davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-29
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: BARCLAYS BANK DELAWARE (NY)

I had applied for a Wyndham Rewards Credit Card at a timeshare presentation in XXXX of 2022. I had a timeshare purchase made on the card and had it cancelled a couple of days after due to pressure tactics and had not used the card until XXXX after being promised a promotion. 

Upon further review, I noticed Barclays was offering an introductory XXXX Bonus points if the card was used for purchases totaling {$1000.00} within the first 3 Months. Prior to using the card, I had a conversation with XXXX on XXXX XXXX via an online chat which I will include. I had asked her if I were getting the promotion being offered online to which she responded I was not and and advised me I was getting a different promotion. After asking her why I was not as it is listed on the website, She came back and said she does show the XXXX bonus points and will submit a ticket to ensure I receive the promotion after completing the requirements. 

I then started using the credit card ( to which I am sure Barclays received a nice profit from merchant fee 's ) and had used the credit card for all my purchases for the next 2 months to guarantee I spent over {$1000.00}. In total spending well over {$2500.00}. 

When I called to ask about the issue I was told by several representatives the issue will be reviewed and I will be contacted. After finally calling again on XXXX XXXX at XXXX, I received an unsatisfactory response from the credit card company. 
The last representative XXXX, rep ID XXXX, stated bluntly, you are not getting the bonus points because that was not part of the terms and conditions of your credit card offer. After explaining to XXXX, my conversation with the other representative XXXX on XXXX XXXX she did not care and stated it doesn't matter what was said. 

I want to reiterate, and stress, the only reason I used this credit card in the manner I did was due to the conversation with a representative and Barclays is not holding up their end of our expressed contract. This is not only horrendous customer service but fraudulent in nature. 

In utmost dissatisfaction with the company, I had cancelled the credit card on XXXX XXXX. Please assist in obtaining what was offered to be added to my Wyndham rewards account XXXX.
Consumer complaint received 2024-11-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against th
e credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "
Consumer complaint received 2022-06-06
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Freedom Mortgage Company (VA)

I am a victim of identity theft. I have no contract nor have ever received any benefits from FREEDOM MORTGAGE. I have no knowledge of this company. I deny their claim that I owe them {$280000.00}. I have never received any cash transaction nor tangible tender in that nor any amount from them nor any of their affiliates and I decline to perform on any unverified note unless I am given the said amount above in cash. No payments will be made until an original note is produced and proof of ownership of said note is produced by affidavit. There are also forged signatures on said note that are not mine.
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXXXXXX 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 Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This XXXX Complaint is to notify you if you do not REMOVE the listed items on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance.
Consumer complaint received 2022-06-06
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. (NJ)

Ive sent letters off and receipt confirmation on XX/XX/XXXX & XX/XX/XXXX From Transunion. Here is my United State Postal article # XXXX XXXX XXXXconfirming Transunion did receive copy of my Driver 's license, utility bill, valid documents that shows your name, current address and letter requesting that according to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA The Credit Bureaus never did a proper investigation according to the FCRA The term investigative consumer report means a consumer report or portion thereof in which information on the consumers character, general reputation, person characteristics, or mode of living is obtained through person interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information They did NOT do this!! 
Also, they have violated my rights even more In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report The Credit Bureau stated my account was properly investigated but how is that possible of the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. These are grounds for removal. 
They also violated the law because to 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 AND I did not give anyone written instructions.
Consumer complaint received 2022-07-29
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-08-26
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. (TX)

I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2024-12-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BMO Bank, N.A. (AZ)

I arranged for my XXXX XXXX XXXX phone bill to be due on XX/XX/XXXX. I made a payment of {$100.00}, which posted on XX/XX/XXXX, and paid the remaining balance of {$7.00} on XX/XX/XXXX. However, on XXXX  morning, I received an alert that my account was overdrawn, and I began receiving notifications that other bills were bouncing due to insufficient funds. 
I first tried chatting with someone on the BMO banking app for assistance, but I was told to contact the merchant instead. When I spoke with the merchant, they couldn't see any hold on their end. I then visited a BMO bank branch in person to seek further answers. There, I was informed that the phone company had placed an unusually long hold on the payment but that I wasn't actually overdrawn ; my account was in good standing, and I should be able to pay the bills that were due. 

The next morning, despite these assurances, I continued to receive notifications of bounced payments due to insufficient funds. I returned to the bank to seek some form of remedy for an issue that was clearly not my fault. I was told there was nothing that could be done and that the hold would be dropped today, XX/XX/year>. As of this morning, the hold has not been lifted from my account. 

