjust and unfair. I have sent ( 2 ) letters and spoke with United Wholesale Mortgage, They are demanding that we pay {$5300.00} immediately or they will increase our mortgage payment by {$660.00} dollars- My family will be in foreclosure if this travesty continues to happen.. 

Help XXXX
Consumer complaint received 2022-10-16
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (NC)

XX/XX/2022, I received notice in the mail from Wells Fargo indicating : We received an online application to open a new deposit account using your personal information. Based on information we received, we were unable to successfully verify your identity. For your security, we declined this application and did not open an account. 
There's no need to contact us. We just wanted to assure you that no account has been opened and provided you with resources to help protect your identity. You'll find this information on the next page under " Didn't submit an Online Application ''.
Consumer complaint received 2022-10-16
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. (DE)

I recently rehabbed my student loans, and XXXX XXXX transferred and updated my accounts with the new servicers. They removed all but XXXX, and left the 120 days delinquencies when they have removed all others. I had over 16 accounts, and when I disputed these accounts, they came back verified when they no longer exist.
Consumer complaint received 2022-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2022 I aksed BofA to transfer through XXXX XXXX {$20000.00} from my checking account to my credit card ( XXXX XXXX XXXX XXXX XXXX managed by XXXX XXXX Bank ) in XXXX XXXX Bank. 
BofA issueed a check and mailed it on this date to XXXX XXXX Bank. 
This amount of money had never reached my account. On the back of the check appears a stamp of XXXX XXXX Bank with an unexisting account ( I escalated a research within XXXX XXXX Bank ) and they said that this is an encript account and does not exist in XXXX XXXX Bank. 
There is nobody in the branches of BofA to whom I can talk. It possible to comunicate with them calling the checks fraud department. The answers the are giving me that I have to wait XXXX business days for the resolution of the claim I filled on XX/XX/2022 and they are not able to refund me meantime. 
Please help.
Consumer complaint received 2018-04-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (GA)

Hello, I am having trouble with the collection company that is listed below. Their claim is that I owe them but I have never done any business with the company they claim that I owe. I have submitted letters requesting that they send me out information ( contracts showing my signature, a copy of my identification ), but the company failed to do so. I am tired of them harassing me about a debt that I never accumulated. Please help me with this company because Im so sick of them constantly harrassing me all time of the day and the constant contact at my employment ( I have told them to stop calling me at my place of employment, but they continue to do so ). Their false claim is damaging my reputation and is damaging my credit. 

COMPANY NAME : AD ASTRA RECOVERY SERVICE AMOUNT CLAIM TO OWE : {$470.00}
Consumer complaint received 2020-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The credit reporting agency is allowing incorrect information to be put on my credit report also my credit score is lower than others with the same credit profile as I am. There are several items on my credit report from XXXX XXXX XXXX XXXX for an eviction that not valid because I moved out of the apartment before the eviction was filed in addition the charges for the eviction are false and I was not properly served with a notice of the eviction in addition to the eviction its self I was told by a court clerk that the clerk that signed the eviction order did not have jurisdiction to authorize the eviction the company has refused to remove the item despite having myself wining the dispute through transunion credit reporting agency the original credtior property west has confirmed that I dont owe anything because they leased my apartment immediately following myself moving out and that the apartment was left in normal condition there were no damages in the apartment. The debt collector is disrespectful and refuses to let me dispute the debt when contacting them. The other item on my credit report is from consumer collection consultants and it is a medical debt also it is due to identity theft because the service reported as rendered were not services I received.
Consumer complaint received 2018-04-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ReliaMax Holding Company (KY)

My payment is due on XX/XX/XXXX of each month. I had a payment scheduled on XX/XX/XXXX for XX/XX/XXXX on XX/XX/XXXX an email was sent to the co-borrower stating that a payment had not been made. The account was not even 10 days late. My Dad, the co-borrower, made an additional payment, on top of the one i had already made. Something needs to be in place to show pending/ schedule payments. This is ridiculous!
Consumer complaint received 2019-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (CA)

I opened credit card with XXXX XXXX on XX/XX/XXXX. I made purchase for {$34.00}. I made payment through XXXX XXXX using my checking account. I had enough money in my bank account at this time. XXXX XXXX did not send the money to XXXX XXXX, It was the fault of XXXX XXXX not me. 

XXXX XXXX added late fees with no right, Does the law at CA allow to add late fees with all these amount with no rules? I requested to close my account with XXXX XXXX and removed any errors on my credit report. It hurted me without doing anything. On XX/XX/XXXX, I contacted with customer service at phone, the representative was very rude and aggressive, he did not help me at all. 

On XX/XX/XXXX, I called XXXX XXXX, I talked with XXXX, her employee no was XXXX. I explained that I made my payment for credit card on XX/XX/XXXX, XXXX XXXX didnt send the money. It was not my fault, it was the fault of XXXX XXXX. XXXX XXXX added many late fees with no right, I couldnt financially pay it plus it was not my fault. 

