davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-24
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I  applied for a zero percent apr purchase card with BofA online. My application came back declined because I had a block on my credit. I tried calling numerous times to speak to someone and I could not get anyone to look at my application so I simply dismissed it. A couple of days later I received a call from BofA from an analyst that said if we can call the credit bureau we can get this credit card approved. We called and they approved my credit card. A couple of days later I received the card WITHOUT the promotion of zero percent purchase interest. I have called and spent hours on the phone with them and they said I do n't  qualify for the card with that promotion. If I did n't qualify for the card that I applied for then why was n't this communicated with me at the time of the application or when I spoke to the analyst to verify the product I applied for? If I was approved for another c ard ( one that I never applied for ) then why was n't this told to me in order for me to make a decision on  how to proceed? Instead, I get a card with a high interest rate that I never applied for nor that I wanted. This seems like a misleading practice to offer something to someone and then deliver another product that the customer does not want. I spoke to  XXXX   XXXX  in resolutions who was not able  to help and refused to allow me to speak to someone to file a complaint. I was told a manager would call me back and no one has to this point. I have wasted hours of my time in this and there is still no resolution in sight.
Consumer complaint received 2022-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

n accordance with the Fair Credit Reporting Act Convergent hard inquires, 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 an account without my written instructions. Hard inquiry - XXXX  : Transunion on XXXX. Hard Inquiry : US Department of Education : XXXX on XXXX, XXXX Bank : XXXX on XXXX
Consumer complaint received 2024-08-21
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. (NC)

Yes I have a XXXX XXXX compromised account from a data breach hacked restricted account barred with a proof of claim objection 410 from block XXXX  from XXXX XXXXXXXX XXXX XXXXXXXX with a currency deposit for a XXXX XXXX  data breach coming in the following couple of months email from the IRS. I want to waive on my credit report was not financially stable to deposit on the account with the barred loans and restrictions from the tax lien the account holder grossed out the wages and restricted it on my Experian credit report. I asked to document details from the irs with a 14039 affidavit to the financial advisor from XXXX XXXX XXXX XXXX with the tax identity theft was using my name to bar my account on a tax identity theft with the NCDOR with XXXX XXXX XXXX case holder and asked to verify my identity restoration office XXXX XXXX and XXXX XXXX also XXXX from XXXX with my XXXX case ID restoration from a reversed mortgage bankruptcy. So the bank was suppose to contact the account holder let them know restrictions was on my XXXX account as an employee from XXXX XXXX my tax documents ID theft from XXXX affidavit also file a XXXX due process of claims.
Consumer complaint received 2017-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

On or aroun d   XXXX   XXXX   ,201  7,  I contacted the Customer Service Department for Citi Simplicity Card at   XXXX   to resolve an issue pertaining to a balance that was exceedingly high and a minimum amount due that was unusual and different from the minimum amount I had been paying for the past 3 years I have been a customer. According to the website, the minimum amount due was {$8700.00} and it stated that it was past due when I already made a payment prior to the  XX/XX/XXXX   wh ich is the usual due date for such account.I was given the runaround and was hung up on several times. I informed them that I would file a consumer report on them and only after I told them so did they inform me that I had to make the payment of {$170.00} to satisfy the minimum amount due for   XX/XX/XXXX  and  XX/XX/XXXX  ;  they also informed me that they would notate my account as current and not past due. However, since  XX/XX/XXXX  , the y have been calling me from  XXXX  to inform me about my past due account for the month of  XX/XX/XXXX   wh en I was told that the {$170.00} payment I made on  XX/XX/XXXX  would cover  XX/XX/XXXX  and  XX/XX/XXXX . Every day since  XX/XX/XXXX , they would keep harassing me at all hours of the day about my account that they kept saying was past due when it was agreed upon that it was current. I called them on  XX/XX/XXXX  and the Customer Service Department gave me the runaround and told me again that it was past due for  XX/XX/XXXX .
Consumer complaint received 2017-05-25
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. (FL)

On Wednesday,  XXXX   XXXX , I received a letter from Equifa x Information Services stati ng I had contacted them about a fraud alert. I never requested this service. Then, today,  XXXX   XXXX , I received a letter from  XXXX  about an " initial security alert '' that I requested, and it is using the phone number of a home we sold almost 3 years ago. These services were never requested so I tried to contact them. However both companies have an automated system and there is no opportunity to speak to someone about this issue. Even the phone numbers I found online are automated. My fear is they will also be charging me for these services at some point. Both letters also list  XXXX  so I am expecting to hear from them as well so I have included them in this complaint.     I am attaching the letters I have received.     Thank you for your assistance in this matter.
Consumer complaint received 2017-05-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwestern Health Management INC (MO)