I've already incurred a late fee on one of the balances that was rejected due to insufficient funds, even though the bank assured me this wouldn't happen. I explained to the bank that it doesn't make sense for them to allow any of hold when I have overdraft protection enabled on the account, and yet the hold caused me to overdraft. Now, I could potentially lose my business website because there aren't enough funds to cover the upcoming balance this week. 

I'm losing even more money due to accumulating late fees and lost privileges because of someone else 's error, and I'm not receiving any compensation or assistance for this issue. This situation has taken three days away from metime that should have been spent getting my startup off the ground.
Consumer complaint received 2024-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating my account.
Consumer complaint received 2024-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I strongly urge you to promptly address this error and clear me of any responsibility. It is vital that you conduct a thorough investigation into this matter and rectify the mistake swiftly. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2024-11-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

Subject : Complaint Regarding Charge-Off on Loan for XXXX  XXXX Outlander To Whom It May Concern : I am writing to formally request the XXXX assistance regarding a charge-off reported on my account for a XXXX  XXXX XXXX. The charge-off, reported on has negatively impacted my credit report and financial well-being. Despite attempts to resolve this matter with the lender, I believe this charge-off may not be accurately reported or may not reflect my efforts to make good faith payments. 

Under the Fair Credit Reporting Act ( FCRA ), I understand that I have the right to dispute inaccurate or misleading information on my credit report. Additionally, if a third-party debt collector is involved, I am entitled to fair treatment under the Fair Debt Collection Practices Act ( FDCPA ). I am concerned that the lenders handling of this charge-off may not be in compliance with these regulations and may reflect inaccuracies that harm my financial reputation.

Therefore, I respectfully request that the CFPB review this matter and, if appropriate, seek the deletion of the charge-off from my credit report to reflect a more accurate credit history. Alternatively, I ask for any corrective action necessary to ensure that the lenders reporting practices align with FCRA guidelines. 

Please feel free to contact me for any additional information or documentation needed to proceed with this complaint. Thank you very much for your attention to this matter and for your attention and for helping consumers like myself recieve fair and accurate credit reporting. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-06-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

I recently did a modification on my mortgage ( # XXXX ) with Carrington Mortgage Services, to refinance an arrearage due to Covid-19. I was out of town when they sent the document package ( without notification, I would add ), so when I received it, there were only a few days until the first payment was due. I called Carrington and asked if they wanted me to execute these documents, or if they wanted to send new documents. Carrington said they preferred to use the documents I already had, so I executed them later that afternoon, after Carrington had already closed. These documents included a note to pay off the arrearage I had accumulated during the Covid-19 problems. As I went through the document package, I realized they hadn't sent a first payment letter with the documents, as required, so I didn't know what the full payment was. But with the first payment being only a few days away, I decided to send the principal and interest payment amount ( {$530.00} ), to show good faith ( I knew that amount from the note ) and intended to either find out the amount of the escrows already applied to the loan or request to have some set up on my loan at a later date. However, when Carrington received my {$530.00}, they applied it TO THE ARREARAGE THAT THEY ALREADY HAD A NOTE IN HAND TO PAY IT OFF. I have been trying for over a month to get this straightened out, but to no avail. I have spent up to an hour on the phone each time, at least once a week, and each time they promised to fix the misapplied funds error, which they admit was done incorrectly, since it would have the effect of paying that part of the arrearage twice- but when I call back nothing is ever done. ( By the way, I have sent the remainder of that payment as well, {$410.00}, which Carrington is holding in suspense. I have also made a second full payment. ) I need for the monies to be properly applied and I feel some kind of sanction is in order for Carrington due to their inattention.
Consumer complaint received 2022-06-06
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: CCB Credit Serivces, Inc (NJ)

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Consumer complaint received 2022-06-06
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 Bankruptcy XX/XX/XXXX XXXX Docket ID : 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 without my written instructions.
Consumer complaint received 2024-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXXXX XX/XX/XXXX
Consumer complaint received 2022-06-06
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (WA)

XXXX marked payments as late while they were in a repayment plan. They have promised multiple times to fix the " late payment '' error on my credit report and I see it still hasn't been done. 

This is having an extremely negative impact on my life. If they do not remove it I will be forced to sue. I HAVE NEVER MADE A LATE PAYMENT BECAUSE IT WAS IN AN INCOME-BASED REPAYMENT PLAN. THIS APPLIES TO BOTH ACCOUNTS WHAT THEY ARE DOING IS ILLEGAL
Consumer complaint received 2022-06-06
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. (TX)

n accordance with the Fair Credit Reporting act Account # XXXX - XXXX XXXX XXXX and Account # XXXX XXXX XXXXXXXX BANK , 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 2022-06-06
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 XXXX XXXX XXXX  XXXX  account ending in # 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. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX