davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-16
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (IL)

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX Issue with Best Buy City Bank Credit Card - 5 % Cash Back Not Honored Hi there, I hope this email finds you well. I am reaching out to address a significant concern regarding my Best Buy City Bank credit card. I have made numerous calls to City Bank and Best Buy this week, totaling up to 10 calls in total. During these calls, I have opened two case numbers : XXXX and XXXX. Each time, the representatives have acknowledged that I am owed 5 % cash back for my purchases at Best Buy. However, whenever I am transferred to a supervisor to process the credits, the call either gets disconnected abruptly or the supervisor is unable to assist me. 

Interestingly, the representatives I have spoken to also mention other promotions related to gas stations, restaurants, and other entities that are not relevant to my situation. I solely use my card for purchases at Best Buy and nowhere else.

When making a purchase at Best Buy with my City Bank credit card, I am given two options : either to finance the purchase or to receive 5 % cash back. I always select the cash back option.

In an attempt to resolve this issue, I have spoken with two store managers at the Best Buy store in XXXX, IL. Both of them have reviewed my case numbers and have agreed that I am indeed owed the cash back. Unfortunately, they informed me that the issuance of the credit falls under the jurisdiction of Best Buy HQ, and they are unable to assist me further.

I am growing increasingly frustrated with the lack of resolution to this matter. I kindly request your urgent attention to this issue and prompt action to ensure that the 5 % cash back promised on my Best Buy City Bank credit card is honored. I would greatly appreciate if you could provide an update or clarification on how this matter will be resolved. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,
Consumer complaint received 2023-05-05
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: Experian Information Solutions Inc. (NC)

This is XXXX XXXX and I am submitting this CFPB complaint to request the removal of a fraudulent account from my Credit File under section 605b of the Fair Credit Reporting Act. While I appreciate the Credit Bureaus ' efforts to remove some of the disputed accounts and information, there is still an account on my report that should have been removed. Upon recently reviewing my credit report, I discovered an account that I did not open nor have any knowledge of, which has not been properly verified. I urgently require the removal of this account : XXXX XXXX XXXX XXXX Balance : {$0.00}. I want to make it clear that I did not authorize the opening of this account nor did anyone do so on my behalf. This is a case of identity theft and I am reporting it to the authorities. If the Credit Bureaus insist that the disputed items are legitimate, I demand that they provide me with supporting documents. Otherwise, I expect immediate deletion of the disputed items.
Consumer complaint received 2022-08-01
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. (MO)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX* Balance : {$970.00} ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXX  XXXX Balance : {$910.00} ; XXXX XXXX XXXX Balance : {$400.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$220.00} ; XXXX XXXX Bankruptcy XXXX XXXX CT XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX Bankruptcy XXXX Bankruptcy Court Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Consumer complaint received 2023-02-09
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. (AL)

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

15 U.S.C 1681 section 602 A. States 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2023-05-05
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 am writing to file a complaint regarding TransUnion 's verification process for the disputes on my credit file. I am a consumer who has been taking steps to improve my credit score, and I have made a number of disputes with TransUnion regarding inaccuracies on my credit report. 

Unfortunately, I have found that TransUnion 's verification process has been inconsistent and unreliable. Despite providing documentation and evidence to support my disputes, TransUnion has verified the inaccurate information on my credit report time and time again. 

This has had a serious negative impact on my credit score, as well as my ability to obtain credit and personal guarantee my business. I believe that TransUnion 's verification process is not in line with Metro 2 base standards, and I have concerns about the accuracy and reliability of their credit reporting practices. 

I would like the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter and ensure that TransUnion is held accountable for complying with the Metro 2 base standards. I also request that any inaccuracies on my credit report be thoroughly investigated and corrected in a timely manner. 

Thank you for your attention to this matter.
Consumer complaint received 2021-11-11
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: DISCOVER BANK (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-03-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by XXXX, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against LVNV FUNDING / RESURGENT CAPITALL. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Upon further investigation, I have retained new copies of my credit reports, and noticed that XXXX XXXX # XXXX did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, XXXX. 
I have retained a copy and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the CFPB and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 
I further remind you that XXXX, TRANS UNION and XXXX may be liable for your willful noncompliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).

I am aware of your illegal practices of sending form letters in response to disputes and challenges.

from consumers, regardless of the specific information that they have provided. This is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits. 
XXXX Terms Frequency : MISSING INFORMATION... There is inadequate information to justify a write-off status on my credit report for an account that does not even show XXXX, XXXX, or XXXX past due. this is an obvious error please delete it immediately. XXXX FCRA Compliance/Date of First Delinquency : Missing data and information. 
This account was never late and was also PAID IN FULL on time XXXX XXXX XXXX Please delete the error.
Consumer complaint received 2021-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

I have sent numerous disputer letters to Equifax, XXXX and XXXX  to remove all inaccurate information like wrong name, wrong address, inquiries, accounts and public records. 
My name : XXXX XXXX XXXX XXXX address : XXXX XXXX XXXX  XXXX, TX XXXX My DOB : XX/XX/XXXX Last XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX US XXXX XXXX XXXX
Consumer complaint received 2021-03-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I've disputed and requested re-investigations on several inaccurate items. 

