davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-11
Product: Credit card — 
Issue: APR or interest rate — 
Company: BARCLAYS BANK DELAWARE (RI)

In XX/XX/XXXX Barclay XXXX offered XXXX service members the luxury card for 0 % interest. I called the company prior to applying and they told me the annual fee of {$990.00} would also be waived. Soon after my card arrived, Barclay sent a letter in the mail stating I would receive the 0 % APR in my billing statement ending XXXX. The letter stated they may end the introductory APR and the penalty APR if I make a late payment ( which I 've never done ). XX/XX/XXXX I received a letter stating they were going to charge my card {$990.00} for the year and my 0 % APR ends when I 'm no longer on XXXX. Barclay customer service has been great and their concierge service is second-to-none. It 's upsetting I have a letter in writing stating I would receive these benefits until XXXX and now are changing the terms. The offer they provided caused me to stop using my other cards and only using the Barclay Gold Card. I did n't expect them to execute a " bait-and-switch '' due to their professionalism which I 've experienced over the last year.
Consumer complaint received 2019-06-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CO)

I opened a savings account with Citibank on XX/XX/2019. I was advised with a {$5000.00} deposit I would receive a {$200.00} credit if I kept a balance minimum of XXXX in the account for 60 days. The {$200.00} credit would be credited after 60 to 90 days of that date. 
My balance never went below XXXX as I deposited XXXX and with that amount would not be charged any service fees. Needless to say they never credited me back the {$200.00} for keeping the minimum balance for the minimum time Citibank had requested the funds be in the account. Citibank has refused to even acknowledge this offer.
Consumer complaint received 2017-03-10
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK (AZ)

I have been receiving mails from the Discover directly addressed to me with attractive introductory offers like 0 % APR for 14 months on purchases and balance transfers and it had a special invitation number for availing this offer. The expirstion date for availing this offer was mentioned as XX/XX/2017. It was also mentioned that it is a prescreened offer based on my credit report indicating that I meet certain criteria. 

On seeing all these wonderful false promises from Discover, I filed an application with Discover for a new card. And I got approved for the card but to my horror, none of the offers were applied to my account. I called the company to clarify the issue and even provided the invitation number that was in the mail. But they declined to provide me any offers and did not give me a valid reason for declining these. They only mentioned that the offers are based on credit and refused to provide further information. 

The only reason that I applied for this card was to avail the offers they had mentioned in the mail and it is very misleading. Either they should not be sending mails promising these offers or they must keep up the promise. I feel that they use these fake offers to attract customers and once they open the account, no offers are applied to the account and at this point the customer can not close the account as it would negatively impact my credit score. 
I feel that I am being tricked into applying a discover card and I now regret for having applied since the customer service is really poor. 

I would like to demand an explanation on why those letters are sent specifically to me and why I was denied these offers later. How did you get my information in the first place for sending those info and what did you mean by prescreened offers? What is the reason for making these false promises of you are not going to provide them in reality? I am sure that I am not the first victim and but I wish to be the last.
Consumer complaint received 2017-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX ran my credit through several of their bankers without my authorization and a firm rejection of their financial services ; I walked in their facility with my own financing in hand. Their finance manager XXXX XXXX was rude and unprofessional in his verbiage and manners with me. Further I see just how unprofessional he really is. I am certain there is some recourse for this having over 4 creditors that are unrecognizable too me, and did not have my authorization to use what information was given during the normal course of business when purchasing a vehicle : they took that information and use it in anyway they wanted too!
Now I have a number of ( more than 3 ) rejections on my history for two years! 
I did not initiate the loan or finance hunt with them because I went thru my own Bank -XXXX .
Consumer complaint received 2021-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Paypal Holdings, Inc (AL)

There is a PayPal credit card in my name that I never applied for I got a prepaid card that's it but when I call about it it gives me a different card I don't have and also they say its XXXX
Consumer complaint received 2017-04-12
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO. (NJ)

I am submitting another complaint on Ford Credit for a number of issues again, in which my previous complaint was not answered correctly or accurately by Ford Credit, and thus I assume that Ford Motor Company would want to investigate the person who handled my previous complaint to see if they way I have been treated was not as a customer but as I can tell and others can as a person who is less than a human being, so in that regard perhaps a jury of my peers would agree with me that Ford does not care about customers whether they are former military members or not, not addressing individual 's complaints. My complaint before did not answer my own issues, and put in infomation correct, however, that may serve well in a future legal action as this account is still in dispute. 

My complaint today is Ford Credit still has not sent by mail, as I was told by the Redemption Department Supervisor that Ford Credit 's policy is not to allow me access to any of the document unless I " subpoena '' the documents which by my estimation is incorrect as I am not an authority of government, I merely asking by the law and common decency for myself to verify the loan documents and repossession which to date, Ford Credit has refused to provide over the phone, and perhaps in the phone recordings they can hear me ask for those documents or ask the individuals who gave me that information which I believe to be false, and I believe Ford Credit should change that policy if it exists as I anticipate it is against the law to not provide me copies of documents that are mine, they do not seem to create any issue I can anticipate that would hurt myself or others, perhaps it hurts Ford Credit potential case against me though, which is something a jury would have to decide is a valid way to settle a dispute with a customer, simply by ignoring customer requests with inaccurate and false information. 

Also, the New Jersey Division of Motor Vehicles is asking where the XXXX is and has threatened criminal action against me with a jail sentence, so while Ford Credit and myself are in dispute, will Ford Credit answer whether or not I deserve a jail sentence for Ford Credit 's negligence in simply mailing me the correct documents that my freedom is not taken away because Ford Credit simple did not provide me with documents. Also, I am disappointed Ford Credit did n't inform New Jersey the XXXX is possessed by them so that I do not face anymore adverse action than I already have, but perhaps Ford Motor Company does n't care about it 's subsidiaries Ford Credit and XXXX Ford just not caring about customers or the law.
Consumer complaint received 2017-07-20
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

On XXXX XXXX, 2017, I received a letter from XXXX XXXX XXXX XXXX. The letter informed me that the request for loan discharge " has been approved. '' It further explained what this decision meant to me, which was " This discharge releases you of any financial obligations on the loan. '' After reviewing my credit report on XXXX XXXX 2017, I noticed that my credit report did not reflect accurate information regarding XXXX XXXX XXXX XXXX. Due to the fact the information was incorrect based on the letter received. On XXXX XXXX, 2017 I initiated an online dispute with XXXX. XXXX XXXX, 2017 I received notice that the investigation for my dispute was completed XXXX XXXX, 2017. I contacted XXXX concerning dispute, requesting for the account to be removed from my credit report. The investigation took longer than 30 days to resolve ; however XXXX refused to comply with the FCRA compliance. This action has affected me in a negative way
Consumer complaint received 2023-04-17
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: CLGF Holdco 1, LLC (MD)

Destiny XXXX ( Genesis FS Card Services ) has been sending bills for a card I never opened. The initial charge on the bill appears to be a processing fee for opening the account - bill amount with fees now {$87.00}. I searched the web and this scam appears to be common. I called to ask them to close the account and they claim that they are reporting it to their fraud department. I have my doubts. I do not want non-payment on this account to affect my credit score.
Consumer complaint received 2023-04-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP (NV)

I saw a promotion to receive {$500.00} after opening a US Bank Business checking account by XX/XX/. The promotion states I must deposit {$3000.00} within 30 days of account opening in order to receive the promotion. 

I went to my local US Bank branch XXXX XXXX XXXX and opened a XXXX XXXX XXXX account with an opening cash deposit of {$100.00}. The account was opened, I received login but the bank to bank transfers on their online portal was XXXX. I was sent an email by US Bank to make a deposit to activate the account by emailing XXXX with the deposit form which included XXXX and Routing info or to mail it to their po box XXXX I emailed the form on XX/XX/XXXX. On XX/XX/XXXX I received an email back stating the routing number was incorrect ( I left off a digit ). I corrected the form, emailed back XX/XX/XXXX and am still waiting till this day ( XX/XX/XXXX ). I emailed again today. 

I believe they are intentionally delaying responding so that they go past the 30day window so that they won't have to pay out the {$500.00} signup bonus. I see this as a form of fraud to get new deposits by using advertising one thing but not following through or purposely making it impossible to get by no fault of my own. 

I believe after the 30 day window passes, they will likely accept my {$3000.00} deposit and will try and get customers like me to keep it there for 60days and then fail to pay out the {$500.00} because the money was not deposited within 30day. 

