davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-08
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I noticed sevearl things on my credit report have been documented incorrectly by all the reporting agencies. According to the law, before any information inserted on my consumer report, it should be accurate. Pursuant to 15 USC 1681b ( a ) 2, it states that as a consumer, for anyone to get or use my consumer report, I must provide written permission as it relates to me the consumer. The law also states that the consumer reporting agencies must conduct a proper and thorough investigation. This has not been done. According to the Fair Credit Reporting Act, I have the right to challenge anything and everything that appears to be inaccurate and unclear.
Consumer complaint received 2023-09-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company (MA)

I currently have a VA loan with a mortgage of {$3300.00}. This payment was made for the month of XX/XX/2023 around the fourth of the month. Unfortunately, Freedom Mortgage reported the payment to the credit bureaus in the month of XX/XX/2023 which resulted in a 30 day late. 

This has been detrimental to my credit profile. Attached you will find a bank statement which reflects this payment in XXXX. I humbly request that this be corrected forthwith, as it is imperative to keep an exemplary credit profile from my future financial and business endeavors.
Consumer complaint received 2019-03-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: USCB Corporation (TX)

My wife of less than a year received a phone call at work, at a hospital from someone looking for me about a debt. First, the account had been paid off and second, prior to being married this was paid off. This company disclosed everything from the hypothetical amount owed, to telling her that I would be going to jail. Whoever this is has made no attempt to contact me or mail me anything. To contact my wife, at her place of employment? I have left a message with my attorney and in the process of filing a lawsuit
Consumer complaint received 2019-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NJ)

Applied for American Express Card XXXX XXXX card in XX/XX/2018 ( believe it was XX/XX/XXXX ). 

I called Amex ahead of applying for the card since this looked to be a new XXXX product. 
I was advised by an American Express Representative named XXXX that this card was a new product and she reassured me that I was eligible for this promotion. 

American Express failed to honor the promotion after making the minimum spend within the first three months. I made {$3000.00} in charges within the 90 day period as per the offer. 

Upon contacting XXXX I was advised the promotion was never added to my card and they were not going to honor providing the XXXX XXXX Points even though I made the minimum spend as per their offer.
Consumer complaint received 2020-07-30
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)

The Mortgage servicing company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX NMLS ID XXXX XXXX The loan number is XXXX My name is XXXX XXXX I never requested to be signed up for forbearance plan, I only acquire for the program. I have been paying all my payments on time. I have messaged on their website a several times, no response. I have called them after several attempts finally was able to get hold of a person who was overwhelmed and impatient.She will stated will note my account and I should receive a letter within 30 days which I have not received. 
Their negative status of my mortgage will prohibit me from a future refinance or a new loan. 
i would appreciate your help.
Consumer complaint received 2018-02-22
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (GA)

I financed two pieces of furniture from XXXX XXXX XXXX XXXX, and the credit card is issued through Synchrony Bank. As such, I made a payment to Synchrony bank in the amount of {$200.00} on XX/XX/2018, via phone with a representative. Per the representative, the transaction was successful, and this also reflected in my checking account. As a result, I considered the bill paid. 
Approximately two weeks later, I received a text message from Synchrony regarding collecting a debt. I was confused so I decided to contact Synchrony bank, and was told that the payment was returned to my account " due to an incorrect/invalid account number. '' I was even more confused as I did not provide an account number to the representative, and my checking account was not credited by Synchrony. All I provided to the representative was my name, social, home address, etc. I even spoke with a 'resolution specialist ' who did absolutely nothing to resolve the issue. I was going back and forth for hours and no one tried to help. So I decided to call my bank and was told what I already knew ... the money was NOT credited back to my account. At this point, I decided to call the number ( XXXX ) listed on the transaction via online banking. Sure enough, the call was connected to SYNCHRONY BANK! I informed the representative that I was calling the number that was on the transaction. To my surprise, the representative informed me that " we do not handle any accounts for XXXX XXXX XXXX. '' So, Synchrony basically took my {$200.00} and still expects me to pay the full balance. 

