davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (FL)

XXXX XXXX marketing material on a flyer received in the mail for the " XXXX XXXX American Express XXXX XXXX ''. 

On the left side of the flyer is says 6x Bonus points at US SuperMarkets, US Gas Stations and US Restaurants. However the number 2 is an asterisk, noting that more information can be found in section 2 on the back.

Most people would not read this section and might just move forward with applying or discarding the promotional flyer.

I read section 2. With in its text it says " You also will NOT get additional points for purchases at nightclubs, convenience stores, grocery stores, or supermarkets. '' Above that however it states you will receive extra points for a total of 6 at Restaurants, Supermarkets and US Gas Stations. So in essence it cancels each other out and the advertising and rules on the back are un clear, creating the opportunity for points to be awarded and or not awarded based on the suppliers discretion and not the basic understanding as permitted on the front of the flyer. It also uniquely disqualifies superstores and warehouse clubs.
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

After reviewing my credit profile XXXX, I identified a discrepancy with the account listed below and requested validation as this was an account I did not recognize. Its been over a month and I still have not received any correspondence from the creditor validation that the account belongs to me. I reviewed my credit report again XXXX and the account is still reflected on my account. I sent a second letter of debt validation and have yet to receive any debt validation. I do not believe this account belongs to me, nor do I believe that the creditor has the authorization to access this account or authorization to attempt to collect on this account. this account continues to negatively affect my credit profile. Please remove this account from all three credit bureaus.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX department of education is reporting multiple student loans on my credit report that are not accurate. I consolidated my loans and these loans need to be updated and reported accurately. I have a total of XXXX loans reporting on my credit report and this is incorrect.
Consumer complaint received 2020-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (OH)

XXXX XXXX # XXXX HAVE SEVERAL ACCOUNTS LISTED ON MY CREDIT TRADELINES FROM DATE OPENED XX/XX/2008. THESE ACCOUNTS ARE ENTIRELY TOO OLD TO BE LISTED ON MY TRADELINES AND THEY WERE ALSO PAID OFF AND TRANSFERRED TO ANOTHER LENDER. THERE ARE MANY MULTIPLE ACCOUNTS LISTED WITH THE SAME ACCOUNT NUMBER. I HAVE DISPUTED THIS INFORMATION WITH XXXX, XXXX  AND EQUIFAX WHO REFUSED TO REMOVE THESE ACCOUNTS FROM MY TRADELINE. THEY ARE TOO OLD TO BE LISTED ON MY ACCOUNTS. I WILL CONTINUE TO REQUEST THAT THESE OLD ACCOUNTS BE REMOVED FROM MY TRADELINE.
Consumer complaint received 2021-03-26
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. (SC)

This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/2021, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Consumer complaint received 2021-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I have held a bimonthly autopayment of my mortgage on XXXX XXXX XXXX XXXX, XXXX, ga XXXX. I retired from federal service XX/XX/XXXX and moved to XXXX, ca in XX/XX/XXXX. During the 8-10 years that I held a mortgage with XXXX XXXX my payment record was exemplary. My house in XXXX was rented. In XXXX XXXX apparently one of the autopayment failed. XXXX XXXX did not notify me immediately so I could correct the error in a timely manner. Instead they suspended the autopay and I was advised in XX/XX/XXXX that my payment was in arrears for 3 payments. I wrote to the customer service portal asking for the reason why the autopay was stopped and how I could reinstate it. Phone based enquiries leave me on hold for a long time and then disconnect. I chose to use the message board in order to have a trail to enable someone to help me. In fact, I realized that the messages are not reaching a billing agent but a third party call center. The problem of miscommunication, crossed messages, resulted in me submitting payments based on the most recent communication with the XXXX XXXX representative which were returned to be as insufficient since the time passing has increased the amount due. I tried to explain as much as possible but all I got was how in one month I was behind on payment. There was no recognition that for 8 years or more I had a spotless record of payment and I deserved the courtesy of a human interaction for a conversation on the resolution of this issue. The report of poor mortgage payment has directly prevented me from purchasing a home in XXXX, CA. I am XXXX XXXX old been through extremely difficult time since my move to XXXX and all I want is a roof above my head during the last years of my life that I can call my own. XXXX XXXX XXXX actions are unconscionable and inhuman. i m hoping that the report to the credit bureaus will be removed permanently and clear the way for me to obtain a mortgage on my last home. Thank you.
Consumer complaint received 2019-10-23
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (TX)

