davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-04
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: PENTAGON FEDERAL CREDIT UNION (TX)

Pen Fed offered a promotion for {$150.00} if you accepted paperless statements.

The offer is below.

I tried to get them to honor, but wasn't able to. 

XXXX XXXX Last chance to celebrate the season with an extra {$150.00} when you sign up for monthly recurring electronic payments on your credit card account and enroll in paperless statements.

HOW TO QUALIFY Log into your PenFed Online account and follow these two easy steps : 1. Set up Monthly Auto Pay Select " Make Payment '', set your payment preferences, then update " Frequency '' to " Monthly Auto Pay ''.

2. Enroll in paperless statements Select " Delivery Preferences '' under " Statements & Documents '' and update your credit card statement delivery to " Electronic ''. 

Your {$150.00} statement credit will appear on your XX/XX/XXXX statement. 

Dont wait! This exclusive member offer is only good until XX/XX/XXXX! 


Download the PenFed App Get it on XXXX XXXX  Download on the App Store Follow PenFed on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as web page DISCLOSURES 1. No purchase necessary. In order to receive the {$150.00} credit to your statement, you must complete both requirements during the promotional period ending XX/XX/XXXX for your account ending in XXXX : ( 1 ) sign up for automatic payments and ( 2 ) enroll in paperless statements. If earned, the statement credit will be applied to your account within two billing cycles of the offer end date. In order to qualify, your account must remain open, be in good standing, and not become delinquent. Statement credit can not be used to satisfy the required monthly payment on your credit card account and may not be redeemed for cash or cash equivalent. This offer is non-transferrable. Limit one statement credit per cardholder. Offer ends XX/XX/XXXX. 

Questions or comments? Contact us. 

This email has been sent to : XXXX. To change your email address, please log on at PenFed.org. This will ensure your official records are updated.
Consumer complaint received 2020-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (PA)

On XX/XX/XXXX, I received an email from Citibank stating they reduced my credit line from {$8400.00} to to {$7800.00}. In XX/XX/XXXX Citibank made a decision to reduce my credit line from {$9400.00} to {$8400.00}. This credit card company reduced by credit line twice during the Covid Pandemic. I'm not in default with this company and have a good pay history with them going back 3 years. Every time they reduce my credit limit it hurts my credit score. I feel this business practice is very aggressive and in response to market conditions and not my ability to pay or my credit rating. I never requested a deferment during the pandemic, I continued to pay and pay ahead. This is unfair business practice.
Consumer complaint received 2024-10-16
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Moore Legal Group, LLC (NJ)

I signed up two years ago with XXXX XXXX XXXX XXXX that was suppose to help pay off my debit of XXXX in credit cards. I was appointed a lawyer that I was to communicate with concern my progress. this lawyer was just as lost about the progress as I was. I paid them {$410.00} per month. There was supposed been XXXX fees and other fees attached the the fees. It took over 1 years before I started to see any money going to my account to pay off my credit cards. I called the Lawyer to follow up in why nothing was happen and she informed me that the company was under litigation with the court and I should call XXXX XXXX XXXX XXXX and stop all payment. I paid them lot of money and nothing of my credit card was paid off. I need to Know what happen now that I have put all this money in this company hand.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXXXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2019-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (NM)

I send a letter to WFDS on XX/XX/XXXX asking them for the removal of a late payment on XX/XX/XXXX of which I stated to them to prove with bank and transaction records that indeed that late payment was actually made, That according to the FCRA they must prove it to report it. They reply with a letter with total mockery reversing the question I ask them instead of sending me prove or documents or the removal of such, at this point they are still reporting that negative mark on all 3 credit bureaus reports. All im asking are my rights under the FCRA
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

XXXX, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My credit reports show inaccurate information. One says this installment loan was late 2-3 times, and others state it was paid as agreed. I want this account deleted off my credit report immediately.

15 U.S. Code 1681i I have contacted this company and asked for an investigation. Nothing has been done.

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX Acct # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions and consent.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-04
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. (GA)

My credit reports show inaccurate information. One says this installment loan was late 2-3 times, and others state it was paid as agreed. I want this account deleted off my credit report immediately.

15 U.S. Code 1681i I have contacted this company and asked for an investigation. Nothing has been done.

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX Acct # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions and consent.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX XXXX but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2020-04-01
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. (NV)

ACCOUNTS LISTE ON THE FTC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Settle FTC Charges that XXXX XXXX XXXX XXXX XXXX Ad Was Deceptive The Fair Credit Billing Act is a federal law enacted to protect consumers from unfair billing practices, such as unauthorized charges, charges for unaccepted or undelivered goods and services and other disputed charges. ... The law applies to revolving charge accounts and open-end credit accounts, such as credit cards. 

As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) As a public service, the staff of the Federal Trade Commission ( FTC ) has  prepared the following complete text of the Fair Debt Collection Practices Act 1692-1692p.

