davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-17
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. (TX)

See attachment Other Inquires I didn't authorize 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 2023-05-16
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: AMERICAN EXPRESS COMPANY (NY)

I received the pre-approved offer of Amex platinum card in mailbox ( XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX ) on XX/XX/XXXX, in which it said I could get XXXX membership points as the welcome offer if I applied the card. Also, it said very clear that I was pre-approved. 

Then XX/XX/XXXX, I applied this Amex platinum card online, when it was being processed, I made a phone call to the Amex customer service about the application. During the phone call, I asked three times to check whether I indeed have the welcome offer with my application not, and all three times the representative told me that yes you got the offer. Then she said I got approved, and asked me do I want to have the card, then I accepted. 

Then later on XX/XX/XXXX, when I asked the online customer service to send me a copy of the welcome offer details, I was told that my welcome offer was declined. I explained what happened and she asked me to contact the customer team via phone call. So I made a phone call again and asked what happened, and this time I was told by the representative that I indeed didn't get the offer and she said the decision was made based on my previous relationship with Amex. She also told me it was very unlikely that the decision would be changed although I have the evidence to show that I was not responsible for what happened. So now I have this card with me with no welcome offer at all and also I need to pay for the annual fee. 

I think what happened to me is nothing but a fraud as they first sent me the promotion saying that I will 100 % have it ( pre-approved ), then during the process the representative tried very hard to persuade me to accept the card so she kept telling me that I got the offer, and at last after I applied and got it they denied on what they said immediately and rejected to give what I supposed to have. 

Also the reason they gave was very ridiculous and contradicted to their own statement, because if it was because I didn't have a good relationship with Amex, why they sent me the customized pre-approved offer at first? I feel I was cheated by them and I am a victim of the false advertising of Amex.
Consumer complaint received 2017-04-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

unable to secure checking account because of information on credit report of Equifax. made several attempts to have information cleared but no response from Equifax. This information on credit report is related to notice of class action settlement. Case XXXX vs Equifax. Case # XXXX Violation of Credit Reporting Act.
Consumer complaint received 2023-05-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I was traveling on vacation with my family. Our car got broken into in XXXX XXXX across the XXXXXXXX XXXX and my wallet was stolen. This occured on XX/XX/2023. My credit  cards were all swiped at XXXX XXXX XXXX CA  ) and I got messages on my phone at XXXX XXXX. I immediately called Bank of America ( my credit card company ) immediately and disputed a {$370.00} charge at XXXX, and filed a fraud claim with them in addition to reporting my card stolen. The thieves tried to swipe the same card for XXXX $ which was declined. 
I subsequently filed a police report with the XXXX XXXX reporting all my stolen items including my laptop and passport. 

BoFA  got back to me and told me that they were investigating my claim. They initially credited the XXXX $ back to my account, but after 10  days, they've closed the investigation and taken it out of my account again. 

Their resolution letter reads, " We confirmed your card was used for the charge ( s ). The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. '' I am attaching the police report and Resolution LetteXXXX from BoFA to my complaint letter. I am also attaching photographs of our car with the window smashed ( with time-stamps ).
Consumer complaint received 2023-05-16
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have opened my account with Capital one on XX/XX/XXXX, using promo code XXXX and deposited {$100000.00}, as advertised from my XXXX account. Per terms of advertisement if I keep my money for 90 days, I will get {$1000.00} as sign on bonus. I kept my money in account until XX/XX/XXXX ( i.e. 94 days ). I call bank on XX/XX/2023 and asked when I will get my bonus customer support told me I am not eligible, I argued with them and then transferred to supervisor. The supervisor told me I am eligible and will get my bonus on XX/XX/XXXX ( ref number for call : XXXX ). Today on XX/XX/XXXX, I didn't receive my bonus. I called bank again and spoke to supervisor. She told me, other supervisor mentioned I might be eligible and she didn't guarantee. I remember she did mentioned I will get it as it is per the term. I asked to listen to recording and file a complain for it ( ref number for call : XXXX ) As next step bank will take 30 more days to resolve this whether I will bonus or not. So, I want to raise this complain with CFPB as well. Happy to provide all relevant information as well.
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Despite of my previous request, I had found out that there were still erroneous accounts on my credit file that seems to be inaccurate. For that, I am submitting again this CFPB Complaint to espress my dissatisfaction as I saw my credit report again. I want some investigation regarding these matters. The following accounts needs to investigate and be corrected or deleted on my file : XXXX XXXX XXXX XXXX : {$6900.00} Date Opened : XX/XX/2020 - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. Please update it immediately. XXXX XXXX XXXX XXXX : {$0.00} - This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy. XXXX XXXX XXXX XXXX : {$7100.00} Date Opened : XX/XX/2020 - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. XXXX XXXX Balance Owed : {$7400.00} Date Opened : XX/XX/2020 - I do not believe I was late on the dates you are reporting. Please report the payment status positive and update all late from reporting on this account.
Consumer complaint received 2017-04-02
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I have the inquires on the attachment that should be deleted from credit report. Did not authorize these inquiries. I have contacted these banks as well about this. Included emails stating not to go through all these banks for loans.
Consumer complaint received 2023-05-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (FL)

