davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (OR)

Our loan with Loan Depot, based in XXXX, New Jersey, was paid in full by XXXX on XX/XX/2020. According to this site, the company has 20 business days to refund us the excess escrow funds and overpaid payoff amount ( Loan Depot inflated our payoff by nearly {$5000.00} ). To date, we have not received any money owed us. I called Monday, XX/XX/2020 and spoke to a woman named XXXX, who said our check for {$6400.00} had been processed on Thursday, XX/XX/2020. She told me I should wait until Wednesday, XX/XX/XXXX. So we did, and no check was delivered. I called Loan Depot back today to say the check did not arrive, and the woman working from home in Arizona told me there was nothing they could do. My problem was now with the United States Postal Service. 
This is unacceptable! They charged me interest through XX/XX/XXXX, they should now owe me interest for every day beyond XX/XX/XXXX. Companies run poorly like this one could hold my money indefinitely and hide behind the problem being tp with the USPS.
Consumer complaint received 2022-01-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO Bank, N.A. (NC)

We purchased a new 2022 XXXX XXXX XXXX and financed through BMO Harris. We applied XXXX $ down with the dealer which brought our principal balance down too {$28000.00}. 

After I was enrolled with digital banking I noticed the principal balance was correctly reported to my credit, but not my account balance where I make payments. 

I reached out to the bank and spent well over an hour on the phone in which determined one system showed the correct balance, while the other system showed a 0 down payment balance. 
I worked with the representative and thought we had figured out the correct department to handle it. But there was no resolution while on the phone as they said this would take time. 

It has now been close to 3 months and the balance issue is not resolved.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-05
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. (FL)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-03-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2020 I made a purchase but never received the the merchandise. I was given a tracking number but it was wrong/invalid. I contacted XXXX and my bank account. The bank issues a temporary credit but after the investigation the money was removed which has now put me in the negative. Every time a deposit is made its taken and my account has been permanently closed.
Consumer complaint received 2020-07-16
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRUIST FINANCIAL CORPORATION (AZ)

Approx back in XX/XX/2019 / some time towards the end of the year. I spoke with a representative at Regional Acceptance in regards to my account. I advised the representative to cease all communication with the other party on the loan because she is my mom and she is older and this is not her vehicle. The representative confirmed the phone number and advised me that they would cease communication. I even verified that it was marked as cease communication. Fast forward to Wednesday XX/XX/XXXX and I receive a text from my mother saying that RAC had contacted her. An individual by the name of XXXX XXXX called her and not only did he call her after being told not to. He misinformed her on the amount owed and she was advised that the XXXX PMT was owed. When I contacted the company I spoke with another female who said she saw on the account that there was a cease communication on the number and she also mentioned it was called. She was also baffled as to why they called and offered an apology. This representative also misinformed me about what was owed and tried to tell me that we owe for XXXX. When the website clearly shows XXXX. We then called back and spoke with another representative who gave us the correct information on what was owed. We also questioned her about the cease communication that was placed on the account and she advised it was marked as no dialer calls. I advised her that was incorrect and requested a manager. She transferred me to a Supervisor Lead by the name of XXXX. Who tried to tell me that Im not allowed to place a cease communication on a phone number that is not mine. When we tried to advise that information is incorrect he no longer had an answer. We asked to speak with another manager and we were advised we need to leave a voicemail and get a call back. I know for a fact when an individual regardless of who it is asks for communication to a certain phone number that the communication needs to cease.
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 — Account information incorrect
Company: Conn's, Inc. (TX)

I bought a Tv last XXXX and used there in house Yes Conns financing. I made multiple payments every month and never missed one payment. I paid the Tv off early and when I looked at my credit score they reported I never made any payments and I have been late on my payments for over 9 months now harshly effecting my credit score. I called them and they said they would be in touch but never called me back or tried to.
Consumer complaint received 2018-06-20
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. (CT)

Had an error on my Transunion and XXXX reports, XXXX XXXX XXXX and their collection agency XXXX XXXX, ( XXXX has since been removed from XXXX   but XXXX XXXX XXXX remains ) this account was paid in FULL, however Transunion verified it all 4 times I disputed it as did XXXX, so I show Transunion AND XXXX my bank statement showing PAID, they said " the statement is too old '' well the debt was from back then so OF COURSE the bank statement must be from back when the debt was created / paid right? 

