davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-09
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)

As part of my Bank of America Premium Rewards Credit card 's core benefits, I am eligible to receive {$100.00} in Airline Incidental Statement Credits annually for qualifying purchases. The first time I made a qualifying airline incidental purchase, the credit did not automatically post. I had to make 3 calls over a period of more than 1 month in order to get the credit posted. This is now the second time where a credit has not posted. I made an Airline Incidental purchase on XX/XX/21 and waited the " 2-3 weeks from qualifying for the statement credit to post to your account ''. On XX/XX/XXXX, I contacted Bank of America. A case was created and was told it would be resolved within 10 business days. I contacted Bank of America again on the XX/XX/XXXX requesting an update and was told it was still being researched. On the XX/XX/XXXX I requested a supervisor contact me and was told one would call me shortly -- no supervisor called me. On XX/XX/XXXX I contacted Bank of America again and have still not had a resolution. This should be an automated process and I am completely baffled as to why I need to contact the bank numerous times to receive a published benefit that I pay an annual fee to receive.
Consumer complaint received 2021-04-12
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. (SC)

I sent an investigation request to TransUnion because the XXXX ACCOUNT is reporting inaccurately. I've sent over 5 letters and haven't received a response or proof that an investigation was conducted. I'm looking to refinance my home soon and this inaccurate information is hurting my credit.
Consumer complaint received 2021-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (FL)

In XX/XX/2021 my husband and I received promotional offers to upgrade our AMEX. This was emailed. We followed the link and I upgraded to Gold and was supposed to receive a large sum of XXXX points if we spent $ XXXX in 90 days. Our statements show we made a clear effort to use the Amex for our spending and we reached the agreed upon amount very quickly. 

We noticed the points didn't arrive after the statement ran. We have called several times and we get the runaround with no real knowledge or seemingly a department to handle these issues. 

Ultimately today after cases were opened with no return calls as promised a supervisor informed us that because we didn't keep the email we can't prove that we accepted an offer and they refuse to provide the points. 

Unfortunately this was a quid pro quo agreement with American Express and we did out part. 

They are putting it on US to prove when THEY had THEIR promotion. 

We did not keep that type of an email as this does not seem that it would need to be an issue that would require proof from their promotions. They are able to confirm the timing of their own promotions, see when we upgraded and see what we spent. 

This is a clear refusal after receiving their portion of the agreed procedures to not provide their part of the agreement.
Consumer complaint received 2021-06-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (NC)

I received a letter from Credit Collection Services in XX/XX/XXXX saying I had an outstanding debt with XXXX. 

I called to find out information for the debt as I had no record of an outstanding debt to XXXX, a company I made several payments to in XXXX. And I had no record from my medical providers of ordered XXXX testing that was my requirement to pay. Therefore I requested validation of debt. 

Credit Collection Services ( CCS ) did not provide any information on the validation process. They did not provide me with the proper information that would allow me to make an informed decision as a consumer with regards to what the validation process does to your account, how CCS will contact you, the expected ETA of the debt validation process. 

I did not received any additional document from CCS until XX/XX/XXXX. Partly impacted by significant delays with USPS, I did not know to expect the letter, that it had been sent out or how the document would appear. What I received was a red and white lined document with random codes that I called both XXXX ( the medical provider XXXX and XXXX to attempt to verify and could not. There was no official documentation from CCS confirming that this document served as the debt validation and what would happen to my account or payment options. 

I paid the debt at the beginning of XX/XX/XXXX and CCS is now claiming they do not delete their collection record from credit reports, though they have not be clear on whether it is because of how I paid or because they don't offer deletions to any consumer or because the originating debt or does not offer it. 

I still have no record from my medical provider of how these XXXX test originated and simply paid to avoid impact on my credit report though the collection is now showing on my report.
Consumer complaint received 2021-08-11
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. (TX)

XXXX XXXXXXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX XXXX. 
{$6900.00} Balance updated XX/XX/2021 fcra violations not mine :
Consumer complaint received 2021-08-09
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 received my credit report to find that things were put on my report that was not authorized by me, I didnt give anyone written consent.
Consumer complaint received 2021-04-12
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. (SC)

I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.
Consumer complaint received 2022-12-08
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. (VA)

In accordance with the fair credit reporting act these companies has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bankruptcy 15USC 1681 section 602A states I have the right to privacy 15 USC 1681 section 604A section 2,, it also states a consumer.reporting agency can not furnish an account without my written consent.
Consumer complaint received 2022-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

CapitalOne offered a balance transfer on my credit card. The offer consisted of sending a check to me for the amount requested so I can use it to pay higher rate cards, etc. 