I placed my mortgage into forbearance in XXXX oXXXX XXXX and missed 7 total payments. XXXX of XXXX was the beginning of XXXX and the forbearance guidelines were not fully established by any company. I was assured, however, by Midland representatives upon placing my mortgage into forbearance that the process was simple and that no penalties, no interest, no credit reporting would be enacted by the company and that my misses payments would simply be put on the back end of my mortgage. Long story short, I have been trying to resolve this problem for years! I owe more on my mortgage now than when I started this process, how is this possible? Midland mortgage has reported me over 180 days delinquent to the credit bureaus not once, but twice which is illegal during a XXXX forbearance plan. These actions prompted the filing of 2 prior CFPB reports against midland. This is the only way to get any competent individual from that company to call me back. 
This complaint is an attempt to try to resolve this mortgage assistance program that midland put me in and never fully approved. I was told they were waiting on the VA, when I have an approval letter from the VA. Bottom line, I am trying to pay what owe and noone can figure this out. It is honestly easier at this point to work the account backwards starting with my original loan balance. The process used by midland is so confusing that the customer nor the employees understand it.
Consumer complaint received 2017-11-24
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. (IA)

Recently I got 67 % of my XXXX XXXX. I reached out to all three credit bureaus in regards of my credit when I was in the hospital I have over XXXX inquiries, several debt accounts thats arent mine. I tried disputing it, didnt get me nowhere ... I sent a certified letter to each credit bearu requesting full validation of debt and inquires into this matter. Also stated Ill file a lawsuit if not addressed in a timely manner. The only one that has got back to me and removed 97 % of false info is XXXX. XXXX and transunion has gave me the run around I followed up with the two and havent heard anything in response.. starting on XXXX/XXXX/2017 Ill file lawsuits against transunion and XXXX for reporting in accurate information as I can from the fair credit reporting act and see through with claims to the fullest.
Consumer complaint received 2023-06-05
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2024-02-29
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. (VA)

Upon reviewing my credit report, I have identified inaccuracies and fraudulent accounts that need reporting and correction through your company. Please assess and investigate the accounts that are not entirely accurate. I request the prompt removal of all inaccurate entries from my credit report.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Please take a look at the attached letters and ID docs for verification that it is I 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 XXXX
Consumer complaint received 2023-07-04
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. (NJ)

XXXX XXXX XXXX - Account # XXXX In accordance with the Fair Credit Reporting Act. The above listed account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX  - Account # XXXX, 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 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 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I have reported inaccurate items on my credit report and have repeatedly requested the information to be investigated and delated and the credit bureaus have ignored my request. Misspelled names, old address and past employees that I no longer work for.
Consumer complaint received 2023-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FinCo Services Inc DBA Current (CA)

hi i have two disputes open with current bank from XXXX XXXX it still is in review the charges were in XXXX XXXX XXXX XXXX and i can prove where i was with XXXX timeline also they denied multiple transactions but approved two and i didnt recieve any notificationp
Consumer complaint received 2023-07-04
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: Experian Information Solutions Inc. (AE)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (NE)

Since XXXX I was and still customer of Wells Fargo and from the year of XXXX to XXXX up to currently I was and still charged with incorrectly over draft fees with each time the amount of {$35.00} even though I was canceled this fees to be charged I went to Wells Fargo branch and I was making payment for XXXX XXXX for my car auto loan which is every month is {$370.00} and it was charged high interest fees because of delays from Wells Fargo.
Consumer complaint received 2023-06-05
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. (FL)

The following inquiries were not authorized by me. These fraudulent inquiries need to be removed as soon as possible. As a victim of my information being compromised in the XXXX breach, Transunion breach, XXXX Breach and the black market, I need these to be removed.
Consumer complaint received 2023-06-05
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. (NY)

Transunion stated that they removed a late payment on my account and its still not reflecting on my report. Complaint # XXXX XXXX
Consumer complaint received 2024-02-29
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. (IL)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error.
Consumer complaint received 2023-07-04
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. (FL)

Hello, I am XXXX XXXX In accordance with the Fair Credit Reporting Act, the following list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The accounts aforementioned : XXXX XXXX, account number - starting with - XXXX XXXX XXXX, account number - starting with - XXXX XXXX XXXX XXXX, account number - starting with - XXXX. The concerns for this acct. are the late payments in XXXX of XXXX XXXX Bank, account number - starting with - XXXX XXXX XXXX XXXXXXXX XXXX account number - starting with - XXXX XXXXXXXX XXXX XXXX account # unidetermined - the debt has been paid, please remove this account XXXX XXXX XXXX, account number - starting with - XXXX XXXX XXXX XXXX XXXX XXXX, account XXXX XXXX starting with - XXXX 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 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 or 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.

Thank you for reviewing my request, please confirm you have received it and will delete these accounts within 30 days. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-19
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. (DE)

This account does not belong to me. I have reached out to the credit agency several time in reference to this matter. 

XXXX XXXX account # XXXX Balance- {$970.00} opened XX/XX/2021 XXXX account # XXXX Balance- {$68.00} opened XX/XX/2021 XXXX XXXX XXXX account XXXX XXXX balance- {$940.00} opened XX/XX/2021
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Let this letter serve as formal notice that you have failed to respond to my dispute letter. I sent a letter requesting that you reinvestigate or delete dispute items from my credit report as well as temporarily remove these items from my report during the investigation period. As of this date, you have failed to respond to my request. As you can see, I am keeping careful records in regard to this matter. It has been well over the 30 days allowed by federal law for you to respond. The law stipulates that you must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. Your failure to comply with federal regulations is a serious violation of the Fair Credit Reporting Act and could result in an investigation by the FTC. I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the disputed items from my report immediately as you failed to comply with the law. Otherwise, I will contact the Federal Trade Commission and advise them of your apparent disregard for consumer protection laws. Attached is the letter that was sent in XXXX which is dated and time stamped.
Consumer complaint received 2017-11-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: States Recovery Systems, Inc. (ME)

On XX/XX/XXXX I received a letter from States Recovery Systems , Inc., purporting to be collecting debt that I owe to a third party company. However, the letter was fraudulent. I encourage you to pursue this company and stop them from attempting to defraud others. 

Here are the details of the case. The letter that I received stated that States Recovery Systems was attempting to collect a debt in the sum of {$1200.00} from XXXX. XXXX is the phone carrier that my wife and I use for long distance. I had recently tried out a mobile phone that they offered, but I returned it to CREDO in XX/XX/XXXX, before the end of the trial period, because they do not have good coverage in the neighborhood where we live. On receiving the letter from States Recovery Systems, I contacted XXXX to verify that I do not owe any debt to them. The representative who I spoke with confirmed that this was true, and that the letter from States Recovery System is incorrect. 

When I searched for States Recovery Systems on XXXX, I found numerous reports of other customers whom the company had attempted to defraud. It appears that the company has a pattern of pursuing people for nonexistent debt. I fear that my age ( XXXX ) may have made me a target for this scam. Companies that go after the elderly with fraudulent debt collection schemes deserve to be prosecuted to the fullest extent of the law. I am happy to contribute any other information that you might need in order to do so.