davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-28
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: Experian Information Solutions Inc. (NY)

I did not authorize and do not recognize the following inquiries that now appear on my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-01
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: PNC Bank N.A. (NJ)

In XXXX of XXXX I submitted a check to PNC Bank for a balance transfer of {$5000.00}. 
I thought the promotion was until XXXX of XXXX, however it ended in XXXX of XXXX. 
The promotion included a 3 % transfer fee which would have been a {$150.00} fee. 

PNC did not notify me that the check was no longer valid because the promotion ended. 
Instead, they transferred the {$5000.00} and charged me a cash advance fee of {$250.00}. 

I was surprised they went ahead and did that without notifying me, and wanted to know why the check was processed if the check/promotion was no longer eligible. I was told that was their policy. 

I was told the fees and interest charges could be " stopped '' if I paid the full balance on the card, but I would still have to pay the {$250.00} fee. Their policy did not allow for any other remedy. 

I advised I would file a complaint, and to close my account and to remove my information from their databases. I was a customer in good standing, excellent credit rating, and never paid a minimum balance and always paid on time.
Consumer complaint received 2020-07-17
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)

Someone used my identity to open several accounts and i've been trying to get the last account removed from my credit file but experian keeps saying its been verified. This has been very frustrating because i'm trying to refinance my house and get my life back on track. XXXX XXXX- XXXX opened XX/XX/2019 XXXX
Consumer complaint received 2019-02-18
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (TX)

Loan Balance was paid off in full during the Month of XX/XX/XXXX, for remaining balance of original loan of vehicle which was considered a total loss in XXXX. Made several significantly large payment during XXXX in an effort to pay off balance owed after money received from insurance company. Santander reported a delinquent payment in the month of XX/XX/XXXX, one month before this account was paid in full which is drastically affecting my credit ratings at this time and was not appropriate action.
Consumer complaint received 2022-09-12
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. (IL)

Hi I am submitting XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2018-06-22
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. (IL)

I've been getting the run around. My credit card statement generated on XX/XX/XXXX. 
The credit report should have been updated the following business day XX/XX/XXXX to reflect my new credit card balance. My credit card is paid down close to zero balance, but it has yet to be updated. When I contacted XXXX, they advised that the report was updated on XX/XX/XXXX. This  isn't accurate. 

When I contacted XXXX XXXX, they advised to contact XXXX. I'm in the process of buying a home and the maxed out credit card status is preventing me from doing so.
Consumer complaint received 2018-06-22
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. (IL)

I've been getting the run around. My credit card statement generated on XX/XX/2018. 
The credit report should have been updated the following business day XX/XX/2018 to reflect my new credit card balance. My credit card is paid down close to zero balance, but it has yet to be updated. When I contacted TransUnion, they advised that the report was updated on XX/XX/XXXX. This isn't accurate. 

When I contacted XXXX XXXX, they advised to contact TransUnion. I'm in the process of buying a home and the maxed out credit card status is preventing me from doing so.
Consumer complaint received 2018-06-22
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)

XXXX XXXX XXXX charged off my second mortgage in XX/XX/XXXX and then continue to report 150 day lates in XX/XX/XXXX. From the date they charged off the account from their books they can't report lates beyond that date. I am retaining an attorney and they advised I submit a complaint to the CFPB prior to us taking legal action so they have the opportunity to correct the illegal reporting prior to litigation. See the snapshot of my credit report that I attached.
Consumer complaint received 2020-11-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (DC)

Over the last 6 months I have repeatedly asked Wells Fargo to turn off overdraft services on my account and every time I have they have ignored the request. These fees have started to become such a burden that it keeps making it so that by my payday I am certain to be back in the negative because of these fees that I have done everything that I can to avoid.
Consumer complaint received 2022-01-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cawley & Bergmann, LLP (NY)

I am having trouble verifying this debt because it is about 7 years old. I have also been contacted by multiple different third party collection agencies which is making it hard to understand where the debt lies, and I also believe is prolonging the negative debt reporting on my credit report.
Consumer complaint received 2024-03-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC. (IL)

I've been having issues with exeter for the absolute longest. I have been given the run around, they've told me they will send documents and never do. I'm always past due no matter what I pay. Recently I paid {$1500.00} and I spoke to a supervisor to double check that if I pay that amount my account would be current and he said yes. Now, I have paid that amount and they're still saying I'm past due. This has happened on multiple occasions, where I pay and they make up an excuse saying that it was used for something else. I really need someone to audit my whole account because I feel defrauded. There are just so many issues that I've had to deal with that I can't even type. I'm very frustrated and it feels like I have no rights in this situation.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (NY)

