davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-07
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 (MA)

American Express through their Amex offers program advertises promotion through which card holders receive benefits if they make purchase at certain merchants. The card has to be pre-registered for the promotion and the purchase made subsequently. I made such a purchase for XXXX XXXX Membership onXX/XX/17 after registering my card for the promotion which was supposed to give me 5000 bonus Amex points. I have however not received the bonus points even after multiple conversations with Amex who seem to keep promising to resolve this issue in 3 days everytime I have a chat with them. Have tried to escalate this atleast 3 times. I have available the entire chat conversation
Consumer complaint received 2018-02-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: GREAT LAKES (CA)

My student loans were previously managed by XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( " Great Lakes '' ) before being transferred to XXXX XXXX in XX/XX/XXXX. I'm concerned that the information transferred was incomplete, most importantly regarding my past qualifying payments. I requested that all of my records be provided to me via email through their customer service webpage and received an email on XX/XX/XXXX, notifying me that they would be sent via email per my request. Nothing happened. 

I lost track of the request that they didn't fulfill and reached out again in XX/XX/XXXX, again with no response. I think as a borrower these documents should be well organized and stored by the loan servicers. All I want is proof that I have made more payments than are currently on record because I'm a public employee and hope to use the Public Student Loan Forgiveness program. It would be unfair if all qualifying payments weren't counted due to poor clerical management on a private company 's behalf.
Consumer complaint received 2020-01-23
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. (NY)

To whom it may concern. I have been looking at my XXXX  XXXX  past few months it says I am an authorized user on a XXXX XXXX card that is terminated. # 1 I do not have any idea whose card that is or why I am on it. Never approved it. I do have my own XXXX XXXX card. I have called XXXX XXXX countless times about the situation as I now have 4 ongoing late fees on transunion and other reporting companies. I just called XXXX XXXX for the 8th time now about this and they only see my actual card on file. This authorized user card they say they have no knowledge of. I am asking for this authorized user thing with all these late fees to come off my credit report as soon as possible. I have no knowledge of it. And It is effecting my personal credit. Any help on this greatly appreciated feel free to call me about this.
Consumer complaint received 2018-02-06
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: TRANSWORLD SYSTEMS INC (OR)

Unable to pay debt, it continues to grow with interest. ( Over $ 90k ) Im being sued ( judgements ) Ive had my wages garnished and bank account completely cleared out multiple times while I try to work with them. Dont understand, feel like I cant make breathing room or get this in some sort of control. The debt is through XXXX XXXX XXXX.
Consumer complaint received 2021-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (PA)

Reviewed my credit report and lvnv is on there in XX/XX/XXXX I sent a dispute letter reporting this alleged debt. No response! I asked them to validate the debt and send me a contract that I have with them I never received anything. The nerve and audacity for them to add this to my credit report In addition they have not validated these accounts and theyre furnish inaccurate Reports this is a violation FRCA. XXXX is reporting incompleteness on the entire account. Account typos XXXX doesnt report anything while XXXX and XXXX reports its and open account. Funny how XXXX payment status says charge offf so how is this a charge off and open account? XXXX says its late 120 days. Account details for all bureaus are different. Balance is XXXX how do have a balance if the account is charged off. Number of months terms are different past due balance there should be no balance if its charges off right? Exactly.last reported date all are different XXXX has incompleteness experience has XX/XX/XXXX and XXXX has XX/XX/XXXX. Comments are all different. Date last active all differ XXXX incompleteness experience has XX/XX/XXXX and XXXX has XX/XX/XXXX. Last payment all differ XXXX incompleteness XXXX incompleteness and XXXX has XX/XX/XXXX. 
Second LVNV XXXX reports incompleteness for entire report. Account type all differ each bureau. Balance it should be be a balance of its charged off. Number of months terms differ past due there should not be a past due balance if the account is charged off past due differ all three bureaus. Payment status all differ one Im completeness on charge off the other late 120 days. Last reported incompleteness experience XX/XX/XXXX equifax XX/XX/XXXX. Comments all furnished different date last active all differ. Date of last payment all differ. Account history incompleteness ( all differ ) Lvnv have furnished inaccurate information!!!!!
Consumer complaint received 2020-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CITIBANK, N.A. (NE)

for the last 6 months i have been trying to resolve this with ciitibank credit card they say i owe statement still shows i owe large amonth when they was to be taken off my account back many many month ago. i paid this credit card off completely and it shows on my credit report i still owe them {$1100.00} and cards been paid off because those amounts was fraud charges that many times i gave them wheni call but still send me statements i owe this amount and the manager told me pay the amount we are agreeing on of {$630.00} which i did and she said any interest or late fees will be taken off your account if they get charged to it, i need this resolved asap. shows on my credit report i owe this amount of {$1100.00} when the card is paid off in full cause those was fraud charges that they said woudl be takin off.
Consumer complaint received 2018-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I went to the XXXX XXXX XXXX on XX/XX/XXXX and reported that the battery on my XXXX is not staying on. The guy working there ( XXXX ) told me he could fix it. I went to pick up and did not realize till I got home that he never fixed.I went back there twice and called over there half a dozen times with the store reps playing games and telling me I had to come back etc. Since I paid with my XXXX and assumed I was perfectly okay I called BOA to file a dispute as the service I requested was never done. I even told them I would mail the XXXX so they could check and trash upon completion as the XXXX is useless to me now. BOA issued a temporary credit on XX/XX/XXXX but I was shocked when they sent me a letter they would reverse credit 2 weeks ago. I thought the whole point of paying with XXXX   was confidence. They never investigated, did not try anything, did not request XXXX for evidence. When I called over there on XX/XX/XXXX, the BOA rep I spoke with advised me the credit was a courtesy and that if the business does not assent to a credit, they can not process. I was never aware that is how it works. Please investigate Bank of America for misrepresentation, negligence and underhanded tactics. This is not how XXXX works, not to my knowledge or everyone would be carrying cash around and paying with cash.
Consumer complaint received 2018-02-07
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

I have credit inquiries on my credit report from USAA dated XXXX XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX that I did not authorize.
Consumer complaint received 2019-11-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc. (KY)

XXXX XXXX added a collection in XXXX of 2016. I contacted them directly in XXXX of this year and again in XXXX of this year. The representative I spoke to provided the account information as well as the address for the account. The address on file is an address I have never been associated with. In XXXX the representative and I went through the steps of filing a fraudulent account claim. They assured me that the account would be deleted from all 3 of my credit reports. In XXXX, the account was still reporting to all the bureaus. I contacted XXXX again and the representative said the only way to appropriately file the fraud case was to contact the collection company directly. I called the number to XXXX XXXX XXXX provided by the representative and the representative for the collection agency said that even though the account was not mine and a fraudulent claim was filed, the account would continue to stay on all 3 bureaus until the balance was either paid in full or settled. I have never had anesthesia service from this company.
Consumer complaint received 2022-04-29
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: TD BANK US HOLDING COMPANY (FL)

This Nordstrom account appears on all 3 credit reports and I did not open this account. I have disputed it with all 3 credit reporting agencies to have it removed from my credit report. My credit score has decreased due to multiple fraudulent accounts opened in my name NOT opened by me.
Consumer complaint received 2022-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION (CA)

To whom it may concern, On XXXX I visited Full Moon Restaurant in XXXX XXXX XXXX CA with spouse and spent a total of {$87.00}. {$71.00} food total ( receipt attached ) and a {$15.00} tip. 
A couple days later, I follow up on my credit card account and notice that an unauthorized purchase of {$140.00} from Full Moon along with my original purchase of {$87.00} ( {$71.00} food+ {$15.00} tip ). I called Navy Federal Credit Union and informed them of the situation of the unauthorized transaction of {$140.00} on XX/XX/XXXX. They informed me that they will be cancelling my, will be sending me a new credit card and refunding me the amount of {$140.00} for the unauthorized transaction. 

