davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-14
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: BARCLAYS BANK DELAWARE (CT)

I received a promotional offer flyer while on an XXXX XXXX flight during XXXX of 2022. This flyer pertained to the Barclay 's AAdvantage Aviator Red World Elite Mastercard with a unique promotional code inside that was advertised for a {$0.00} first year annual fee. 

I signed up for Barclay 's AAdvantage credit card using this promotional code but was still charged a {$99.00} annual fee. When I brought this up to the company I was told they would not be able to honor my promotional terms because the code was not correctly used. The language below is a quote from their support team. 

" We understand your concern and apologize. The offer will vary slight according to each application channel. Cardholder have to applying using the correct code or they will not receive the correct offer. We apologize for the confusion, and hope that we've been able to clarify the situation. 

We are unable to change the original offer that you were approved for due to Federal regulations that state we can not change the terms of our customer accounts within the first 12 months of account opening '' However, I can confirm that I did use the promotional code and still have kept my promotional flyer to this day.
Consumer complaint received 2022-10-14
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: EQUIFAX, INC. (MO)

THIS IS INFURIATING! For the past 6 months, I have been disputing for the correction of my Credit File by removing the fraudulent accounts and information from my Credit File. I was a victim of identity theft and the disputed accounts and information were the results of such crime. I have also been submitting multiple dispute letters and CFPB complaints addressed to the Credit Reporting Agencies and yet all of these have been ignored. Under the Fair Credit Reporting Act section 605b, the Credit reporting Agencies are required to remove the disputed accounts and information immediately removed from my Credit File. However, no matter what I do, whatever I try to do, the Credit reporting Agencies have been ignorant and indifference with my Credit File. Once again, I am submitting yet another CFPB complaint to request to the Credit Bureaus to immediately remove the disputed accounts and information completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance Owed : {$5900.00} XXXX XXXX Balance Owed ; {$4400.00XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX. We are halfway through to file a lawsuit with the Credit Bureaus and I believe we are ready anytime to submit this lawsuit the moment the Credit Bureaus do not remove the disputed items.
Consumer complaint received 2022-10-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NY)

Starting on XX/XX/XXXX through XX/XX/XXXX there were 18 charges on my Citibank account from XXXX which were unauthorized. Based on my conversation with the Citibank Fraud Dept. I was advised that my XXXX XXXX account had been hacked. 

I was credited the full amount, but then received several letters from Citibank advising that " '' Your claim was researched, however, there was insufficient information to conclude that the above transaction was unauthorized ''. 

These charges were fraudulent and Citibank is refusing to assist in this matter so that I may be credited the almost {$700.00} in fraudulent charges.
Consumer complaint received 2022-10-14
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: Experian Information Solutions Inc. (MA)

Experian did not solve my disputes.I have not received correspondence from Experian in regards to current disputes. There are XXXX items disputed on my Experian report and they were not address by Experian. Per FCRA if after 30 days the incomplete and/or incorrect items disputed can not be corrected or completed it must be deleted. Experian continuously ignores my disputed and just claims that things were verified in previously disputes. It seems to me as if the investigation is not really being done and the answers are very robotic which leads me to believe that a real human didn't take a look at it and do a real investigation and use real judgement and apply FCRA laws to the process in order for XXXX to be in compliance. At this point Experian is in direct violation on multiple accounts according to FCRA.
Consumer complaint received 2022-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST NATIONAL BANK OF OMAHA (MA)