A few days later, I received a billing statement with the original amount ( the {$200.00} was not credited to my account ). The minimum due is doubled, and I believe there is also late payment included.
Consumer complaint received 2018-06-17
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. (AL)

I sent equifax a letter about mis- reporting accounts on my credit report.Equifax did not provide me with information on how they verified these accounts. I have no record of the above accounts and I am demanding that they disclose all of the documents upon which they are relying on, for the reporting on account ( 1 ) above, collectively referred to as account. In accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681g the consumer is entitled to said records the requested records. The information they are reporting is harming my reputation, its adversely affecting my credit worthiness, and I am being denied credit as a result of this inaccurate reporting.Equifax is in violation of the FCRA because they did not show proof of the alleged accounts.
Consumer complaint received 2017-05-26
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I purchased items at Kohl 's on XX/XX/XXXX that totaled over {$200.00}. I paid for the purchase using a combination of Kohl 's cash, XXXX gift cards, and my Kohl 's credit card account. After all credits were applied, I still ended up putting {$120.00} on my Kohl 's credit card. On XX/XX/XXXX, I returned one item totaling approximately {$31.00}. The Kohl 's employee that took my return told me that the refund would go back on my card. I assumed that she meant my Kohl 's account. A couple of weeks later, I went online to check my Kohl 's balance and noticed that I never received my refund to my Kohl 's account. When I call their Customer Service number, I was advised that the refund went back to a XXXX gift card that belonged to my sister. When I told them that they  sent my refund to another person, they told me there was nothing they could do about it because that is " how the system works ''. They told me to call my local Kohl 's and talk to them about it. I then called my local Kohl 's and had several conversations with a manager and eventually, the store manager. Both employees advised me that my refund was sent back to the XXXX  gift card automatically because that is how the system works. I was offered store credit for my purchase ; however, neither subject seemed to care that a system is in place where a customer 's refund money can be sent to someone else. Also, I did not want my refund in the form of another store credit. I wanted it to go against my outstanding balance to lower the amount that I owed. I was told that this was not an option because the " computer would not let them do it ''. This whole situation is not ok. My refund money was sent to someone other than me. Then they would n't refund the money to my account because they want to force me to spend it at Kohl 's again. I was also told that my sister would have to call Kohl 's to have the money re-issued. This is not acceptable. They sent my money to someone else, so they should get it back. In this instance, the money was sent to my sister. I was able to just get it from her ; however, what if my sister did n't want to give me my money? What recourse would I have? I have already complained to the BBB ( see attached files ), but Kohl 's response does not address the issue of the system that is in place. I have also complained to the Illinois Attorney General, but have not received their response yet.
Consumer complaint received 2023-04-11
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. (OH)

In accordance with the Fair Credit Reporting act, The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

Account Name : XXXX  Account # : XXXX Account Name : XXXX Account # : XXXX Account Name : XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) Account XXXX : XXXX Account Name : XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX  KY ) Account # XXXX XXXX Account Name : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX Account Name : XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) Acoount # : XXXX Account Name : XXXX XXXX  ( Original Creditor : XXXX ) Account # : XXXX Account Name : XXXX XXXXXXXX XXXX  Account # : XXXX Account Name XXXX XXXX Account # : XXXX Account Name : XXXX Account # : XXXX Account Number : XXXX  Account # : 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 an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) 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 than records of convictions of crimes which antedates the report by more than 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 if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-08-16
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. (NY)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$75000.00}, XXXX XXXX  XXXX. XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5100.00}, and XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2020-06-06
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. (CT)

I have a inquiry from XXXX XXXX on my report i dont recognize yet i received a letter from transunion stating they verified it. I dont see how that was possible
Consumer complaint received 2023-07-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

Well Fargo offered a savings account opening bonus offer of {$520.00}. 
I opened the account with a deposit of {$25000.00} on XX/XX/2023. Funds were left on deposit and a withdrawal of {$21000.00} was made on XX/XX/2023. 
Wells Fargo refused to pay me the bonus because they claim I withdrew my money too early. 

