davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-18
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. (SC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account number- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account Number- XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number- XXXX I am writing a Dispute of Inaccurate Information Under 15 USC 1681s-2, In accordance with 15 USC 1681s-2 ( a ) ( 1 ) ( B ), you are required to correct and update any information you have provided that is inaccurate or incomplete. I request that you investigate this matter
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ITS SHOWS XXXX  WHEN PAYOFF IN FULL WITH XXXX  BALANCE ONXX/XX/2024XX/XX/year>
Consumer complaint received 2023-07-12
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 (CA)

I saw in the news about bofa getting penalized for issues including mine, which was the alaska airlines promotional miles spending requirement for miles. I spent many phone calls, emails, and even had my financial advisor with Merrill Lynch, a bofa company, to help with no resolution, not even a partial awarding of reward miles. 

In XX/XX/2018 I signed up for the card. The night I researched, I was finding two offers-one had a XXXX spend requirement with XXXX bonus miles, the other XXXX spend requirement XXXX bonus miles. When I went to apply I could only get the XXXX to go through, and I noted that XXXX needed to be spent. I ended up spending about XXXX in the first 3 months and noticed 4-5 months later I never got miles. I emailed bofa to inquire and got a denial. Then, I called and spend 2 hours going back and forth between bofa and alaska with no solution. The biggest issue I had was that nobody could provide evidence of the spending requirement I had signed for. They said I was supposed to have XXXX spent but my statements and any documents in my account did not provide information about that. 

I went back and found that in XX/XX/2018 that transitioned the promotional offer from the XXXX miles, XXXX requirement to the XXXX miles, XXXX requirement. Even the lady from bofa I spoke with agreed that their system and coordination with alaska was glitchy and there was a chance that their system auto-booted me to the other promo offer on their end, but with no notification or information of me to be aware of this. 

The fact there was no proof of what my spending requirement was had me so frustrated. None of the papers sent in the mail had it either. It felt incredibly unfair to KNOW i signed the XXXX requirement, XXXX bonus online and spent XXXX shy of the XXXX they claimed I needed to ... and not even a partial awarding or small token was given. mind you, also being a preferred bofa member with merrill lynch I was shocked to be dismissed without consideration. 

I never got ONE bonus mile to my account after all of my investigating, calling etc. They couldn't provide evidence of the signed document I supposedly had and none of my statements showed progress toward the spending minimum. This felt shady, deceptive and non-transparent. Clearly, nearly 5 years later I'm still bitter and feel slighted by this situation. I've continued keeping this card the last 5 years because of it flying to my hometown, the free bags and companion fare and have racked up XXXX of my own miles in that time. 

Back then I was not able to login and find my original account documents and today I am also unable. The lack of clear communication/information is concerning, especially considering that I am a type A person, financially literate and I can only imagine the mess people get in that are not as savvy in situations like this.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' TOWN OF HEMPSTEAD EM 15 LATE PAYMENTS Balance details 37 % paid off Balance {$1800.00} Balance updated XX/XX/XXXX Original balance {$3000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Installment Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX - - XXXX - XXXX - - XXXX - XXXX - - XXXX - XXXX - - XXXX - XXXX - - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX - PAYMENT HISTORY LEGEND Status At least 120 days or more than XXXX payments past due Status updated XX/XX/XXXX Past due amount {$1500.00} Original balance {$3000.00} Monthly payment {$96.00} Additional info Responsibility Individual Account Terms 36 Months Company sold - Original creditor - Comments CUSTOMER UNABLE TO LOCATE CONSUMER FIXED RATE Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX NY XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.
Consumer complaint received 2023-07-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-03
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. (NY)

In accordance with the Fair Credit Reporting Act. This creditor has violated my rights. Under the 15 USC 1681 Section 602 states I have the right to privacy.

Under the 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USCS 1666B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-07-18
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. (CA)

I am writing once more to express my bewilderment regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. 
As you are aware, I have submitted the necessary documentation to the Federal Trade Commission ( FTC ) regarding these fraudulent accounts. Following this submission, Experian and XXXX promptly removed these accounts from their records. 

I have also contacted the companies associated with these accounts directly, and they have confirmed the removal of the accounts from their records. Thus, I am perplexed as to why these accounts continue to be reported by your bureau. 

It is crucial to recognize that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only breaches this duty but also subjects me to further harm. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MN)

To whom it may concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX XXXX - XXXX - My information was impacted by the XXXX XXXX breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! 

XXXX XXXX XXXX - XXXX - My information was impacted by the XXXX XXXX breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! 

