davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I deposited {$500.00} on XX/XX/2024 at XXXX XXXX at Huntington bank ATM on XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX. 

The ATM showed a message saying the amount is on hold for security reasons and i should contact the bank. 

The bank opened a dispute and gave me a temporary credit for the amount. They then took the credit back and told me the dispute was denied on XXXX XXXX XXXX
Consumer complaint received 2019-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NV)

XX/XX/2019 : Tried to transfer American Express Membership Rewards points from my account to XXXX XXXX, a transfer partner. Attempt failed with this message : " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. ". 

XX/XX/2019 Called American Express customer service, explained, then was transferred to another representative who told me no idea why this happened, no idea how long rewards would be frozen, no plan of what would occur next.
Consumer complaint received 2020-11-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc. (TN)

I recently obtained a copy of my credit report. Lockhart Morris & MO continues to violate my rights according to Fair Debt Collection Practice Act. Also this company is in voilations according to 15 USC 1692. This defaming my character which is a violation of 15 USC 1692d. I have attched a copy of my FTC and my license.
Consumer complaint received 2021-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX Account number XXXX Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Hello XXXX XXXX XXXX XXXX, This is XXXX XXXX and this is to inform XXXX XXXX XXXX XXXX that they are reporting inaccurately and I will explain and supply supporting documents to support my claim and I will and am needing an urgent resolution to this issue as this issue has caused a bunch of stress on me! On XX/XX/2020 I received a call from a representative asking for payment in the amount of {$1800.00}. On XX/XX/2020 I made the payment which after the payment was satisfied I received an email from XXXX XXXX XXXX XXXX as a confirmation that on XX/XX/2020 the payment in the amount of {$1800.00} was taken care of which brought the balance to {$0.00}. I logged in to my credit file and I saw that XXXX XXXX XXXX XXXX is reporting XX/XX/2020 and XX/XX/2020 late which is not accurate. I made the payment on XX/XX/2020 I am not late. I even was given an email confirmation which I will attach along with this letter. This is an error on behalf of XXXX and this must be rectified and resolved because this invalid information that XXXX is reporting on my credit files ( XXXX, XXXX, Experian, etc ) is inaccurate. I have proof I made payments on time. This must be resolved immediately please. Please reply ASAP. This needs an urgent resolution. I will also be reporting this concern to the CA Attorney Generals Office and with the CFPB along with mail a copy to the address that I was provided by XXXX XXXX agent ID XXXX  ) which is XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, IA XXXX. Please fix this issue and send me a letter confirming this has been fixed and resolved. Thank you in advance for all the help. 




XXXX
Consumer complaint received 2021-11-28
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about 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 is the erroneous inquiry reporting on my Credit Report : XXXX XX/XX/2020
Consumer complaint received 2022-11-17
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: ALLY FINANCIAL INC. (FL)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please investigate the unverifiable item/account/information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALLY FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I called 3 credit bureaus to remove negative report from my public record but they didnt respond me it shoes bankruptcy on my public recort on my credit report back in 2014 they told me they gon na remove it becouse is too old not current and need to be removed please help me to remove im trying to by a house its hurting me cant go forward to grow up Thanks
Consumer complaint received 2024-03-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (GA)

As of XX/XX/XXXX when log into my on line account my statement said that my total to be repaid is {$17000.00} which start XX/XX/XXXX payment # XXXX = {$33.00}, # XXXX = {$97.00}, # XXXX {$83.00}. Then I have another paper saying : Payment next due date on XX/XX/XXXX and Status : XXXX XXXX : payments will begin in XXXX XXXX. Your payment amount will be shown on your statement XXXX weeks before due date. Which Current Balance : {$10000.00}. Then my tote to be Repaid change again to {$19000.00}. Then my last time logging into my account was in XX/XX/XXXX, On My XXXX My Account : Payment say : Next due date on N/A Status : Not Available : Current Balance : {$0.00}. LAST Payment Received : {$10.00} ( XX/XX/XXXX ). Now I can't log into my account on line. With Nelnet. I did not get any response or actions on my account.
Consumer complaint received 2022-04-26
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bridgecrest Acceptance Corporation (GA)

Please send me the original contract with my signature and the lender 's signature on the contract. PLEASE DO NOT SEND A COPY. 