I executed the offer on XX/XX/2022 ( XXXX PDT ). Today is XX/XX/2022. I've not received a check for the requested amount ( XXXX ). At the same time, CapitalOne *posted* the balance and charged me a balance transfer fee on XX/XX/2022. 

I had a call with a representative on XX/XX/2022. They were not able to either confirm the check had been sent nor provide an estimate for delivery nor explain why a the balance transfer was posted to my account BEFORE a ) the check was received and b ) the check was cashed. 

I've done multiple balance transfers over the years and it is the FIRST time I see such an illegal activity. I'm inquiring costs on a daily basis because of them not meeting their legal obligations, that is, to have provided the check BEFORE the balance is posted on my account. I don't mention the opportunity costs associated with, to name a few, the inability to cover the higher rate cards on a timely matter. 

CapitalOne 's behavior borders fraud. They hold me accountable for a charge on my account without me ever receiving the corresponding service for that charge, that is, the check that I had planned to use. 

It's been more than 15 days since I initiated the transfer and CapitalOne is oblivious as to what the status is. One could potentially think that a CapitalOne employee cashed the check, the balance posted on my account and I'd never receive the funds behind the balance transfer! Etc, etc. 

I find CapitalOne 's process, behavior and customer centricity absolutely outrageous! You can not POST a charge in my account as if I've used the funds without having any intention to provide the funds in a timely manner! It's been 12 days since you posted that balance transfer charge WITHOUT me having received, let alone used/cashed the check!
Consumer complaint received 2021-08-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC (FL)

In XX/XX/2021, I was notified by XXXX XXXX of new account in collections. Prior to that, I had none. The debt of {$830.00} says it was opened in XX/XX/2021 and the original creditor was XXXX XXXX XXXX. I disputed the charge and they said, it's legit. 

Here 's the issue, I have no clue what the XXXX this is for, received no communication and even after the dispute, none of this has changed. I only have 3 credit cards, I think the oldest is 4 years old. 2 are with XXXX XXXX and 1 is with XXXX XXXX XXXX XXXXXXXX. So, if this is mine, not only did they break the law below, I still have no idea where this came from, when it really happened and why it's in collections when there were no late payments for any credit card servicer in the past 4+ years. 

The Fair Credit Reporting Act excludes from Consumer Reports, accounts placed for collection or charged to profit or loss whose delinquency date predates the consumer report by more than seven years. The seven year period begins upon the expiration of a 180 day period beginning on the date of delinquency of the account. The date of delinquency then, determines how long the consumer debt can be reported on a consumers credit report. The date of delinquency occurs on the date when the first payment is missed regardless of how long after the delinquency the creditor charges off the account to profit or loss or places the account with a collection agency. The date of delinquency remains fixed until the account balance is paid in full. This date of delinquency therefore, remains even when the debt is placed with a collection agency, assigned or sold. Neither the Charged Off date nor the date when the account is placed with a collection agency can be used as the date of delinquency on an account.
Consumer complaint received 2021-08-09
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. (GA)

Hello, I woke up today and notice inquired on my consumer report. I dont recognize the inquiries. I did not apply for anything. I believe the inquiries are fraudulent. XXXX  XXXX  & Experian XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX  XXXX XXXX XX/XX/2021 XX/XX/XXXX
Consumer complaint received 2023-01-16
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)

When I reviewed my credit report, I discovered the erroneous items. The XXXX credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

XXXX OF XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (CO)

I lost my home in the XXXX XXXXXXXX XXXX My insurance company issued a {>= $1,000,000} to Guaranteed Rate for the rebuild of my home. I am working with an architect, engineer and the county to get permits issued to rebuild my home. Once permits are issued I can hire a general contractor. I have incurred over {$200000.00} in expenses and the loan servicer, XXXX, refuses to pay any of the incurred invoices. Their reason is that I need to have a signed contractor and an inspection. The process to rebuild a custom home does not start with a general contractor and there is nothing to inspect. I have a contract with an architect, engineers and permits to the county that I owe money to. I have escalated within XXXX but there phone people do not understand the process to build a home and tell me there is nothing they can do to help. Surely it must be illegal for them to hold my money and refuse to repay me for money spent on the process to rebuild. This is why the insurance company gave them the money. The insurance company does not understand why XXXX will not release funds and has called trying to get them to but XXXX refuses.
Consumer complaint received 2022-12-14
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