Transunion is refusing to provide information and contacts used to verify inaccurate info on my consumer report. IMost recently I was sent a notice that only address one of the multiple items I disputed and it did not include any of the requested information. It is my right as a federally protected consumer to have this information provided to me within 15 days of request or the disputed account removed. They are in violation of 15 USC 1681a ( 6 ) and 15 USC 1681a ( 7 ).
Consumer complaint received 2021-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

For over a year, I have not been able to access my credit report with Transunion. Whether on XXXX or their direct website. I have and know my login and personal information that is never rejected for being incorrect. 
In counting, I have spoken with Transunion 8 times spanning from XX/XX/2020 to the present. I have spoken to phone agents, supervisors up to the " Special Handling '' department with no resolution or follow-up from them. They tell me that they don't know why I can not access it. 
Each time, I am forced to call back because my issue is left forgotten and when I do call back they act as if this is my first time calling. 
I have never threatened legal action, but now my patience is gone. It is my right per the FCRA to sue if I can not get access. If this issue is not resolved in the next 30 days by Transunion, I will be seeking legal council. All I want is the ability to view my Transunion credit report.
Consumer complaint received 2021-03-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (AZ)

I am a victim of identity theft. The tradeline, which appears on my credit report from CONVERGENT XXXX XXXX last reported XX/XX/XXXXin the amount of {$820.00} does not relate to any transaction ( s ) credit account I have ever had. It is the result of identity theft. I received a copy of my credit reports and discovered this trade line on my credit report. I did not authorize this account or transaction. I did not apply for any credit with this company and have no existing accounts with XXXX XXXX. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. I have contacted both CONVERGENT XXXX  XXXX individually and have not received any reply back
Consumer complaint received 2021-03-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC (OH)

The student loan service provider for XXXX XXXX XXXX XXXX XXXX, University Accounting Services " upgraded '' their site a few months ago. Before their site was XXXX and now it is XXXX. The old site looked about the same and ran very fast. The issue I've been dealing with is that they have put absolutely no effort into making sure that this new site runs properly. Pages consistently take more than 10 seconds to load, if they do at all. And most importantly, I can't download any of my statements or tax documents. I can't file my taxes because I can't access the document via their website. 

I'm a software engineer, so I am well aware of how these sites work. My internet connection is about 400mbps, so I'm sure it's an issue on their end. Their use-case is not that complicated or computation-expensive. There is absolutely no excuse for their website to run this slowly. They need to invest some of the interest they're making on my education into at least using more servers. I am filing this because this issue has been going on for months with this company and they have done nothing to fix the issue.
Consumer complaint received 2021-03-27
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: CITIBANK, N.A. (FL)

XX/XX/20 Ordered Printer for Step Daughter as tool for XXXX XXXX XXXX {$440.00} XX/XX/20 Step daughter email exchange ending in agreement with Seller to return printer for refund less restocking fee of {$130.00} ( 30 % ) for a refund of {$300.00}. CC still billing me for full amount of a printer that the seller has?? 

XX/XX/20 Printer returned as agreed XXXX track # XXXX proof retuned, please check yourself I just did again and it shows he signed for printer.
Consumer complaint received 2021-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

I used part of my stimulus to pay off credit card debt and my score plummeted by 69 points on XXXX  and Equifax. I was alerted by XXXX XXXX. It's very obvious that the system does not calculate credit scores accurately. I have a 100 % record for paying timely. XXXX  is not involved with XXXX XXXX and shows the score over 600.
Consumer complaint received 2022-08-01
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. (PA)

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be DELETED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : $ XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$660.00} XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX A ) XXXX Balance : {$680.00} XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$520.00} XXXXXXXX XXXX  XXXX XXXX XXXX : {$83.00} XXXX XXXX Balance : {$0.00} XXXX & XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1700.00} XXXX XXXX  XXXX Balance XXXX {$1300.00} XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX Balance {$540.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$900.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-08-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (OH)

I was selling a textbook on XXXX XXXX for XXXX dollars and a woman named XXXX XXXX on XX/XX/2022 reached out to me asking if the textbook was still available. She specifically asked to use Zelle to transfer the money for the textbook. I have Zelle which is linked up to my XXXX XXXX bank account, so I responded with " yes. '' XXXX proceeded to tell me that she sent the XXXX dollars to my account. Later that day on XX/XX/XXXX I received an email that said I needed to contact the sender and send them an additional XXXX dollars so my Zelle account can be upgraded to a business account and the transaction can proceed. XXXX said that the XXXX dollars would be refunded after the transaction. Then on XX/XX/2022 a 2nd email was sent to me from XXXX saying that my Zelle account has still not been fully upgraded and another XXXX dollars would need to be sent to the account with the email XXXX and whose name was XXXX XXXX. The email said after this transaction the XXXX dollars and XXXX dollars would be refunded and the transaction with selling the textbook could proceed. After sending both the XXXX dollars and XXXX dollars I realized that this was not a real Zelle support team email and was being scammed.
Consumer complaint received 2021-03-27
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 — Problem with personal statement of dispute
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Fifth Third bank has improperly reported on my credit report a late payment. I have tried with them and through the XXXX  to get them to reverse it and they refuse. I contacted them the day my business was mandated closed by our state and had numerous phone calls and emails with numerous staff and not once was I told that I had to call any other person or number to note that my small credit card also needed stopped. My mortgage, business line of credit, and bank accounts all were stopped vis the branch manager and the staff I called or emailed and I had no idea I had to contact yet another number for the small crest card I have with them. The CARES Act notes that once you contact them they should stop all reporting. Fifth Third did not specify that multiple parts of their company needed to be contacted. The branch manager even tried to help me with this because it is absurd considering the volume of communications and problems I have had to try to survive through this. I contacted them even before any COVID processes were in place and then almost daily for weeks with the issues I had. As a small business owner trying to survive, this has hurt my credit report SO much. The payment was only {$35.00} and I have almost all of may accounts with them Not only did they not tell me to call another area for this, I never did not have {$35.00} to cover this. This is sheer harassment and unethical in such a time.