davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-24
Product: Credit 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 (MA)

Date : XX/XX/year> Financial Institution : Bank of America Product/Service : Credit Card Promotional Offer Re : Account number ending in XXXX Complaint : Today, I used Bank of America 's online chat service to inquire about a credit card promotional offer advertised on their website. The specific webpage I accessed was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX & XXXX During the chat with a representative named XXXX, I encountered several issues : Missing Information on Promotional Offer : The webpage describing the offer did not indicate the specific account to which the offer applies. I raised this concern with XXXX, but she did not acknowledge the lack of clarity and instead offered workarounds like checking the last four digits on a previous page, which was not helpful. 
Repetitive Responses : Throughout the chat, XXXX repeatedly asked if the information provided was helpful, even when I was addressing a different issue. 
Limited Agent Capabilities : XXXX was unable to provide specific details about the offer terms or send me a written confirmation with my account information. 
Disconnected Chat : After reiterating my concerns about the missing information on the webpage and requesting a written confirmation, the chat representative named XXXX disconnected the chat without addressing my issues. 
These issues prevented me from fully understanding the terms of the promotional offer and from obtaining a written confirmation for my records. I believe Bank of America 's website should clearly display the account to which a promotional offer applies, and their chat representatives should be empowered to address customer concerns effectively. 
Request for Relief : I would like Bank of America 's to review its practices regarding the clarity of their promotional offer descriptions and the effectiveness of their online chat customer service. Additionally, I would appreciate Bank of America contacting me to : Provide a clear explanation of the promotional offer, including the specific account to which it applies. 
Send me a written confirmation of the offer with my account information. 
Thank you for your time and attention to this matter.
Consumer complaint received 2023-09-15
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. (NJ)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX 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 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I have requested for the credit agency to remove/delete a bankruptcy that is inaccurate. I also requested for the company to provide detailed information on the process that is used to verify bankruptcies but the agency failed to provide this information. This has been very difficult to fix. It has been over 30 days with multiple disputes without a solution/explanation. The company has not deleted/ removed this from my report causing me tremendous financial distress.
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/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
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (FL)

When attempting to acquire my Experian credit report from XXXX I keep receiving this error message - " A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian XXXX XXXX XXXX, please mail your request to the address below using the XXXX XXXX XXXX  Request form. '' This is a violation because it is not free. If i have to mail in a request, i need to buy postage. Sending mail is not free and Experian has neglected to fix this issue for YEARS. There are many many complaints from consumers reporting the same issue online. Experian has still not fixed this issue. XXXX and XXXX provide credit reports with no issue through XXXX
Consumer complaint received 2024-01-06
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. (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.

has violated my rights. Or a 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 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 2024-01-05
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. (AZ)

In the course of reviewing my credit report, I spotted some inaccurate and fraudulent accounts that need reporting and correction through your company. 

Please see the attached XXXX file on this complaint. These are the letters I submitted to the involved Bureaus and my personal documents attached to it.
Consumer complaint received 2023-07-05
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-04-02
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: MOHELA (MI)

in accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 2024-01-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (PA)

Re : Case # : XXXX Dear XXXX XXXX XXXX In respose to your letter today XX/XX/XXXX XXXX  please be advise that the last 4 of my SSN are correct to start with. I did not provide the XXXX, the representative asked me for my phone number and I provided XXXX, Both of the account that you have on file were the result of Identity theft I made that very clear to the representative on the phone. I sent a letter to compliance via certified mail XXXX to XXXX XXXX XXXX XXXX XXXX, CA XXXX. Enclosed was a Id Theft affidavit and Copy of the police report as well as copy of my DL. In this complaint is attach the letters from the original creditor statement that they agree that the account indeed were the resualt of Id Theft. I am not gooing backk and forth with MCM next step is retaining an attorney and filing a suite for willful non compliance. This is an official notice of my intent to file federal law suit. Your company has 7 days from this complaint to delet this account XXXX. XXXX XXXX. XXXX.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