Please note that the format of the text differs in minor ways from the U.S. Code and Wests U.S. Code Annotated. For example, this version uses FDCPA section numbers in the headings. In addition, the relevant U.S. Code citation is included with each section heading. Although the staff has made every effort to transcribe the statutory material accurately, this compendium is intended as a convenience for the public and not a substitute for the text in the U.S. Code.
Consumer complaint received 2022-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: M&T BANK CORPORATION (CT)

M & T Bank XXXX  XXXX XXXX has purchased Peoples United Bank and will be converting over the United Bank checking accounts over the XXXX XXXX Weekend. As part off the conversion, there will no longer be access to the checks processed by United Bank prior to the conversion By access it is defined as to the check image both front and back sent by the checking account owner to the payable party. The hard copy statement does not provide the detail needed in resolving any inquiry or resolving a complaint.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My credit reports show inaccurate information. One says this installment loan was late 2-3 times, and others state it was paid as agreed. I want this account deleted off my credit report immediately.

15 U.S. Code 1681i I have contacted this company and asked for an investigation. Nothing has been done. 
In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX Acct # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions and consent.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-02
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: Experian Information Solutions Inc. (CA)

I just reviewed a new copy of my credit report and there are hard inquiries on my credit report that I do not recognize. Please remove these hard inquiries. 

XXXXXXXX XXXX XXXX ( Bank ) XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX ( Bank ) XXXX XXXX XXXX ( Finance ) XXXX ( Finance ) XXXXXXXX XXXX XXXX ( Bank ) XXXX ( Retailer XXXX XXXX ( Bank ) XXXX XXXX XXXX ( Bank )
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

these credite burues are reporting inaccuarate information which is causing me great distress, making it difficult for me to secure an auto loan. It is incredibly frustrating to see multiple questionable accounts listed, and this situation is unacceptable. 

I understand my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, 15 U.S. Code 1681e ( b ) mandates that consumer reporting agencies take reasonable steps to ensure maximum possible accuracy in credit reporting. They have not done this. The presence of incorrect information on my report indicates a serious failure to meet these standards. : XXXX - XXXX : ** This account shows an inaccurate late payment status. I have never been late on this account ; it was paid in full and on time. This negative reporting should not impact my credit score. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX This is a inaccurate late payment. I was never late on this account. This account was paid as agreed on time and in full- this is inaccurate i can not be paying on time for 30 days and then jump and be 90 days late. this shuld nt be reporting negative I have attached evidence supporting my claim.
Consumer complaint received 2022-08-04
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. (IL)

I feel taken advantage of since my disputes are being ignored! I have previously disputed this account, as it is evident that you are reporting false information. The opened date, the last reported date, and the last active date are incorrect!!! You fail to even verify this account!!
Consumer complaint received 2022-08-02
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: Bread Financial Holdings, Inc. (FL)

In accordance with The Fair Credit Reporting Act XXXX  account XXXX XXXX has violated my rights.

15 USC 1681 section 602 states I have the right to privacy.

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

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Consumer complaint received 2021-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (UNITED STATES MINOR OUTLYING ISLANDS)

The requested was to complete a research paper the requirements were given accordingly. 
1- deadline was not met 2-Attempted to rectify with merchant via asking to speak with a manager.

3 research did not coincide with subject matter.

4 Verified deadline not met therefore whatever was submitted it needed to be correct therefore it would be no need for submission One minute past the deadline is late let alone 3 hours as shown. The bank stating that services were rendered but if I cant use the services AND IT WAS NOT COINCIDING WITH REQUIREMENTS. I tried to speak with the manager and left several messages. I was even told it would refunded but it was not. Yet here I am still trying to get my money back when it is part of their policy. yet their actions do not fulfill my monies in my account nor did it help by submitting the documents late.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2019-11-16
Product: Credit card or prepaid 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: CITIBANK, N.A. (CA)

I have two CITI credit cards. One is the CITI Costco Anywhere Card and the other is a CITI Diamond Preferred Card. Earlier this year they lowered my available credit limit on the COSTCO anywhere card, cutting the available credit line down by thousands. I contacted them and they told me there was nothing they could do and it was based on credit reporting. Now, I have received a credit limit decrease on the CITI Diamond Preferred Card. I was told again there was nothing they could do, I would need to clear it up with XXXX  it was decreased based on credit reporting. None of my accounts on my credit report are negative, I have a 100 % payment history on ALL accounts, and until there decreases had on the Costco card {$3000.00} available and on the Citi Diamond card {$740.00} available. Now those cards have an available balance of between {$100.00} and {$200.00}. Again, I have not missed any payments and have been working on paying those cards down, the company says they can NOT help me and I must take it up with the credit reporting agency. I have made no new charges on the CITI Diamond Preferred and have paid on time, with the available credit increasing each month, until now when they suddenly decreased it setting me back. This has a huge negative impact on my credit rating which i am attempting to repair after undue expenses.