I am not liable for this debt I do not have a contract with this collection agency and I don't do business with this company and they did not provide me with the original contract. I want a correction to my credit report. I demand this account to be removed from my credit report. This company name is JEFFERSON CAPITAL SYSTEMS
Consumer complaint received 2020-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (TX)

I have paid my account in full with Midland 18 days ago and have yet to receive any updates, final payment letters, dismissal of my suit, and my credit reporting has not changed from delinquent status. When I call for updates, I am given the run around and sent from one " department '' to the next where each pretends to not have knowledge of the other 's status or activity on my account. Today I called to check on a full payment letter that was promised to me 8 days ago. Representative " XXXX XXXX '' ( an alias ) took a very unprofessional tone with me in response to my frustration with being lied to about the progress of my account closure. When told that the mail can take up to 30 days to arrive, I asked why it would take so long. He told me " if you want to work here, you can apply since you know how things work around here. '' I do not appreciate the way my account is being handled, considering I have paid in full as agreed upon 18 days ago. I should be done with Midland but they refuse to do the right thing.
Consumer complaint received 2020-05-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A. (OR)

Someone opened a checking account with Citi under my social security around XX/XX/XXXX. I spoke to Citi and they said they would close and flag the account and investigate the fraud. On XX/XX/XXXX I received a letter saying that {$45000.00} was transfer out of my account. I have not activated this account nor have I put money in it.
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (NV)

My name is XXXX XXXX, and I share an Amex credit card with my wife XXXX XXXX. On her XXXX credit report, it shows there is a remaining not paid balance of {$250.00} with Amex. But on my XXXX credit report, it shows the Amex balance is paid off with a XXXX balance. My wife 's credit score is much lower because of this discrepancy and we were denied on a home loan because of it. When I called XXXX, they said they had no idea why Amex had not reported on my wife 's report in one month, and they suggested I call Amex for assistance. When I called Amex, they too had no idea and suggested I call XXXX for assistance. I honestly feel like my wife is being targeted due to her XXXX 

Last update of her XXXX credit card balance was exactly one month ago. Not only that, every time we use our Amex card, within the hour we pay off the entire balance. It's not fair that Amex reports the balance immediately to the credit agencies, but Amex doesn't report the IMMEDIATE same day payments. 

I need an answer why my report is different from my wife 's report.
Consumer complaint received 2018-06-22
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. (CA)

XXXX/XXXX, ACCT. NO. XXXX IS WRONGFULLY APPEARING ON MY XXXX   AND EXPERIAN CREDIT FILES. 
I have never opened an account, received a card, charged anything or received any merchandise.My PURSE WAS STOLEN in late 2014 for which a police report was filed at the time.Many accounts were opened and much damage was caused by these thieves. 
Delete the account from my files, I have nothing to do with this company or account.
Consumer complaint received 2018-06-21
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. (CA)

XXXX XXXX XXXX, account no.XXXX  is erroneously reporting on my XXXX AND TRANSUNION reports post dispute.The account, balance history, charge-off status ... everything is wrong.First of all, what they are missing was that I paid off the account, over the phone with my XXXX  debit card when the total balance was about 250 dollars..no evidence of that in the record.Secondly, the account is re-aged, the date of 1st delinquency is about 9 months prior to what the record states.

Delete the account from all bureau files ... I can acquire my bank records any time I need it even if they are archived to prosecute the bank and the bureau for statutory damages due me.When my purse was stolen in late 2014 for which a police report was filed someone gained access to my identity and opened many credit accounts in my name.If they were able to abuse this account, they did, they were professional thieves.
Consumer complaint received 2020-07-01
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. (MI)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2017-07-25
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: WOOD FINANCE INC DBA PREMIER ACCEPTANCE (TN)

XX/XX/17 XXXX and XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, reached out on 8 occasions in an hour to my employer and called two family members with in the same hour after asked not to reach out to my employer and advised when the next payment would be made. I advised the company and its agents that I would have the payment on XX/XX/17 more than a week prior. The company threatens to repossess and continues to harass me at work and via relatives.
Consumer complaint received 2021-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have been trying to remove a fraud alert to purchase another home for almost 2 years. I keep getting transferred to a women who has never returned my calls for almost two years. No one in consumer affairs or customer service can access my report due to error 323. Even the fraud team transferred me today to this litigation women. I have given up a few times. Can someone officially remove the fraud alert that has effected me with my online accounts with XXXX  and transunion.
Consumer complaint received 2018-06-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (TX)

On XX/XX/XXXX, I discovered that the title on my truck still had a lien against it since XX/XX/XXXX. I asked the Texas Department of Motor Vehicles for a number to call. The number they gave me was XXXX XXXX. XXXX told me they had no records or information on my vehicle. They then gave me the number for ALLY FINANCIAL XXXX. I called and spoke to XXXX ( no ID # available ) and explained that I needed a clear title to my car. She said she could mail one that I would receive in 3-5 days. I told her this was unacceptable because I was in financial need and needed my title asap. I requested the information be XXXX to me overnight. She said she would. The next day XX/XX/XXXX, I called to get the tracking number so I could check on the delivery time. I spoke with XXXX ( id # XXXX ) and went through the same explaination. She told me she was going to open a case, apparently there was no record of the call I made on XX/XX/XXXX, the case # is XXXX. She would then need to get approval from her supervisor then the title would be sent to me by XXXX and I would get the information in 24-48 hours. I called again the next day, XX/XX/XXXX, and spoke to XXXX ( id # XXXX ). She was not able to help in any way and I asked to speak to her supervisor, who is XXXX ( id # XXXX ). It was after speaking to XXXX that I found out what the problem was, the Title Department at ALLY FINANCIAL, no longer had the title to my truck. The best that could be done was a I could be sent a release letter that I would then need to take to the Texas Department of Motor Vehicles before I could get a clear title to my truck. She also informed me a release letter had been sent by US mail and I would receive it in 3-5 days. I have already told everyone I have spoken to that 3-5 days is unacceptable since my truck was paid off sometime in XX/XX/XXXX and that the title to my truck should have been clear for the last 14 years. Somebody somewhere made a mistake. XXXX told me she would call me on XX/XX/XXXX to give me the tracking number. I asked what time to expect the call. She then told the office would be open from XXXX EST to XXXX and because of the volume of incoming calls she couldn't give me a time to expect her call. I live in a CST State. So I am still in the same spot I was in 3 days ago. I have no other way to solve my financial difficulties, I am currently unemployed and trying to find a second job so I can take of myself. I wrote this complaint because I feel I have no other recourse. ALLY FINANCIAL must be a very corrupt organization. They are being held responsible for {$80.00} XXXX to be repaid to minorities for charging them higher interest rates on auto loans, in addition to an {$18.00} XXXX  fine. At this moment I don't know what will happen to me or whether or not I will get the information in a timely fashion.
Consumer complaint received 2020-07-01
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. (MI)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2022-09-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MD)

Around XX/XX/2022, I made an extra payment of {$100.00} my XXXX XXXX XXXX store credit card, which is administered by Synchrony Bank, and requested that it be allocated fully to my purchase who's interest-free promotion is over at the end of XXXX, 2022. I have made 3 phone calls, and have spoken with 3 separate representatives, and instructed them to perform this allocation as requested. I have received a letter from the Synchrony Bank stating that the request has been processed and have received verbal confirmation as well that the request has been processed. The most recent request, which was verbally confirmed, was on XX/XX/2022. None of these requests have been processed as requested. 

The {$100.00} payment was split between the two purchases on the card. The other promotion doesn't end until next year, so this extra {$100.00} payment didn't need to be split. I do not want to be charged the accumulating interest from the XX/XX/2022 promotion, so I am trying to pay it off. I feel like Synchrony Bank is purposely failing to complete my request as instructed so that they can charge me the interest associated with this promotion.
Consumer complaint received 2020-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: MicroBilt / PRBC (formerly CL Verify) (FL)

My original request did not include specific documentation to Microbilt/ PRBC. I have attached them here, now. Also, to let you know, I am looking to find out If you have a file for me. Recently when I requested a report from another agency only to find Erroneous data of others Intermingled with mine. Thus this is why I need to see what you may have on record for me.
Consumer complaint received 2021-03-01
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (GA)

we were suppose to get {$90.00} back on our sams club mastercard as cash back rewards for the year.. the customer service person and then the store manager in XXXX ga said we were not entitled to this amount because we did not renew our store membership in person by our annual date of XX/XX/20.. we have had this card forever and have never had a problem renewing. because of covid we were not going into any stores. we did finally go into the store on XX/XX/20 to renew in person at which time we were told that we would not get the cash back reward. 

Funny, our membership still shows our membership date of XXXX. the more i think about this the madder i have become and wonder if XXXX XXXX XXXX has treated everyone like this during the covid epidemic. That means they have pocketed a great deal of cash back, americans/customers we are entitled to receive and basically fraud.