On XX/XX/XXXX my XXXX credit card with XXXX XXXX XXXX was transferred to First National Bank of Omaha. As recommended, I set up an online account with XXXX. I noticed that a payment I had made to XXXX XXXX XXXX on XX/XX/XXXX was not reflected in my balance with XXXX  ; according to the new online account I needed to pay that amount to XXXX on XX/XX/XXXX. I called XXXX on XX/XX/XXXX and a rep told me to fax proof of the payment to XXXX but didn't provide details about how to ensure XXXX knew why I was sending this information. On XX/XX/XXXX I called XXXX  XXXX XXXX and was told that the payment was " pending '' though it had been taken out of my checking account and it would probably post in a couple of days and would then show up on the XXXX account. I decided to wait and check the XXXX account every day ( I no longer had access to the XXXX  XXXX XXXX account ). 
But now I could not log into the XXXX account because the required two-factor authentication did not work ( I entered the code emailed to me but nothing happened ). I called XXXX on XX/XX/XXXX and was automatically directed to " fraud prevention '' and was told I needed to be " verified '' with a voice code sent to my phone number. I have since learned that neither my XXXX XXXX number nor my cellphone number is acceptable to XXXX, so this verification has failed. The only way I can be " verified '' to to either fax notarized ID documents to XXXX or go to my bank and have a bank officer call XXXX in my presence and verify that I'm who I say I am. I can not get anything notarized without an in-person visit. I can't do that, or go to a bank, because I am recovering from XXXX and still testing positive, besides being sick. 
I have made several calls to XXXX and told them that and they won't change these requirements. The only thing I can do without being " verified '' is pay them. 
So, within a day of XXXX taking over my XXXX credit card account I have no online access ( and the rep told me I couldn't get any information over the phone, either ). Plus I can't ask for technical support to clear up the log-in problems without being verified. 
I have no way to find out, before the due date, whether the mistake in my account has been corrected. The fact that XXXX will not accept my phone numbers as a means of verification means that I could be in this limbo forever. I also have no idea whether the log-in problem can be corrected. Even if I manage to get " verified '' this time because I test negative in a few days and can get to a bank or have documents notarized this could occur every time there's a problem because the bank doesn't accept my phone numbers. 
I can't even close my account without being verified ; the bank could do it but that would be a black mark on my credit. 
This kind of fraud prevention amounts to denying me credit.
Consumer complaint received 2022-10-14
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: EQUIFAX, INC. (GA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
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 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 XXXX XXXX
Consumer complaint received 2022-10-14
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. (CA)

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 am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated the accuracy and verification of the information. I reached out to the bank and they told me they would remove the late dates from the account. I keep my own accounting records for payments, and the one you have does not line up with what I have. I ask that this account be thoroughly investigated and updated for proper and legal accuracy. Please fix the account : XXXX XXXX
Consumer complaint received 2022-12-16
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. (FL)

Had a XXXX XXXX XXXX XXXX and it was a voluntary repo with XXXX XXXX and they are reporting the account incorrectly and it was sold via auction. Reached out to company I no longer owe balance and report correctly but they will not respond.
Consumer complaint received 2022-10-14
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: NVR INC. (MD)

I put a contract on a newly construction around XX/XX/2022 for a townhouse with XXXX home. I was assigned to a loan officer named XXXX XXXX who worked for NVR Mortgage. I wanted to apply for the USDA program in which XXXX XXXX didnt recommend. He stated that I would enter into a mortgage upside down which was confusing to me. During the whole 6 months process XXXX XXXX sent me on a wild goose chase, had me so confused to the point my realtor and I complained several times seeking to use a different lender but was told that I had to use XXXX XXXX. My main complaint is XXXX XXXX insisted that I had to purchase a car under XXXX from the money I used for the down payment to prove that I had transportation in order to get to and from work. XXXX transferred the money I gave them in The beginning back into my bank account. On XXXX XXXX at XXXX XXXX XXXX told me to start looking for a car. I was rushed and was given until the end of their business day to find a car get to my bank to get a cashiers check, and submit the the proof to XXXX. The day after I purchased the car I received a call from XXXX XXXX that he did a soft pull and saw that my credit score dropped XXXX points and I could not get the USDA loan. This whole process caused me to have XXXX and XXXX, which ended me in a XXXX XXXX XXXX. Thus whole situation put me in an extremely bad financial burden, I believe this was discriminatory. And because I was rushed to buy a car before the end of NVR business hours I ended up with a car that had lot of issues to which I had to put more money that I didnt have into. I had to start another loan process all over again with another lender with a FHA program, higher interest rate and higher mortgage payment. This was the worst experience that I ever had to endure in my entire life. NVR Mortgage showed no concern nor did I receive an apology or phone call from them. I worked long and hard hours hoping to get my dream home. I did everything I was told to do by NVR Mortgage I feel disappointed and felt this was a racist behavior and something needs to be done.
Consumer complaint received 2024-10-22
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (NJ)

