davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-04
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. (NC)

I received an offer from Experian offering XXXX XXXX with soft pull inquiry using data provided from credit bureau ( XXXX ). I agreed to the offer for soft pull inquiry and entered my personal information, including full social security number. Somewhere along the line a hard pull inquiry was submitted to XXXX without my consent. I was alerted the next day that there was a hard pull on my XXXX report. I immediately called XXXX XXXX rep who stated the offer may have began as soft pull but once I was approved they ran a hard inquiry on my credit. This hard inquiry was obtained without my consent. I only agreed to soft pull as I'm not interested in obtaining any unnecessary personal credit cards currently. The rep said the card was already sent in the mail and there was nothing XXXX XXXX ( processor of XXXX XXXX ) could do about it. I never activated the card because I didn't agree to a hard pull nor did I agree to open the account once I saw the unauthorized hard pull on my XXXX report. However, XXXX is reporting that I opened an account on XXXX ( which I immediately called to cancel due to fraud on their end ). The XXXX card still came in the mail and didn't show as closed in their system 2 weeks later on XX/XX/22. Please investigate the matter as this practice is very deceptive and being advertised as soft pull, only to lead customers blindly into a hard pull against their knowledge. This partnership with Experian and XXXX XXXX XXXX card fraudulently obtains credit information with hard pull after advertising to consumer as soft pull. Experian 's exact wording in emails received states : " XXXX XXXX is a different kind of credit cardyou can see your credit limit and interest rate offer without impact to your credit score ''. I've attached proof of the advertisement that I received for regularly for months before deciding to accept.
Consumer complaint received 2022-08-20
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, THE FOLLOWING COMPANIES VIOLATED MY RIGHTS AS A CONSUMER. THE CREDIT REPORTING AGENCIES STATED THE FOLLOWING WERE PROPERLY INVESTIGATED BUT THERE ARE MULTIPLE FACTORS THAT SHOW INACCURACIES, WHICH IS GROUND FOR REMOVAL. 

ACCOUNTS XXXX XXXX XXXX XX/XX/XXXX {$17000.00} XXXX  XXXX XX/XX/XXXX {$85000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$4200.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$15000.00} XXXX XXXX XXXX XX/XX/XXXX {$11000.00} XXXX XXXX  XXXX {$8000.00} XX/XX/XXXX INQUIRIES XXXX XXXX XXXX XX/XX/XXXX 15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN CONSENT.

15 USC 1681 611 ( 2 ) ( a ) STATES THE CREDIT REPORTING AGENCIES HAVE 5 DAYS TO NOTIFY ME OF WHEN THEY RECEIVE MY DISPUTES.

15 USC 1681 SECTION ( 5 ) ( a ) ( I ) ( II ) STATES IF ITEMS ARE FOUND INACCURATE OR CAN NOT BE VERIFIED THE CONSUMER REPORTING SHALL PROMPTLY DELETE THE INFORMATION FROM THE FILE OF THE CONSUMER.
Consumer complaint received 2021-01-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This is a copy of the letter I sent to the manager at my local Bank of America branch, after having spent several months trying to get them to pay me the bonus amount as agreed. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX, XXXX Bank of America XXXX XXXX XXXX XXXX, CA XXXX Dear Sir ( s ), Ref : Advantage Bonus Savings Account Ending in XXXX I am writing to you with reference to the above account which I opened in person at your XXXX XXXX XXXX branch in XXXX, CA in early XX/XX/XXXX, as despite numerous visits to the branch, phone calls and emails to XXXX XXXX, I am still awaiting my bonus that was due at the end of XX/XX/XXXX. 
During the summer of last year, I received a promotional online notification stating that if I opened an Advantage Savings account and deposited {$20000.00}, I would in turn receive a {$250.00} bonus after 90 days. Initially, I tried to open this myself online but continually received an error. As a result, I went into the above mentioned branch and with the assistance of both Mr. XXXX and the branch manager ( XXXX? ), I opened the account and was assured that the {$250.00} bonus would be in my account after the 90 days. 
On XXXX XX/XX/XXXX, I transferred my {$20000.00} into the BofA Advantage account and there it sat until XXXX when I realized I had not yet seen the bonus. I went into the branch three times to speak to Mr. XXXX, I emailed him at least 6 times with no answer, and called into the branch. One time Mr XXXX did actually return my call and assured me that the money would be in my account after 14 days. That was in XXXX. The money never did show up and since that time I have continued to call to ask when I might receive it. Now the branch is temporarily closed, for how long I have no idea. 
As you can imagine, this is very frustrating. Ive been a loyal client since XXXX and could have earned interest elsewhere with my {$200000.00}, including XXXX XXXX, who at the time were running a similar promotion. Needless to say, I chose BofA as Ive always been happy with the service I have received. I am enclosing documentation of my attempts to rectify this, and would very much appreciate your immediate attention to resolving this matter. 
I look forward to hearing from you very soon. 
Best regards, XXXX XXXX
Consumer complaint received 2022-08-15
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. (SC)

Credit Protections Under the Coronavirus CARES Act Under the CARES Act, if your account is up to date and you make a debt-relief deal with a creditor, that creditor must continue to report the debt as current. If you miss one or more loan, credit card, or mortgage payments because of the coronavirus ( COVID-19 ) pandemic, the creditor can report you as delinquent to the three main credit reporting bureausXXXX, Experian, and XXXXand your credit score will take a hit. The CARES Act, which was signed into law on XX/XX/XXXX, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances. ( See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) Under the amended FCRA, if a " furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments. ( A " furnisher '' is an entity, like a lender or creditor, that provides information relating to consumers to one or more credit reporting agencies for inclusion in a credit report. ) XXXX XXXX XXXX XXXX Last 4 of account # XXXX XX/XX/XXXX ( XXXX, XXXX )
Consumer complaint received 2021-05-18
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. (PA)

I have reached out via mail to the following credit bureau about a collection company that's reporting on my credit. I have asked for validation if such debt is owed.
Consumer complaint received 2022-08-15
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. (OH)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX  XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXXXXXX XXXX XXXX Date Opened XXXX XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$76.00} XXXX  Inquiry Date XX/XX/XXXX XXXX
Consumer complaint received 2022-05-05
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: Navient Solutions, LLC. (TX)

I received an alert from XXXX Credit Report Monitoring system of XXXX points decrease, BECAUSE Navient is reporting inaccurate, unverified, not validated and frivolous account ( s ) information to include a " LATE PAYMENT ''. Please take notice UNDER the Fair Credit Reporting Act ( FCRA ) NAVIENT is VIOLATING my federally and state protected consumer rights to privacy and confidentiality under 16 USC 1681 and 15 USC 6802 ; The law clearly states a consumer reporting agency CAN NOT furnish an account WITHOUT MY WRITTEN INSTRUCTIONS. Moreover, under the FDCPA debt collectors are NOT allowed to communicate with me ( the consumer ) under 15 USC 1692C. Additionally, NAVIENT IS IN GROSS NEGLIGANCE due to the fact of National COVID-19 Pandemic and " on XX/XX/2022, the U.S. Department of Education ( ED ) extended the student loan payment pause through XXXX XXXX " This PAUSE includes : A SUSPENSION OF LOAN PAYMENTS, A 0 % INTEREST RATE, STOPPED COLLECTIONS ON DEFAULTED LOANS. CFPB please address and correct XXXX and Navient, and please refer this CLAIM to any and all Offices of Redress to address these violations being committed against me, the consumer and more than likely many other people in the public, and across the united states of America! ThANK You!!
Consumer complaint received 2021-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I followed links from CFPB to Transunion to get a free copy of my credit report, which I now have. Somewhere in the process they signed me up for some sort of ongoing service and charged my credit card {$26.00}. I cancelled the resulting subscription as soon as I became aware that they took my money. 

I was not shown a price, they asked for the credit card info which I furnished, but was never told I was buying anything.
Consumer complaint received 2022-08-15
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. (OH)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXXXXXX XXXX XXXX Date Opened XXXX XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$76.00} XXXX Inquiry Date XX/XX/XXXX XXXX
Consumer complaint received 2022-08-20
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 (NV)

Hello, This complaint is about my Bank of America XXXX XXXX XXXX credit card ending in XXXX. 
My XXXX XXXX loyalty number is XXXX I'd like to start off saying that I didn't want to file this complaint on Bank of America . I LIKE Bank of America. I like their website and I like going to the branch. I don't want to have a problem with Bank of America. I have a business account there also and I intend to keep it there. I really wish I didn't have to do this. 

This is actually a very simple problem, but I can't seem to get anyone at Bank of America to even UNDERSTAND the problem no matter how many times I call or explain it to them. 

I filed two cases : Case # 1 : XXXX Case # 2 : XXXX The reason I filed a second case is that I received a letter with the first case number telling me that they had resolved the issues. The issues were not all resolved. All but one issue remains outstanding. 

My offer for my card that was approved on XX/XX/2022 was as follows : XXXX XP ( experience points ) upon card approval ( NOT RECEIVED ) {$100.00} statement credit ( RECEIVED ) XXXX XXXX miles ( RECEIVED ) An additional XXXX XP ( experience points ) bonus ( RECEIVED ) I've received everything except the XXXX XP that I should have received upon approval. I simply got nothing. In looking at my XXXX statement, one can clearly see that the XXXX miles was issued and the XXXX XP " subsequent bonus '' points were issued, but I never got the XXXX XP upon card approval. 

Why is this so hard for people to figure out? 

Please look at my screenshots and please issue me the XXXX XP. I should be silver status right now for XXXX XXXX XXXX XXXX. I thought this would have happened by now and it hasn't - because the terms on my credit card were not fully honored. I recently even flew XXXX ( boarding pass attached ) and I had to forfeit a lot of benefits because I wasn't a silver level member. I should have already been a silver. 

THE SCREENSHOTS AND THE XXXX STATEMENT ARE SELF-EXPLANATORY. 

I'm sorry that I had to file this complaint. 
I hope that Bank of America doesn't retaliate because I really do like them. 
Please don't resent me as a customer for filing this complaint. Believe me, I've tried to explain it several times over the phone, and each time there is some kind of erroneous conclusion to my issue. 
Best regards, XXXX XXXX XXXX
Consumer complaint received 2019-03-21
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. (GA)

XXXX  and Transunion are reporting incorrectly that I am 120 days late with the XXXX/XXXX  partial account numbers XXXX and XXXX. These accounts reflect a {$0.00} balance and {$0.00} past due. It is impossible to be past due on an account with {$0.00} balance and {$0.00} past due. I have contacted the two bureaus to fix this issue. This incorrect reporting is harming my credit score.
Consumer complaint received 2022-04-12
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Back on XX/XX/2022, I sent Transunion a dispute letter to dispute the inaccuracies on my credit file. On XX/XX/XXXX, I received a response from Transunion that stated, I hired a credit repair company. 

Their is no law that states I can not hire assistance with helping my credit file. They failed to give me a full investigation of the accounts on my credit file.
Consumer complaint received 2022-02-04
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: EQUIFAX, INC. (GA)

Hi thank you for the opportunity to present the serious errors on my credit file and back and forth issues I am having with the credit bureaus. I have accounts that do not belong to me on my credit report. I also have accounts statuses listed as late on accounts that have always been current. I have even sent in letters from the companies to the bureaus to show proof and this is STILL not corrected. The power the bureaus have over the people is unconstitutional and not aligned with the consumer laws. In Title 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer the bureaus are to get full consent from me to do anything with my file. Here I am having to file complaints and court proceeding just to make them correct what needs to be corrected. The accounts XXXX  XXXX, XXXX XXXX and XXXX do not belong on my credit report.
Consumer complaint received 2022-08-20
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Nelnet, Inc. (CA)

