davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-13
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I appreciate your time to correct some of the misleading information previously reported on my credit file. Right now I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the remaining account needs proper action to assure maximum possible accuracy on my credit file. For that reason, I am asking for another investigation of the account below. 

XXXX XXXX XXXXXXXX XXXX Date Opened:XXXX Balance : $ XXXX Late Dates XXXX
Consumer complaint received 2020-05-01
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 (NV)

On XX/XX/XXXX I applied for an American Express Platinum card. After my card was received in the mail, I called to activate it once I received the card in the mail on XX/XX/XXXX, and when I called, I asked if the {$550.00} annual fee was still waived for XXXX XXXX military members and opened it under an XXXX XXXX account. I was told by the employee that yes, the fee is still waived, and that if it wasnt waived by the time the fee was due, then it would later be reimbursed as credit to my account. I have since been in contact with them 10+ times about getting this resolved and have gotten everything from unnecessary transfers to we have never done this even though I know dozens of other military members who have taken advantage of this. Just today, I called again and had them review the phone call where they told me it would be reimbursed, and after that, they told me all they could do was apologize for the miscommunication. 

American Express stole almost 3 months of my take home pay by charging me for this, and I never would have signed up/paid the fee without canceling if they hadnt advertised to me on the phone that they would waive/reimburse the fee. I was informed today that two days before opening my account with them, the policy was changed, yet weeks later, I was still told over the phone that it would be reimbursed. I asked for clarification because I expected to be told the truth, not lied to so that they could capitalize at my expense.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Comerica (NC)

My Social Security check was deposited with Direct XXXX  express l have called many times and they tell me that they can not help with my account l have contacted Social Security and stopped any more checks going into Direct XXXX .l sent them a verification Benefit.letter with my new address..They are holding my XXXX.check.l am my own payee and can not understand why they will not send me a new express card..l am XXXX yr.old and l need my check.Hope you will be able to help me.
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

Contacted XXXX XXXX Account & arrangement a settlement agreement. Settlement was paid to a {$0.00} balance XXXX. Account stated they will correct the information on all 3 credit bureaus and did not. Instead it still shows a past due balance which is inaccurate information.
Consumer complaint received 2021-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (CA)

I am a customer with Simple Bank, they are transitioning to XXXX on XX/XX/XXXX On XX/XX/2021 they ( Simple ) withdrew {$8600.00} from my account. Without my knowledge or consent. I only found out when I used my card in the supermarket and it did not work. 
They left me with {$10.00} in my account to buy food and gas. 

After daily calls and messages to customer service, I eventually found out they were doing an investigation into my account. They could not give me a reason why as to why. 

Then a few days later I got a message they were closing my account, they only said this is confidential and all funds are frozen, until my account is closed and then they would send me a check for the funds in my account. No mention of the previous money they withdrew. 

After more calls and messages, they still can not confirm that what is happening. 

So as it stands now, on XX/XX/XXXX I have {$460.00} in account, which they acknowledge will be returned {$8600.00} withdrew and they can not confirm its return Surely this can not be Legal? 
I`m absolutely disgusted with their behavior over this. 
I can't get a straight answer from them for anything they have done. 
Customer Service even hung up on me! 
Its caused me a lot of stress and anxiety, Ive had to borrow money from family to get by Its NOT right and it needs to be reported and they need to be held accountable for their actions
Consumer complaint received 2022-09-14
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

This is my official Notice of Dispute. I am a federally protected consumer and I am concerned that this account may be a direct violation of my rights to privacy by violating the fair credit reporting act, Gramm Leach Bliley Act. According to 15 usc 1681a ( d ) ( 2 ) ( A ) ( i ) information relating to transactions and experiences are excluded from consumer reports, according to 15 usc 1681s-3 ( a ) ( 1 ) ( B ) consumers should be allowed to prohibit solicitation in regards to marketing and the sharing of such information. I, the consumer have never received an option to prohibit Portfolio Recov Associates and its affiliates solicitations and never gave any direct consent to solicit any consumer reports.
Consumer complaint received 2018-07-05
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. (CA)

There is a collection account ( XXXX XXXX ) on my Experian credit report that is the result of a credit card I did not open. 

I've asked Experian to remove this account in the past. 