Also if they can not accept anything so " old '' how can they accept this companies " verification ''? that must be just as old right? this just smells like fraud to me.
Consumer complaint received 2018-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Receivable Solutions Specialist, Inc. (CA)

This company has reported the same medical collection against me 8 times!!! I have written and requested that this information be removed from all credit reports because it is incorrect, and also asking for proof if they believe that they are correct. I still have had no results, and need those accounts removed from all reports permanently.
Consumer complaint received 2021-10-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC. (VA)

Midland Credit Management has violated my Consumer Rights and Privacy Right under the FDCRA. I have attempted to resolve this matter with them several times and they refuse to respond to the affidavits and the cease and desist letters. I will attached copies of the cease and desist letter with invoice and attach the complaints I have filed with the Attorney General and the XXXX
Consumer complaint received 2020-04-30
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (CO)

Today, XX/XX/20, I received a notice from XXXX XXXX that one of my accounts had been closed, however, I have not closed any accounts recently. Upon review of my credit report I discovered that my Victoria Secret account had been closed by the bank, Comenity, without any communication with me. I tried to call the bank to resolve the issue thinking it was just an error, however, when I called the message I received was " Thank you for calling. Our records show that your account has a zero balance and is closed. If you are calling to ask about reopening your account we are not able to reopen an account that has been closed by the bank. You are welcome to reapply. We are sorry for the inconvenience. Take care. '' Like many other credit users of Comenity I was never late, paid on time, and had a zero balance due to no need to use at this time. Being a responsible card holder and not using credit I didn't need to use or have budgeted to use at this time meant that 2 of my accounts were recently closed. What is the point of being a responsible credit user if I am going to get penalized for NOT using it when I didn't need to. Apparently these banks are looking for people who can't afford to use them and do. Despicable and shameful! They say they are here for Americans and Veterans during the COVID-19 pandemic but really they are just trying to use it as an excuse to line your pockets with irresponsible spending habits. Disgusting!
Consumer complaint received 2020-04-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX, Transunion, and XXXX are inaccurately showing that several of my accounts are 30, 60, 90, and/or 120 days late on my credit report. The following accounts are inaccurately reporting late : XXXX XXXX XXXX XXXX - Date XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2020-06-30
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I sent dispure letters to all three major credit bureaus disputing inaccurate information. I mailed my dispute letters certified mail with a copy of my driver 's license ss card and a bankstatment with my current address on it. I sent 2 letters to each with no results or anything.
Consumer complaint received 2020-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX communicated a change in my score. Transunion reduced my score from XXXX to XXXX a drop of 58 points from XX/XX/XXXX to XXXX, 2020. This is devastating. Why? I had just paid my bills on time. XXXX dropped my score to XXXX. Both scores fair. I had an autopay with A service and I canceled it why drop my credit score. I contacted the autopay company and they said I could cancel so What caused the drop in score?
Consumer complaint received 2022-08-11
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. (NY)

On XX/XX/2022 I sent the credit bureaus ( XXXX, XXXX XXXX Equifax ) a letter of investigation, to conduct and verify everything on my credit report is 100 % accurate on my credit report. Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX The credit bureaus stated that my accounts are property investigated, but how is that possible if the open dates are inaccurate, the dates last active are inaccurate, and the dates last reported are inaccurate. This is ground for removal as they also violated my rights under. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 USC 1681 section 602 A. States that I have the right to privacy According to : 15 USC 1681 Section 604 A Section 2 : It states that a consumer agency can not furnish a account without my written instructions. According to : 15 USC 1681s-2 ( A ) ( 1 ). States that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Bushwood Capital Group, Inc. (CO)

