davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (CA)

I currently have {$380.00} available in cash back to redeem but customer service is not allowing me to redeem it saying since they closed my credit account ( without my knowledge ) they will forfeit the rewards. This forfeiture is extremely unjust in my opinion because : 1. I provided all documentation they requested and they are all valid. Front and Back of Driver 's License, Front and Back of Social Security card and Two different utility bills to verify my current address, I have used these documents numerous times for identity verification. They still closed my account and did not provide me any grace period to redeem the {$380.00} rewards.

2. They never reached out to me by email or phone- asking me a question or for explanation, clarification regarding my use of Credit. They completed the review without giving me any opportunity for a mutual understanding.

3. I've been very proactive with my reaching out to them. I called Account Protection just because my card was not working and after speaking with a helpful agent I emailed the documents as soon as I got off the phone. A few days later, I even called to follow up on review.

4. Overall I feel my account was not only closed without any clear understanding or due diligence but I believe it is even more wrong not giving me the rewards I earned. I hope you will try to somewhat correct the situation in recognition of my efforts and all great communication I have with your CSRs over time.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXXXXXX is not reporting to the credit bureaus correctly for my payments in XX/XX/2024. They should be reporting that it was current no unknown, I paid it and have proof of the payments in XXXX. Please have them update all XXXX credits places as they do a percentage and with this not showing it was current in XXXX, it lowers this score. I am trying to buy a home for my children and I. 

Thank you
Consumer complaint received 2023-04-22
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. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$110.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-27
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. (PA)

My name is XXXX XXXX XXXX and this personal statement is being written by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681S-2 states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have2 resumed having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts : XXXX XXXX, XXXX XXXX XXXX.
Consumer complaint received 2023-12-20
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. (PA)

On XX/XX/XXXX, I mailed my FTC report and my license to XXXX, XXXX, and Transunion. I will be filing a civil suit against these companies. I have fraudulent accounts reporting on my consumer report illegally.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (LA)

Lexis Nexus is inaccurately reporting 3 bankruptcies on my behalf and without my consent. This information is incorrect and should be removed from all reporting agencies as this inaccurate reporting has negatively impacted my life.
Consumer complaint received 2023-10-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (HI)

Today I received a response from my CFPB complaint which closed the case, but that case was not resolved. 

I was removed from Administrative Forbearance, but my account wasnt changed to allow a payment due under my payment plan. My payment due date is still XX/XX/2024. With this status XXXX wont be able to take advantage of the SAVE interest waiver benefit, thus accruing thousands of dollars in interest.
Consumer complaint received 2015-11-27
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION (FL)

I received a NSF fee for an item even though I had a positive balance on my account after the item was charged. All of the items posted and left me with a positive balance at the end of the business day on XXXX/XXXX/2015, but on XXXX/XXXX/2015 the item was termed and I was charged an NSF fee. My online banking shows no sign that I was ever in the negative- I am attaching a copy of the bank statement. I spoke to XXXX people at the bank today, XXXX of which stated they were supervisors ( XXXX and XXXX ) who all stated that Regions Bank 's back office support is different than what their customers see via online banking. This is extremely disturbing- this ultimately means that the information related to the consumer is incorrect and can result in extra fees unavoidable to the consumer. 

I was advised that pending transactions from XXXX took precedent over all other charges that were posted the same day, even though the pending transactions did not post until XXXX/XXXX/2015. I hope I 've explained my complaint in a way that can be understood- I 'm still perplexed myself at the entire situation. The bank statement will clarify why I feel Regions Bank is acting unlawfully in not presenting all information to their consumers to assist in avoiding extra fees.
Consumer complaint received 2024-03-27
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: Experian Information Solutions 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 2023-12-20
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2023-12-20
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. (GA)

I sent out method of verification to the company for a collection XXXX XXXX XXXX on my account twice and hadn't receive anything back from the bureaus. I'm constantly getting a generic verified update. 

Also requested method of verification for late payments for XXXX and didn't receive a response. Not showing late on other credit reports Lastly, I ask for method of verification for a charge off account for XXXX XXXX XXXX XXXX and hadn't got a response
Consumer complaint received 2023-07-14
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. (LA)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-04-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (GA)

- XX/XX/22 - Opened a new checking account using a Promo that required to deposit and mantain a minimum balance of {$75000.00} for 60 days to receive a {$1000.00} bonus - XX/XX/22 - Transferred a total of {$75000.00} to the citi checking account from XXXX - early XXXX - Reached out to Citi to inquire on bonus status. They said I need to send them a completed W-9 form. I send the requested forms to Citi XXXX XXXX - early XXXX - Reached out to Citi, they confirmed received of W-9 form. Said to wait another week - mid XXXX - Reached to Citi again, created a ticket ( XXXX ) to follow up on the bonus status. Said it went to management level and they have to approve/complete - late XXXX - Citi says they still waiting on management to approve - XXXX - Still same status. Nothing CS can do to expedite the process
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-12-20
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. (OH)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-01-24
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

My dad received the cards at work during a holiday, tried to use them, couldn't use them anywhere he tried in XXXX, then gifted them to me a few months later. I forgot about them, then I tried using them online a few times without success and would try again on & off over time. 