Can you please investigate this?
Consumer complaint received 2022-09-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo stated I can not obtain the COVID modification due to the deceased being on the title and the inability to clear the title. 
please see supporting document the deceased is not on the recorded mortgage. 
Please help me save my home. I have been paying each month and just would like to move forward from this year long situation.
Consumer complaint received 2022-09-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act, XXXX XXXX, bearing Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes.
Consumer complaint received 2022-08-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: OPORTUN FINANCIAL CORPORATION (CA)

On the dates listed below, my representation submitted debt verification letters to Oportun/Progreso Finance . When Oportun/Progreso Finance attempts to verify the debt, they never submit proof with dates or amounts owed. They only submit a letter that falsely states there is proof in the same envelope, but there is always none. 

Per the Fair Debt Collection Practices Act ( FDCPA ), debt must be validated and verified within 30 days, this has not occurred and it is impacting my credit history negatively. 

Account Number listed on credit report : XXXX Name : XXXX XXXX XX/XX/XXXX XX/XX/XXXX -Debt Verification letter submitted XXXX Debt Verification letter submitted XXXX Debt Verification letter submitted XXXX Debt Verification letter submitted XXXX Debt Verification letter submitted
Consumer complaint received 2017-04-20
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: CITIBANK, N.A. (NJ)

They continue to call my work after I asked them not to. They are rude and said it was a claim against my social security #. Then the next day it was a recording with my name on it. And today they spoke to someone at my work asking for verification of my employment and the fax #. Then they said they will send someone over there to hand deliver. I already spoke to them and told them I do n't have {$9800.00} to pay them and to send anything to my home address.
Consumer complaint received 2016-08-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CA)

We have a bankruptcy on our credit report that was filed in US Bankruptcy Court in XXXX, CA in XXXX. Experian Credit Bureau is not reporting the bankruptcy correctly and despite our request for proof of validation that they are reporting correctly, they are ignoring our request. All we get back from them is that they have validated the bankruptcy with the court and it is correct. Experian is refusing to follow the Fair Credit Reporting Act and the rules set forth by this act where they have to provide proof to us on how and when the reported bankruptcy was validated and who at the US Bankruptcy Court validated that the information is correct. I have done a lot of research and know it 's my right as a consumer to have this provided to me : " Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and 52 611 - 15 U.S.C. 1681i ( ii ) promptly notify the furnisher of that information that the information has been deleted from the file of the consumer. '' Since the US Bankruptcy Court do not validate or give out any information to Credit Bureaus, they are continuing to give us incorrect information when they state they validated with the court. We have attempted since XXXX XXXX, XXXX to have this matter corrected or deleted by Experian and they continue to deny and continue to report the information incorrectly. This is hurting our credit worthiness. All we have asked Experian to do is to be truthful and provide us with their validation, or if they ca n't provide validation, please remove the incorrectly reported bankruptcy.
Consumer complaint received 2016-09-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Southwest Credit Systems, L.P. (NJ)

I am disputing account number XXXX with Southwest Credit System because I have sent several dispute letters to the credit bureaus and it comes back verified every single time. I have contacted Southwest Credit System to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act.
Consumer complaint received 2017-02-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have an issue with how Transunion determines my score and what information they show on the report I purchase. I pay for a monthly service and check my score to make sure it is trending positivly. I have called Transunion on two different occassions because it states on my report I have XXXX deliquinant account. But no one can tell me what that is and the report reflects all accounts as current and have been so. When I try to determine why there is such a large swing in my score, from XXXX to XXXX and the only thing that has changed is they updated an address for me. And one that had changed over 6 months ago but they are just now getting around to updating it. The address change they show for XXXX XXXX was my address for the past two years prior to XXXX XXXX. How they report information directly impacts me. Yes, I had issues relating to a seperation in XXXX but I have worked very hard to repair those items. XXXX, XXXX, and XXXX I have paid accounts off, balances down, all positive steps. However, I do not understand why them lagging in reporting accurate information impacts me so negatively. Just because they report an address change within two months, does not mean I moved twice in two months. If credit reports are going to be considered for potential job opportunities, insurance, and credit worthiness, there must be accountability for those who are tasked with those determinations. It should not be so hard to try to correct issues with their reporting when a person does not have control over how they obtain the information or when.
Consumer complaint received 2022-08-10
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: Experian Information Solutions Inc. (NV)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these account ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2023-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history.
Consumer complaint received 2023-04-17
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. (OH)

I have had some issues with someone accessing my credit file and using my personal information and at this time I would like to request a credit freeze/ Block all access to my file and contact me directly at my phone XXXX or email me at XXXX. I need a PIN for all my credit reports asap transunion XXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX PINNACLE LLC/RESURGENT XXXX XXXX XXXX, XXXX, SC XXXX XXXX : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim I owe {$1200.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.