davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Thee people are crazy I was approved for my XXXX XXXX XXXX and XXXX card and have my secured platinum after I was approved and received my new card they restricted all my cards and wont let me use them even after sending them document verification they still wont let me use my card how annoying can they be
Consumer complaint received 2022-04-13
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. (AL)

I the consumer am not a third party but acting on behalf of myself submitted a request regarding some fraudulent inquiries that I do not recognize nor did I authorized. My personal information was exposed in a data breach and may have gotten into the hands of the wrong person. I have yet to receive any response to my dispute from any of these credit agencies and its been more than 45days. From what I read on the FTC website when I submitted my request for these fraudulent items it stated 4 business days so how does that turn to 45days?
Consumer complaint received 2021-05-18
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: CITIBANK, N.A. (AZ)

I got a promotion in the mail from citi bank stating Im pre qualified for their offer with XXXX XXXX, spend {$3000.00} in 3 months and receive XXXX airline miles. 

I called to confirm this offer was still good because I already used a similar offer last year and redeemed it. I was told if I got the letter, get fully approved for the card and spend the appropriate amount of money I would revive the airline point even though I already used a similar offer the year before. 

i was approved for the card the following day, spend the {$3000.00} within a month of applying and my miles never showed up. After a couple weeks I called to see why I still havent received my credit for the miles, I was told this offer is only good ever 4 years for each individual and I already had this offer the year before. I explained to the manager that a got a pre approved promotion letter in the mail and I called to confirm I qualify for the miles and I was told I was.

the manager refused to help me in anyway. I feel taken advantage of and lied to. I did not need or want another credit card, the only reason for opening this card was for the the miles ( which I called to confirm I was eligible for before applying ) now my credit score is lower and I purposely spent extra money to reach the {$3000.00} minimum on a card for no reason, if they told me in the beginning I didnt qualify I would not have opened the account and would have waited to buy certain items.

I just cant get over the lying and horrible customer serving that I am receiving from the citi XXXX XXXX credit card.
Consumer complaint received 2023-09-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (TX)

On XX/XX/XXXX I made my regular student loan payment to Advantage. Because interest is starting to accrue, I reached out to request that all my payments be towards the principle balance and not the interest. They state on their website that they will respond after two business days. After no response I sent another email stating the same issue and that I didn't get a response. Today I still haven't heard a response. Today when I looked at my advantage account, it said there was a payment reversal. I've never requested a payment reversal. They don't have anything on the site explaining how a payment reversal happens.
Consumer complaint received 2022-04-13
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

This was not sent in error, i am a consumer by law and my information was misused and now I have an unlawful account reporting negatively on my consumer report. Transunion has mailed me stating XXXX account # XXXX is verified as accurate ; however, if you scroll down under the definition section of the FCRA and read investigative consumer reports, I bring to your attention that it states : when a consumer reporting agency creates an investigative consumer report : Theyre not supposed to include factual information, it's supposed to be excluded, and theyre supposed to interview my neighbors friends or associates. Theyve failed at those responsibilities. Furthermore; proving that if they do not remove the account immediately they are civilly liable and its also inaccurate.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (TX)

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX Account Number : XXXX Original Creditor XXXX XXXX XXXXXXXX XXXX, XXXX. 
Current Owner : LVNV Funding LLC Reference Number : XXXX Notice and Demand to Cease and Desist Collection Activities Prior To Validation of Purported Debt. 

LVNV FUNDING LLC ( RESURGENT ) a third party debt collector claims are unfounded and egregiously negligent by their own tacit admission with the provided alleged documents pertaining account summary, bill statements, and terms and conditions as verification of debt in accordance with the Fair Debt Collection Practices Act, section 809 ( 15 U.S.C. 1692 ( g ) ) and applicable LVNV FUNDING LLC ( RESURGENT ) able state and local XXXX XXXX is hereby requesting that LVNV FUNDING LLC ( RESURGENT ) an authorized officer or agent of the Lender sign and return the attached affidavit within 72 hrs of the date of this notice. Also attached is an affidavit signed by the Borrower stating the Borrower 's personal knowledge of the terms of the agreement. Also attached is a affidavit of Truth reflecting all ( GAAS ), ( GAAP ) book-keeping on the public and private sides. This is XXXX XXXX good faith attempt to settle this matter and clear up any confusion about the terms of the loan agreement prior to an Administrative Hearing on the matter. Failure to respond will be deemed a dishonor of this Notice. The affidavits are evidence that may be used according to the Federal Rules of Evidence to prosecute or enforce any default by you in this matter. My CPA is prepared to offer Expert Witness testimony should court proceedings be necessary. 
Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1601-1692 et. seq., this constitutes timely written notice that I dispute the en-tire amount of the alleged loan and that I decline to pay the attached, erroneous, purported debt Notice which is unsigned and unattested and which I discharge and cancel in its entirety, without dishonor, on the grounds of breach of contract, false representation, and fraud in the inducement. 
Do the Generally Accepted Accounting Principles ( GAAP ), the Generally Accepted Auditing Standards ( G A AS ), the Audit Reports, the Auditor 's Working Papers, the Call Reports, and the credit card company 's financial statements ( that are related to and associated with the referenced account transactions ) reveal the substance of the loan agreement? 

