davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NE)

USAA Savings bank is still showing a XXXX credit card open on my credit which belongs to my ex husband. I have been divorced for 5 years, my name was to be removed from this account per court order, which I believe was taken care of at that time. I do not have access to this credit card, nor have I used this credit card, however my ss # is still tied to this account as it is affecting me. I have called USAA whom claims I am not on the account, I have disputed this record on my credit with XXXX  and the negative credit is still effecting my score. I have asked for it to be removed and no actions have been taken on behalf of USAA Savings bank.
Consumer complaint received 2023-03-17
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: Smith Debnam Narron Drake Saintsing & Myers LLP (NC)

VOLATIONS Federal Reserve Act Section 16. Note Issues 1. Issuance of Federal Reserve notes ; nature of obligation ; where redeemable Federal reserve notes, to be issued at the discretion of the Board of Governors of the Federal Reserve System for the purpose of making advances to Federal reserve banks through the Federal reserve agents as hereinafter set forth and for no other purpose, are hereby authorized. The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federal reserve banks and for all taxes, customs, and other public dues. They shall be redeemed in lawful money on demand at the Treasury Department of the United States, in the city of Washington , District of Columbia, or at any Federal Reserve bank.

[ 12 USC 411. As amended by act of XXXX XXXX, XXXX ( XXXX XXXX. XXXX ). For redemption of Federal reserve notes whose bank of issue can not be identified, see act of XX/XX/XXXX. ] 2. Application for notes by Federal Reserve banks Any Federal Reserve bank may make application to the local Federal Reserve agent for such amount of the Federal Reserve notes hereinbefore provided for as it may require. Such application shall be accompanied with a tender to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application. The collateral security thus offered shall be notes, drafts, bills of exchange, or acceptances acquired under section XXXX, XXXX, XXXX, or XXXX of this Act, or bills of exchange endorsed by a member bank of any Federal Reserve district and purchased under the provisions of section 14 of this Act, or bankers ' acceptances purchased under the provisions of said section 14, or gold certificates, or Special Drawing Right certificates, or any obligations which are direct obligations of, or are fully guaranteed as to principal and interest by, the United States or any agency thereof, or assets that Federal Reserve banks may purchase or hold under section 14 of this Act or any other asset of a Federal reserve bank. In no event shall such collateral security be less than the amount of Federal Reserve notes applied for. The Federal Reserve agent shall each day notify the Board of Governors of the Federal Reserve System of all issues and withdrawals of Federal Reserve notes to and by the Federal Reserve bank to which he is accredited. The said Board of Governors of the Federal Reserve System may at any time call upon a Federal Reserve bank for additional security to protect the Federal Reserve notes issued to it. Collateral shall not be required for Federal Reserve notes which are held in the vaults of, or are otherwise held by or on behalf of, Federal Reserve banks.
Consumer complaint received 2022-10-19
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (VA)

On XX/XX/XXXX, I applied for a XXXX XXXX XXXX store card through Comenity bank and I was approved for a limit of {$15000.00} and a promotional APR of 0 % for 18 months on purchases over {$990.00}. I made a purchase of {$11000.00} on the same day hoping to take advantage of the promotional offer. I proceeded by setting up automatic payments and signing up for paperless statements so I wouldn't have to worry about the manual process of paying my financial obligations. 
On XXXX, I called Comenity Bank to inquire about my credit card account balance in order to make a full payment of the remaining balance. I was given an amount of {$8100.00} which I immediately paid to settle my account down to a XXXX balance. 
Comenity Bank recorded the payment on XX/XX/XXXX and prior to them recorded the payment, the assessed an accrued interest of the original principle amount of {$3700.00} on XX/XX/XXXX. 
I have been explaining to them that I was under an 18 month 0 % APR promotion as stated clearly on Floor and Decor 's website. Comenity Bank is claiming a different agreement term of 12 months which contradicts Floor and Decor 's promotion. 
I have fulfilled all my financial obligations with regard to Comenity Bank and I am not responsible for any human error of their part that may have led to them assuming that I was on a 12 month deal. The only reason I knew how much that I owed them in the amount of {$8100.00} is because that is what their representative told me and I could equally see that only. I would not have proceeded with making my full payment if I knew they were going to charge me interests much sooner. Comenity Bank needs to cancel the interest charges and refund me for the additional interest autopayments taken out of my bank account.
Consumer complaint received 2020-12-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: GOLDMAN SACHS BANK USA (NY)