XX/XX/2022 FTC.gov I have notified Nelnet that there are two fraudulent student loan accounts that they are reporting on my credit report. They have refused to update my credit report and remove the fraudulent information. I have filed a federal complaint regarding these fraudulent claims that I have student debt with the federal student aid commission as I did not take out any student loans in the amount Nelnet is reporting on their behalf. I had a student loan in the amount of {$7000.00} and the loan was paid it in full with XXXX XXXX. This information that Nelnet is reporting is outrageous and fraudulent in my name. The two loans that are showing are in the amount of {$76000.00} and {$15000.00}. I have asked the federal student aid commission to investigate the fraudulent claims reported by Nelnet regarding debt taken out in my name without my consent. This has severely ruined my credit. Although I have finally been able to purchase a home, this nonsense has caused a great deal of grief and stress for me.
Consumer complaint received 2021-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX today I contacted XXXX XXXX regarding account ending in XXXX, that is still showing up on my credit report. I spoke to someone in card services, who then transferred me to the recovery department who then transferred me to collections, then to fraud, then back to card services, then back to recovery, then fraud, then collections after speaking to 11 different people, a crossed 4 different departments, nobody was able to help me resolve this. I had previously asked for an itemized statement because I believe someone used my account. After speaking to someone in collections, they let me know that the balance was {$120.00} dating back to XXXX. I asked what I needed to do to get this off my credit report. They said they could not take any form of payment due to it being flagged by fraud and theyd transfer me back to the fraud department. I spoke to the fraud department and they said they couldnt take payments and would transfer me back to the recovery department I was then disconnected. 
Then on XX/XX/XXXX I received a phone call from XXXX XXXX requesting payment. I told them I would settle for {$120.00} if they agreed to a pay and delete and they agreed so I sent a letter with my check for them. 
On XX/XX/XXXX they cashed my check but it still remains on my credit report.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (IN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX SELF XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Date : XX/XX/XXXX RE : Late Payment Removal Balance : {$440.00} This letter serves as my explicit instruction and written notice. 

This account is a billing error. A creditor that fails to comply with the requirements outlined in the XXXX Credit Billing Act forfeits any right to collect from the obligor This is not a refusal to pay but a notice that this alleged debt is disputed. 12 CFR 1026.4 defines a finance charge. I respectfully request your company provide me with documentary evidence that clarifies this billing error. 

What authority do you have to collect debt in the United States? 

I consummated this consumer credit contract under good faith and credit. 16 CFR 433.1 ( i ) states Consumer credit contract is any instrument which evidences or embodies a debt arising from a Purchase Money Loan transaction or a financed sale as defined in paragraphs ( d ) and ( e ) of this section. In accordance with regulation Z, you can be fined up to {$5000.00} for giving false and inaccurate information as well as not providing the consumer with proper and respective disclosures. 

I have reason to believe your financial institution is violating federal law by knowingly furnishing false credit information. It is impossible to be late on an extension of credit. No law under the Fair Credit Reporting Act requires your financial institution to report negative information to a consumer reporting agency. I do not consent to the furnishing of any negative information to any nonaffiliated third party. Furnishing this false credit information is a violation of federal law and a violation of my right to privacy. The Right to Privacy was declared a fundamental right by the Supreme Court in Puttaswamy v. Union of India. 2017 Furnishing false credit information to a nonaffiliated third party as a means of coercing payment on an extension of credit constitutes racketeering activity. Furnishing late payments is your institutions policy. Your company policy does not supersede federal law. I am demanding that all late payments are UPDATED to PAID AS AGREED and a DELETION of each late payment be submitted to the credit reporting agencies immediately to prevent y consumer credit reputation from receiving further harm. 

I am keeping careful records of all correspondenceor lack thereof- made via mail, telephone, and other means of communication. Your response must be provided within the allotted threshold for this communication. 

Sincerely, XXXX XXXX UCC XXXX
Consumer complaint received 2021-05-18
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (CT)

Yesterday I received a letter from comenity capital bank for XXXX XXXX stating that someone one had applied for a credit card under my name and It was denied. I never applied for a credit card with that company. I have not even been to a XXXX for a over a year. They also sent another letter under a strange name to my address.