I DID NOT GIVE CONSENT VALIDATING LVNV FUNDING LLC ( RESURGENT ) to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked ''. 




CONSUMER : XXXX XXXX
Consumer complaint received 2022-04-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (NJ)

I have requested validation of debt, as well as, validation methods from XXXX XXXX XXXX. I have sent the request twice via certified mail, of which I have receipts. I received a statement from the " original creditor '' and have yet to receive a signed contract with my signature on it I have previously sent a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges they claim I owe to another company. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. I did not consent to XXXX for validation and have yet to receive a contract bearing my signature. 

XXXX is still reporting this collection on my credit report, which is considered to be a collection activity.
Consumer complaint received 2024-06-01
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (NY)

I recently noticed a negative remark on my credit report indicating that a payment was missed. However, I was never alerted or notified about this late payment before it appeared on my credit report. The SAME day it appeared on my credit report, I called into Kia to inquire about what happened. I then made all alleged late payments owed to make my account current with Kia.

As a diligent and responsible customer, I rely on timely notifications to manage my payments effectively. I never received any indication that the times I logged into the online portal to make my payments like I have been since XX/XX/year> that the payments were not properly applied to my account as expected. The lack of such communication from your end is a significant concern. 

I understand that maintaining accurate and up-to-date records is essential for both parties. Therefore, I trust that you will investigate this matter promptly and make the necessary adjustments to my account and credit report. I am confident that this is an isolated incident and hope to continue our relationship based on mutual trust and timely communication. 

I have NEVER been 30 days late with ANY of my accounts in all my XXXX years being a consumer. This negative reporting to the credit bureaus caused me significant personal harm including an XXXX point DROP to my credit scores, downgrading my credit status from " XXXX XXXX XXXX XXXX XXXX '' across all 3 bureaus and most importantly this mistake caused my daughters student loan application to be denied as I am her only qualified cosigner. 

This mistake has cause significant financial harm to my family. The effects of this mistaken negative reporting will cause financial and emotional strain on my family that will be felt for generations if this is not corrected immediately. My daughter wants to attend college. I have ALWAYS been extremely diligent about maintaining exceptional credit as I knew I would need to use my credit to send my children to college one day. 

As you can see from the document attached I had EXCEPTIONAL credit until this was reported to the bureaus on XX/XX/XXXX which is the same date I called into kia to find out what happened and also made payments customer service said were not applied to my account properly. 

Please acknowledge receipt of this letter and inform me of the steps being taken to resolve this issue. I appreciate your prompt attention to this matter and look forward to your response. 

Thank you for your understanding and cooperation.
Consumer complaint received 2023-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MI)

I have tried repeatedly since XX/XX/XXXX to resolve a payment/credit dispute with Comenity. XXXX payments made through my bank 's bill pay system have never been applied : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have sent in proof from my bank and complied in every way they've requested. Their online system is always experiencing problems, they do not follow up promptly, and they have made no attempt to resolve the issue. There is {$300.00} floating around somewhere in cyberspace and I am getting no help from the company. I am beyond exhausted and stressed trying to deal with this company. I just want them to fix my account and resolve my credit dispute!!!!!
Consumer complaint received 2022-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (WA)

On XX/XX/XXXX, and XX/XX/XXXX I made deposits to the a US BANK ATM ( ~ $ XXXX and XXXX respectively ). Oddly, both deposits amounts were canceled by the bank, with the $ XXXX being reinstated same day, but the other being held ( there were two checks in this held deposit ). It was apparently held because one of the checks written around didn't match the dollar total. I was not contacted. On XX/XX/XXXX I was doing an audit of my account and saw this discrepancy of over $ XXXX in my account. I traced it back to this issue, which was had been held since XXXX, again without any communication. Contacting the bank on XX/XX/XXXX, I was told it appeared to be an error, and the issue would be escalated, and they'd reach out to me the following morning. On XX/XX/XXXX I called the bank at noon, having not heard back. Working with a new individual, he told me that he was talking to the person that held the deposit, and an error had been made, but that now the check was released. I pointed out that the total amount ( $ XXXX ) was still not in my bank account. He then told me that it was because the checks were returned to their bank of origin, and that I'd have to reach back out to those individuals and have them write me new checks. This, however, is not an option. It's not clear why the entire deposit was removed from my account and sent back, why one of the checks was held, and why there was no communication about any of this until I did my audit. Further, US Bank is not taking accountability for removal of these funds from my account, and I've seen no evidence of the supposed mis-matched check.
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 — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX is fraudulently reporting to the three credit bureaus XXXX, XXXX and Expetian the XXXX XXXX XXXX account is open and late.. This account has been a closed/settled account for months. Why is XXXX XXXX XXXX reporting its open and late dated XX/XX/2020. This account has be closed and settled how can I be late on a paid/settled account. This is fraudulent and permanently damages my credit profile. It can not be late because its closed and settled. THE XXXX  XXXX MUST BE DELETED AND All Fraudulent must be REMOVED AND CORRECTED AND DOCUMENTED THAT This was an error on the XXXX XXXX XXXX.
Consumer complaint received 2023-09-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP (IL)