Hello, I    ma ile  d Northwest Financial Services    (   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX  , Mo.  XXXX  ) a certified letter on   X/X/2017   recieved on   XXX  -17 re   que sting they verify and validate all collections they have in my name. A full list of account numbers were provided. On  XXXX  -1 7 NWFS se nt via USPS a  print out of all accounts stating " we have verified the debts stated in your communication on   XXXX   -17 fo  r  " our clients claims ''. I have a few issues with this, 1 ) I requested they report to all   XXXX   credit bureau 's I have claimed a dispute. Per FCRA they have 30 day to do so and did not.
2 ) This debt was sold to NWFS they are a debt collection agency, they do not work for the   XXXX   XXXX   XXXX  .
3 ) Per the FCRA and Missouri Attorney General   XXXX   XXXX   XXXX   sending an itemized statement opinion letter does not constitute validation or verifacation.
4 ) The unfair and now illegal actions on the part of NWFS has not only damaged my crefit it has caused extream hardship to my person, not only financially bur emotionally.
Please contact me at   XXXX   or via email to resolve this issue.   XXXX   Thank You   XXXX   XXXX   XXXX
Consumer complaint received 2017-05-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (TX)

I have sent Central Credit Svs LLC a letter requesting back up for this debt - which I do not know what this is for.   They have also stated that  XXXX   XXXX   XXXX   XXXX   XXXX  has purchased the debt.   They responded with an invoice that has  XXXX  line stating emergency eval?? no idea what this means nothing else is included except for the fact it says Patient Portion due  XXXX  Past due amount  XXXX  They are continuing to send me the same letter stating this is " Back up '' for the debt owed I want this removed immediately from my credit report and for them to cease all communication/collection on this debt which states my portion is  XXXX  and if there is a debt owed please provide proper documentation.
Consumer complaint received 2017-05-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Applied Data Finance, LLC (AL)

Got Loan f rom company on approximately  XXXX / XXXX / 2016  to fix my automobile in anticipation that my  Insurance Company   XXXX   XXXX  would be paying for damages incurred by a freeway accident on  XXXX / XXXX / 2016 .  XXXX   XXXX  found a way to deny my claim on  XXXX / XXXX / 2016  and I was stuck with the loan. Did research on to try to find a solution and found out that the loan itself is illegal in the state that it originated according to anti-loan sharki ng laws, California, the state that it was loaned in according to small loan law, Alabama, and according to Federal Law, the Electronic Funds Transfer act, because the loan requires to originate both that the lendee accept from the lender and make payments to the lender by Electronic funds transfer to be abl e to receive the loan.
Consumer complaint received 2024-09-05
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. (TX)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2022-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: AXOS FINANCIAL, INC. (CA)

I opened a XXXX Banking account with Axos Bank and it's been a month and a half without being able to use the account. I am lucky I didn't transfer any funds right away!! They have had technical issues every step of the way that their customer service has been unable to figure out. At first, I couldn't get access to online banking. I never got the email ( checked all spam folders, etc ) to register for online banking and every time I called they claimed I needed this email and that they were resending it, but I never got it. I learned how to register it myself without the email and then every time I signed in it would sign me back out immediately. They couldn't figure out why. When I called, they would transfer me around XXXX or XXXX times and it would eventually just hang up. I finally figured out that you can't use XXXX to access online banking (! ) and have to use XXXX. All of these issues I'm having to solve on my own! Then my new debit card was returned to them, because they formatted my mailing address wrong in their database. I called XXXX  and they couldn't do it over the phone, so they had me send a secure message online ( which at the time I still couldn't access with their technical issues ) to verify my mailing address before they could send me another one. When I finally got the new debit card a week and a half later, I am now unable to access XXXX XXXX! I was on the phone with them for an hour being transferred XXXX times before someone knew what they were doing and had to have me change all my browser settings for their website so that I could even view their XXXX XXXX tab.. I have been waiting to use this bank account for almost XXXX months because of all of their technical issues and unhelpful customer service and I'm about ready to close it and start with a different bank! I am honestly worried about even conducting my business finances with this bank, just anticipating what new issues I'm going to run into with actual funds in my account!!
Consumer complaint received 2024-09-05
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-09-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2021-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

