davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: FIRST NATIONAL BANK OF OMAHA (IL)

On XX/XX/XXXX, XXXX credit card switched banks to FNBO ( First National Bank Omaha ). The prior rewards feature was {$.00} off per gallon. The new rewards program offered {$.00} off per gallon at the pump. This was advertised prominently as our new card feature and the on XXXX gasoline pumps and receipts. We did not receive the reward with our first transaction on XX/XX/XXXX ( # XXXX ). Calls to FNBO were met with an automated message that the system was down. We put in a written request with FNBO on XX/XX/XXXX and received no response. Our next transaction on XX/XX/XXXX ( # XXXX ) also did not receive the discount. I placed a call on XX/XX/XXXX to FNBO and was told that my account was credited for the XX/XX/XXXX purchase and promised a credit for the XX/XX/XXXX purchase. The CSR was unable to tell me why the credits were not automatically applied. The purchases on XX/XX/XXXX and XXXX received the appropriate credit at the pump. The purchase on XX/XX/XXXX ( # XXXX ) did not receive the {$.00} credit. Upon reviewing the transaction history, it does not show the post dated credits that were promised for the XX/XX/XXXX and XX/XX/XXXX transactions. We're sure if this is a system glitch or if this is a systemic issue. There a most likely quite a few customers who do not review their receipts or take the time to reach out to FNBO for a few dollar discrepancy. It appears FNBO is unaware of this issue or indifferent to it. We would like this remediated for us and other affected consumers.
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been trying to get a copy of my credit report since last week and nothing. I cant get it through https : //www.annualcreditreport.com/ nor TransUnion website, I have also called their customer service number and no one seems to be able to assist me.
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (AZ)

XXXX account open date XXXX XXXX XXXX  account open and closed date XXXX Experian credit report shows ex husband as co applicant illegally XXXX account I had a freeze it was unlocked XXXX. Police report identity theft no actions been taken by either buissness, police report been made also by a individual use my name different spell use my social security number ftc foia ogis reference number Unemployment with my social security number, insurance company disclose my information to ex SPOUCE illegally and my attorney information
Consumer complaint received 2022-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the XXXX  you cause me.
Consumer complaint received 2022-06-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (AL)

In XXXX I disputed a transaction totaling {$200.00}. In XXXX they sent a letter saying they closed the account. Go ahead and close the XXXX account I dont XXXX care! They sent me two debit cards for a closed account. Makes perfect sense!
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc. (NJ)

Unfortunately, I contracted XXXX twice. I subsequently lost my job, my wife also was ill. I contacted the company to make arrangements for deferment or modification. I was denied by the company. I was denied protection given under law by the CARES Act. Under the CARES Act, stating : " XXXX XXXX, former acting director of the Consumer Financial Protection Bureau ( CFPB ), recently stated that the bureau is taking much-needed action to protect consumers, particularly the most economically vulnerable. [ 1 ] As part of this new focus, the CFPB will take aggressive action to ensure that regulated companies follow the law and meet their obligations to assist consumers during the COVID-19 pandemic. [ 2 ] As such, the case for CARES Act examination preparation is stronger than ever. ''
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX, 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXXXXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX, 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (MA)

Company : JP Morgan Auto Finance XXXX XXXX XXXX, Mail code XXXX, XXXX LA XXXX This was a lease for a XXXX  XXXX. XXXX was involved in an accident, total collision. My Insurance company, XXXX XXXX, sent JPMCB reimbursement check. JP stated there was a residual amount of {$1.00}, XXXX. I paid this amount accordingly, 2 years ago!!! Now, JPMCB has erroneously reported it as a Charge OFF. I contacted JPMCB, they have NO EVIDENCE or account information available. 

How are they allowed to report negatively on an account that has no evidence? 
This is impacting me negatively and financially.
Consumer complaint received 2022-06-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

We have account with Bank of America. We gave a check for the amount of XXXX for tree felling services to one of the service providers.. This check was deposited by the receiver in his bank which is XXXX XXXX. Both banks are located in XXXXXXXX XXXX. Our check was returned on XX/XX/XXXX with Refer to makercomment and a XXXX USD fee was charged. We approached both banks on XX/XX/XXXX. BOA insisted that the check had already been cleared.and XXXX XXXX stated that they have the money with them, our client has to deposit the check again which our client did. On XX/XX/XXXX. this check is again returned. Meanwhile I filed a complaint with Bank of America. There was a an error in our check date instead of XXXX my husband wrote XXXX, but our bank stated there is no problem due to the date. At the end XXXX XXXX USD missing from our account. We had to pay our tree felling service provider with cash including interest. It has been XXXX months since this unresolved issue is going on.
Consumer complaint received 2022-06-07
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: MUTUAL OF OMAHA MORTGAGE, LLC (AZ)

I was shopping line for information about HELOC 's. I specifically was only looking for rates and terms regarding lines of credit. I did fill out a couple of inquiry forms but never was made aware of permission for a hard credit pull. In fact, was aware when it was stated that the inquiry would not affect credit. XXXX XXXX from Mutual of Omaha called and called, texted and emailed. I engaged in emails asking and answering questions. Never did I give express permission to pull credit. In fact, I quickly realized she was trying to sell me a mortgage which is not what I inquired about at all. I told her in more than one email I would only proceed " if '' and then was clear I wouldn't be proceeding. The next day I got a notification from a credit monitoring service my credit had just been pulled. This warning is always immediate so it was pulled a day after a very clear NO. I emailed asking her to reverse it and referenced the times I was clear about not proceeding. She ignored. I called and got no response. She was too aggressive and moved forward without appropriate permission. My application is still in a status requesting an " econsent ''. It was never given.
Consumer complaint received 2022-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX  - ACCOUNT # XXXX XXXX XXXX XXXX - ACCOUNT # XXXX XXXX  XXXX XXXX XXXX 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-06-07
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. (MD)

Compliant # XXXX, additional documents The Credit Reporting Agency stated that they verified the information with the court. I have attached a letter from the court dated XX/XX/2020. Stating that the US Bankruptcy Court does not report ANY information to the Credit Bureaus. Nor is they responsible for verifying or validating information from a consumers ' credit files. They are continuing to be negligent in violating the provision of the FCRA and should be had liable. They said MOV verification was through XXXX XXXX I have attached a letter from XXXX XXXX saying they could not verify and have delete it. Please delete this unverified Bankruptcy from my credit delete. The credit bureau should be held liable for report inaccurate and unverified information. 
The other documents are attached to the previous compliant.XXXX
Consumer complaint received 2022-06-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (PA)

In XXXX of 2021 my escrow was re-analyzed by Mr. Cooper and my mortgage payment went down starting in XXXX. Because Mr. Cooper was late sending out this notice, my autopayment sent a mortgage for the old amount of {$1500.00} and not the new amount of {$1300.00}. I reached out and asked the extra to be applied to my principal. 

Immediately I started seeing unusual charges on my account like " Maintenance '' and " Lender Paid Expense ''. I started inquiring about these fees and was told they were related to " property registration that was filed in 2021 due to a delinquent account ''. I've never missed a payment so I started inquiring about why that happened and specifically who they paid the fee to. I tried via long phone calls and also via emails to XXXX, XXXX, XXXX and XXXX. I also spoke to the PA Dept of Revenue and the boro where the property is and nobody knows anything about delinquent accounts. 

Because the Mr. Cooper message portal marks every message as " resolved '' and disables replying, my only options are to sit on hold for hours to be connected with someone who says " they're looking into it '' or email people who then reply with paper mail saying " they're looking into it ''. 

I just received another statement with another " maintenance '' fee. I honestly think Mr. Cooper stole the money and is just avoiding me because they can't provide a receipt or recipient of where this money went or why. 

Any statements included show unexplained fees.
Consumer complaint received 2022-06-07
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. (MI)

On XX/XX/XXXX XXXX XXXX XXXX balance the company says belongs to me doesnt in the amount of {$1200.00} ] THIS ACCOUNT DOES NOT BELONG TO ME I HAVE DISPUTED THIS IN THE PAST WITH THE ORIGINAL COMPANY ( XXXX  ) XX/XX/XXXX XXXX {$1400.00} balance the company says belongs to me is inaccurate/settled THIS ACCOUNT HAS BEEN SETTLED!! 

XX/XX/XXXX Accnt type : CREDIT CARD XXXX XXXX {$3800.00} balance the company XXXX XXXX claims belongs to me and it doesn't XX/XX/XXXX XXXXXXXX XXXX  HARD INQUIRY PULL i never inquired or applied for any credit with this company INACCURATE information/does not belong to me XX/XX/XXXX XXXX XXXX  HARD INQUIRY PULL I never inquired or applied for any credit with this company INACCURATE information/does not belong to me XXXX XXXX XXXX i never inquired or applied for any credit with this company INACCURATE information/does not belong to me XX/XX/XXXX XXXX  XXXX XXXX I never inquired or applied for any credit with this company INACCURATE information/does not belong to me XX/XX/XXXX XXXX THIS ACCOUNT HAS BEEN SETTLED!!
Consumer complaint received 2022-06-07
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: Experian Information Solutions Inc. (NY)

In accordance With the fair credit reporting act XXXX Account # XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States i have the right to privacy. 

15 U.S.C 1681Section 604 A. Section 2. It Also States A Consumer Reporting Agency can not furnish an account without my written instructions. 

In accordance With the fair credit reporting act XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights 15 U.S.C 1681 Section 602 A. States i have the right to privacy. 

15 U.S.C 1681Section 604 A. Section 2. It Also States A Consumer Reporting Agency can not furnish an account without my written instructions. 

In accordance With the fair credit reporting act XXXX  Account # XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States i have the right to privacy. 

15 U.S.C 1681Section 604 A. Section 2. It Also States A Consumer Reporting Agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (MO)

To Whom It May Concern, CB/Victoria 's Secret is currently reporting erroneous information on my XXXX credit report. The debt was purchased by another lender and subsequently paid, however XXXX is still reporting a {$330.00} balance. 

I have contacted both CB/Victoria 's Secret and XXXX directly XXXX and to date they have not corrected the error. This erroneous debt reporting is causing me to be denied for credit and needs to be corrected immediately.
Consumer complaint received 2022-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX sent in letters stating the account I'm going to be listing in my complaint are not accurate and the Credit bureaus violated my right as a consumer. According to the FRCA section 15 USC 1681 section 604A, the law clearly states a consumer cant report anything on my credit report without my written authorization and you can clearly see these item on my file : the follow item are also reporting inaccurately XXXX XXXX  account # XXXX this account date of last activity is in incorrect but this account was verified as accurate how is that so... 

XXXX XXXX  of XXXX  account # XXXX account Date of last activity is incorrect how was this account accurate? 

XXXX XXXX XXXX  account # XXXX the date of last activity is incorrect can be accurate XXXX XXXX account # XXXX Date of last activity is incorrect cant be accurate and verified as such. 

XXXX XXXX XXXX XXXX  account # XXXX this account is showing different dates for the date of last activity and the account showing an open account which incorrect but this account was verified as accurate which is a lie ....
Consumer complaint received 2022-06-07
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: DISCOVER BANK (IN)

I entered into a Consumer Credit Transaction with DISCOVER BANK on XX/XX/XXXX in which I used my social security card, commonly known as a credit card pursuant to 15 USC 1602 ( l ) which is tied to an open end credit plan pursuant to 15 USC 1602 ( j ), according to 15 USC 1666b, creditors can not mark late payments on open end consumer credit plans. Further more according to 15 USC 1681b ( a ) ( 2 ) I never give DISCOVER BANK any written permission to furnish any information on my report. Further more pursuant to 15 USC 1681a ( 2 ) ( a ) ( i ) late payments and utilization which are defined as transaction or experiences are not to be reported on a consumer report. DISCOVER BANK is illegally furnishing information which is causing me great stress, and financial harm. I sent out a dispute letter on XX/XX/XXXX, in which I gave them 14 days to respond upon receipt of the letter, which they received on XX/XX/XXXX. It has been 14 says and they have failed to make any changed to my consumer report.
Consumer complaint received 2022-06-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Crown Asset Management, LLC, Duluth, GA Branch (CT)

This collection company XXXX XXXXCrown Asset sent writ to old address that I lived at over 3 years ago and filed a court case against me. I only know about the writ and the lawsuit after receiving court papers with an appearance date. I did my own investigation to find company suing me. I reached out immediately asking for a copy of the writ to be sent to my correct address which I gave to them. I was told according to the law they already did what they had been required to do. I asked as a courtesy please resend to correct address. I was told representative asked manager who repeated same thing, not required to resend. I emailed a request in writing asking for writ to my correct address. No response was received. I attended first court date, told court that I never received writ or any notice from Bill collector. The court order them to send it to me. I contacted the lawyer on the case the same day and confirmed address. Nothing ever came. Court date # 2, told court again nothing was received. This time court ordered to send writ. Again, nothing received. Court date # 3, Judge ordered writ by registered mail with signature. Again nothing came. Court date # 4 Judge again ordered writ by trackable mail, continued for 30 days. During all this time multiple calls from collection agency about this debt. I told them they failed to send notice and should not be contacting me. They continue calling me.