As the official removal date is XX/XX/2019, I am asking for an early removal of the XXXX XXXX account, taking into consideration my earlier disputes about the account and the proximity to the XX/XX/2019 date. Many thanks.
Consumer complaint received 2018-07-05
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. (AL)

I have several times disputed an account that i noticed at the start of XX/XX/XXXX, when i first began to check my credit report. There was an unknown collections from a company called XXXX that had a medical bill from XX/XX/XXXX I had no knowledge of a collection or even a bill, so I disputed it with all 3 credit bureaus. They would not remove it. Finally I was able to find the original creditor and contacted them. Apparently they made a mistake in billing department when the bill was sent to insurance which caused them to deny it, I was then never notified of any bill nor sent an actual bill, instead it went to collections and remained on my credit report since XX/XX/XXXX. I have been sent a letter from XXXX ( collection agency ) that the account and collection has been closed. I would greatly appreciate if you could assist me in having transunion, XXXX, and XXXX remove this from my report as soon as possible.
Consumer complaint received 2022-09-13
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 — Their investigation did not fix an error on your report
Company: Santander Consumer USA Holdings Inc. (TX)

Please provide documentation that the account SANTANDER XXXX with a Balance Owed : {$0.00} belongs on my credit report and that my rights have not been abrogated. Otherwise please delete this damaging data immediately. This account is reported in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Please provide proof of the last payment. Otherwise, remove the account abruptly.
Consumer complaint received 2020-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX IS VIOLATING THE LAW BUY PRE REPORTING ACCOUNTS BEFIORE THE DUE DATE, AND INACCURATELY REPORTING MY CLOSED ACCOUNT 30 DAYS LATE PREMATURLY. THEY REPORTED I HAVE 11 LATE PAYMENT WHICH IS NOT TRUE.
Consumer complaint received 2020-07-21
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. (CA)

XXXX XXXX XXXX XXXX IS VIOLATING THE LAW BUY PRE REPORTING ACCOUNTS BEFIORE THE DUE DATE, AND INACCURATELY REPORTING MY CLOSED ACCOUNT 30 DAYS LATE PREMATURLY. THEY REPORTED I HAVE 11 LATE PAYMENT WHICH IS NOT TRUE.
Consumer complaint received 2022-09-14
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (CA)

I had a loan through LOANCARE. I refinanced my loan to get a better rate with XXXX. My loan financed on XX/XX/2021. XXXX asked for two payoffs on XXXX and XXXX of XXXX. They never received a response. LOANCARE says it was paid off on XX/XX/2021. Now they have put a 30 day delinquency on my credit report. I am now trying to get a XXXX loan and can't because of this. If I would not have tried to get this loan I would have never known and my credit would have kept going down. No one ever called me and told me that I was 30 days late. This mistake is killing my credit. LOANCARE has bad customer service and they don't care if your credit is ruined. XXXX is the worst escalation agent ever no help at all. STAY AWAY FROM LOANCARE!!!!!!
Consumer complaint received 2020-05-01
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. (VA)

XXXX XXXX XXXX XXXX Transunion should not be reporting a chargeoff in the amount of {$6200.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had GAP insurance with XXXX XXXX and this balance was paid in full and therefore there is nothing to collect. I have attached a copy of the GAP insurance documents for reference. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2018-07-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (MI)

I purchased Lite Coins for XXXX $ from Coinbase on XX/XX/2018, and since I maintain a XXXX credit card balance, I immediately paid off my credit card balance. The company appeared to have some glitch due to which they reversed or attempted to reverse recent transactions. But since my credit card was at XXXX balace their XXXX $ reversal did not go through. They did not realize this and in trying to rectify their error, they charged my card XXXX . I tried to work with their customer service for several months with no result. Eventually, in the month of XX/XX/XXXX, I disputed the amount with my CC company and they validated my disputed and cleared it for me. What Coinbase did now was they cancelled the purchase of my Lite Coins on XX/XX/2018 and took them away which is so wrong. I have been trying to reach their customer service, facebook, twitter but no luck anywhere. They just do not respond. I am so tired of their extremely poor customer service and just want my coins back and I hope to get help from here. Thank you very much!
Consumer complaint received 2022-09-14
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)

XXXX and XXXX are 2 accounts that are negative and not opened by me. The credit reporting agency, Equifax and XXXX, both stated it was verified. I submitted a letter requesting that the verification be done again and not by computer verification. This letter was received by them on XX/XX/XXXX. They did not respond and now when calling they do not acknowledge receipt and refuse to remove those accounts.
Consumer complaint received 2018-07-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (GA)