On XX/XX/XXXX my spouse and I stayed at XXXX XXXX in XXXX, FL. I paid in advance for the room charges of {$1000.00} using my bank account. Upon arrival I placed my capital one credit card on file for incidentals. When I checked out I was told my bill was paid in full and we departed. The hotel somehow made an error on XX/XX/21 with their accounting and refunded all room charges to the capital one card since it was the last card I had on file. My card balance reflects - {$1000.00}. The hotel realized what they did and needed their money back plus the incidentals which they failed to process of {$250.00} so they tried to charge my capital one card a total of {$1200.00}. I hold a {$500.00} credit line so capital one is declining to accept the transaction. 
I've attempted to call capital one and rectify this but they claim they can only mail a check directly to me so I accepted. It's been a week and it hasn't arrived yet and the hotel is getting anxious over this. I called the credit card company again tonight and they still refuse to allow the transaction to go through even with a negative balance on the card that doesn't rightfully belong to me or the card company. 
I have enough of a credit line to cover the incidentals after they refund is removed but capital one says my credit line isn't sufficient. 
I was forced to try and increase my credit line, taking a hit on my credit score and in the end, I didn't get enough to make this transaction happen. 
There is no reason capital one can't return the refund to the hotel and allow them to charge the {$250.00} I still owe. 
I'm concerned this will cause me litigation from the hotel all because capital one is illegally holding onto money that doesn't belong to them and drawing interest off of it as well. Please help me resolve this.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Dispute of Inaccurate Credit Reporting Dear Credit Reporting Agencies , I am writing to formally dispute the accuracy of information reported on my credit reports regarding an account with XXXX XXXX, account number XXXXXXXXXX. According to my records, this account is currently being reported as XXXX XXXX late for the months of XXXX and XXXX. I believe this information is inaccurate and violates several provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under the FCRA, Section 602 ( a ) ( 1 ), consumers have the right to obtain accurate and complete information in their credit reports. The reporting of a charge-off account as 120 days late when it should not be is a direct violation of this provision. Additionally, Section 623 ( a ) ( 1 ) states that furnishers of information must not provide inaccurate information to consumer reporting agencies. As such, I request that you investigate this matter and remove or correct the inaccurate reporting.

Furthermore, under FCRA Section 609 ( e ), I am entitled to request additional documentation supporting the accuracy of this reporting. If the creditor can not provide sufficient evidence that the account is accurately reported, I demand that this misinformation be removed from my credit report. 

In addition to the FCRA, the FDCPA prohibits the furnishing of misleading information. Section 807 ( 2 ) ( A ) explicitly states that a debt collector may not indicate that a consumer owes any debt unless such a debt is made known to be owed. The reporting of this account as 120 days late may mislead potential creditors about my creditworthiness.

I have attached supporting documents, including my credit report with the disputed account highlighted, and any relevant correspondence with the creditor. I request that you complete your investigation within the 30-day time frame mandated by the FCRA and provide me with a written response detailing the results of your investigation. 

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

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-05
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. (NV)

The unverified account indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
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 2017-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I would like you to investigate and REMOVE the illegal and unapproved " Hard Inquiry '' on my credit report by the  XXXX   XXXX   XXXX  on   XXXX   XXXX   XXXX  . They (  XXXX   XXXX   XXXX   XXXX  NEVER informed me that a hard hit would take place. To add insult to injury, after repeated back and forth conversations with  XXXX   XXXX   XXXX   management, the y keep insisting that " customers are not told that their card would be getting a HARD credit inquiry hit as the customer should " Assume '' that a " Hard Inquiry '' would take place.     Really? Who in their right mind would say YES to a hard inquiry ( similar to the level of buying a house or a car ) stuck on your credit for 3 years for a {$100.00} credit increase? This has to be a JOKE!      XXXX   XXXX  has now damaged  my credit score a nd now I have to wait before proceeding with my mortgage application until this ILLEGAL mark on my credit report in permanently removed.     This NEGATIVE mark and ILLEGAL and UNAPPROVED act by the   XXXX   XXXX   must be addressed as the rep on the phone on   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX    (  and several times there after ) informed me that it 's common practice to pull this sort of nonsense on innocent, unadvised and uninformed customers such as me. Never has any other credit card company in my  XXXX  years ever hit my credit with a HARD inquiry for a simple, few  hundred  dollar credit increase request. If they were going to do so, they would inform me fully before proceeding. Instead, as the management at  XXXX   XXXX   XXXX  repeatedly told me, it is NOT their responsibility to inform the customer if they are going to pull a soft or HARD credit inquiry. Very disturbing, to say the least, when a customer is last to know and will only find out by default via your credit bureau credit report mont h ( if not years ) down the road .     So, as in my case,  XXXX  hard inquiries were done on my card by  XXXX   XXXX   XXXX  within a 2 months window. What did I do, buy a house or a car from them? NO, I just simply asked if it was possible to get a couple hundred dollar credit line increase.
Consumer complaint received 2024-09-05
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. (CO)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2017-05-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (VA)

Im under extreme financial hardship due to a serious life threatening medical condition that required emergency  XXXX , multiple hospital/doctor visits and ongoing treatment. I have explained this to Navient many times and simply can not afford to pay my student loans. They call me and email me at lea st 6 to 10  times a day from different phone numbers and it 's maddening. They do it early in the morning, late at night and during my work day and it 's absolutely inappropriate and aggressive. It has caused me so much unnecessary stress that is actually impacting my already fragile state of health.