Hi, I had a personal loan from Marcus ( Goldman sachs ) that I obtained earlier this year. I wanted to pay the full amount but wasn't able to do so due to limitation on the app. I was asked to give a call but couldn't reach anyone due to long wait times. Even the recommended amount upto {$2000.00} didn't work and always got issued. I feel like the company has made it difficult to pay the full amount earlier which is a part of the loan marketing tool that no pre-payment penalty. I think the functionality of the application is an integral piece as each day passes the company makes money off the high interest charged. Furthermore, hard to reach out the company is also a tactic to delay the customer to pay which in turns helps the company make more money. I understand the latter can be an issue during covid-19 but then again they should have other tools to help pay back on time. I want Marcus to take this seriously as a lot of people might not have the patience to pay the amount during multiple days and rely on application functionality, which is used for marketing at the first place too on a high interest rate loan. Everyday delay is material to the client if it's not to you.
Consumer complaint received 2020-12-21
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. (AZ)

Hello, I writing to you because I went through my credit profile and I was shocked what I saw there. I figured out in my credit report inquiries that I have never authorized and plus one unknown account. This highly detrimental to my credit rating. I know that sometimes companies without any authorization and permission pulling credit profile. Well, by this message I would like to let you know that I do not recognize these inquiries and I have never gave any permission to any company to do something like this. So please remove all of them as I can not move on in my life when I have unknown information in my credit report.
Consumer complaint received 2018-02-23
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 took a loan through XXXX XXXX and it was settled less than full balance. I paid this loan off in XXXX of 2018. In XXXX they reported that a payment was made after 30 days when in fact this account was already paid in full the month before. This has lowered my credit score and no one in this company seems to understand this.
Consumer complaint received 2020-12-19
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. (LA)

I have submitted all necessary information to do a through investigation with the three credit bureaus the Bankruptcy reporting does not belong to me. I have submitted all supporting documentation to the reporting agencies that supports my claim. I mailed my correspondence over thirty days ago and still have not received a response to the referenced derogatory account.
Consumer complaint received 2020-12-19
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)

On XX/XX/XXXX an account from XXXX XXXX was reported to my credit profile. Available data shows the last payment on this account was made on XX/XX/XXXX. According to the State of California, the state I reside in, the statue of limitations for reporting of this type of account is 4 years. Today is XX/XX/XXXX and is past the date the law allows this to be reported.
Consumer complaint received 2018-04-27
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. (CA)

Date PAID : XX/XX/2018 Amount paid in full {$500.00} Company : XXXX XXXX XXXX My problem is with TransUnion. within the last two month, they are reporting information that should be updated to pay and closed. but the information read as a collection/charged off on my report. I had sent in proof that this account was paid in full.and the status of my report should a positive on my credit report and my credit score should go up. Can you please look into this problem. thank
Consumer complaint received 2020-12-22
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. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES TO MAKE CRIMINAL COMPLAINTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRAs. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2017-05-30
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. (NY)

First name :  XXXX  Last name :  XXXX  D.O.B: XX/XX/XXXX  Last  XXXX  digit of mySSN #  XXXX  Primary phone: XXXX  email :  XXXX  XXXX  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  , NY  XXXX  My car  XXXX   XXXX     XXXX    vin  #  XXXX , was financed by  XXXX   XXXX   XXXX  LOCATED AT  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX , CONTACT: XXXX , The original loan of my car was {$32000.00}. Loan account number #  XXXX .   I am complaining the loan never been reported to any of the credit bureau  XXXX , Experian,  XXXX . Unfortunately i 've tried to resolve the issue with   XXXX   XXXX   XXXX
Consumer complaint received 2019-04-26
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: TD BANK US HOLDING COMPANY (CA)

I was feeling rushed checking out a Target, and the nice teenager checking me out asked if I had a Target card and briefly explained that I could save whatever percent if I signed up for one ; I was buying something expensive, so I tentatively said yes and started signing up. 