The bank institution has marked my name as account abuser under XXXX XXXX XXXX. The information reported as been incorrect. I did not commit any kind of account abuse. I would like my name remove from XXXX XXXX XXXX and the bank system so I can open an bank account
Consumer complaint received 2019-07-10
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. (FL)

Good afternoon. This complaint is in regards to paperwork that was sent to all credit reporting agencies reflecting a XXXX balance on my XXXX XXXX XXXX XXXX XXXX XXXX credit card. This account was paid in full and XXXX XXXX XXXX XXXX sent over documentation to reflect. I am in the process of purchasing a home for my family and I and this is reflecting my approval. The balance is incorrect on my credit report.
Consumer complaint received 2022-04-13
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: FIRST HERITAGE CREDIT LLC (SC)

Multiple hard credit pulls without my consent. Spoke to agent about the issue and he stated that they could pull credit as many times as they need as long as I have a debt. I believe this to be unlawful
Consumer complaint received 2022-04-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: TRUIST FINANCIAL CORPORATION (AL)

On XX/XX/XXXX my money market account was closed based on. Escheatment. I regularly use the card and account. When going in the Truist bank they were unable to help and directed me to XXXX number. They stated this process is done with inactive accounts but they could see this account is regularly used and based on Alabama law escheatment happens after an account is dominant for 3 years. This is not my situation. This is obviously an error and the bank should have fixed immediately. The bank is saying this is a third party product and they can't help. There was several thousand dollars in this account.
Consumer complaint received 2018-12-22
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. (FL)

On XX/XX/XXXX Equifax fixed a dispute on my report involving XXXX XXXX XXXX. XXXX had been applying my payments to the wrong account. XXXX admitted this error and corrected it internally. XXXX has been slow correcting the error with the Credit Bureaus. On XX/XX/XXXX Equifax again listed the account as late. This error is unacceptable the account is not 30 days late. Equifax needs to immediately fix this error. Will be filing complaint with Florida Attorney General.
Consumer complaint received 2021-06-11
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. (MD)

Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.
Consumer complaint received 2017-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I checked XXXX after checking my credit report to buy a home, when it came back I had XXXX > past due XXXX. I havent lived at the address they have on file for over two years, nor have I received any phone calls from them. I was never offered any type of assistance or forbearance. I only realized they were out there after I applied for a home loan, I was only enrolled in the schooling for 3 months before having to leave due to XXXX and my husband leaving for the XXXX. Also had problems with mail forwarding even after moving out and now the loans have defaulted leaving a huge mark on my credit to where I can now not purchase a home for my family. The loans are also over XXXX and I never received any where near that amount of schooling.
Consumer complaint received 2022-04-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

After examining my credit report, Portfolio Recovery was marked as a delinquent account. I sent a certified letter asking for verification of debt. The letter was delivered and signed on XX/XX/22. After the letter was signed I continued to receive phone calls. I have not answered the phone, and they will not leave a message. Caller ID is showing PORTFOLIORECOV XXXX
Consumer complaint received 2024-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO Bank, N.A. (OR)

Surprised this morning that account can not be accessed unless/until I sign off on new Banking Agreement. No prior warning or disclosure about this. I clicked on the document ~~ XXXX pages of tiny, unreadable print. 

I am XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX Bank has eliminated online chat help function & email contact connection. Only way to communicate with them is by phone. I do not do well on telephone communications. Tried calling XXXX different times, waited on hold over a half hour each time. Couldn't get through. 

I want to know what I am agreeing to before I click " ok. '' Already went through this process when BMO took over Bank of the West XXXX Difficult & unpleasant the first time. Even more so now. Why this new legal agreement? What changes are they making to my account that I don't know about? What risks & obligations am I being subjected to? Why is it secret? 

No way to communicate with these people except waiting on hold indefinitely. They should have at least sent email, or preferably written notification by mail prior to imposing this requirement. 

I can't get into my account unless I agree to something I can't even read. NOT willing to do that. Please help. 
thank you. 
XXXX
Consumer complaint received 2022-07-06
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Linebarger Goggan Blair & Sampson LLP (FL)

to clear all debt, put my credit score back up in great standard. love is a the highest frequency. these 2 government operating, against me. we all are equal. give a fair chance. which is law. contact me for any question. thank XXXX be blessed
Consumer complaint received 2022-04-11
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. (CA)

This is not a third party complaint. I filed an identity theft affidavit with Experian on XX/XX/2021 under case number XXXX and the XXXX XXXX XXXX did no comply with federal laws by blocking and removing the accounts. Because of his failure to comply my family and I have not been able to obtain credit and get housing. Federal law requires me to file a identity report with the federal trade commission or a police report and provide identification. I provided the identity theft affidavit and my identification on the above case number as proof and nothing was done. I demand CEO XXXX XXXX under XXXX Experian to block and remove all the accounts. It is your fiduciary duty to protect me as a consumer and report accurate information. My family and I are now homeless because of your failure to follow basic fair credit reporting law procedures.