davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : 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 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 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 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 2015-12-27
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (IL)

On XXXX XXXX, a special offer appeared on Citicards for the Citi Thank You Preferred Card. The offer was for XXXX bonus points after making {$0.00} in purchases within 3 months of account opening. The typical offer is XXXX bonus points after making {$1500.00} in purchases within 3 months of account opening. So the improved offer certainly did n't seem out of the realm of possibility but rather seemed like a limited time offer that I wanted to take advantage of. I applied for the card and was approved instantly. 

After being approved, reports started to circulate around the internet that Citi representatives were informing card applicants who called that the offer was a mistake and that it would not be honored. 

I also chatted with a Citi agent online who informed me the offer was a mistake. 

Whether it was a mistake or not is irrelevant here. I went to Citi 's own page, the offer was clear as day ( I took a snapshot and will attach in this complaint ), I applied for the credit card based on the offer and was approved. It can not be that a credit card company changes the offer after an applicant applies for and receives the credit card. It is outright fraud and the credit card company must honor the offer.
Consumer complaint received 2024-10-07
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Panamerican Consulting (AZ)

XXXX Call was initiated by Panamerican Consulting LLC who convinced me to sign up to consolidate my credit cards. Over the first month I attempted to get on the client portal called frequently to have assistance to access the client portal. Was never able to, they would say they reset my password on portal and was never able to access my client portal. I asked for invoices showing payments made to company to be emailed to me, was told they would do it and I never received emails. Continued to try to get this information over the course of the last year. After speaking to a friend in the banking business, they did investigating and found out Panamerican Consulting LLC is a validation company, not a consolidating company. Before all of this begin my credit score was in the 800s, I was told they could get my debt down by 50 % that they would negotiate with the credit card companies. They charged me XXXX monthly for the past 12 months. The only thing I have received is a lil over XXXX in debt and my credit is now completely ruined. On XX/XX/year>, I went to my local bank and with one of the bankers there who assisted me I broke the contract with Panamerican Consulting LLC. I am now in the process of taking money out of my XXXX to repair the damage that Panamerican Consulting LLC did to my credit.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-08-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (VA)

To Whom It May Concern, I am filing a complaint about Credence Resource Managements collection efforts for account XXXX. Despite two requests for the assignment contract, I have not received any documentation to validate the debt. This is a violation of FDCPA Section 809 ( a ) and FCRA Section 623. 

Please assist in ensuring the collector provides the required documentation or halts their collection activities.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I received a hard inquiry on my credit report from XXXX XXXX, I have never applied for a XXXX XXXX card nor have I ever owned one. I reached out to XXXX XXXX and they told me there was nothing they could do for me. The individual attempted to open a credit card and did open a debit card with XXXX XXXX and Bank of America and used that debit card to make XXXX Purchases.
Consumer complaint received 2024-09-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC. (MA)

I have called in multiple times from the same cell phone number over the last 30 days and have spent hours and hours speaking to representatives. The list would be extensive, but the company should have a list with recordings, and I can pull my phone log if needed. In the middle of XXXX, the recurring disbursements stopped. I had to call in multiple times after my XX/XX/XXXX paycheck and was told multiple times that it was being " processed '' despite not seeing anything in " pending status. '' Every time I called, I was told XXXX business days and on XX/XX/XXXX, I finally received reimbursement for my XXXX XXXX  expenses. This was almost a full bi-weekly pay cycle when it was only supposed to be XXXX business days. I was paid again on XX/XX/XXXX and again I was not reimbursed despite multiple phone calls. I was paid again on XX/XX/XXXX with pre-tax dollars withheld through deduction and still have not been reimbursed for either XXXX paychecks ( it is now XX/XX/XXXX ). Despite having pre-tax dollars withheld and a recurring disbursement form signed by the license daycare ( the reimbursement is less than half of what I actually pay due to IRS limits ), I have still had to pay my child 's provider since this has nothing to do with her. XXXX XXXX is keeping my money and doesn't seem to want to give it back.
Consumer complaint received 2024-08-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Resolution Services Inc. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries :
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have been dealing with the same issue with XXXX since XXXX / XXXX when I enrolled in their financial program. I've made a payment being told it would be for XXXX and then the payment went thru XXXX. Thru multiple calls, that takes hours, I was given conflicting information and was always left with them saying they would " investigate '', took months to come to the conclusion that it was on me to fix the issue cause their system had no ways to make adjustment. So in XXXX they I've made XXXX payments. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for {$65.00} each. That was to cover the XXXX payment ( they refunded the one I made in XXXX that was to go to XXXX and didnt ), the XXXX payment and the XXXX payment. That was supposed to put my account on track according to their directions. Yet, month after month they continue to report me as having a missed payment. Every time my credit refreshes, the missed payment moves to the last month... it's been 3 months that my account shows missed payment 30-59 days. No matter how many times I call and ask them, what do they want me to do to fix this?! They offer no solution other than say they will open an investigation, I never head back. and month after month, this continues to impact my credit negatively while I am making my payments as agreed. I have exhausted all the possibilities with them, I have spent countless hours on the phone. This has to come to an end. They must offer a resolution for this once and for all. This negative remark has to be fixed and the missing payment reports has to stop.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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 XXXX 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 2024-08-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

To Whom It May Concern, My name is XXXX XXXX, and I am writing to file a formal complaint regarding the mishandling of a fraud case associated with my Bank of America account.

In 2019, I experienced significant fraud involving my Bank of America account. During this period, I was also the victim of a robbery in which all my personal items were stolen, including my Social Security Number ( SSN ), driver 's license, bank, and credit cards. This theft led to fraudulent activities across multiple accounts.

Despite my efforts to resolve this issue, including filing a police report a few years later, Bank of America has refused to correct the fraudulent charges on my account. My initial attempts to address the issue directly with the bank were unsuccessful, and my subsequent appeal was denied without any evidence linking me to the fraudulent activity. 

Additionally, Bank of America has reported this issue to XXXX, which has significantly impacted my ability to open new bank accounts. As a mother of XXXX children under the age of XXXX and XXXX XXXX with my XXXX XXXX, this situation is causing considerable hardship for me and my family. 

I have attached copies of the police report, and documentation showing the XXXX report for your review. 

Thank you for your assistance. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-09-30
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (AZ)

Bought a {$500.00} gift card ( US Bank generic version ) from XXXX. Tried to use it. Denied. I have tried to register it and the website doesn't work. Called the company ( number on the back of the card ) and they confirmed {$500.00} was the balance but in order to register I had to send a picture of my id to them via fax?? No other option given. Seems like a scam. But for {$500.00} I am unwilling to walk away. Please advise and help!
Consumer complaint received 2024-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX DOB XX/XX/year> SSN XXXX I have disputed this inaccurate information WIC Capital One through certified mail with FTC reports identitytheft.gov XXXX  in all three credit bureaus I have not yet received a validation of that proving that this account belongs to me I have been waiting for a contract that I have signed with my wet signature indicating that this account is mine this account was not authorized and is fraudulent I did not open the account with Capital One and should be removed from my credit report there are two Capital One accounts reflecting on my credit report that I have no idea what they are remove immediately well I'll be forced to take legal action for these violations
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I am writing to formally dispute the inaccurate information on my credit report due to my recent XXXX XXXX XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me.
Consumer complaint received 2024-08-16
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. (AZ)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

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 XXXXXXXX : # XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-08-16
Product: Credit reporting 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)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IA)

I am XXXX XXXX XXXXXXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-09-07
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. (FL)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
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 ( Inquiries ) Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-09-07
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. (OK)

I need your help with a false account on my credit report that has damaged my reputation. Your errors in handling my credit have caused significant distress, and I urge you to correct these mistakes so I can live peacefully with my family.