I should have known to stop the process when the employee told me that this would be a huge relief to her, as there was a huge amount of pressure being put on them to push the cards from management. The predatory marketing issue here is that this absolutely seems like you're signing up for a loyalty/savings store card ( as is common at store check-outs ) when it is in fact a credit card. Target employees had either poorly trained on explaining how the card works or instructed to be intentionally misleading. I finally stopped when the prompt screens began asking income information and for my social security number, but then my checkout person repeatedly assured me that this would not affect my credit and I would not receive a bill if I just didn't activate the card -- so I went ahead, just trying to get out of line and get a discount, thinking I had paid with my normal credit card I'd swiped. 

I genuinely believe that she just didn't understand how it worked, and we were both in a hurry ; credit cards are serious legal agreements with financial consequences that can follow people and their families forever -- they should not be sold at check-out like pack of gum. A separate counter, at least, where there's someone trained to explain the contract you're entering into would make more sense. 

Anyway, I read the receipt when I got home and called and successfully cancelled the card within 20 minutes of signing up, but I still got a card in the mail, and I am still getting statements, and have been told by Target card representatives that there is " no way '' for them to delete my information from their databases. I have also been alerted by the credit unions that my credit score has gone down as a result of this incident.
Consumer complaint received 2017-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

First name :  XXXX  Last name :  XXXX  D.O.B: XX/XX/XXXX  Last  XXXX  digit of mySSN #  XXXX  Primary phone XXXX  email :  XXXX  XXXX  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  My car  XXXX   XXXX   XXXX   XXXX  #  XXXX , was  financed by CAPITALONE AUTO FINANCE  LOCATED AT  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX , CONTACT: XXXX , The original  loan  of my car was {$32000.00}. Loan account number #  XXXX .   I am complaining the loan never been reported to any of the credit bureau  XXXX ,  XXXX ,  XXXX . Unfortunately i 've tried to resolve the issue with capitalone auto finance.
Consumer complaint received 2020-12-19
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (AZ)

I sent payment of {$370.00} on XXXX XXXX for an item. I never received item. XXXX could not help because I sent it PayPal. I put claim in with PayPal and they said the seller told them it was delivered. I have tried numerous times to talk to PayPal because I need info of where it was sent, when it was delivered so I can put in a claim with XXXX or XXXX. The seller has loses his account with XXXX and change his email. I believe it was never sent but somehow they got away with saying it was delivered even though when I checked tracking it haven cancelled. I want my money returned by seller or if it was delivered it was stolen and I cant find out anything to put on claim. 
Order number XXXX XXXX XXXX tracking XXXX. 
Its frustrating I can not reach a person on PayPal. I tried everything. 
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Az XXXX Seller was XXXX XXXX on XXXX. Closed his account. 
Ordered XXXX XXXX, XXXX sent to XXXX  XX/XX/XXXX and from there nothing. 
My email is XXXX. Thank you.
Consumer complaint received 2019-10-10
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: EQUIFAX, INC. (CA)

I pulled my credit report and seen that i have some inquiries that I didn't authorize. None of these companies have my permission, signature or my consent to have pulled my credit. I do not have any accounts open from these inquiries and I would like to have them removed as soon as possible. Its illegal according to section 604 of the FCRA. 
XXXX 1. XX/XX/2019 XXXX XXXX XXXX 2.XXXX XXXX XXXX  XXXX 3.XXXX XXXX XXXX XXXX 4. XX/XX/2019 XXXX XXXX 5. XX/XX/2019 XXXX XXXX 6. XX/XX/2019 XXXX XXXX XXXX XXXX 7. XX/XX/2019 XXXX XXXX. 