NOTICE AND DEMAND The information that is reporting for the month of XXXX is reporting a late which is incorrect. There is a forbearance plan in place and has been in agreement that has been kept please see attached payment that was made on XX/XX/XXXX which is not a late of a XXXX  day late. This information needs to be deleted and corrected as not late. This erroneous reporting is on Trans Union, XXXX and XXXX and is causing a hardship.
Consumer complaint received 2022-02-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Windham Professionals, Inc. (MD)

On XXXX XX/XX/XXXX and XXXX XX/XX/XXXX, a company called ProCo, representing the University of XXXX  XXXX XXXX XXXX, stated that I had a balance due on an emergency room visit of {$1100.00} and then {$280.00} after my insurance carrier, Tricare, paid their portion. I paid {$280.00} via credit card to the XXXX XXXX XXXX billing department on XXXX XX/XX/XXXX with a confirmation number of XXXX. I received a letter dated XXXX XX/XX/XXXX from a Windham Professionals stating I owe {$280.00} to the University of XXXX  XXXX XXXX, of which the XXXX XXXX XXXX XXXX under. I was told by the representative when I paid the {$280.00} on XXXX XX/XX/XXXX that I had no further outstanding balance with XXXX XXXX XXXX XXXX. 

This hospital has ruined my credit and hinder my ability to provide for my children as I'm a XXXX XXXX military veteran.
Consumer complaint received 2021-08-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (AZ)

My loan was just transferred to SunTrust now Truist. What terrible service. They bought my loan and assigned me a new loan account # but never bothered to mail or email me the new number so I have no way to create an account online to pay it. Calling their customer support number it just hangs up or gives busy signal. Requested an immediate call via their XXXX  page ( where many similar complaints can be found ) no response.
Consumer complaint received 2021-08-09
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: EQUIFAX, INC. (GA)

Hello, I woke up today and notice inquired on my consumer report. I dont recognize the inquiries. I did not apply for anything. I believe the inquiries are fraudulent. XXXX  Equifax & XXXX  XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX  XXXX XXXX XX/XX/2021 XX/XX/XXXX
Consumer complaint received 2021-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (UT)

Chrysler Capital are reporting lates for XX/XX/XXXX20 and XX/XX/XXXX20 on my credit credit as well as my husbands. We ask that they please remove the lates from our file. We ended up contracting XXXX  and got very very sick and had to be in the hospital for well over a month. We really couldn't do anything, we had our family members helping us as much as they could but we got behind for a couple months on a few bills. This was not intentional, we had a very difficult time in the hospital. I ask they make a one time good will adjustment and remove the 2020 late notations from our file.
Consumer complaint received 2022-06-12
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)

The credit bureaus stated that my account was properly investigation, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under 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. 


I have sent several Disputes to XXXX, Experian and XXXX about the inaccurate items on that are reporting on my credit reports last sent XX/XX/XXXX. I requested documentations to proof and verification of these reporting 's. I still have not received the fact findings of the accounts. 
I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. They have refused to provide the proof of these accounts. NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 and SECTION 617 Kindly acknowledge this last composed OFFER OF SETTLEMENT BEFORE LITIGATION as my endeavor to genially resolve your proceeded with infringement of the Fair Credit Reporting Act in regard to your refusal to erase INACCURATE, Unverifiable and Invalidated data from my purchaser document. You have NOT given me a duplicate of ANY unique documentation ( A buyer contract with my mark on it ) as needed under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Moreover you have neglected to give the strategy for confirmation as needed under Section 611 ( a ) ( 7 ). If it's not too much trouble, be exhorted that under Section 611 ( 5 ) ( A ) of the FCRA you are needed to " promptly DELETE all data which can't be confirmed. 

You will find attached all the items that are not 100 % accurate. That I demand to be removed immediately.
Consumer complaint received 2022-06-13
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. (CA)

I sent my FTC REPORT and Credit letter off on XX/XX/2022 to Experian. I told Experian to remove XXXX fraudulent accounts : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX. I also told the credit bureaus to " investigate every piece of information '' on the accounts I have listed above. I also attached the letters I sent out and here is the Tracking number : XXXX. 

According to the FRCA, the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate.

And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. My credit report needs to reflect the deleted the above accounts
Consumer complaint received 2022-06-13
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Byrider Franchising, LLC (AR)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX  - XXXX XXXX Balance {$0.00}
Consumer complaint received 2022-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX, XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX, XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, are all inaccurate items currently reporting on my credit report. I need all of these items as well as all accounts associated with this information to be deleted from my credit report immediately. My name is XXXX XXXX XXXX and my only address is XXXX XXXX  XXXX XXXX XXXX, AR XXXXThanks