davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XX/XX/XXXX I received a notice from Bank of America that my AAA XXXX rewards credit card offered by Bank of America would be transferred to a new banking institution. As I did not want to begin a relationship with another bank, I called Bank of America to cash out all the points I had accumulated on the card and close the account. I received confirmation on XX/XX/XXXX that this would be completed and that I would receive an AAA  XXXX  Check for the value of my rewards in the next XXXX weeks. 

In XX/XX/XXXX when I still had not received an AAA XXXXXXXX Check for my rewards, I called Bank of America and spoke with a supervisor who initially indicated there was nothing they could do and suggested I call the new bank that had taken over the card. I protested as the whole reason for cashing out all the rewards and closing the card was to avoid any dealing with a different financial institution. I also clarified that as the account was closed and cashed out, I did not understand how a new bank would have any records or any responsibility for this. At the end of the call she agreed to speak with her wider team to come up with a solution. 

In XX/XX/XXXX XXXX  I still had not received any substantive update, solution or AAA  XXXX XXXX. I again called and was transferred to a different supervisor. This supervisor saw some limited notes about the previous problem, but also expressed difficulty in constructing the whole story due to the product being closed at Bank of America. She again promised to research with a senior team and to get back to me with a solution. I was provided a XXXX XXXX number of XXXX. It is now XX/XX/XXXXXXXX and I still have no update nor any resolution. I am now out nearly {$XXXX} in rewards value ( just under XXXX points valued at XXXX XXXX  each for an AAA  XXXX XXXX ) and have little confidence this will be resolved as each time I call I start the process with a new agent and no progress.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TransUnion will not verify complete file information including my full name, address, date of birth and SSN # for the questionable items on my report. My ex-wife has fraudulently opened accounts and attempted to get credit in my name. It's becoming increasingly difficult to obtain credit and get decent interest rates with this inaccurate information on my report.
Consumer complaint received 2022-11-30
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. (TX)

My name 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.
Consumer complaint received 2020-07-07
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. (VA)

XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX I've had XXXX  XXXX  XXXX for over a decade and I've been fighting this issue for the last two years. Applied and was granted a payment plan Recently, due to COVID I've accepted a payment deferral plan in XXXX ( which is supposed to deter late payment fee's/credit reporting while on the plan- per their website ). 

However, late payments occurred on my credit report XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020. This is incredibly disappointing especially at a time like this. 

I would like CFPB to investigate this " COVID relief plan '' the bank is offering because it is FALSE advertising and ruining people 's lives. Highly unacceptable and disappointing from bank like this.
Consumer complaint received 2020-06-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (SC)

I have 2 accounts with Comenity Capital bank. One is for XXXX XXXX and the other is for XXXX  XXXX I have paid off both collections. I was advised by the collection agency XXXX XXXX  that the accounts would be updated and removed rom my report. They have not been updated by either party. The original party or collection agency. I have reached out to both parties and nothing has been done.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXXXXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXXXXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The late payments were incorrectly reported due to an issue with the automatic payment system that I had set up with XXXX. The funds were available in my account, but due to a technical error, the payments were not processed on time, leading to the late payment entries on my credit report. This error was not caused by my actions and should not reflect negatively on my credit history. 
Evidence provided : Bank statement showing sufficient funds in the account on the payment dates. 
Correspondence from XXXX acknowledging the technical issue with their automatic payment system.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-11-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Frontline Asset Strategies, LLC (TX)

I recently went to XXXX XXXX and I noticed on my account there was a collection debt of {$200.00}. The company that sent me to collections is called Frontline Asset Strategies. I have never heard of this company nor attempted to create an account with them. 
According, to Frontline Asset Strategies " my '' account was opened on XX/XX/2022. 
Before asking why I have not tried to take action with the company, it is because all the reviews say how they know all your information and a specific review from XXXX XXXX said " They will tell your personal info everything about you, but dont get fouled '' On XX/XX/2022, I disputed the claim through credit karma, but I still want to make sure I will get this removed.
Consumer complaint received 2024-10-21
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: Experian Information Solutions Inc. (PA)

Im in the process of buying a home and found fraudulent accounts from DEPTEDXXXX on my credit report in XXXX so I disputed them. The credit bureau did not conduct an investigation. I called twice and both of the customer service representatives told me that they refuse to investigate because there were several payments made on the accounts, so the DEPTEDXXXX accounts are mine and will not be remove. This credit bureau violated the Fair Credit Reporting Act! This unlawful conduct has cost me a lot of stress and financial hardship. The DEPTEDXXXX tradelines on my credit report are fraudulent, inaccurate and incomplete. I do not have an account with DEPTEDXXXX. DEPTEDXXXX  accounts have no alleged credit limit, no terms, no scheduled payments and have an incomplete name or a not an actual entity. 
DEPTEDXXXX account # XXXX {$4900.00} DEPTEDXXXX  account # XXXX {$3500.00} CFPB please require this credit bureau to abide by FCRA and conduct a through investigation.
Consumer complaint received 2020-07-03
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. (CO)