XXXXXXXX XXXX XXXX XXXXXX/XX/year> This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap!
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' TOWN OF HEMPSTEAD EM 15 LATE PAYMENTS Balance details 37 % paid off Balance {$1800.00} Balance updated XX/XX/XXXX Original balance {$3000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Installment Payment summary 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 - PAYMENT HISTORY LEGEND Status At least 120 days or more than four payments past due Status updated XX/XX/XXXX Past due amount {$1500.00} Original balance {$3000.00} Monthly payment {$96.00} Additional info Responsibility Individual Account Terms 36 Months Company sold - Original creditor - Comments CUSTOMER UNABLE TO LOCATE CONSUMER FIXED RATE Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX NY XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.
Consumer complaint received 2024-07-09
Product: Credit 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: WELLS FARGO & COMPANY (NC)

I had fraud reported on my card XXXX for several purchases totaling {$1200.00}. I called that evening to report the fraud, they closed the card and sent me a new one. on XXXX I noticed there were purchases I had made that day that were not showing in pending yet and was told they would show up and continue to go through since they were approved on the card prior to the card being closed. The next day, I saw authorized charges from the prior day that were not showing the night before, but there was also an unauthorized charge for {$26.00} for XXXX that I called immediately and they said they would add it to the original fraud claim. I saw the {$1200.00} unauthorized purchases were credited back on XXXX, but the {$26.00} was not. I called Wells fargo and they said it would take the full XXXX days and to call back if I didn't see it credited. I called again on XXXX as the credit still was not processed. I was told by the rep that the {$26.00} payment was authorized on the old card, but posted to the new card, so then I was transferred again to fraud team- I was told by fraud team that they could not credit my {$26.00} without sending me ANOTHER new card ( I have already received a new card and had to change XXXX autodraft payments )- it seems like there would be a process of returning or providing credit for an unauthorized purchased on an old card even if they post the next day instead of having a client have to have XXXX new cards mailed out. I was told by the customer rep that we had no choice, that was their process. I asked to speak to a XXXX and was on hold for XXXX minutes and then was hung up on. Wells fargo 's inability to make a common-sense exception beyond their policy and lack of customer service is extremely frustrating- they could see that this payment was authorized on the old card, so to have me jump through hoops to get another new card and change XXXX autodraft payments for a second time and then hang up on me without any resolve is completely unacceptable and unbelievable.
Consumer complaint received 2024-07-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (GA)

My mortgage company is NEWREZ, I purchased new homeowner insurance because the company I was using increased my rate exorbitantly which caused my escrow to be in the negative and was going to increase my payment. The mortgage company is not showing receiving the insurance my insurance agent sent to them on XXXX and I faxed to them. I received a letter on XXXX dated XX/XX/XXXX stating because I did not have insurance, the mortgage company was going to " BUY insurance for my property '', in the letter was a number to call. I have called the number multiple times and I attempted to do XXXX chats online, but the chat bot was no help and I could not reach a real person, even though their phone options give an option to speak to a person, it continuously loops back to the main message of self servicing the loan. Their phone options also have an option to leave a message for a call back, as well as a number for a call back, I have done this many times and no one calls me. I do have insurance, and my load should not only reflect that I do, but also my escrow that is showing the negative needs to be changed to a positive. This company will not answer the phone to discuss anything, I need help in getting them to do their job.
Consumer complaint received 2023-07-19
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. (IL)

I was trying to by a house and realize. I have damages on my credit report.According to the 15 usc, 1681, Law. There should not be any damages on my report it is a defamation to my character. Collections, inquiries, charge offs
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$830.00} Charge-OFF : XXXX XXXX XXXX Balance : {$250.00} XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX CAXXXXXXXX  XXXX XXXX XXXX XXXX XXXX, CAXXXX XXXX XXXX XXXX XXXX XXXX XXXX CAXXXX  XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAXXXX  XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-07-19
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: EQUIFAX, INC. (TX)

Dear Equifax, I hope this letter finds you well. I am writing to express my deep concern and frustration regarding an unresolved issue on my credit report. There is an invalid inquiry from XXXX XXXX which, despite my previous attempts to resolve it, remains unresolved on my credit report. I believe this inquiry has been reported inaccurately and is adversely affecting my credit score. 

As a diligent consumer, I have exercised my rights under the Fair Credit Reporting Act ( FCRA ) to dispute this inquiry 's accuracy with your company. The FCRA explicitly grants me the right to ensure that my credit report is fair, accurate, and up-to-date. However, despite my efforts to rectify this matter, I have not received any satisfactory response or resolution from Equifax. 

I hereby request that Equifax conducts a thorough and immediate investigation into the invalid XXXX XXXX  inquiry on my credit report. I have attached supporting documentation that clearly proves the invalidity of this inquiry and warrants its removal from my credit profile. 

According to the FCRA guidelines, I understand that Equifax is obligated to complete this investigation within 30 business days from the date of my initial dispute. I trust that your company will uphold its responsibilities under the law and resolve this matter promptly within the specified timeframe. 

In the event that Equifax fails to address this concern and rectify the inaccurate reporting within the given 30-day period, I must inform you that I will be left with no choice but to pursue legal action to protect my rights as a consumer. I sincerely hope that it does not come to this and that we can find an amicable resolution to this matter before it escalates further. 

I believe in the importance of accurate credit reporting, not just for my financial well-being but for the integrity of the credit reporting system as a whole. As such, I expect Equifax to take this matter seriously and treat it with the urgency and attention it deserves. 

I would appreciate a written acknowledgment of this complaint and a confirmation of the initiation of the investigation within 5 business days of receiving this letter. Please provide me with regular updates on the progress of the investigation until a resolution is reached. 

Thank you for your immediate attention to this matter. I expect that Equifax will adhere to its legal obligations and resolve this issue expeditiously. Your cooperation in this regard will be greatly appreciated. 

Sincerely, XXXX XXXX XXXX.