For example, on XX/XX/XXXX, I tried paying for a successful bid on XXXX using one of the {$100.00} Amex Gift cards I had. It was denied and given a pending charge that disappeared after about a week. I had to use my credit card to pay XXXX instead. 

During the end-of-year holiday season of XXXX, I tried to top off my XXXX gift reward balance using XXXX of the cards ( XXXX, XXXX, XXXX, XXXX, XXXX ) for XXXX gift card orders. They were each given XXXX pending transaction for adding the card to my XXXX account and another XXXX for placing a gift card order. With another XXXX cards ( XXXX, XXXX, XXXX, XXXX, XXXX ), I tried to add them to my account just like any other credit card. Amex Gift Card support states to use them like you would with any credit card. After about XXXX weeks, the pending charges cleared on all of them, but when I tried using the first set of XXXX cards, they were immediately denied instead with no more pending charges. When I used the XXXX card to try an XXXX order, I was given a {$.00} pending charge, that would go away after about a week ( before and after images included in my documents ). I could not complete any orders on XXXX with these cards even after the waiting period. 

I tried paying for XXXX XXXX using one of the gift cards and it was denied immediately. This would've been a fantastic way to purchase a XXXX, with a gift card being second to cash. 

I could not add the gift cards to my XXXX or XXXX. 

I checked on internet forums such as XXXX and websites like Consumer Affairs. Many people suggested what was already tried above. 

Whenever I called Amex Gift Card support, it was very difficult to navigate their system to reach human support. When I did manage to reach someone, it was as if they were reading a script. For example, they suggested using it in person, even though I stated my attempts to use it either in-person or online through a variety of different vendors. 

The product that claims it " can be used virtually anywhere American Express Cards are accepted in the U.S. '' I can not use an American Express Gift Card anywhere American Express cards are accepted. I just want to be able to completely use up the balance on each of the cards completely, but I can't use a dollar off any of the cards. Please, I just want to use my gift cards to buy things simply as advertised by the company.
Consumer complaint received 2023-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (OR)

I am currently receiving Unemployment benefits from the state of Oregon. 

Oregon Unemployment Dept CID : XXXX For the week ending XX/XX/2023 : My benefit was processed on XX/XX/2023 and direct deposited via XXXX to my checking account at Navy Federal Credit Union . 

Date Posted : XX/XX/2023 or XX/XX/2023 Amount : {$680.00} Checking Account ending in XXXX That checking account was frozen and instead of being forwarded to my savings account the deposit has been held indefinitely. 

I spent approximately 10 hours on the phone with customer service and was unable to get the issue resolved and they acted like they were doing me a favor giving me access to my benefit. 

Unemployment benefits are protected funds and I want my benefits recovered and transferred to my checking account ending in XXXX.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023
Consumer complaint received 2023-12-20
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or 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 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MS)

XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, MS XXXX Resident type Single family ( this is not a valid address ) XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX Resident type Single family ( this a previous family address ) " I have never lived at this address/this is not my form Address
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (FL)

Upon viewing my most recent consumer report, I saw a bankruptcy that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy This Bankruptcy claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!
Consumer complaint received 2023-12-20
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. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : 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 2023-12-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (LA)

We recently received an email from our insurance agency saying that our mortgage company ( Mr Coopers ) contacted them to try and make a late payment on our homeowners which has been lapsed since XXXX due to them missing a payment. This was the first that my husband and I had heard from anyone about it being lapsed. We have never had an issue with it being paid out of escrow before in the 5 years we have had the policy. Mr. Coopers is blaming the insurance company for not sending them a bill and the insurance company is blaming the mortgage company for not notifying them that they purchased the mortgage from XXXX XXXX XXXX. My husband and I are now being forced to purchase a state insurance plan with a XXXX dollar premium when the policy we had before was only XXXX. We will likely not be able to afford our house note. Mr. Coopers also sent us a letter in the mail two days ago stating that we will have to reimburse them for the insurance during the time period that we were lapsed.