Equifax 1. XX/XX/2019 XXXX XXXX XXXX XXXX 2.XXXX XXXX XXXX XXXX XXXX   1.XXXX XXXX XXXX 2. XX/XX/2019 XXXX XXXX XXXX 3. XX/XX/2019 XXXX XXXX 4. XX/XX/2019 XXXX XXXX 5.  XX/XX/2019 XXXX 6. XX/XX/2019 XXXX XXXX
Consumer complaint received 2019-03-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (MD)

On XX/XX/2019, I stopped by the XXXX XXXX showroom in XXXX, MD to look for a new bed. As I and a sales representative walked the showroom floor, I spotted 2 types of beds. I asked the representative, " how much is this beds? '' She scanned both of the price tickets, walked over to the computer and looked up the one bed I was must interested in by the item number. Based on the computer 's price, the bed listed at {$770.00}. I then asked, if they have credit. However, I also made it clear, I wanted to put down some money ( {$300.00} ). 

As we walked over to the counter, the sale representative informed the cashier, I was interested in their credit plan. Unbeknown to me, the cashier had called some telephone number, spoke to someone on the phone. I then spoke to the person who instantly says, " I've been approved for {$2500.00} and a credit card will be sent to me, I then stated, " wait a minute. I did not ask for a credit card. '' I was then informed, in order to get the bed, I had to get the credit card. Of course, I was never, ever informed about the interest rate of the card. Later, I received an e-mail notice from one of the credit bureau, XXXX. 

XXXX informed me, some company had pulled my credit. I never authorized any credit bureau to release or to authorize pulling my credit report. In fact, my credit report is locked to keep any company from pulling my information which leds to my credit score being lowered. I am not happy that some company named SYNCB, XXXX XXXX XXXX, XXXX, XXXX XXXX, or the fact that XXXX   allowed any company to access my credit information without me unlocking. Not acceptable!! 

What is this complaint about? 
XXXX XXXX did not disclose the terms of the credit card, or what is the interest rate. Also, XXXX breached its duty to protect my credit report, by allowing a company, SYNCB to access my credit information. ( My credit information is locked. Without me unlocking my XXXX account, my personal information should not been released. ) What type of problem are you having? 
Not know, what the interest rate is on the credit card. 

What happened? 
Uncertain as I do not have the bed. 

What company is this complaint about? 
XXXX XXXX, XXXX and SYNCB. 

Who are the people involved? 
XXXX XXXX, XXXX  and SYNCB
Consumer complaint received 2018-04-26
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. (TX)

Equifax is still showing a Debt Collection that is no longer open and has been requested for a deletion by XXXX XXXX XXXX. This was requested on XX/XX/2017 but has yet to be removed from Equifax credit report. This is a direct violation of Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Per XXXX XXXX XXXX response to compliant ID XXXX " We have followed our dispute policy and haven't had any further communication with the consumer. No future follow up is planned. Our dispute policy is once we have received a dispute we immediately stop all collection efforts and send a record of dispute to all three credit reporting agencies. Then we request validation of the debt from our client and once that is received we forward that on to the consumer for review. If validation is unobtainable then we immediately send a record for deletion to all three credit reporting agencies and then close and return the account to our client. Additionally, in this instance a record for deletion has been sent to all three credit reporting agencies. ''
Consumer complaint received 2022-05-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (TX)

On XX/XX/2022 I was informed that XXXXXXXX XXXX XXXX XXXX, a Senior Loan Originator with Cardinal Financial Company , Limited Partnership | NMLS XXXX that my driver 's license was required in order to extend a loan to my father, who goes by the same name, when I was not involved in the loan transaction. XXXX XXXX indicated that because my father had briefly used my address to receive mail, CFC 's underwriters assumed that the property I own was my father 's property. On the call with XXXX, I informed him that I believed that asking information of a family member not related to the loan transaction and threatening to cancel the loan over it, did not seem correct. Due to the large number of potential damages my dad faced if the loan was cancelled, I, under duress, provided private information, such as my license, to XXXX XXXX via e-mail. 

It is my belief that CFC 's underwriters or XXXX XXXX would not have asked the information of a landlord of the same name, and only requested the information based my familial connection to my father.