davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-15
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 (VA)

On XX/XX/2020, I got approved for the Bank of America Travel Rewards credit card. There was a XXXX welcome bonus and the associate told me that I would get it. The conditions were to spend {$1000.00} in the first 90 days, which I did. I never got an email about my bonus and when I called multiple times, they gave me misleading information. One call center person said that I first had to earn {$25.00} in rewards to redeem my bonus. When I recently got to {$25.00} in rewards, I called them. They said they would open an investigation but I never heard back from them. I want my XXXX bonus since it was a big reason for getting this card. I am very upset.
Consumer complaint received 2022-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (TX)

On XX/XX/2021, I was charged {$750.00} through a virtual account number on my Citi credit card that I do not use or carry. There was a charge before this one that I filed fraud on through the app, and it was resolved the second charge for the XXXX I had to call in after the call was disconnected I used the message service in the Citi app and opened up what was supposed to be a fraud claim for the XXXX. Citi then connected a possible fraudulent vendor and received a response with no information related to me, the account holder. Citi reversed and stated I was responsible. I wrote a letter stating the information did not match and should have never allowed the charge in the first place. They then wrote another letter stating they still would not reverse the charge. Citi Bank will not give me any information on how this has happened and will not reverse the fraudulent charge. I would not recommend anyone to use Citi Bank credit cards due to this security concern and lack of resolution and customer service.
Consumer complaint received 2020-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX This is the complaint on file. I have been on the phone with XXXX today as I have received 3 emails from " XXXX '' that did not come from XXXX according to the person on the phone. I have also not received the label to send back the microphone that was sent to me through fraudulent Identity theft. I am attaching the 3 emails from today XX/XX/2020.
Consumer complaint received 2022-03-31
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: Atlanticus Services Corporation (OH)

I entered into the Fortiva credit protection program which pays the minimum balance due for 6 months. Fortiva paid my minimum monthly bill, but reported to the credit bureaus that my account was past due, and it affected my credit score.
Consumer complaint received 2020-10-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Curfin Holding Company, Inc (IL)

In XXXX when COVID hit, I lost my job. I contacted my lender and notified them that I couldn't make payments, but I would try. They allowed me an additional 30 days to try and come up with a payment and I couldn't. I lost my place of residency as well. They XXXX   my vehicle because it was towed due to 2 flat tires I had and couldn't fix and XXXX police department towed it and they notified my lender. They went and retrieved it. I tried to call and get it back, but they said they already had out it up in an auction but if I wanted to purchase the vehicle outright, I can with the amount exceeding XXXX which I DEFINATLY do not have. I noticed a hard inquiry on my credit report yesterday and I contacted them thinking that someone tried to get a loan in my name, but come to find out that this lender ran my credit without my authorization and they said they sent me letter and did not get a response .. as I indicated to you I became XXXX   and I did not receive these letters. They told me that I just ignored them and I did not. I am trying so hard to repair my credit to the best of my ability, and I asked her why did she run a hard inquiry. She told me she can do that and she plans on doing a hard inquiry once a month which I do not agree with. She told me that if and when I'm employed, she will have my wages garnished to pay the remainder of my vehicle. I am scared. I am still seekinf employment and I am a XXXX mother with XXXX boys XXXX and XXXX and all of us live seperstky due to the Covid and the entire situation. I write to u because they are going to ruin my credit more than it already is. The way they conducted towards me is in acceptable and I fear what's to come. I tried to reason with them and they want one lump sum payment of half of what I owe which is about 4000 and I have nowhere near this amount of money. I explained I am XXXX, I do not work and I can't do what she is asking me to. They wouldn't even consider monthly payments. XXXX refuse to work with them any longer. I needed to reach out to someone because if she runs a hard inquiry once a month, I will never be able to have some kind of living environment for me and my boys, let alone if and when I do find a job, she thretenws to take my wages. What do I do.?? I couldn't even sleep last night. I hurried a son XXXX rates ago and his anniversary is coming up.. I have to go to XXXX because if all these problems. Please help me
Consumer complaint received 2022-03-25
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. (MS)

On XX/XX/2022, I mailed a letter to each of the three bureaus XXXX, TransUnion and XXXX. They have failed to provide me with the investigation outcome. I have requested that they PLEASE PROVIDE WHO they TALKED TO VALIDATION THE INFORMATIOIN, AND THE TIME AND DATE. THE INACCURATE INFORMATION THEY HAVE REPORT TO MY CONSUMER REPORT HAVE CAUSE ME STRESS AND TIME FORM MY JOB.
Consumer complaint received 2020-10-08
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. (MS)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting my dream house. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Help me! 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-05-23
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. (AL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX 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 2022-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-03-25
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now XXXX XXXXXXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX  XXXX  now.
Consumer complaint received 2022-12-13
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: Exeter Finance, LLC. (FL)

in accordance with fair credit reporting act EXETER FINANCE LLC Account number : XXXX has violated my rights. 

15 USC 1681 SECTION 602 STATE I HAVE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 USC 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.