On the same day, I made payment for {$51.00}. XXXX promised to move all late fee, I closed the bank account. 
The XXXX XXXX sent errors about missing payments, would you please remove it? 
I asked XXXX to remove the errors from my credit report, she told me that she did not know, I wonder how they reported me by mistake and did not how to fix it. Please help me to remove it from credit report. 

I CLOSED the account, they still reported me that they own me {$5.00} to hurt my credit
Consumer complaint received 2022-10-16
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Friendly Finance Corporation (MO)

I became sick due to XXXX and fell behind a couple of months on the car note payments- XXXX XXXX XXXX XXXX account # XXXX The collections department from Friendly Finance Corporation has XXXX sending multiple emails regarding the car being placed with dispatch in order for them to repo the car on XXXX XXXX I made XXXX payment of {$410.00} and for the payments to be placed in an arrangement. 

I believe that the contract that I signed with Friendly Finance Corporation for this vehicle is a misrepresentation of what should be an honest contract.
Consumer complaint received 2022-10-16
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: AES/PHEAA (DE)

I recently rehabbed my student loans, and AES PHEAA transferred and updated my accounts with the new servicers. They removed all but 2, and left the 120 days delinquencies when they have removed all others. I had over 16 accounts, and when I disputed these accounts, they came back verified when they no longer exist.
Consumer complaint received 2021-10-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (IA)

HELLO MY NAME IS XXXX XXXX AND IVE BEEN ATTEMPTING TO TRY AND RESOLVE THIS MATTER WITH RADIUS GLOBAL SOLUTIONS. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.
Consumer complaint received 2022-03-15
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: ALLIANT CREDIT UNION (GA)

Hi! I have disputed this account before through the credit Union. It was removed from XXXX, however XXXX, and XXXX never removed. Someone opened up A checking, and credit card with Alliant Credit Union. I never opened an account with them before, nor have I ever done any business with them. At the time that account was opened I was XXXX if you actually look closely at my ID you can tell that I look XXXX and not capable of opening a credit card account. Not only that the address that was used for the application I do not or have not lived there before. Address listed is XXXX XXXX XXXX XXXX Ga XXXX. I live and were living at XXXX XXXX XXXX XXXX, Ga XXXX I would love to see any documents barring my signature bc I have never signed for anything with that company.
Consumer complaint received 2021-10-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (NC)

I have called Vanderbilt Mortgage several times back in End of XX/XX/XXXX, to ask about maybe getting a forebarence extension. They told me that since my co-hab partner was no longer in the home there was no possibility of me keeping the home because it wasnt affordable to me alone without XXXX income. I ask her several times about working on A payment plan to get caught up, re-finance, and about extending my account that XXXX  XXXX and have a XXXX XXXX old son  in the home a XXXX XXXX XXXX. I didnt want to lose my home. As usual they were very rude saying I just had a forbearance back in XX/XX/XXXX and that it was just be best for me to sign a deed by of luea and take {$1000.00} and leave the house I. Good standing and just move out in with family and friends. I never agreed to that and asked why I couldnt get my payments lowered to make them more affordable? They saw they were starting the foreclosure process and I was going to have to move one way or the other. Anything you could do to help with this situation would greatly be appreciated. Sincerely XXXX XXXX XXXX
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WI)

YOUR COMPLAINT I have contacted Experian on numerous occasions and sent them dispute after dispute in regards to the following non authorized inquires 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 To Whom This May Concern, I am writing to request the removal of unauthorized credit inquiries on my Experian credit report. My latest credit report shows 4 credit inquiries that I did not authorize. I have inquiries that need to be removed, they are fraudulent and I dont recognize them. I noticed unauthorized inquiries on my credit report and I noticed that someone must have applied for something in my name. I have sent several disputes to remove these hard inquiries, they are fraudulent and I want you to get them removed. Due to the Fair Care Reporting Act legally these unverify and unauthorized items must be removed. I dont know why you havent received these letters and I dont know why you havent received my notification, but I am telling you right now that they are not mine and they need to be removed right now. At this time, I am requesting that you launch an investigation into the inquiries by all creditors listed on my inquiry page to determine who authorized it. If you find that my claim is true and the inquiry is invalid, I am requesting that it be removed from my credit report and an updated copy of my credit report be sent to the address listed above upon resolution of the investigation. If you find that the inquiry is valid, please send me proof along with a description of your investigation procedures within 30 days of the closure of this dispute. 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!
Consumer complaint received 2023-04-04
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. (VA)

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 u.s.c 1681. 
XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX # 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 ) ( s ) 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 then records of the convictions of crimes which antedates the report by more then 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 it the person knows or has reasonable cause to believe that the information is inaccurate.