On XX/XX/XXXX, I check online and see that the credit of {$140.00} is posted in my account. Then on my XXXX statement ( XX/XX/XXXX ) I see an account adjustment for {$140.00}. I called XXXX XXXX to see what the issue was as I had previously thought the unauthorized charge was resolved. They informed me that the credit was reversed and that I would have to submit a dispute to resolve the matter. At this point I was confused what the issue was, so I ask the XXXX XXXX employee on the process since I was unfamiliar with disputing charges. The associate guided me through the process, and I submitted the request with the original receipt that they asked for. Around XXXX time, I receive a letter from XXXX XXXX regarding my dispute asking for additional documents, so I called them for clarification, and they stated that no action was needed and that they were still reviewing my dispute. Yesterday XX/XX/XXXX, I receive another letter from XXXX XXXX that my dispute was denied and to call them for any questions. 
My complaint is with Navy Federal Credit Union. I dont understand how they can not have handle an unauthorized charge. I called them immediately when I noticed the discrepancy and they assured me that it would be handled. They initially credited my account of the unauthorized charge and then take it back and ask me to file a dispute. I understand that they may need additional information which I provided but they are denying my dispute even though I provided them a receipt. 
I have attached the original receipt of food bill from Full Moon ( {$71.00} ), my XXXX credit card statement and screenshots of a XXXX conversation that my spouse was having with XXXX XXXX. They had informed her that they had a glitch that night of XX/XX/XXXX and that another person tab was charged on my card. I believe this to be the unauthorized charge of {$140.00}. 

Thank you for your attention on this matter
Consumer complaint received 2020-01-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NJ)

MY IDENTITY WAS STOLEN FROM XXXX  XXXX XXXX .EVEN AFTER I REPORTED THE FRAUD XXXX  XXXX XXXX ALLOWED THE TIEVES TO CONTINUE USE THE ACCOUT. 
DESPITE NUMEROUS COMMUNICATIONS XXXX  XXXX XXXX  DID NOT RESOLVE THE ISSUE AND SOLD THE ACCOUNT TO A CREDIT COLLECTION AGENCY WITHOUT NOTIFYING ME. 
THE NEW COLLECTION AGENCY, RESURGENT CAPITAL SERVICE / LVNN FUNDING NEVER COMMUNICATED WITH ME AND I FIND OUT BECAUSE I WAS DECLINED BY A LENDER ON THE BASIC OF NEW NEGATIVE INFORMATION REPORTED BY LVNN FUNDING / RESURGENT CAPITAL SERVICES. 
I WANT THIS COMPANY TO STOP REPORTING NEGATIVE INFORMATION BECAUSE THEY ARE COLLECTING A DEBT THAT IS NOT MIND AND ONE THAT WAS CREATED BY FRAUDULENT ACTIVITIES.
Consumer complaint received 2018-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion is reporting inaccurate addresses, names, and SSN variation for my account. 

Between XX/XX/XXXX and XX/XX/. I have called Transunion several times. 

1. On XX/XX/, I sent a handwritten letter to Transunion ( certified mail, receipt attached ) asking them to remove incorrect addresses. 

2. On XX/XX/, I sent a notarized typed letter to Transunion ( certified mail, receipt attached ) asking them to remove incorrect addresses. 

I have sent 1 handwritten letter and one type notarized letter ( all  certified mail ) disputing incorrect addresses on my credit report and Transunion has failed to delete the addresses.
Consumer complaint received 2021-04-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

Hello there and good morning, I am reaching out to you because last year back in XX/XX/2020, I was receiving some funds through Venmo for some good I was selling, I did transfer funds to my bank account twice and they were deducted from my digital wallet but the funds were not deposited into my bank account neither returned to my digital wallet, besides that, there was a total balance including these two transfers of {$3200.00}, Venmo decided to freeze my account and keep the funds for 180 days, as the time is due, I am still expecting my funds to get back to my account. but instead of that, Venmo did reverse a couple of payments and has awarded a dispute to another user to which I was never asked to show any evidence of the agreement made between these users and I. I have contacted Venmo regarding my funds because once they have unfrozen my account, there is a balance of {$37.00}, I asked them were my funds are at, they say I have to contact the customers because the funds were never in my account, i explained to them that if someone has disappeared the funds is Venmo because it's clear and there is evidence they were in my digital wallet and transferred to my bank account but they were deducted or transferred and never got back of managed to be transferred. I need to get help with this matter as it's been more that 180 days and they still not responsive at all I have bills unpaid and rent to be paid because of this delay. I have the transfers history of my digital wallet also as the conversations between the other users and I where they agree to transfer the funds to me. 

Look forward to hearing from you soon, Kind regards
Consumer complaint received 2018-03-30
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: CITIZENS FINANCIAL GROUP, INC. (DC)

I attended XXXX  in the Fall of 2015. I had applied for financial aid on the first day the application was released and sent back my information on the first day it was available. Yet, I still did not receive Financial Aid until I came to Campus for move in day.