15 USC 1681 SECTION 602 AI STATES INFORMATION SOLEY AS TRANSACTIONS BETWEEN CONSUMER AND PERSON ONLY.
Consumer complaint received 2022-12-13
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. (NJ)

In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under act 15 u.a.c 1681 ) 1 ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts in violation : XXXX XXXX number XXXX XXXX XXXX XXXX- acct number XXXX XXXX XXXX XXXX- acct number XXXX XXXX XXXX-acct number XXXX XXXX XXXX-No account number listed XXXX XXXX XXXX XXXX No account number listed 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Experian Information Solutions Inc. (GA)

My XX/XX/2020 XXXX XXXX statement listed a charge of {$24.00} made by EXPERIAN. I never authorized or knew of any kind of a charge on my XXXX XXXX card from EXPERIAN. I am a XXXX XXXX XXXX veteran and I have had an XXXX XXXX card for years. I never checked by billing statements as closely as I should have. When I contacted XXXX XXXX they admitted it was illegal for someone to use my XXXX XXXX card without my permission but their only advice was for me to contact EXPERIAN. I did some back checking and discovered that I have been paying this monthly {$24.00} charge for years. 
Thank you.
Consumer complaint received 2020-10-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC (NY)

Since XXXX of 2020 I have been trying with BMW to get a payment made on XX/XX/2020 posted to my account. I have called them numerous times and I have not gotten any results. they are still researching it. It is now XX/XX/2020. 
I spoke to XXXX  today in collections at BMW finance and he said that he could not locate the payment. He said my request is still open. On XX/XX/2020 I spoke with BMW Finance and was told to send a copy of the proof of payment from my bank to XXXX. I also faxed the proof of payment to BMW Finance on XXXX XXXX and spoke to XXXX who told me to fax it and it would be resolved within 48 Hours. See attached. The proof of payment shows that the check was sent by my bank on XX/XX/2020, that expected delivery would be XX/XX/2020 and that the check was cashed on XX/XX/2020. I keep being told by BMW finance that this was to be resolved with 48 Hours. That never happened. 
Also on XX/XX/2020 spoke to XXXX  at BMW Customer escalations and he said that there is an SR open looking into the complaint. XXXX looked again and found my faxed proof of payment but still could not confirm that the payment had been applied to my account.
Consumer complaint received 2020-10-08
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. (CA)

Dear administration, After my second complain credit agency add to my report more than 40 request for a loan. 
I do understand you make it angry and now they start discriminated me. 
They block my password and I can not log in, I am old and write my password to list, no chance any mistakes. 
After first complain was been 4 request for the loans, and two not belong to me at all, right now you can see attached list. 
I never do any from this requests. 
I had two credit cards, XXXX XXXX and XXXX XXXX, one loan from XXXX XXXX, XXXX car what take from XXXX XXXX. 
I do request from XXXX XXXX for credit card, they send me offer and when I fill this application they answer you do not qualifiyed, and XXXX XXXX XXXX. 
Please do not forget now easy find a location the person use mobile phone. 
I can bring you evidence I do not travel to this company or not do any request online, I have not debt and do not see necessary request for many companies about a loan. 
Right now this fraud from Experian, humiliates and discrimination. 
Please remove all what you add illegality!
Consumer complaint received 2020-10-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

My home insurance payment was supposed to be made by mortgage company, NewRez, from my escrow account. Payment was due on XX/XX/20. To date payment has not been received. The escrow department is impossible to get ahold of. When I finally did get a hold of someone they gave me the address they sent payment to. It was the wrong address. So now, they have sent my insurance payment to the wrong company and I have attempted to reach them multiple times to resolve this but I can not get a hold of anyone. My insurance payment is now 15 days overdue. Not sure how they sent my payment to the wrong company when I specifically sent them the bill with the correct address and payment amount on it!
Consumer complaint received 2021-04-05
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: CORELOGIC INC (FL)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

CREDCO inquiry XXXX. XXXX, 2020 XXXX inquiry XXXX. XXXX, 2020 XXXX XXXX XXXX inquiry XXXX XXXX, 2020
Consumer complaint received 2023-03-30
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: EQUIFAX, INC. (NY)

The right to contest my credit report is something that every American has. In accordance with the FCRA Section

611 ( 15 U.S.C. 1681 ( l ) ), I am exercising this privileg
e. I understand the nature of these proceedings - it's not just about whether or how much money was owed ( although we will explore both ), but also what kind of debt load can have on your life if they're left unchecked!

The report-ability of any derogatory and or delinquent act is oftentimes questionable. I challenge this notion as I do not believe in reporting something unless there's factual documented proof to support it. You must report compliantly and accurately per federal and applicable reporting laws of my state. It is unlawful and unethical to retain any information which you know or should know does not comply with regulations.This letter to you serves as a wake-up call to you to ensure that all data with my credit report is factual and in compliance with Metro 2 format reporting standards. I request that you validate with physical ( in writing to me as a response ) verifiable proof of permissible purpose for any of the alleged delinquent/derogatory accounts allegations of inquiry ( ies ) .Thankfully, I'm giving you 30 days to complete your investigation into the validity of this claim. If it's current and compliant with regulations then we'll leave things as they are ; but if not - well... I demand that you remove them from reporting ( my credit report ) immediately.I request that you send me physical documents proving your action ( s ) and my updated personal credit report following any correction ( s ). The following items appear questionable in reporting!