Please provide an audit trail for the alleged debt as well to validate the debt.
Consumer complaint received 2019-06-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (MD)

I applied for mortgage assistance with my lender since I have been struggling to pay my mortgage since my husband XXXX XXXX XXXX XXXX XXXX. I asked my lender for help and they denied the mortgage assistance because of my age they are not extending my loan which is possible because I have a XXXX XXXX loan they are assuming if they extend my loan I will die before the maturity date. That is age discrimination. I need assistance I am all alone with no one help. I lost my Husband and our household income was cut in half, I would like my lender to consider me for a loan modification.
Consumer complaint received 2019-06-06
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MD)

I've leased the car and I've paid {$900.00} per month but I just shut down my business because of the lack of business. 
Since then I haven't been able to pay this amount and my car will be towed away soon.
Consumer complaint received 2019-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (FL)

I processed a balance transfer to my Chase Amazon card in the amount of {$3900.00} on XX/XX/XXXX. The balance transfer was offered at 0 % until XXXX of XXXX. I also had purchases on the card. I have made payments in the amount of {$3600.00} since the balance transfer was processed. Chase has been applying the minimum payment ONLY to the purchases at 24.49 % APR and then applying the remaining payment to the balance transfer at 0 %! The statement reads under how to avoid paying interest on purchases, " Because we apply payments in excess of your minimum payment first to HIGHER rate balances, you may not be able to avoid interest charges on new purchases if you have another balance at higher interest rates unless you pay your balance in full each month. '' Therefore they should be applying these large payments to the purchases at 24.49 % APR, however they are applying to my 0 % balance transfer. I have contacted them 5 times since XX/XX/XXXX as I have been charged interest on purchases made. Their response is that " If you pay your minimum payment, it will be generally allocated : - First towards any flexible financing offer balances with special payment obligations which require repayment of the balance over a pre-selected number of billing periods. 

- Then to balances with the lowest APR - Then to balances with the highest APR This is contrary to what the statement reads and predatory lending in my opinion. I have requested several times that they adjust my bill to process the payments made to the higher interest purchase balance but they just keep responding with the above statement. I can not pay the full balance or I would have never completed the balance transfer in the first place!
Consumer complaint received 2019-06-06
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: Bread Financial Holdings, Inc. (NC)

I purchased a sofa with my XXXX credit card the sofa costs me over {$1200.00}, I noticed issues with the sofa the moment I put it together. I noticed the quality was bad and how hard and uncomfortable the sofa was. I contacted XXXX and the gave me a {$300.00} adjustment. As time went on, I continued to have more issues witht he sofa. The back pillows are deformed and deflated, the stitching on the sofa is terrible and the sofa is coming part at stitching. XXXX won't offer a resolution to these issues, I will not pay for a sofa that is not even 5 months old and its already falling apart.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (TN)

I received a letter in the mail stating that a card was opened in my name at " XXXX ''. I did not apply for this card and promptly called Comenity to let them know that this is fraud and not me. I later received the " card '' and notified of the {$1400.00} balance that I did not charge.They said they would investigate. I called back several times and made no progress. They said they had 90 days to investigate. They said that the money was spent at a store in XXXX and the store had 90 days to get them info. I called the store in an attempt to expedite the process and the manager had no knowledge. I called Comenity Bank back and they said that they don't contact the store to investigate. They don't seem to know their investigation process. I followed up by writing letters and spending {$30.00} to mail documents to credit bureaus so they could investigate per the information on the FTC XXXX XXXX XXXX XXXX, and XXXX XXXX Today, I got a letter in the mail stating that the account is factual according to XXXX. It is NOT!! XXXX and XXXX removed the false information from my credit report. It seems to me that someone could look at my credit report and see that I did not need to open a card and max it out in the same day. I could have used one of my other cards with a lower interest rate if I wanted to make the purchase. This is not me and if it is not remedied then I will be looking for an attorney. I have worked years to have good credit and now I have spent 3 months of time, effort, and certified mail to remove something that shouldn't be on my credit. Ironically, this same person who was extended the credit with Comenity also applied for credit at XXXX XXXX and Big Lots and they were denied so that leaves me wondering if Comenity extended credit with inaccurate information.
Consumer complaint received 2020-05-06
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: Experian Information Solutions Inc. (AR)

My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
Consumer complaint received 2020-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CORELOGIC INC (MD)

