davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I applied for an XXXX  XXXX credit card from Bank of America using a link from the XXXX  XXXX website to a Bank of America website. The information on the XXXX  XXXX website and on the Bank of America website offered a promotion of XXXX XXXX  XXXX miles if I spent {$8000.00} within 90 days of opening the account. The promotion was very clear and was on the same page as the application I completed, so I definitely applied under that promotion. After I spent the required amount, Bank of America only credited me with XXXX XXXX  XXXX miles. 

I contacted Bank of America and spoke to several representatives and supervisors. I provided detailed information to them. They all told me that they had no authority to correct anything - they could only submit a case to a back office to do " research ''. I received a letter to call them. When I called, they told me that the back office had completed their " research '' and that I had applied under a XXXX-mile promotion. That is not true. The back office did not actually do any research. They only looked at the promotion code that their website had entered incorrectly. They also told me that there was nothing anyone could do and there was no one I could appeal this to. 

I have included detailed information in attachments. I have also attached a copy of the application webpage showing the XXXX-mile promotion on the same page as where I entered my information and submitted my application. 

I had applied for this credit card specifically to get XXXX XXXX  XXXX miles to purchase two tickets for an XXXX  XXXX next year, and I spent {$15000.00} on this credit card so that I would have the needed XXXX miles ( with the XXXX-mile bonus ). I already had to spend {$970.00} for the two XXXX  XXXX tickets, since I needed tickets to a specific destination only served by XXXX  XXXX on a specific day to meet a cruise, and these tickets may not be available later. I should have been able to get these tickets using the XXXX  XXXX miles they should have given me.
Consumer complaint received 2021-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/2021, I opened a bank account with Chase Bank online. 

Once they authorized the account I had my direct deposit information sent to them and on XX/XX/XXXX, when my direct deposit was received, I went to check my account. 

At that point I was informed that my account has been suspended. I was then told that to gain access to my funds, I needed to go to a branch with various forms of ID. When I explained the difficulties of making it to a branch ( I live in a small town with no public transportation to any of their branches ) I was asked why I even started an online account with them in the first place. 

I've now been locked out of my account and my paycheck for 9 days and considering that it's a the day banking holiday, I'm now supposed to wait for a check that'll arrive at some point. 

I don't know how it's legal for a company to accept a person 's money and then deny them access to it.
Consumer complaint received 2021-10-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC (CO)

Receivable Management Partners, LLC, attempted an unsolicited telephone call to my mother to collect a debt that they reported I owe, which does not exist. They said the debt was from an insurance company and medical company that we do not have affiliation with. I could not obtain solid information on what companies those were. The debt collector was purposefully mumbling their company title, so I XXXX  the phone number and many reports came up that their company commits this type of fraud repeatedly.
Consumer complaint received 2024-11-28
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NC)

I am writing to file a complaint regarding Citi 's handling of a membership fee on my Citi AAdvantage credit card. When I signed up for the card, I was informed of a promotional offer that waived the membership fee for the first year. 

Before the year was up, I contacted Citi to convert my card to a no-fee credit card to avoid the membership fee. I was told by Citi 's customer service that I could not convert the card until the one-year promotional period was complete. They also assured me that if the membership fee was charged after the one-year period, it would be refunded once the card was converted to a no-fee option. 

When Citi notified me that the membership fee was about to be charged, I called again and converted the card to a no-fee option as instructed. However, the membership fee has now appeared on my statement, and when I contacted Citi to dispute the charge, they informed me that the fee could not be refunded in full. Instead, I was told I would need to pay a prorated amount for the period until today. 

This contradicts the assurances I was given multiple times, both when I initially inquired about converting the card and when I converted it to a no-fee option.
Consumer complaint received 2022-08-22
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. (CA)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. I am submitting this CFPB complaint to you today to request the correction of the following disputed accounts and information from my Credit report. I have read that the XXXX XXXX XXXX are required to provide copies of proof of documents or verification bearing my signature. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$9600.00} Date opened XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$4300.00} Date opened XX/XX/2018 XXXX
Consumer complaint received 2022-12-15
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: Experian Information Solutions Inc. (CA)

This is my fourth 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 alleged fraud or extortion. 


XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$690.00} ; XXXX XXXX XXXX Balance : {$710.00} ; XXXX XXXX XXXX XXXX Balance : {$2600.00}
Consumer complaint received 2021-12-08
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: NAVY FEDERAL CREDIT UNION (OH)

Navy federal, XXXX, XXXX And XXXX has violated my rights under the FCRA which has cuased actual damges of XXXX XXXX XXXX XXXX XXXX Defame of character, and Reduction of credit limit I've sent out several letters the last one dated on XX/XX/2021 that none of the companies named above responded to I Will attach document to the complaint. I Also have corespondence from XXXX federal stating they could not do a proper investigation which means the account should have been removed I asked for an original document bearing my signature and no one was able to provide me what I requested. They just kept saying that the account was validated but an account can not be validated without a contractual agreement bearing the consumers wet signature. XXXX XXXX and XXXX allowed Navy federal to report account # XXXX account # XXXX Knowing the accounts are inaccurate. Transition and XXXX closed the accounts instead of removing the account and XXXX has not taken the time to do anything at all. I will attach all supporting documentation and I Demand for the account 's to be removed immediately from my consumer report
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent documents to XXXX, Transunion, XXXX via certified mail last month XX/XX/2022 i have yet hear any response back, it was about incorrect reporting info about all the hard inquiries I have on my credit file which I did not do, someone stole my identity a while back and there still out there applying for things in my name, I've have had a fraud alert in place on my file that anyone trying to get credit to call me and verify. I did not receive any calls back or anything for any of those I did not verify any of those. the only think I have has a hard inquiries should ne XXXX XXXX XXXX XXXX my bank that's all I've applied for I want all this inquiries removed that were fraudulent done there's multiple ones on there of the same thing over and over I also sent over letter that XXXX accounts to be removed immediately for wrong inaccurate reporting i will attach letters sent along with FCRA violations committed these accounts have been paid in full and the lender agreed to remover them
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2022-06-27
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC (MI)

They sent my cousin a text message with a link to a debt will all of my information in the text. he responded stop but they keep texting all my information to family members. I am seeking out an attorney to go after that for giving out sensitive information to other people.
Consumer complaint received 2021-12-08
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. (FL)

I the consumer submitted a CFPB complaint ( ID # XXXX ) for experian on XX/XX/XXXX which is provided as exhibit A. That complaint was made because i sent a dispute letter regarding accounts and didnt get a response. In the response to the complaint Experian stated that they did an investigation and verified that all accounts were verified as accurate. Experian is currently reporting that the XXXX  XXXX account open date is XX/XX/XXXX and the last payment date is XX/XX/XXXX which is provided as exhibit C. In exhibit B i have a statement from XXXX XXXXe stating that the date the account was open was XX/XX/XXXX and the last payment date as XX/XX/XXXX. This shows that Experian is currently reporting inaccurate information on my report after stating they verified everything reporting was accurate. This is not the time to update information due to that should have been done after the first letter was sent. Now that i have pointed out these mistakes, by updating information will be admission of XXXX There is no way experian could have done a proper investigation in accordance with 15 USC 1681i due to the inconsistencies coming after my first dispute. I demand that this account be deleted immediately or i will have no choice but to seek legal counsel in regards to the amount of Federally Violations under FCRA experian is currently committing.
Consumer complaint received 2023-10-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: FIFTH THIRD FINANCIAL CORPORATION (VA)

I had a mortgage with XXXXXXXX XXXX  XXXX. It was on AutoPay and I never missed a payment from the beginning in XX/XX/2022 through XX/XX/2022. During this time I received regular emails from the company. In XX/XX/2022 the mortgage was sold to Fifth Third Bank. I did not receive any notice of the loan transfer, from either mortgage company, via email or mail. Fifth Third Bank claims my mailing address must have been incorrect with XXXX, but Fifth Third never tried to email me either. Fifth Third also claims they tried to contact me by telephone, but all I received were voicemails that sounded like phishing scams. I did not find out my mortgage had sold until several month later, when I contacted XXXX to ask why they hadn't been drafting my autopay. By that time I was several months behind on my my mortgage, my credit score and my co-signor 's credit score had suffered terribly, and the lump sum required to bring my mortgage current was burdensome. Additionally, Fifth Third Bank never attempted to contact my co-signor. Fifth Third Bank did not meet its obligations in notifying me of the loan transfer.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-11-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (IL)

My XXXXXXXX XXXX Account was suspended due to a disputed transaction on XX/XX/XXXX. They have asked to me to provide proof that I have no disputed transactions or that I have canceled the disputed transaction. I have contacted Us bank asking for such information and they informed me that I have no disputed transactions. But they can not provide me with a email or statement stating this. I even asked for a dispute history report. They said they can not provide me with that information unfortunately. I need this information to be able to get back into my XXXX Account. Us Bank is not trying to help because I only have a savings account with them.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act. The List of ITEMS below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told Experian, XXXX, and XXXX to reinvestigate these iTEMS : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$15000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX BL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$170.00} XXXX XXXXXXXX Balance : {$2200.00XXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX However, they stated that everything was completed and accurate. But how is that possible if the open date, date of last activity, and much more are incorrect? According to 15 USC 1681i ( 5 ), they are supposed to modify what isnt reporting correctly.

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.

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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-20
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: EQUIFAX, INC. (FL)

in accordance with the Fair Credit Reporting act Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2021-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (SC)

Not sure if what I sent went through. Trying again to submit complaint. For 2 years I have been diligently working on obtaining an new home. I was approved for a home with credit scores in XXXX 's and above for XXXX XXXX. My next review of my scores will be in XX/XX/XXXX. 

My due date to make car payment is the XXXX of each month. In XXXX ( on or before the XXXX ) I received a call asking for payment. I sent {$490.00}. A few days later another call came in asking for payment and I sent another payment ( thinking that something went wrong with the first payment. Internet has been slow these past few weeks. So I contacted the company and asked for a copy of transaction history to see what had happen to my payments. I had the two confirmation text, but I was still getting calls so was concerned. I saw that I also had a email from fico.com stating that my credit rating had drop from Santander submission. I went to check and my Fico scores were now in the high XXXX. All three bureau had dropped my points by XXXX points. I was very upset and contacted Santander. 

I spoke to first Santander representative and she stated that my account was 30 days past due. I stated that my monthly due date was XXXX each month. She stated she did not see that in her system. I stated that it is in the system, because 3 years ago I requested the date change and it was approved so that my due date would fall near my pay date from work. I asked to speak with manager and a man name XXXX came on the line. He verified my payment date of XXXX ( employee ID XXXX ). I stated to XXXX that I had a copy of my payment transaction history from Santander for the last 2 years and it showed where I made 2 payment in XXXX ( which covered XXXX and XXXX ) within the 30 days time period and that this may have thrown off the count for them. XXXX referenced a XXXX missed payment, which I stated that that date was within the 30 day time frame as well and that that time period was marked over 30 days late as well in error. I asked if the mis-reporting could be corrected and he stated no that Santander does not make corrections to credit reporting on dates that fall out of the 30 day window. I stated to XXXX that for XXXX years, I have paid on time within the guidelines and at the end of the conversation I realized that this company did not want to admit their fault. 

I am providing the Santander transaction history for 2 years and a snapshot of myfico to show that every month I have pay within the guidelines and only have 2 past 30 days in which they are not past 20 days ( due date for payment is XXXX each month ). 

To say that I need this corrected asap is an understatement. For mortgages, the scores have to be XXXX and above and I was in the XXXX and high XXXX. 

I in turn need this corrected as I have done exactly what I was suppose to do.
Consumer complaint received 2024-10-15
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: Experian Information Solutions Inc. (CA)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act, the following reported accounts has violated my rights : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX 15 U.S.C 1681 section 602 ( a ), states I have the right to privacy.

15 U.S.C 1681 section 604 ( a ) ( 2 ), also states a consumer reporting agency can not furnish an account without my my written instructions.