davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-07
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 (TX)

Haven't been awarded the XXXX Miles in the T & C of the offer when I signed up for Delta Gold Skymiles card ending in XXXX. It hasn't been honored by American Express. We have confirmed that you are eligible to receive the promotional offer and show that youve met the required {$2000.00} spend requirement to receive the XXXX bonus SkyMiles. As a result, we issued XXXX bonus SkyMiles to your account on XX/XX/XXXX which will be available to view on an upcoming statement. However, we dont show that you have met the qualifying Delta purchase requirement as the purchase you made with Delta was for a Gift Card. Purchases that do not meet the spend requirement are disclosed in the screenshot you provided with your complaint with the header Up to XXXX Bonus Miles. We also dont show that youve met the additional {$1000.00} spend requirement in order to receive an additional XXXX bonus SkyMiles. You still have time to meet the spend requirement. For the {$50.00} statement credit, you have until XX/XX/XXXX to make a qualifying purchase with Delta. To receive the additional XXXX bonus SkyMiles, you have until XX/XX/XXXX to make an additional {$1000.00} in qualifying purchases. After the spend requirement has been met, the account is subject to a 6-8 week review before bonus SkyMiles may be awarded to the account. Thank you for your Card Membership. While this may not be the entire outcome you desired, I hope this letter has provided you with useful information. 

As of XX/XX/XXXX, I have met the requirements for the XXXX   Delta Miles.
Consumer complaint received 2018-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: SYNCHRONY FINANCIAL (TX)

My name is XXXX XXXX, a customer of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX. On XX/XX/XXXX, we applied for equity loan with the bank : I and my wife, XXXX XXXX. The bank responded with a letter asking us to complete so that it will be able to access our information through the IRS, form XXXX  ; however, we did response by signing and sending the information to the IRS as directed by the bank. Surprisingly, we received a letter from the bank the same day denying the equity loan when the information we sent had not even been processed either by the IRS nor the Annual Credit Repair Request Service. We filed a complaint with the XXXX XXXX XXXX questioning the abrupt suspicious stop of our application process contrary to the previous letter of the bank. The two officials of the bank investigating this matter are : XXXX XXXX XXXX, XXXX-XXXX-XXXX-XXXX and XXXX XXXX, Senior Vice President, XXXX XXXX XXXX XXXX. 
The XXXX XXXX claimed in the letter sent me that we applied for a credit program with TJX reward card. We never did, and had never done any business with this bank ever. However, this was intentionally done in order to sabotage our application with XXXX XXXX. XXXX XXXX is our mortgage company who even refinanced our house, our request for the loan is to repair our house. And we have other things placed into our credit report that are not true, but only used to disqualify our application. It's fraudulent, and should be investigated. You can reach me by phone : XXXX-XXXX-XXXX. Thanks.
Consumer complaint received 2018-06-07
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA (NY)

I have tried to resolve this from XX/XX/17 to the present. XXXX XXXX XXXX said they would pay my final months lease payment because I turned the car in one month early.They checked the car in and there was no damage. I leased a new car from them and 3 months later I get a bill for XXXX from a collection agent. I then started calling Hyundai Motor Finance and the dealership. I have emailed, and sent documentation proving that I am accurate and honest about the sequence of events. After 5 months of fighting with XXXX XXXX XXXX  they gave me XXXX. The entire time I was speaking with Hyundai Motor Finance. I then called them, and put in writing that I would pay the bill, but I wanted this off my credit report. They refuse to correct my credit report. The dealership that represents HMF lied and did not do what they said they were going to do and they damaged my credit. I have 30+ pages of documentation and numerous requests to have HMF remove this from my credit. HMF refuses to acknowlege that they are wrong. HMF has ZERO customer service, and they refuse to accept responsibility for their dealership that represents XXXX. All they want to do is trash my credit.
Consumer complaint received 2021-09-10
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. (UT)

Just received my Experian dispute report number XXXX. XXXX XXXX needs to provide how they verified to Experian this account that was due to fraud and identity theft, if you never retrieved the XXXX police reports even though the police report numbers were given to you all yet you failed to request the documents from the local police department. How can you legally verify a debt to Experian and XXXX XXXX as 100 % verified and accurate without retrieving the police report documents? Instead reporting back to the credit bureaus this debt is 100 % complete and accurate? You have failed to do a 100 % complete and accurate investigation and reported this debt anyways. I am seeking damages for these violations and gathering up all necessary documentation.
Consumer complaint received 2019-03-07
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. (TX)