I bought concert tickets for {$360.00} using chase quick pay and XXXX, it was a scam but neither Chase or XXXX will give me any refund or do anything about it to prevent this person from continuing to do this.
Consumer complaint received 2018-07-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (NJ)

The problem is that PNCBANK has unilaterally changed the monthly principal and interest amount due on this home equity installment loan. I closed on this loan on XX/XX/XXXX. PNC prepared a Closing Disclosure Form, which is a statement of final loan terms and closing costs. In the section titled Loan Terms, the monthly principal and interest due is {$470.00}. This is a fixed amount. I recently received an Account Statement for period ending XX/XX/XXXX, which identifies the next payment amount due by XX/XX/XXXX. The amount has changed to {$410.00}. I called customer service on XX/XX/XXXX and they could not provide an answer why the amount changed from {$470.00} to {$410.00}. I have 2 concerns, 1 ) What right does PNC have to change the loan terms on an existing loan? 2 ) If I pay the {$410.00} and not the {$470.00} will it affect my credit score? In effect I would be paying an amount lower than that identified within the Final Loan Terms.
Consumer complaint received 2018-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Approximate on XX/XX/XXXX, I did an online inquiry with Transunion concerning my credit report. As of today, XX/XX/2018, I have not receive an answer. It has been over 30 days ( business and calendar ). My case number is XXXX. 

Also, I was charge for a monitoring program on XX/XX/2018, ( XXXX ) that I ask them to stop it in XX/XX/XXXX. I would like for them to look into that situation and verify has that been done..
Consumer complaint received 2024-05-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capital One has cheated me every time I've used their limited cash back as account credit promotions. The most recent event was for a purchase made XX/XX/XXXX from shopping partner XXXX XXXX. 
They also tried to get away with not honoring similar promotions on purchases ( XXXX XXXX  ) made XX/XX/XXXX and on XX/XX/XXXX with a purchase from XXXX XXXX XXXX  XXXX. 

It is clear to me that this pattern of cheating customers is repeatable and predictable to the point where I now take many many screen shots and mark a future date in my calendar to call them back ( after 3 statement cycles ) when the cash back does not post on my account.

Over the years the customer service reps. have become less helpful, telling me on several occasions that the merchant only allows certain items, or trying to fault me for not meeting the requirements, even when I can demonstrate with screen shots that I did everything properly.

Clearly the executives who design and implement this program are aware that is fraudulent and they have worked with others inside and outside the company to make sure that they only pay out to stubborn customers who refuse to give up. In the latest experience the supervisor did not even bother to apologize. I am expected to write and print a letter, put it in an envelope and pay for postage to send my complaint to Corporate, where I can expect ( at most ) a form-letter reply at some distant future date. Here are my notes : XX/XX/XXXX cheat me phone notes phone call start : XXXX phone call end : XXXX XX/XX/XXXX 11 % cash back as statement credit offer After 20 minutes XXXX ID XXXX XXXX tells me I will be receiving a $??.?? credit in 7 to 19 business days on my account. 

XXXX transferred me to the wrong dept. before I got this XXXX who did not understand what a dashboard is, until he read me another long paragraph which used the word dashboard. 

Every time I use one of these 10 % cash back offers they cheat me. Holding now to speak with supervisor. XXXX can not issue a credit to me for frustration. I ask her for the corporate address to pursue this further. It is Capital One XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Include the last 4 digits of my credit card in body of letter.
Consumer complaint received 2020-08-24
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: CL Holdings LLC (FL)

Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. 
Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit
Consumer complaint received 2020-05-01
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (OK)

I purchased an item from XXXX on XXXX in the amount of XXXX Order # XXXX, this purchase was supposed to be made under there 12 month no interest promotional finance plan. The bank however has placed the purchase under a 6 month promotional finance plan. 

I know for a fact that i selected the extended finance option because my wife originally did the order and i asked her if she did, she said that she didn't remember so i went in and canceled the first order and then did a second one and made sure i selected the extended no interest plan. 

I have attached an image of there website that outlines the purcahse amounts required for each plan. 

I also attached a screen shot through online access of commeity bank the current promotional plan they have me under. 

I also attached the order history from XXXX showing the first canceled order and the subsequent second order. 

I also have attached my correspondences with commeity as i have tried to resolve this issue
Consumer complaint received 2017-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN EXPRESS COMPANY (CA)

American Express fraudulently, knowingly after many, many complaints from   XXXX   XXXX   XXXX  . American Express intentionally located an old American Express that was included in a Bankruptcy   XXXX   implying that it has been active since  XXXX .