My Chase credit card limit was reduced from {$12000.00} to {$2100.00} on XX/XX/XXXX for XXXX credit card ( XXXX ) that I have had since XXXX with that credit limit. I have had the same credit limit since that time and have consistently either paid over the requested payment amount or paid it in full. There was no reason my credit limit was reduced and I was not notified by mail, only on the " notices and letters '' function on my online account ( which was not readily seen ) with no other email alert or any indication that this was occurring or that I had a right to have the action occur in advance and that I had a right to an appeal. The only way I found out was when I used the card on XX/XX/XXXX for a rental car while on vacation and was told it was declined when I only had a balance of {$1700.00} on the card- well under my {$12000.00} credit limit! I was stunned, embarrassed and confused as to why this had occurred. I contacted Chase and was told that it could be any of these reasons : they looked at my other accounts where I had outstanding credit balances and my credit usage was high ( none of their business! ) since this was an existing card- not a new application for a card and a history of low payments relative to balances -Completely false, and untrue in fact the opposite is true. I also noticed that another Chase card limit ( XXXX ) was reduced on XX/XX/XXXX from {$44000.00} to {$40000.00} that I have had since XXXX and also paid {$500.00} per month ( more than the minimum payment ) and recently paid {$20000.00}. I have just paid the other card in full as I don't want any further business with Chase as their practices are unethical, and abhorrent. They must be having difficulties in their business to begin treating their customers in this shady manner.
Consumer complaint received 2022-10-14
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud. 

Fraudulent inquiry XXXX XX/XX/XXXX XXXX XXXX lending account
Consumer complaint received 2022-10-14
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: Experian Information Solutions 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 am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated the accuracy and verification of the information. I have talked with their staff and they told me they would remove the late payment posted on my account. I keep my own accounting records for payments, and the one you have does not line up with what I have. I ask that this account be thoroughly investigated and updated for proper and legal accuracy. Please fix the account : XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2022-10-14
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: EQUIFAX, INC. (FL)

Id theft victim These accounts are not mine XXXXXXXX XXXX balance {$21000.00} XXXX XXXX XXXX  {$21000.00} XXXXXXXX XXXX balance {$620.00} XXXX number XXXX ( i have my own card ) XXXX ( authorized user ) Not my account XXXXXXXX XXXX balance {$3800.00} ( i Have never paid late ) XXXX XXXX Never paid late DEPT OF EDXXXX XXXX This is in deferment till XXXX Never paid late DEPT OF EDXXXX {$37000.00} this account is in deferment till XXXX never paid late
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TN)

In XXXX, I wrote to each of the bureaus and asked them either verify the personal information being reported or delete it. I have a generational name and do not want my reports mixed or merged with a family member with a similar name. These inaccuracies are preventing me from receiving credit approvals.
Consumer complaint received 2022-12-16
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. (FL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-03-02
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have written two letter to XXXX and Transunion about my public record ( Bankruptcy ). 
I written letter for the month of XXXX and XXXX. In those letters I also included UCC laws and paper work from the courts stating the do not report to agencies. Both of them said in their investigation that they talk to the company and the information was accurate.That is a false statement. They could not talk to no one from the court system, because they do not have a furnishier to report to credit bureau. The do not report to credit bureau or any other agency. I call numerous occasion to please give me the accurate information or mail it to me. I have not receive to this date of XXXX XXXX XXXX. Other times they have hung the phone up on me. For all of these reason I wish to file a complaint, have the public record remove from both of my reports immediately.
Consumer complaint received 2022-10-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 XXXX and TransUnion to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-10-14
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: CITIBANK, N.A. (AL)

In accordance with Fair Credit Reporting Act, the following companies have violated my rights : XXXX XXXX Dept of EducationXXXX XXXXXXXX XXXX XXXXXXXX 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as a late payment for any purpose.
Consumer complaint received 2022-09-27
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. (NY)

I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any account not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This complaint is to notify you if you do not BLOCK OR REMOVE the listed account on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX T XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}