A week after XXXX break my aunt died. I had to leave to go home to MI to be with my family at that time. Because of those circumstances my financial aid situation was neglected when I came back to XXXX I was required to pay half of my balance to continue my studies. I did so. After that I received notification that there was a loan from Citizens Bank on my account. The issue? I never applied for a loan from them. It was being processed on my account even though I disputed this with the Office of Financial Aid. They instructed me to reach out to the bank itself, which I did and they verified that they had not sent me a loan for those funds. I wasnt in the headspace to dispute this. These funds never existed and prevented me from making a payment on my account At the time of the situation the loan had been processed on my account and I received no assistance from XXXX when trying to figure this out. When I looked today, the loan had been cancelled but it's existence on my account when it was never filed for is proof enough of this fraudulent loan.

During this time my mother became very ill and was involuntarily committed to a XXXX XXXX. I contacted the financial aid office to notify them of this and to ask for more assistance but was told that there were no more funds in the student needs based grant program. At this time I was receiving $ XXXX/ semester and was requesting more because my mother was, as stated before, XXXX and so she was not even aware of the situation. At this same time, students and staff were stealing {$1.00} million worth of needs based grant assistance from XXXX  and this is why they had no funds to assist me. In one semester a student received the university need based grant in excess of {$60000.00}. XXXX  had a student stealing money for the need based grant program that I qualified for and when I contacted the Financial Aid office, which was being run by these officials and students, they refused to assist me with any further grant funds and hung up the phone on me multiple times. The people who were stealing the grant money, refused to use the funds for their allocated purposes.
Consumer complaint received 2022-10-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC. (NJ)

On XX/XX/2022 I sent a certified letter requesting immediate closure of my checking account. To date, it has not been done. Yesterday, they allowed a online payment to go through even though this account should have been closed. I had to initiate a transfer from my current account to this account that should have been closed. Please assist me in closing this account
Consumer complaint received 2021-05-24
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)

These accounts are not mine and I became victim of identity theft and its XXXX  my report and my life. I do not want to have something like this and please help me and make investigation. Its misleading information for sure and I do not want to have it. Remove these accounts from my credit report
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

To Whom It May Concern : I have filed a previous complaint with Equifax, XXXX, and XXXX with no response. Can you please assist me in fixing the error. 

These are the facts : I sent letters to the credit bureaus multiple times inquiring about the removal of these unauthorized inquires Items were submitted on XXXX and various other dates. After pulling my report today I am seeing these items are still here. Can you please assist in getting the credit bureaus to respond and assist with taking care of these matters per the Fair credit reporting act.
Consumer complaint received 2020-11-03
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. (NY)

I am trying to review my credit, and make sure all the items on there are correct, but there are accounts that have been on my credit for a long time that absolutely should not be there. I have no contracts with these companies, and did not agree to pay any money to them.
Consumer complaint received 2018-04-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NY)

XX/XX/XXXX - I applied for a home mortgage with Quicken Loan website and a banker contacted me to ask for all confidential information ( income, debt, credit report, assets, etc ). 
XX/XX/XXXX - Quicken Loan requested my current credit report. XX/XX/XXXX - Quicken Loan
contacted me via online email saying my debt to income ratio can not qualify for mortgage with them. I totally understand the reason and rejection. 
XX/XX/XXXX - Another Quicken Loan banker " XXXX XXXX '' blind called me that she can help me get the mortgage approved this time and ask me again a lot of information. As she walk through the term and rate and cost, she kept emphasizing the call is recorded and ask for my agreement to do business with Quicken Loan ; she requested {$500.00} deposit using credit card. 
I disagree with the urgency because I do not have rights to compare bank interest rate offer and terms with others at the moment. I simply ask her to provide me everything on record, such as email, paper mail, etc. She refused and pretend never heard. The worst part is she kept asking me for the agreement to do business with Quicken Loan and ask for credit card for deposit {$500.00}. I deeply concerned about my personal information may be misused by Quicken Loan. 

Please please investigate this company 's mortgage practice. I believe they are attempting to take advantage of home buyers who is in tight schedule to secure a mortgage for closing. Thank you. 

The call on XX/XX/XXXX is between XXXX - XXXX EST from number XXXX.