My credit report alert went off today saying that I owed a payday loan for {$340.00} to XXXX XXXX XXXX who ever the XXXX that is that took place on XX/XX/2016 I have no idea what Midwest Recovery Systems is talking about. In 2016 around at that time I purchased a new truck with no down payment and a townhouse I had no money problems in to 2016 and still don't. If you check my credit report I am at a 100 % at paying my bills on time one thing I ain't going to do is borrow money from a payday loan or anyone else. You have the wrong person someone might have used my information with out my knowledge things like that happen but it wasn't me. If you continue to harass me on something I didn't do I will file a civil suit against your company ( Midwest Recovery Systems ).
Consumer complaint received 2019-10-23
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I sent in my ftc report and contacted the bank about accounts that I did not authorize that were open in my name. The credit bureaus have yet to remove those accounts. I want these accounts to be removed.
Consumer complaint received 2019-10-23
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. (UT)

I am not sure why but XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXXissued updated cards replacing old cards. For some reason credit bureau shows these to be newly opened accounts and dropped mt credit score immediately
Consumer complaint received 2021-02-10
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. (NC)

I have sent letters on XX/XX/2020 called and went online on XXXX XXXX to XXXX disputing inquires. Also, for Transunion have inquires and a derogatory item from XXXX that appear on my report. My reports shows numerous inquires on my XXXX  credit report and some of the same ones on Transunion. I never applied or authorized these companies to pull my personal credit history to established credit with this companies. Some of these companies I already have an establish relationship with so there is no need for me to apply for credit with them again. Also there are several duplicates that I have ask both bureaus to remove and they have fail to do so.
Consumer complaint received 2023-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX I accidentally transferred {$500.00} from a checking account to a credit card account by mistake attempting to put the money in my savings. Since then I have spoke to 14 separate Bank of America employees from the credit department that have all told me different things about when my refund would be available back in my account. on XX/XX/XXXX I was told it would be 5-7 business days, on XXXX I was told it would be 7-10 business days on XX/XX/XXXX I was told it would be 7-10 business days and on XX/XX/XXXX I was told it would be 5-7 business days. Today on XX/XX/XXXX I spoke to seven or eight employees that all had varying stories about my account information. Several told me they could expedite my transfer and I would have it in 24-48 hours. others told me 90 days and one who seemed to make the most sense told me that nothing has been happening due to the transactions canceling themselves out and that I need to speak to a supervisor however the only supervisor available was extremely condescending and basically told me to close my account and they would send me a check in the mail. He also told me that he did not have a supervisor and that he was basically on the board of directors and his supervisor was XXXX XXXX and that she has no phone number or contact information. His name is XXXX employee ID : XXXX I would just like my money out back in my proper accounts and someone from bank of America to tell me that all of my calls have been reviewed and an explanation of how this has occurred that I speak to eight employees in one day and all have differing accounts of a timeframe for repayment. I can be reached at ( XXXX ) XXXX Thank you
Consumer complaint received 2019-10-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

Balance {$2500.00} Highest Balance {$2500.00} Opened XX/XX/2013 ( 6 yrs )  Collection account Original Creditor Name XXXX XXXX
Consumer complaint received 2021-01-14
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. (MA)

I am writing do to XXXX none-compliance of the CRA. XXXX is inaccurately reporting a late 30 day notice on my credit report for XXXX, 2018 from XXXX XXXX XXXX account XXXX. This error was discovered while in the process of applying for a mortgage. I have sent a dispute letter to XXXX with supporting documentation from email receipt from XXXX XXXX XXXX XXXX showing payment made for the month of XXXX, 2018 being made on time. I also sent XXXX email receipt for XXXX showing payment made before and after the month in question XXXX, 2018 and XXXX, 2018 also showing email receipt payment from XXXX received and made on time. After I have provided factual proof and documentation showing payment made on time for the month of XXXX this is defamation of character and willful injury under section 623 of the FCRA requirements and a violation by TransUnion. CFPB please ensure XXXX XXXX XXXX XXXX follow the credit reporting act. They are in violation of the law after I give the supporting documentation from email receipt I received from them as proof of my payment being made for the month of XXXX, 2018.
Consumer complaint received 2022-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX, has violated all 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 2020-09-02
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. (DE)

Impacted by the Covid 19. Please have XXXX XXXX remove late payments from 3 credit bureaus ( My credit report. I have explained to XXXX from day one that my job closed down due to an employee at my job tested positive for XXXX XXXX. I tried to apply for Pandemic unemployment it was a night mare trying to submit my claim online due to thousands of other people applying and high trafficking.Day and night I tried to submit my claim. I had no control as to my job closing and pandemic unemployment website being down or not being able to connect due to issues at there end. My account was in good standing before covid 19. Once my claim was approved I immediately paid my account up to date and paid more than my minimum towards my balance {$2000.00} So so wrong what XXXX has done to people at our worse time. Help me out was it really so hard to defer payments til I got back on my feet? Just disgusting and left a bad taste in my mouth to know that XXXX was they only business that did not defer not even one payment my other credit accounts I have in good standing as well had no problem deferring any payments. I will never recommend/refer anybody to this company! DO NOT BORROW FROM THIS COMPANY XXXX XXXX  XXXX. WILL RUIN YOUR CREDIT FOR SURE I HIGHLY RECOMMEND IF YOU WANT A LOAN TO GO TO XXXX  XXXX! The least XXXX can do is remove these late payments off my credit report.
Consumer complaint received 2022-07-11
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (NM)