XXXX  credit agency continues to report XXXX being owed to XXXX XXXX XXXX which was purchased from original creditor XXXX XXXX. This has been removed from the other two credit bureaus.
Consumer complaint received 2020-11-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: DISCOVER BANK (PA)

Discover has violated my federally protected consumer rights, 15 usc 1692. On XX/XX/20 I received a voicemail about a debt payment, and XX/XX/20 a representative from Discover called me and attempted to collect a debt using profane and abusive language. Besides these calls there were more and also several emails on XX/XX/20 and after about a debt payment and that they would report my information to credit bureaus without my permission.
Consumer complaint received 2019-06-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (AL)

I borrowed XXXX in XXXX and graduated working in XXXX XXXX for XXXX for over 10 years. In XXXX I had to file a chapter XXXX which was to wipe out XXXX of student loan debt with payments however once that discharged I still owed the full amount plus interest to sallie Mae. This became navient and I filed for forgiveness in XXXX but was denied. Now I still owe XXXX after thirty years of payments. What gives? Ive bought and paid a dozen cars off in this same amount of time but cant get this debt to drop with faithful payments
Consumer complaint received 2023-04-07
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. (MD)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-02-09
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: U.S. BANCORP (CA)

Around the beginning of XX/XX/2022 ( I do not recall the exact day ), I decided taht I wanted to request a credit limit increase for my U.S. Bank Cash + credit card and my U.S. Bank Flex Perks Rewards credit card. I logged in to my U.S. Bank account through my browser and went through the steps to verify my income, rent, and other information and then submitted my requests. Nowhere in this process did it ever tell me that U.S. Bank would do a hard credit inquiry on me for this process. I am very careful to pay attention to this whenever dealing with anything related to my credit. I would not have consented to a hard credit inquiry for this process had I known that it would be a possibility. 

I later got letters in the mail from U.S. Bank, dated XXXX XX/XX/2022, for each of the two credit card accounts that I applied for the increase on. The letters both explained that they could not process a credit limit increase because there was a freeze on my XXXX credit report and said to unfreeze the report then call them back at XXXX. I called them back at that number on XX/XX/2022 and spoke to a representative who told me that they did not know if a credit limit increase request entailed a hard inquiry or a soft inquiry and that there was no way of knowing this. I told him that it is required by law to inform me when they have the possibility to do a hard inquiry on my credit history. He then transferred me to a supervisor. The supervisor stated that the online credit limit increase request process for U.S. Bank does inform users that there is the possibility of a hard credit inquiry but she could not provide any proof of this supposed consent notice. I was then transferred to the underwriting department where I asked why they had to do a hard inquiry on me for a credit limit increase. He could not provide any reasonable explanation. He refused to process the request for a credit limit increase with just a soft pull of my credit report. 

U.S. Bank is fraudulently making hard credit pull requests on users whom have not been informed of this possibility beforehand. This is deceptive and illegal according to the Fair Credit Reporting Act.
Consumer complaint received 2021-05-02
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. (OH)

Looking over my report and noticed a medical debt that was paid but is still reporting on my credit report., I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX # XXXX, to release my medical information to a third party. I am aware that HIPAA does allow for limited information about me but anything more than to is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPPA authorization. 1.Please provide a breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you.
Consumer complaint received 2019-06-06
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: BARCLAYS BANK DELAWARE (MI)

A XXXX Transaction is made on my Barclays credit card in XX/XX/XXXX. The charge was authorized and is supposed to be charged only one. But in my billing statement, the charge from the same merchant, XXXX is shown twice for an amount of $ XXXX. I opened a dispute with Barclays and they asked me to contact the merchant. So I contacted XXXX and they emailed me back on XX/XX/XXXX, that they made the charge only once and its the credit card company 's mistake. I provided the email proof from XXXX to Barclays. I did not receive any status update. So I called Barclays back again and they said the dispute was closed. So I opened the dispute again and provided all the proofs. This repeated multiple times till now, XX/XX/XXXX and now the last time I opened the dispute with the highest authority at Barclays, I got a callback and they told me it was too late to do anything now. That the transaction has happened a long time ago and there is nothing they can do about it. On asking why my dispute was closed so many times, they say its the merchant who is responsible and for charging me twice and it's not Barclay 's responsibility to take care of it. Now I can not contact the XXXX either because they will not keep all records from two years since its a big airline company and they have too many records to keep. Now both the parties are not taking responsibility and I as a customer have to end up paying such a big amount for nothing I used.