XXXX XXXX, President of XXXX XXXX XXXX signed a contract with a Company I worked for in XXXX of XXXX and agreed to pay the company a referral fee. In XXXX of XXXX I received a 1099 from XXXX XXXX with my social security number for the fees he paid the company. I never provided or agreed to any contract work with the company. He then apologized, and requested the company 's EIN from me. I was very upset that XXXX illegally searched for my social security number through a skiptracing site such as XXXX XXXX or XXXX to obtain my social security number illegally. I have also had recent inquiries on my report that I have not consented to. My social security number has been compromised and illegally obtained by XXXX XXXX and his company. There needs to be some type of legal action taken against XXXX XXXX and his company to prevent future fraud.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Im submitting a complaint to you today to inform you I was the victim of fraudulent activities. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : EXPERIAN : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX CO XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX -- XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged fraudulent activities, not later than XXXX business days after the date of receipt.
Consumer complaint received 2020-04-30
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: Experian Information Solutions Inc. (MA)

I am sending request to remove accounts which were opened by fraud another person. I never give permission to open these account and never signed any documents. The both accounts fraud. Please investigate and remove as soon as possible. 
Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files.
Consumer complaint received 2020-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

For years I have been paying a lot for insurance. I kept getting told by all the insurance companies that it could be that my credit is not so good due to them running a consumer report during the quoting process. Every time I would get a quote it would come back high or ineligible. I have always paid my accounts on time. I decided to get my report pulled and out of surprise there is a lot of things that do not belong to me. Please remove these items from my credit report. XXXX {$3400.00} XXXX {$3000.00}
Consumer complaint received 2019-03-08
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 (CA)

Hello, I applied for the new Personal American Express Gold Card on the XXXX of XX/XX/XXXX through the website. The promotional offer that I applied with was the following : XXXX American Express Membership Rewards Points after spending {$2000.00} or more within the first 60 days of account opening. The website explicitly called out this offer and confirmed that I was approved for the card with that promotional offer. The website DID NOT call out that I was INELIGIBLE for this offer. I also satisfied all the conditions listed out on the application page to qualify for this offer ( including but not limited to " not having received the bonus on this card '' previously in my lifetime ) I received the card and started making purchases on it in order to meet the goal for the promotional offer. Between XX/XX/XXXX and XX/XX/XXXX ( 60 day period ), I spent {$3100.00} in eligible purchases towards this offer. 

In XXXX XXXX, I called Amex to inquire about the missing promotional points. At this point, I was told by the Customer service agent and her manager that I was INELIGIBLE for this offer. She confirmed that I was eligible for the offer when I applied but I was marked ineligible to receive this bonus on or around XX/XX/XXXX by the Membership Rewards team for reasons unknown. 

Upon questioning why this was not communicated to me immediately after the decision was made, she tells me that it is AMEX policy to not communicate these things out until the customer asks for it.

To be clear, this " rejection '' decision was not communicated to me proactively in any form until I explicitly asked for it. Amex was perfectly happy to let me spend money while knowing all this while that they weren't going to honor my promotional offer.

They offered to open a support case to investigate this and have NOT gotten back to me in over 2 months with any resolution.

Problem 1 : Incredibly misleading advertising of the promotional offer and its eligibility conditions on the credit card application page and refusal to honor the offer that I was explicitly approved with Problem 2 : Shady business practice of silently refusing to honor the offer and not proactively communicating a decision that would actively affect my spend with them.

For context, I've been a customer of Amex for 8 years now with a perfect track record of paying bills and I've been treated like dirt in this case.
Consumer complaint received 2020-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Harley Davidson Financial Services Inc (GA)

HD Credit is reporting an erroneous debt on my credit file that I do not owe. This debt was paid by my insurance. I received confirmation that the debt was paid. This should NOT be a charge off. I do know owe this debt and I am requesting that this report to show the paid and closed.
Consumer complaint received 2021-10-09
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: DISCOVER BANK (WV)

XXXX, order number XXXX amount of {$1700.00} XXXX, order XXXX, amount {$1300.00} XXXX, order XXXX, amount {$2100.00} XXXX, order XXXX, amount {$2900.00} XXXX, order XXXX, amount {$39.00} All of these were purchases and reimbursements from XXXX XXXX. Each was through my Discover card account. I have email from XXXX XXXX showing above stated refunds, but Discover is still charging me {$1500.00}.
Consumer complaint received 2020-06-30
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: Experian Information Solutions Inc. (AL)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX  XXXX {$1400.00}