How to qualify for your {$520.00} bonus : Eligibility Requirements : This offer is for new savings customers only. All Wells Fargo consumer savings accounts are eligible for this offer with the exception of Time Accounts ( CDs ) and savings accounts offered by Wells Fargo XXXX XXXX. 
You must use your bonus offer code at account opening when you apply for a new eligible Wells Fargo savings account. 
You are not eligible for this offer if : You are a current owner of a Wells Fargo consumer savings account You have received any other consumer savings offer bonus or promotional rate that required a bonus offer code within the past 12 months, You are a Wells Fargo employee Bonus Requirements : To receive the bonus, you must : Open a new Wells Fargo XXXX savings account with a minimum opening deposit of {$25.00} in a Wells Fargo branch by XX/XX/2023. All account applications are subject to approval. 
Bring {$25000.00} or more in new money to your new savings account by Day XXXX and maintain at least a {$25000.00} balance through XXXX XXXX after account opening. 
New money is money that is new to the customer or new to Wells Fargo ( deposited into the customer 's new savings account directly from outside of Wells Fargo and XXXX and all affiliates, or from a Wells Fargo account not owned by the customer ). 
Bonus Payment : We will deposit your bonus into your new savings account within 30 days after you have met all offer requirements. 
The new savings account must be open at the time we attempt to deposit any earned bonus payment. Please note that an account with a XXXX balance may be closed by us without prior notice, as further described in the Deposit Account Agreement. 
You are responsible for any federal, state, or local taxes due on the bonus and we will report as income to the tax authorities if required by applicable law. Consult your tax advisor. 

I feel I fulfilled all the requirements and I hope you also agree. Thank you. 
.
Consumer complaint received 2020-07-30
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)

The Mortgage servicing company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX NMLS ID XXXX XXXX The loan number is XXXX My name is XXXX XXXX I never requested to be signed up for forbearance plan, I only acquire for the program. I have been paying all my payments on time. I have messaged on their website a several times, no response. I have called them after several attempts finally was able to get hold of a person who was overwhelmed and impatient.She will stated will note my account and I should receive a letter within 30 days which I have not received. 
Their negative status of my mortgage will prohibit me from a future refinance or a new loan. 
i would appreciate your help.
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AR)

So I would like to place a formal complaint against XXXX, Experian XXXX XXXX for violating my FCRA rights and my privacy. They have placed a public record on my consumer report that should not be there : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX said they verified it but I reached out to the courts who verified that they do not report bankruptcies to the credit bureaus. I have attached the letter that I received from the court. They are in violation of my rights pursuant 15 usc 1681b under permissible purpose. They never validated nor verified anything with anyone at the courts. XXXX is violating multiple laws including : The reporting requirements do not comply with FCRA 611 ( 15 U.S.C 1681I ) and the information must be deleted immediately. The civil liability law which I will sue under is clearly here : 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Failure to Comply or delete this public record from my report is a clear violation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Civil liability for willful noncompliance ( a ) In general, Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than { {$100.00} } and not more than { {$1000.00} } ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Under 15 US Code 1681a ( 4 ) as a consumer I have right to privacy and these inaccurate items must be deleted from my consumer report. The Privacy ACT OF 1974 should be the one and only thing that should get this fixed for me. Please help me get this violation removed from my credit report. It is unverifiable. It needs to be removed within 5 days. For the simple fact it never should have be on my report in the first place!!
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bull City Financial Solutions, Inc (OH)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of alleged debt, nor therefore any such debt, in fact therefore exists. I asked this company to dispute this unauthorized information off my credit report. Ive asked for verification that its my debt and they cant provide proof because it is not mine. I am a victim of identity theft. Ive filed police reports and sent my proof in and this is still on my credit unauthorized. It has to be removed by law.
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed XXXX {$0.00}, XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3200.00}, XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2300.00}
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

This complaint is for EQUIFAX Bureau. I sent them a letter regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.