davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-20
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a 25 year. customer of Bank of America. I was sent an advertisement by B of A stating I would get a bonus of {$200.00} if I opened a new credit card. and spent {$1000.00} within 90 days. The account was opened on XX/XX/XXXX. I received the credit card on XX/XX/XXXX. I called " XXXX '' employee number " XXXX '' on customer service number. After 40 minutes waiting, I asked him " since I received the credit card on XX/XX/XXXX ( 35 days " after '' it was opened by bank ), does that extend the " 90 days in which to spend {$1000.00}, and still get the bonus ''? XXXX checked with supervisor and told me " NO, '' unfortunately, I must spend the {$1000.00} within 90 days starting XX/XX/XXXX, NOT 90 days from receiving the card on XX/XX/XXXX. I consider that false and fraud advertising, since the bank sent the card 35 days after opening, which decreased my ability to spend {$1000.00} within 90 days, to force me to spend {$1000.00} within 55 days. The is a scam on the bank 's part and false adverstising making me, the consumer, believe I could use the card from XX/XX/XXXX to earn the {$200.00} bonus, when in fact I could not " begin '' to use the card until I received it on XX/XX/XXXX. Thank you, XXXX XXXX, ( XXXX ) XXXX - XXXX XXXX XXXX XXXX, CA XXXX.
Consumer complaint received 2021-01-20
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. (AL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XX/XX/XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XX/XX/XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2.XX/XX/XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XXXX XXXXXX/XX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) I therefore legally request the DELETION of INACCURATE items from the PERSONAL INFORMATION section of my credit report with your agency. I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : XXXX XXXX XXXX XXXX. 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX XXXX XXXX XXXX, AL XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : XXXX XXXX XXXX as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.
Consumer complaint received 2017-11-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TransUnion has not properly investigated the following issues on my credit report. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX ****XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ****XXXX XX/XX/XXXX XXXX XXXX ****XXXX  XX/XX/XXXX {$100.00} XXXX XXXX ****XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX ****XXXX XX/XX/XXXX {$5400.00} XXXX XXXX XXXX XXXX XXXX XXXX ****XXXX XX/XX/XXXX
Consumer complaint received 2021-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (IL)

I acquired a loan in XX/XX/2016 from XXXX XXXX. The loan amount was {$10000.00} my payment per month was {$490.00} The during the first 8 months of the loan my car malfunctioned so I was not able to use it XXXX XXXX warrantee covered the cost and deferred one of my payments towards the back of loan.. they did this because I had been paying my loan time and I kept in contact with them. In addition I had an option to defer. Months 12 into the loan and payments the company was brought out by XXXX XXXX  they unexpectedly readjusted the terms set by XXXX XXXX. XXXX XXXX forced me to.pay the deferred payments plus penalties in addition XXXX XXXX removed XXXX XXXX  from all three credit bureaus I called XXXX XXXX to take the car But as of today XX/XX/XXXX the car still appears to be mine here in illinois accessed
Consumer complaint received 2021-01-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Remex, Inc. (AZ)

I would like to file a complaint against XXXX XXXX XXXX XXXX and Remex , Inc.. I rented a furnished vacation rental from XX/XX/XXXX XX/XX/XXXX from XXXX XXXX XXXX. We paid in full for the two months stay and also paid {$200.00} for move-out cleaning. During our stay, we had 2 mid-stay cleaning services and paid {$150.00} for mid-stay cleaning. After we moved out on XX/XX/XXXX, XXXX XXXX XXXX from XXXX XXXX XXXX alleged that we damaged the house and claimed an additional {$930.00}. The claims were unreasonable and false as normal wear and tear occurred during the 2-month short term stay. We offered to pay {$200.00} to settle the matter on top of already paid cleaning fees. I filed a complaint with Arizona State Attorney Generals office ; however, we could not settle the matter. That complaint was closed in XX/XX/XXXX. 
Thereafter, in XX/XX/XXXX, XXXX XXXX XXXX hired Remex , Inc., a debt collector agency to collect the outstanding amount. I asked Remex, Inc. to send me the documentation in support of the debt claim, however, no documentation was received from their office. I followed up with Remex on XX/XX/XXXX and was informed that XXXX XXXX XXXX has withdrawn the debt claim, and my account ( Account No. XXXX ) has been cancelled and no payment is due. It was confirmed by Remex that my account was closed and no action was required on my end. 
However, in XXXX XXXX, Remex negatively reported to the credit bureau and my credit score decreased by 131 points. I called Remex as to why that action was taken after being told that my account was closed. Remex changed their statement and claimed that they never advised me of account closure on XX/XX/XXXX. I requested them to check their call recordings of XX/XX/XXXX but they did not co-operate and hung up without providing an explanation. Remex, Inc. used false tactics and misinformed me about cancellation of account.
Consumer complaint received 2021-01-08
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (IL)

I received a US Bank ReliaCard debit card in the mail today. I called US Bank and they told me it was an unemployment debit card. I did not apply for unemployment or the card. They tried to transfer me to relicard branch which keeps hanging up the call. When I call the number on the card it just wants me to activate a pin number. I called cfpb to file a complaint. Today is XXXX2021.
Consumer complaint received 2021-01-08
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: EQUIFAX, INC. (AL)

In XXXX and XXXX of 2020, I filed a dispute with This credit reporting agency about the unverified collections accounts : Credit and collection services account # XXXX -- XXXX XXXX account # XXXX XXXX account # XXXX -- XXXX account # : XXXX - In XX/XX/2020, I requested a removal of these accounts for 30-days non response which is a violation of the FCRA. In those 2 months I have asked several times for a response and I have not received anything from this bureaus. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these unverified accounts as of today. Thank you
Consumer complaint received 2021-01-09
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: EQUIFAX, INC. (PA)

I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2024-08-24
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. (IL)

This is the follow up complaint after the 15 days i sent letters to bureas. I need these items deleetd.XXXX XXXXXXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX Balance Owed : {$1000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, IR XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again.,
Consumer complaint received 2021-01-08
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: EQUIFAX, INC. (MI)

To whom this may concern : XXXX XXXX XXXXXXXX XXXX has reported inaccurate information on my credit report. The problem with this company is that they tend to charge late fees generated by the billing software, according to the Customer Representative I spoke with on XX/XX/XXXX. I informed her that I paid in advance in reference to the XXXX statement {$210.00} for payment due on XX/XX/XXXX, in the amount of {$60.00}. XXXX payment due {$56.00}, XXXX payment due {$56.00}, and XXXX payment due XXXX $ XXXX $ XXXX $ XXXX $ XXXX {$12.00} owing for XXXX. There was a payment made toward 's the remaining balance of XXXX payment of {$12.00}. A {$25.00} was paid on XX/XX/XXXX, which left a credit balance of {$13.00} to go towards the XXXX payment due on the XXXX. I made the young lady aware of the advance payment, and she indicated that their contract says that I can not pay in advance. I have never agreed to or signed any contract that says I can not pay my credit card bill in advance. I am appalled that they reported on all three credit agencies 30 days late for XX/XX/XXXX. This is an unethical practice. She indicated she could remove the late fees and that she would file an investigation. However, they are reporting that I am past due, which is not true ; I am current. I appreciate it if this matter is resolved promptly. I have attached for you to review the statements. XXXX XXXX closed my account back in XX/XX/XXXX, when I inquired about them reporting late fees in XXXX and XX/XX/XXXX. Their explanation was due to " lack of real estate secured loan information, no open back cards in my file, unpaid collections, the average time since revolving accounts opened is too recent, the number of inquiries was a factor in determining a score. '' Which I find appalling because my accounts are not late or past due. I have a 3-year car loan paid on time, a line of credit of {$1.00} XXXX I had for 2 years, and other major credit cards I had for a year or two that are all current or XXXX balance, and they are not closed.
Consumer complaint received 2021-01-07
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. (OH)

A company named XXXX XXXX XXXX placed a collection account on my credit reports for XXXX, XXXX, and Experian. The amount stated as past due was {$970.00}. The claim for this debt apparently originated with a company called XXXX  XXXX XXXX which appears to be a pay day check cashing company. 

I am the victim of identity theft. The item I am disputing is not a transaction that I have made or authorized. I have never done business with XXXX XXXX XXXX or XXXX  XXXX XXXX in my life. Neither company has ever contacted me about any transaction or problem. I have never used a pay day loan and no check or electronic withdrawal has ever been submitted to my bank account by these companies. 

There is no way they would have a legitimate check or other financial document from me since I have never done business with them. Any signatures would be fraudulent and could be compared to my real signature. My tax return information was stolen in a hacking incident several years ago and someone attempted to file for an IRS refund in my name. The information stolen included a bank account number, but I closed that account after that incident. 

Experian did not make any changes to my credit report. They said XXXX XXXX XXXX said it was accurate information. The reviews by XXXX  and XXXX  are pending.
Consumer complaint received 2024-08-24
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. (CA)

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 : # XXXX, XXXX XXXX  XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX  XXXX : # XXXX, XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX  : # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX : # XXXX has violated my rights. 
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. 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 2021-01-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (CA)

On XX/XX/XXXX, a debt collecting agency named CBE GROUP filed a derogatory collection notice to all three credit bureaus on behalf of the originating creditor named XXXX ( formerly named XXXX XXXX ). 

The debt collecting agency did not provide a formal notification to the consumer ( Formal Correspondence for notification of Debt ) in order to validate the debt and provide the consumer the opportunity to dispute the debt if it was deemed invalid. As a consumer, I had to do my own research by contacting the debt collecting agency and the original creditor regarding the debt. After a thorough research it was deemed through XXXX that I have NO current outstanding debt with the company ( Based on the telephonic conversation with the XXXX Customer Service Representative on XXXX XX/XX/XXXX at approx. XXXX XXXX ( Communication Form # XXXX XXXX. 

I believe this debt collecting company violated the Fair Debt Collecting Practices as governed by the FTC and in violation of the Fair Debt Collection Practices Act under 15 USC 1601 ( 805-808 ). 

I am requesting assistance to have this derogatory report to be removed from all credit reporting bureaus.
Consumer complaint received 2021-01-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (IL)

My bankruptcy case was discharge on XX/XX/XXXX XXXXI was suppose to receive a escrow overage of {$1300.00} from my mortgage company Wells Fargo in which they send it to the bankruptcy trustee office of XXXX XXXX  XXXX XXXX XX/XX/2020 and was deposited into the trustee account on XX/XX/2020. I talk to wells fargo and they said there nothing that they can do cause the trustee has deposited into there account.I try many of times to contact the trustee and no results, I hope you can help with this issue.
Consumer complaint received 2024-08-24
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: EQUIFAX, INC. (IL)

this is my follow up complaint..Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance : {$170.00} XXXX  XXXX XXXX Balance {$0.00}
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. (CA)

Several collection were reported on my credit report and According to 15 USC 1692 without my written consent its illegal for a collection agency to buy up my debt and come after me. please remove all collections off my credit report thank you.
Consumer complaint received 2021-01-06
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (NJ)

The week of XX/XX/XXXX, I spoke with a representative at Santander Consumer USA regarding a large payment onto my automobile loan. I explained to the representative the payment was for any late fees, current month payment in future payment. I explained that the payment was going to be in the next couple days and he told me he was going to notate the account. On XX/XX/XXXX, I called back to make the payment. I tried to make the payment for {$4200.00} one-time and the representative told me the payment had to be split into 2 payments. The payment was successful. 


In XX/XX/XXXX, I was checking my credit report and noticed I was reported for a late payment. When I called the automated system said no payment was due. When trying to reach a representative the wait time was extremely long and was locked out of my online account. 

I spoke to a representative today ( XX/XX/XXXX ) and I explained what happened. He acknowledged it was a mistake on Santander behalf and the previous representative did not apply my payment to the future payments and it was entered incorrectly. The payments went to the principal balance of the account. He requested for the balance to go towards the balance and to call back in 2-3 days to see the outcome.
Consumer complaint received 2021-01-06
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. (LA)

On XXXX I've file disputes for those inaccurate and unknown accounts I found on my credit report. I'm a victim of XXXX  Data Breach. It's almost 60 days now but I haven't received any response. I demand for immediately DELETION of those accounts or I will file a litigation that cause me stress.
Consumer complaint received 2021-01-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

Back in XXXX of 2020 I file my first dispute with all 3 credit bureaus. 
I have yet to receive anything from that dispute, so I file another one in XXXX and yet again NOTHING. Why is it so hard to send me information I'm asking for? What do I have to do to get a reply from them so I can fix my credit? I should not have to keep filing disputes and writing complaints just to get what I want.