Capital One Auto Finance is trying to collect a debt from me as a co-signer of my son XXXX XXXX, ( I use initials as identity protection ) auto loan. My son had insurance, and made a supplemental payment to Capital One. 
They have never provided me any documentation as to The Amount of the Loan and XXXX ) What/How Much the Insurance company Paid to the balance owed. 
XXXX ) What/How Much my son made in supplemental payments XXXX ) The remaining Balance due to them. 
I'm not paying a penny until they can document their billing to me. 
It seems that they can attach a claim to anyone who's name is on a contract regardless if they're entitled to it or not.
Consumer complaint received 2022-07-14
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: WELLS FARGO & COMPANY (CA)

On XX/XX/2022 I was scammed and the scammers gained access to my online Wells Fargo banking account including my checking, savings and credit card accounts. I went to my local bank and they told me to go home and call the Fraud line which I did. The agent closed my checking and savings accounts and transferred my funds to new accounts. At that time the agent didn't tell me that my credit card might also be vulnerable. He did tell me that the wire transfer from my checking account did not go though so I assumed I was safe. 
On XX/XX/2022 I saw XXXX XXXX at my local Wells Fargo and she told me again that the wire transfer hadn't gone through. She also said there was no activity on my credit card. Later on the XXXX, I checked my online accounts and discovered a cash advance taken on my credit card of {$9900.00} plus a {$490.00} cash advance fee. I immediately called the Fraud line to alert them to the illegal activity on my account and the account was closed but the wire transfer had already gone through even though this cash advance was in excess of my daily limit. I have not used this card in years and I have never gotten a cash advance so I believe that Wells Fargo should have prevented or at least alerted me that this was happening. 
On XX/XX/2022 I received a letter from Wells Fargo stating that the case was closed and the money could not be recovered so I was responsible to pay the cash advance, plus the cash advance fee, plus a {$64.00} interest charge for a total of {$10000.00}. I subsequently received a credit card statement from Wells Fargo for that amount. 

I am an XXXX XXXX XXXX woman who has been a customer of Wells Fargo for XXXX  years. I have never been involved in anything like this before and I feel that Wells Fargo should have offered me more protection. I also believe that this money should be covered by insurance that Wells Fargo has for credit card fraud. I want them to forgo payment of this credit card debt. I have asked them to reevaluate this but haven't heard from the.
Consumer complaint received 2022-07-11
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. (DE)

In accordance with the Fair Credit Reporting Act the following XXXX accounts have violated my rights : XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX
Consumer complaint received 2022-06-30
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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 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 2021-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WI)

To whom it May concern : After recently reviewing my credit report I noticed several inconsistencies regarding the account ( XXXX XXXX XXXX XXXX  -- -- XXXX ) in the ( BALNCE ) & ( PAYMENT STATUS ) section. Equifax is reporting a balance of {$22000.00} with a current payment status, XXXX  is reporting a balance of {$22000.00} with a current payment status and XXXX  is reporting a balance of {$22.00}, XXXX with a current payment status now all three of these balances cant be accurate. These accounts appear to be furnished by the same creditor so why is all the provided data different. The balances listed on all 3 reporting agencies is the current balance on my account either. My current balance is {$21.00}, XXXX. It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE the erroneous item immediately Thank you, XXXX XXXX
Consumer complaint received 2020-09-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (FL)

I tried to make the payment and it didnt go thrue. I didn't received a call that the payment was due and I found out checking my credit score I did the payment intermediately. Their system did not proceed the payment and my account is current with no debt but in my score says that I own the company.
Consumer complaint received 2020-07-02
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)

Hello, I have disputed the XXXX  account multiple times and submitted all necessary proof stated in section 605B of FCRA and still item appears in my credit. I have no other choice but to write this complaint and hope for the best.
Consumer complaint received 2020-07-02
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. (PA)

I AM A VICTIM OF IDENTITY THEFT AND I STILL HAVE ACCOUNTS THAT ARE NOT MY OWN BEING DISPLAYED ON MY XXXX  CREDIT PROFILE. THIS INFORMATION IS ERRONEOUSAND MUST BE PERMANENTLY REMOVED ASAP.THESE ARE NOT MY ACCOUNTS. I NEED TOHAVE THESE ACCOUNTS REMOVEDIMMEDIATELY PLEASE