Equifax and XXXX are reporting incorrect information regarding an outstanding balance due on XXXX - account number XXXX. This account does not belong to me. I have contacted all 3 bureaus and XXXX has removed this item from my credit report, however Equifax and XXXX have not removed this item. This inaccurate reporting is harming my credit score.
Consumer complaint received 2018-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have disputed the following fraudulent inquiries about a month ago, however, the credit agencies updated my report as verified. In accordance with the FCRA, a company must provide physical documentation in order for the up date to be valid. And I never once received any type of physical documentation, therefore the inquires in dispute should be permanently removed and them inquires are, XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), and XXXX XXXX XXXX.
Consumer complaint received 2018-06-07
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. (MO)

I have disputed the following fraudulent inquiries about a month ago, however, the credit agencies updated my report as verified. In accordance with the FCRA, a company must provide physical documentation in order for the up date to be valid. And I never once received any type of physical documentation, therefore the inquires in dispute should be permanently removed and them inquires are, XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), and XXXX XXXX XXXX.
Consumer complaint received 2021-09-10
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. (UT)

Just received my XXXX dispute report number XXXX. XXXX XXXX needs to provide how they verified to XXXX this account that was due to fraud and identity theft, if you never retrieved the XXXX police reports even though the police report numbers were given to you all yet you failed to request the documents from the local police department. How can you legally verify a debt to XXXX and Trans Union as 100 % verified and accurate without retrieving the police report documents? Instead reporting back to the credit bureaus this debt is 100 % complete and accurate? You have failed to do a 100 % complete and accurate investigation and reported this debt anyways. I am seeking damages for these violations and gathering up all necessary documentation.
Consumer complaint received 2018-06-07
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ALLY FINANCIAL INC. (FL)

My girl friend and I purchased a used XXXX XXXX and financed it with Ally finance. They have report us more than 30 days past due 3 separate times incorrectly. I found this on my credit report while trying to obtain a home loan. My loan officer and myself along with an employee from XXXX XXXX  called Ally to question the late payments. My due date on the loan is the XX/XX/XXXX of every month. In XX/XX/XXXX they reported me 30 days late when the check was presented to my bank on the XX/XX/XXXX and was cashed. In XX/XX/XXXX, they again reported me 30 days late. This check was written on the XX/XX/XXXX and presented to my bank on the XX/XX/XXXX and posted on the XX/XX/XXXX. The 3rd offense was XX/XX/XXXX I had missed the payment for XX/XX/XXXX and made a double payment in XX/XX/XXXX after I had received a nasty gram from ally reminding me that they did not receive XX/XX/XXXX 's payment. I am asking that these two 30 days late marks on my credit report be removed as I believe it is illegal to report incorrect information. This is adversely affecting my credit report and lowering my FICO score. I am also asking that as a courtesy, ally also remove the 30 day late payment in XX/XX/XXXX, as they appear to have issues with there book keeping. They claim I bounced a check to them, however, I find no bounced checked fee listed in my account during that time frame.
Consumer complaint received 2017-09-30
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. (NJ)

I found out recently that someone, clearly someone pulling something fraudulent, had XXXX pull a HARD credit against my name and SSN. I was and am furious that someone did this as this caused my credit score to decrease. It is appalling that XXXX did not contact me at my mailing address or landline phone to see if this request for services from them in MY NAME with MY SSSN was legit. 

The date of the HARD credit inquiry was XXXX/XXXX/XXXX. 

Per TransUnion I rang XXXX and it was a total fiasco. They told me to go ONLY in person to XXXX. XXXX in person said that they could do NOTHING and that the credit bureau has to dispute/remove the hard credit search. 

I DO NOT HAVE time to deal with this so I need this HARD credit inquiry to be scrubbed from ALL of the credit reporting agencies.
Consumer complaint received 2021-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

The items listed on my credit report that I have been disputing are not mine and I have been trying to dispute them for sometime now this 2021.
Consumer complaint received 2019-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

HAVE CONTACTED CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.
Consumer complaint received 2018-06-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: WELLS FARGO & COMPANY (SC)

On XX/XX/2018 I noticed {$2200.00} withdrawn from my account. I called my bank and they stated they were not sure what it was but would contact me after they completed an investigation. I called back again the next day and was given another telephone number to call and speak to someone. Upon doing so, I spoke with a representative who said it was a debt set-off from my husbands credit card. We had made multiple attempts to settle with this credit card and were not given a settlement agreement. When we spoke to the law office this debt was sent to, they offered a settlement but never sent payment info. I contacted them to no avail. When speaking with this contact person on the second number I was given, they stated any time they see money available in my checking account they will take this money for the debt owed on the credit card and they are not obligated to inform me prior to doing so. I was never informed of this, never informed of any judgment against my husband, myself or our accounts. I am now unable to pay my mortgage, my car payment, buy groceries and even pay for my toddlers daycare so that I can go to work. I have {$70.00} to my name at this time due to the amount they took from me and are refusing to refund it. I even asked to go on a payment plan and they stated theyll discuss a payment plan for the remaining balance one the {$2200.00} cleared my checking account.
Consumer complaint received 2018-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

My complaint also includes unfair assessed NSF fee 's, my cash deposit 's and unfair " DEBT COLLECTION PRACTICES ''. On XX/XX/XXXX, I was assessed " unfair and unwarranted '' NSF fee 's. I deposited ( in CASH ) {$65.00} for my Chase Check # XXXX on or about XX/XX/XXXX. I have attempted to communicate " effectively '' with Chase Banks ' rude and unprofessional representatives. However, my many repeated request 's for a reasonable meeting of the minds have fallen on deaf ears. I spoke with XXXX in the Chase Corporate Office. I requested to speak with a Corporate manager ( via XXXX ). I was told ( by XXXX ) that a Corporate manager would return my telephone call ( ASAP )! However, as of this filing, I have NOT heard from a Corporate Manager ( from Chase Bank ). Any and all supportive documentation will be faxed to CFPB for the use of this complaint " only ''. All personal information used in this complaint, is NOT to be used by the CFPB " only ''.
Consumer complaint received 2018-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (WA)

XXXX/Bestbuy offered a 0 % promotional offer for 36 months. I bought products for XXXX {$21000.00} on XX/XX/2014 from XXXX. I set up autopay that would payoff on-time. There is a {$150.00} left because the promotional offer is expired and part of the auto-payment went to a different promotional balance of {$700.00} instead of the main balance. They never provided be access to the other {$700.00} account. Even my online access was revoked as bank/card got rebranded. So, I disputed the charges and interest on my account, I canceled my autopay and closed my account. I requested for statements and they mailed me for few months of statements which didnt explain to me how/when the new account got added and how payments are split between these two accounts. I made numerous calls to understand why there is this huge interest charge. I reached Citibank atleast 50 times but bank not even once tried to reach me before charging {$15000.00} interest. Till today I havent received full statements and terms of the offer. Citibank updated all 3 credit bureaus with the 90-day delinquency which dropped my score by 130+ points. I am disputing the interest and charges on the account. That's the reason why I stopped minimum payments. But still, Citibank sent the update as delinquent to the bureaus. I have exceptional credit history without even one late payment or negative remark. I have 2 other Citibank credit cards which have revolving credit. Citibank ruined my credit history.
Consumer complaint received 2019-03-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (CA)

I received letter from following Debt Collection Agency : ERC, P.O Box XXXX, XXXX, FL XXXX ( reference number XXXX, dated XX/XX/XXXX ). 

The debt collection agency reported amount of {$100.00} with original creditor as " XXXX ''. 

On XX/XX/XXXX, XXXX  credit reporting agency alerted that a new account was opened in my credit file with following information : Address : PO BOX XXXX, XXXX, FL, XXXX Account Balance : {$100.00} Account Number : XXXX Creditor Name : ENHANCED RECOVERY COMPAN Industry Type : Other Collection Agencies I don't know who " XXXX '' refers to. I sent the Debt Collector ERC a letter asking for validation along with proof and request to produce written contract with original creditor to said amount on XX/XX/XXXX. 

The debt collector ( ERC ) has reported to XXXX  before 30 days period and before receiving my letter to them requesting validation. 

If " XXXX '' refers to XXXX Corporation headquartered in XXXX XXXX, Kansas providing cellular phone and other telecommunication services, I have not been its customer since mid-XX/XX/XXXX. I had a dispute with it in XX/XX/XXXXabout services provide, my termination of the services and amount owed. Other collection agency had reported the disputed to debt to credit reporting agencies and I had it removed from credit reports by filing dispute with credit report agencies.
Consumer complaint received 2018-06-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE (AE)

Im a XXXX XXXX  XXXX in XXXX and I sent my wife money to her in XXXX. I understood I wouldn't get a great exchange rate by sending it through Western Union but we were ripped off of $ XXXX when I sent her the money. 

The agreement was I sent {$1200.00} plus a {$9.00} fee and she would receive XXXX XXXX  pesos per their website when sending the money. When she went to pick up the money they would only give her XXXX pesos. I tried fixing this with Western Union but they have not bothered responding or refunding my money. 

The MCTN is XXXX.
Consumer complaint received 2018-06-07
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bayside Capital Services, LLC (WI)

On XX/XX/17 a debt collector named XXXX contacted my mother in law, who is the mortgage owner of the house I live in. He asked her about my rent payments and then told her not to expect payments from me in the future because he had legal documents for me. When I called back, I was told it was a debt from Arkansas, when I asked for written information I was hung up on. I called back and someone else said they would email info and I never received it. I told them they are violating debt collection practices and I felt like they were trying to scam me out of personal information.
Consumer complaint received 2018-02-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PNC Bank N.A. (MI)

In XX/XX/XXXX, I got a credit card from XXXX XXXX XXXX, now PNC bank. I used the credit card up to the limit of {$1500.00} and had trouble making the required payments. In XX/XX/XXXX I was requested to go to the bank and make a payment of {$630.00}. I understood this to be a reduced amount that if it were payed, the balance of the debt would be forgiven and the card closed out. I went to the bank and made that payment of {$630.00}. In XX/XX/XXXX, I got a summons to appear in court and was required to make additional payments of {$100.00} per month to pay down the outstanding debt. 

I thought the debt was paid already. So during the time frame of XX/XX/XXXX-XX/XX/XXXX, through a combination of payments and garnishment of my income tax returns, {$3600.00} was paid. 

Added to the prior payment made at the bank, I have paid {$4200.00} total against the original credit card debt of {$1500.00}. 

Given that I CAN NOT pay you any more, you are just adding to my stress level. Currently I am social security XXXX, diagnosed with XXXX XXXX, seeing a XXXX twice monthly. I am also supporting XXXX XXXX on my SS. I am XXXX, XXXX and will likely not work again. I barely have enough money to make it month to month. I am asking in fairness, that after paying {$4200.00} total, against a debt of {$1500.00} that any balance remaining be forgiven.
Consumer complaint received 2018-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc. (FL)

PayPal fraudulently opened a line of credit in my name without my authorization. While I have purchased item via PayPal I always select to do so through my debit card. I was contacted by PayPal that I owed an outstanding debt at which I learned this line of credit was opened. I have since paid the amount and closed the account. However now my credit will be affected due to closing the fraudulent line of credit opened by this company. I was told the line of credit was opened due to simply purchasing a product from XXXX. This is illegal! I never authorized this line of credit, furthermore never once even given my SSN, digital signature or anything to do so. I also will be contacting my states federal prosecutor and local attorney to further the legal process.
Consumer complaint received 2022-01-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (MO)

My issue is with Venmo. I have a personal Venmo and one for my small business. Neither account was used excessively. The business account, on average, handled {$200.00} a month in sales. The only payments I made from it was a monthly payment to an advertising company who handled our social media accounts. I stopped making payments to them several months ago. My personal account was mainly transactions between myself and my daughter who is in college. I would send her money each month for her rent and groceries. 

Both accounts have been permanently frozen. I asked why and they would not give me an answer. I am not running an illegal business, and I report all sales thru Venmo on my taxes. 

How can I resolve this if no one is willing to help me at Venmo? 

Sincerely, XXXX XXXX XXXX  XXXX, MO XXXX XXXX