I opened a checking account with XXXX XXXX in XXXX. In XXXX I made a transaction that XXXX XXXX  paid which caused my account to become overdrawn. At the time, I was a struggling college student, and since this incident I have become extremely aware of how important it is to manage the balances of my accounts responsibly. XXXX XXXX  decided to close my account before I was able to deposit the funds which would have covered the transaction. Years later, I am preparing to purchase my first home, and I find something on my credit report from XXXX XXXX  from XXXX. I have shredded all paperwork associated with XXXX XXXX  since they left me 'high and dry ' with no place to hold my student loan funds etc. and am now very happy with XXXX XXXX. I have no record or memory of opening a " line of credit '' with them at any point during this period or during my lifetime. I wrote to XXXX XXXX   several times and they only replied with " nothing we can do. '' I finally spoke to XXXX over there, and she let me know that in fact, I would not have any documentation for this account because I never opened this account and that they simply did this to skirt the XXXX XXXX process ( and essentially give me a harsher and longer punishment ). XXXX is going to try and help me by talking to her boss ( she was very helpful and understanding ), although when I explained how unethical this sounds all she said was, " I know, I have no words ... '' This behavior should not be tolerated by banks - I feel like this could be considered identity theft since XXXX XXXX  opened the " line of credit '' account without my knowledge AND without providing any information about it to me even after they did. I have spent HOURS trying to get a straight answer from representatives over there because not only is the account closed, and extremely old, but also ILLEGITIMATE. I'm not sure if XXXX will be able to help me by removing the adverse account status from my credit report as she is also the one who sent me the " sorry not sorry '' letters, but either way I feel like this behavior should be something that is brought to the attention of the CFPB and I really hope that it is investigated further. I know that the CFPB would like supporting documents but unfortunately I do not have any - and I doubt XXXX XXXX  does either since this account shouldn't exist - and it was 8 years ago I've shredded anything associated with it since I confirmed since then that were no adverse accounts on XXXX XXXX ( I didn't know to check credit bureaus since I didn't know I had this 'line of credit ' ).
Consumer complaint received 2024-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA (IL)

XXXX XXXX XXXX, XXXX, XX/XX/XXXX I am submitting this CFPB complaint to request the immediate blocking of fraudulent information on my consumer credit report, as permitted by FCRA 605B ( 15 U.S.C . 1681c-2 ) .The following accounts, resulting from identity theft, were incorrectly opened in my name : XXXX  XXXX : XXXX opened XX/XX/XXXX, XXXX : XXXX opened XX/XX/XXXX, GS Bank USA : XXXX opened XX/XX/XXXX, XXXX : XXXX opened XX/XX/XXXX, XXXX : XXXX opened XX/XX/XXXX, XXXX XXXX  : XXXX opened XX/XX/XXXX, XXXX : XXXX opened XX/XX/XXXX, XXXX : XXXX opened XX/XX/XXXX, XXXX : XXXX opened XX/XX/XXXX, XXXX : XXXX opened XX/XX/XXXX, XXXX : XXXX opened XX/XX/XXXX. These accounts have resulted in multiple collections on my consumer XXXX credit report. I have attached a list of the specific accounts along with a copy of my consumer XXXX credit report maintained by XXXX, highlighting the fraudulent items. I do not recognize any of the accounts or collections listed. None of these were opened, authorized, or initiated by me ; all are a result of identity theft and fraud. I have included a copy of FTC Identity Theft Criminal Complaint # XXXX & XXXX as evidence that these accounts and inquiries are indeed fraudulent. I request that this information be blocked within four business days of receipt of this complaint. Thank you for your prompt attention to this matter.
Consumer complaint received 2022-07-04
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. (PA)

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

1

5 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 2023-03-27
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. (KY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-10-23
Product: Credit reporting 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. (AR)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-11-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (NJ)

Days ago, I submitted the credit card application XXXX for the XXXX XXXX card. This application got denied immediately because I have submitted too many applications with Citi bank in the last months trying to get approved for this card specifically, what caused me a lot of concerns was that Citi bank is not pulling my credit no more. Right after I got the denied letter in the mail, I called the reconsideration line, and XXXX of the managers provided me with the option to overwrite this application and pulled my credit report since I was asking for it. I gave him the authorization and he moved forward. This time the application asked for extra documentation, specifically the form 4506-C REQUUEST FOR TRANSCRIPT OF TAX RETURN. I filled out the document correctly ( attached ) and I sent it to the email mentioned on the letter : XXXX. 
One more time I did a call to the customer service department to confim that the letter was received correctly, then I waited for XXXX  days until I got a text message saying that the card application was denied. 
When I received the letter, the reason described was WE COULDNT VERIFY SOME OF THE INFORMATION ON YOUR APPLICATION, And this is the big concern I have right now. I have the right as a customer of a financial institution to know the real reason of why my card application got denied, one more time i called to the reconsideration line department and the Managers response was : we cant tell you why you got denied and theres nothing else I can do. Thats not ethical or professional from CITI bank. 
By law, and the federal equal credit opportunity, all customer has the right to understand why a financial institution is not approving a credit product, and the reason mentioned in the letter doesnt help and it gets open to a different interpretations such discrimination. 

I DEMAND to Citi bank to reconsider my credit card application XXXX for approval, if any extra documentation is needed I am open to provide with anything you want to ask for, otherwise I demand a customized letter NOT GENERATED BY AUTOMATIC SYSTEMS, with the reason of why my credit card couldnt get approved for me.
Consumer complaint received 2022-07-04
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. (TX)

Went to a car dealership to apply for a car. XXXX XXXX XXXX said only they were gon na pull my credit report! However 6 more places pulled my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX