davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-22
Product: Credit card — 
Issue: Advertising and marketing — 
Company: DISCOVER BANK (CA)

Discover started and marketed a promotion giving XXXX % Cashback on ALL transaction using XXXX. I applied for and received a credit card from Discover expecting to receive XXXX % cashback on all XXXX transactions. Shortly after their promotion started Discover started arbitrarily adding restrictions to the promotion. After that Discover began a program to blanket deny all high value transactions due to " giftcards '' even if those transactions contained no giftcards. Discover then again changed the terms of their promotion without warning and started requiring receipts for all transactions in order to obtain the advertised cashback. 

The original terms under which I signed up are as follows : " What are the details for the XXXX % Cashback Bonus ( R ) promotion? 
Cashback Bonus : Earn an extra XXXX % Cashback Bonus on up to {$10000.00} of in-store purchases when you use your Discover card with XXXX now through XXXX XXXX, 2015. Rewards earned are in addition to your standard rewards and are added to your Cashback Bonus account within 2 billing periods. See Cashback Bonus Program Terms and Conditions for more information. 

XXXX : Earn an extra XXXX miles per dollar on up to {$10000.00} of in-store purchases when you use your Discover card with XXXX now through XXXX XXXX, 2015 now through XXXX/XXXX/15. Rewards earned are in addition to your standard rewards and are added to your Miles account within 2 billing periods. See Miles Program Terms and Conditions for more information. '' Discover clearly engaged in deceptive marketing practices. They marketed a promotion promising amazing rewards with no cashback and after getting new customers to sign up, they began fraudulently denying transactions without cause and adding restrictions without notice. The request for receipts is a blatant attack on customer privacy. 

I will add that the FDIC and CFPB have already previously held that Discover has engaged in deceptive acts and practices in or affecting commerce, in violation of section 5 of the Federal Trade Commission Act ( " Section 5 '' ), 15 U.S.C. 45 ( a ) ( l ), and in deceptive acts and practices in violation of sections 1031 and 1036 of the CFP Act ( together " Section 1036 '' ), 12 U.S.C. 5531,5536.
Consumer complaint received 2021-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have a large delinquent balance that is being addressed during my divorce. It should total around $ XXXX in cc charges. I noticed several months ago Transunion is reporting my delinquent amount as $ XXXX! They are reporting the original account AND the purchased account from the debt collector doubling everything that appears on my report. XXXX is starting to do it as well. Once the account is purchased by the debt collection company it is no longer delinquent with the original creditor and therefore should switch the original account to closed not delinquent. I have reported and requested more than once for this to be corrected. I also requested a refund for some profile fees Transunion charged me that I was not aware of and then could not investigate since they locked down my account and it took me three days and 8 hours of phone work to get a human on the phone. This is ridiculous! 
* XXXX also had me locked out of my account for months with no resolution until I sat on the line for hours on end waiting for an agent to assist me. 
It is unbelievable that these companies are in charge of our lives and yet get away with shady practices, mistakes, stealing- and they aren'y even secure, I should have stacked up a few more years of identity theft protection VIP services because I have been included in so many hackings through the credit bereaus. By the way, if I read the history correctly no one legally appointed these businesses to the throne they anointed themselves the keeper of all the knowledge. In my book, without my permission, they are essentially the biggest identity theft hackers and stalkers in the world, I want my private and confidential information removed!!! I do not trust these crooked corporations! 

And finally, they all show us a number sometimes two when we log into these credit profiles. These numbers are supposed to represent our credit scores. Except, these three almight big brothers can't agree with each other what our scores are, AND ON TOP OF DISPLAYING ALL DIFFERENT RANDOM NUMBERS, when you try and purchase say a car, the loan agent comes back with yet a different number that supposedly is your real credit score, it's always lower than what you have been told, and no one knows why. 

Lastly, XXXXXXXX XXXX XXXXXXXX XXXX is a scam. None of the " XXXX  '' they found on my account were ever actually applied to my score positively or even showing on my account as far as I can tell. that is flat out fraud and disception.
Consumer complaint received 2019-05-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (MD)

My name is XXXX XXXX, I am a previous resident at the XXXX in XXXX Maryland. I wanted to reach out to you due to receiving a call from a collections agency. During the call from the collection agency, they stated that my wife and I owe {$3700.00} due to unpaid rent. When I inquired on our move out date from the XXXX   they informed me that we move on XX/XX/XXXX, which is incorrect. I have attached a copy of an email that was sent to the XXXX informing your team that we would be moving out on XX/XX/XXXX, which we turned in keys and garage door openers on XX/XX/XXXX at XXXX XXXX. During this time our lease agreement had expired and we were on a month to monthly rental agreement. After sending the attached email my wife received a call from you was she informed you that I had been laid off and we could no longer afford the rent payment. On XX/XX/XXXX, I submitted the prorated rental payment of {$1100.00}, due to us moving out on the XXXX of the month. Per the XXXX county housing code, if you have a loss of income you have the ability to submit a 30 days notice. I have also attached another email stating that your maintenance team changed the locks on the unit on XX/XX/XXXX. I have attached several supporting documents that should clear up the errors and time that we moved from the apartment and also that we do not owe the XXXX any rent. The property management company can not provide a signed lease. They can not provide a reason why I was charged for the additional month and a half.
Consumer complaint received 2019-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GREAT LAKES (WA)

All student loans were consolidated back in XX/XX/2017. 

Several still appear on my credit reports ; erroneous to outstanding instead of consolidated. 

I have made payments for OVER Two ( 2 ) Years, CONSISTENTLY, Every Single Month - Yet the agencies and Great Lakes Student Loan servicing still shows me INCORRECTLY in Default! 

I Further REFUSE to sign their treacherous paperwork reaffirming this incredible, swelling debt beyond payday loan shark rates. It is one thing to pay  for my XXXX  school education in finance, it is another to pay at rates beyond that of any mortgage, car, credit card or auto loan which would legally be allowed to be refinanced, let alone with CORRECT information! 

PROPER reporting is required! Show the on-time payments EVERY SINGLE MONTH!
Consumer complaint received 2024-01-30
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. (IL)

It is essential to note that I did not grant permission for these accounts, and their presence is causing me substantial distress. I kindly ask that you prioritize this issue, carry out a comprehensive investigation, and expeditiously remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely valued.
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MA)

I am unable to lift a security freeze on my credit report despite entering all the correct information, including the PIN I received at the time of the security freeze. Instead, Experian requires that I mail copies of multiple documents to prove my identity. I am unable to make such copies due to COVID-19 and need lenders to access my credit as quickly as possible so that I can fix financial issues that came up due to COVID-19. In addition, Experian makes it impossible for me to reach a live customer service representative by phone. I am extremely frustrated by Experian 's poor service and request that they address this immediately.
Consumer complaint received 2018-06-12
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. (UT)

On XX/XX/XXXX I contacted XXXX XXXX in XXXX, FL. regarding an account. I was unaware of this delinquency until I obtained my credit report. Apparently my husband had established this account in my name. 

I asked XXXX XXXX if there was a settlement amount and they replied that there was. I paid the amount with my XXXX Debit card. A few weeks later this account still remained on my report as derogatory. I filed a complaint with TransUnion. It is still there. I contacted XXXX XXXX on approximately XX/XX/XXXX and spoke with their representative. I told them it had been quite a while and this was still showing negative on my report. " It's not 30 days yet, is it? '' I replied that it was paid. " Well, it's not 30 days yet. '' I told him that I wanted it off my credit report by the 30th day, XX/XX/XXXX. " We don't remove derogatory reports ''. 

My question is this : if it is paid to their satisfaction, why do I continue to be penalized with a derogatory mark on my credit report? I am working hard to re establish a good reputation and have paid all debts. I have not worked with a repair company to have them erase negative marks nor have I just let them expire. Shouldn't doing the right thing pay off? 

I appreciate anything that you can do to assist me in this matter. I feel that XXXX XXXX is holding my reputation hostage without cause.
Consumer complaint received 2020-06-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

I am trying to do a Partial Release on the mortgage my husband and I have on our home. I'd like to put a large sum of money on the loan as well. Husband is retired and my income has already been drastically affected this year by COVID. We are trying to prepare for what we may be facing financially. 

I have called numerous times to Bank of America, including today, and have not heard back from anyone who can explain my risks of being denied when attempting to get a partial release on our mortgage. In essence, without being willing to give me any information on which they will base their decision to approve or deny, they want me to send in nearly {$2000.00}, all non-refundable, and then they will ( what feels like, randomly ) decide if they can do this partial release. Based on who knows what ... 

{$2000.00} is a lot of money to just throw away. I want to stack the odds in my favor - meaning, if their criteria is so strict that there is no way we would be approved, then I would turn around and go home. But, so far, all I've been told ( by person answering phones ) is basically " Yup, just send in the money and we will see ... '' Any mortgage has certain requirements that if not met is denied. Like credit score, appraised value, debt to income ratios, etc. I'm willing to risk submitting an application along with {$2000.00} non-refundable funds, if they can provide a basis upon which they evaluate this request. If I knew that, and knew I wouldn't meet the criteria, I would save myself a huge chunk of much-needed change. But as it sits right now, I can't even get a call back, much less find out anything such as terms. 

Am I being unreasonable to expect that I should be able to know, like any other mortgage ( of which this is not exactly, I understand ), the guidelines for approval? Is this truly allowed in the banking industry, that no criteria need be revealed to the customer when trying to do a partial release?
Consumer complaint received 2016-02-12
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (PA)

Ace cash express is claiming ( by e-mail ) that I requested a loan through them in California. I never did. I have not been to California in years. I do n't want to call them. But I want to see if anybody can go after them for lying and potentially stealing my identity. I have already placed a fraud alert on my account. Here 's the e-mail I am receiving : A cash payment of {$290.00} is due on XXXX/XXXX/2016. 
Visit ACE Cash Express at XXXX XXXX XXXX XXXX to repay your loan. 
If you have any questions please do n't hesitate to call us at XXXX.
Consumer complaint received 2024-01-30
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. (NJ)

It is crucial to acknowledge that I did not provide authorization for these accounts, and their presence is causing me considerable distress. I kindly request that you prioritize this issue, thoroughly investigate the situation, and expeditiously eliminate these unauthorized accounts from my credit report.
Consumer complaint received 2019-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

In regular contact with company at least 4 times by phone. They have extensive notes on their computer of issue with reporting delinquency of XXXX late payment of 30 Days. Was told last week that they would get issue resolved when customer service rep talked to reporting department was told they they no longer honor SCRA protections as of XXXX XXXX. It was the first time I have heard of the change in the previous three times speaking with XXXX XXXX XXXX in XXXX, XXXX, XXXX, and XXXX. Their supervisor was also unaware of change also. See notes under mortgage account of full story. Just notified again that company also reported me being 30 days late in XXXX due to billing statement they sent to my house on XXXX XX/XX/XXXX. That states one amount to pay when really our rate changes to another amount. My wife paid statement amount on billing statement and was told was late only when we physically called company. This company has caused me to look elsewhere for a mortgage company. I have statement to verify XXXX late reporting. See notes for XXXX reporting please under mortgage notes with company.
Consumer complaint received 2018-06-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (LA)

A judgment was filed for a previous debt of {$1400.00} on XX/XX/XXXX. The debt was made by my mother who died on XX/XX/XXXX. The judgment is based on collateral of her home. On XX/XX/XXXX a request for payoff was submitted to XXXX XXXX in order to complete the sale of the home my mother owned. The company was forwarded other requests prior to the XX/XX/XXXX request by the attorneys closing the sale, but got no response. The buyers of the house have suggested backing out of the deal due to the lack of response from XXXX XXXX.
Consumer complaint received 2018-02-08
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: Santander Consumer USA Holdings Inc. (OH)

I had went on XXXX XXXX app to check my credit score, and I had noticed I have 29 hard inquirys on my report. Ive only allowed a couple of those inquirys.
Consumer complaint received 2024-01-30
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. (TX)

These inquires are inaccurate and/or unauthorized. I have called the reporting bureau but I have not received a response as to why they have not been removed yet, nor have they providing proof of these inquires as true. 
The following inquiry errors are : 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 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 XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-09-01
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. (IA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2020-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Bread Financial Holdings, Inc. (OH)

O XXXX of this year, I applied for a credit card with Comenity Bank in particular a XXXX XXXX ' credit card. The 1st reply was my credit file was on freeze. I Thawed out my file and reported it to them. The 2nd reply was that it was to early to re-apply, ask me to file again after 30  days. I did so. The 3rd letter ask fo copies of my Social Security Card,  front and back ; the 2 sides of my Ohio Drivers license ; and a copy of our recent bank statement. WITH THE HIGH RISK OF MY PERSONAL INFO FALLING INTO WRONG HANDS, I SEND THEM WHAT THEY REQUIRED. My last reply from them was, that after all the info they ask for and their resources researched my personal credentials. they said that " THEY COULDN'T VERIFY MY IDENTITY. '' AFTER RECEIVING THIS TROUBLING STATEMENT, .WE SUFFERED SLEEPLESS NIGHTS AND WE EXPERIENCED INTENSE XXXX AND XXXX XXXX AND PAIN. I HAVE 4 OTHER CREDIT CARDS AND HAD NO PROBLEM GETTING THEM. THEIR COMPANY HAS A WIDE VARIETY OF TOOLS TO VERIFY THE VERACITY OF MY INFORMATION AND EASY TO OBTAIN BECAUSE OF THE NATURE OF THEIR BUSINESS.iT ALSO AFFECTED MY CREDIT SCORE AND WILL FOR SOME YEARS. WITH ALL THOSE RESOURCES THEY HAVE. THIS STATEMENT IS FALSE AND MISLEADING. I HAVE XXXX CREDIT PROTECTION AND I CHECKED, THERE WERE NO RED FLAGS ABOUT MY IDENTITY 'S VERACITY. THIS TYPE OF BUSINESS SHOULDN'T BE PRACTICING THESE TACTICS. I THINK THEY SHOULD BE MADE TO PAY A HEAVY FINE. FOR THIS SCARY TACTICS THAT WE HAVE UNDERGONE AND STILL WILL COST US SLEEPLESS NIGHTS AND CONTINUED XXXX AND XXXX   XXXX AND PAIN. THANK YOU FOR YOUR HELP, CFPB..
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required XXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.