I noticed that there were multiple addresses recorded on XXXX, Experian, and XXXX. My correct address is the one indicated on the billing information I am sending you along with this complaint. There is also a misspelled name entry under XXXX. I tried sending them letters to request the removal of this incorrect information on my report, but apparently, they are still there as we speak. It has been causing me inconvenience whenever I apply for a bank loan or credit card because the creditors question me about these multiple addresses and employer information that are not mine.
Consumer complaint received 2024-01-05
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. (TX)

It is against the law/ illegal to report transaction history pursuant to title 15 U.S.C . 1681b ( c ) & in violation of The Fair Credit Reporting Act ( FCRA ) - XXXX, XXXX, & Experian are reporting transaction history which is causing a negative image to be portrayed on me, the consumer. This is a defamation of my character & is preventing me my right to well-being, personal property & a pursuit to happiness.
Consumer complaint received 2023-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

I have four credit inquiries on my credit report which I did not authorize. Upon trying to get it removed by the credit bureau they informed me that the only way to get it removed is by filing a consumer report.
Consumer complaint received 2023-04-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (KY)

no kowledge of debt collection that companies are trying to get me to pay on. I didn't try any loans or apply for anything that would change or show up on my reports. I'm worried someone may have accessed and use my information and made these charges and changes to my report
Consumer complaint received 2024-07-20
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Innovate Managed Holdings, LLC (TX)

On XXXX my vehicle was repossessed. I asked the repo agent not to take the car and was told, he had to. This did XXXX the XXXX in my apartment complex. I spoke with a service agent at Innovate auto loan services and made a payment on XXXX of {$200.00}. The agent stated if I made a payment of {$100.00} my car would be removed from repo status and I could defer any remaining past due payments. I made a payment of {$100.00} on XXXX. All calls are recorded. After the car was picked up from my residence, I spoke with a XXXX and was told after XXXX hours my car would be sent to auction. The XXXX stated my lender gave them permission to repossess my vehicle. On the contract is shows XXXX XXXX XXXX and the lender. However, XXXX XXXX XXXX stated as of XXXX an assignment of contract went to XXXX. I never received notice of this. On the contract Innovate Loan Services did send me, it shows XXXX XXXX as the lender. When I asked for an updated copy of the contract with my signature, the Innovate XXXX told me I would not be given a copy and to just make the payments needed to gain possession of my vehicle if I wanted it back. I have been requesting information via email and have not received a response in the XXXX hour turn around time they offered. I called again to Innovate Loan Services and was told I called too much and there will be no additional information that they would give me. I did request a XXXX XXXX and did not receive a response. I also requested a breakdown of how my payments were applied toward my account. I was sent statements and pay history. My end goal is to gain access to my vehicle that Innovate Loan Services dba Innovate Auto Finance or Pagaya ( XXXX XXXX ) has fraudulently obtained. And for all fees to be paid by the above name companies.
Consumer complaint received 2024-03-06
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (AR)

We open 2 accounts on XX/XX/XXXX Saving account # XXXX ( {$1400.00} ) and Checking account # XXXX ( {$2000.00} ) The checking was transfer from the saving account # XXXX that was just open. The saving account also have my sister and father on it. 

On XX/XX/XXXX, I can not access the online account. I was told the accounts are being close and I will receive my fund back in the mail in a form of 2 checks. 

I did not received the checks but the letter from Chase bank notified that the account is closed. 

On XX/XX/XXXX, my father and I have called on XX/XX/XXXX. We was told that the checks will be sent. 

On XX/XX/XXXX, the checks were not received. We called and the service personnel at Chase escalated the phone call to the supervisor, and after 1+ hours, we was told that it was approved and the checks will be sent and I will received it at on my address on record of XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX in 10 days. 

On XX/XX/XXXX, the checks was not received. We called and the service personnel at Chase escalated the phone call to the supervisor, and after 1+ hours, we was told that it was approved and the checks will be sent and I will received it at on my address on record of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in 10 days. 
We was told that our previous called was never received, an only the XX/XX/XXXX was on record.. She told us that if we call and check back by next Tuesday, that there will be a check number written for our checks. The checks will be for {$2000.00} and {$1400.00} On XX/XX/XXXX, the checks was not received. We called and the service personnel at Chase escalated the phone call to the supervisor, and after 1+ hours, we was told by the supervisor that the money from the checking and saving accounts was XXXX. Someone from Chase would call back the next day. NO ONE CALLED.
Consumer complaint received 2024-08-05
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)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2023-11-12
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: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Last XXXX digits of XXXX XXXX To Whom It May Concern, I am writing to address a matter of utmost concern regarding my recent credit report. Upon reviewing my report, I discovered unauthorized credit inquiries made by the following entities. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-12-25
Product: Credit card — 
Issue: Advertising and marketing — 
Company: SYNCHRONY FINANCIAL (AZ)

on XX/XX/2016 I went into Walmart to purchase XX/XX/XXXX decorations. During checkout the clerk informed me that I could get XXXX % off my purchase if I applied for a Walmart credit card. I agreed. I put my personal information in the terminal and he took my drivers license and input my information into the check out. I was approved and was then told I would receive a XXXX % discount on my purchase, instead of {$50.00} off. Once the purchase was completed {$150.00}, I did not see the XXXX % discount and was told it would show up on my statement. I received my credit card and my name was posted wrong. It listed my last name first, my middle initial was for my first name and my middle name was posted as my last name. I received my statement and received a credit for {$22.00}. I called the customer service center to complain and I was told there was nothing they could do. I informed them that my name was spelled wring and requested assistance to correct it. I was informed to fax a copy of my license to a number and it would be corrected. During the interim, I used the card. On XX/XX/2016 I tried to use my card at XXXX and Walmart and it would not let me complete the transaction. I called Walmart customer service and was told that I was told that the first time I called the representative should have allowed me to select a PIN and that I can not use the card, because the deadline have passed and they would now have to mail me a PIN to use the card. The problem that I have experienced is that I was not disclosed, or disclosed wrong information - otherwise, I would not have applied for the card. I was also put in embarrassing situations without being told that I needed a PIN to use the card. 
Thank you for any help that you can offer.
Consumer complaint received 2023-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Block, Inc. (SC)

On XX/XX/XXXX my ( Cash App ) card was fraudulently used in a XXXX XXXX in XXXX, GA. I live in XXXX, SC. I received a series of messages from the app informing me my card was used multiple times in multiple places in XXXX, XXXX After locking my card and contacting the company, all charges except this {$150.00} charge were refunded to my account. I since then have followed all instructions via email, and have called multiple times to resolve the matter. In fact, I called twice today ( XX/XX/XXXX ) and spoke with a representative who hung up on me after I repetitively requested to speak with a manager, she stated verbatim, " I have done all I could for you and I'm not going to discuss this with you further. I'm disconnecting the call now. '' Then hung up. The second time I called a representative XXXX would not connect me to a manager and only offered to once again email an escalation of my transaction. I have waited over 45 days as instructed by Cash App and there has been no investigation. Will someone be so kind as to assist me in reclaiming my stolen funds of {$150.00}. I disputed this via email on the following dates : ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), & ( XX/XX/XXXX )
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (MI)

On XX/XX/2022 I recevied an email that my student loan was forgiven. ( See letter enclosed ) On XXXX DEPT OF ED/NELNET Reported on my XXXX consumer profile that this loan is open with a balance. 

I did not agree to this nor sign any documents that any prior closed student loan could be transferred and reopened. 

15 USC 1681B ( 2 ) for misuse of my report and decreasing my score. This company has violated my consumer rights. This account needs to be closed immediately.
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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.