davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-03
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: M&T BANK CORPORATION (NY)

On XX/XX/, I opened a new Premium Checking account ending in XXXX using the link XXXX with your esteemed institution using a promotional code that promised a {$400.00} bonus if I maintain combined average monthly balance of at least XXXX in any new personal M & T deposit accounts. I am pleased to inform you that I have diligently met all the specified requirements within the stipulated timeframe. 

To provide you with the relevant details : Account Holder 's Name : XXXX XXXX Account Number : My Choice Premium Checking - XXXX Promo link used : XXXX Despite having fulfilled the conditions outlined in the promotion, I have not yet received the promised {$400.00} bonus. I understand that administrative oversights can occur, and I am confident that this matter can be resolved promptly. 

I kindly request your assistance in investigating the matter and rectifying the issue at your earliest convenience. It would be greatly appreciated if you could provide an update on the status of my bonus and, if necessary, any steps I need to take to ensure the timely resolution of this matter.
Consumer complaint received 2019-12-18
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. (GA)

XXXX  is incorrectly reporting that my year of birth is XXXX. My year of birth is XXXX. 

The following inquiries was not authorized by me. Please assist me in getting these inquiries removed from my credit file. 

XXXX XXXX ( 2 TIMES ) XXXX  ( 3 TIMES ) XXXX XXXX XXXX XXXX ( 2 ) XXXX XXXX XXXX XXXX XXXX  ( 3 ) XXXX XXXX XXXX XXXX ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-02
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: Incomm Holdings Inc. (CA)

I have purchased a total of XXXX x {$500.00} visa gift cards from Incomm which do not work anywhere. I have contacted Incomm about this issue and they stated they pushed out a software update over the holidays, which may have affected my cards. They did not offer any type of resolution for how I can actually use the cards, other than to " keep trying at other merchants ''. This is absolutely unacceptable to me, as I can not use these anywhere at local stores or online, places I have been able to use these cards for years. These cards at the time of purchase were advertised as able to use anywhere, however, I am unable to use them anywhere. This is most certainly a breach of contract by Incomm, providing faulty merchandise, and altering the terms of use of my cards after my purchase. I am requesting a full refund for these cards along with the purchase fees for every card.
Consumer complaint received 2023-01-23
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. (HI)

Equifax has not removed almost XXXX inquiries. I have enclosed all information in attachment. 

It should be removed as it is impossible to verify where all these inquiries came from considering the fact that my private and sensitive information has been leaked all over the internet, by Equifax 's databreach, class action & settlement lawsuit, and is available for free, on XXXX XXXX, and on the XXXX  or XXXX XXXX internets for a fee.
Consumer complaint received 2019-02-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (SC)

I had a loan with One Main Financial for a few years making monthly payments, never seemed to decrease the balance. We came to a Settlement agreement of {$4900.00} agreed upon, XX/XX/XXXX, Payment attempt made, unfortunately had an emergency come up that affected the payment, no communication from One Main other that a Monthly statement that only stated the amount of {$4900.00}. Finally on XX/XX/XXXX we were able to make the payment of {$4900.00} and wrote in the Memo and on the payment stub, " Paid In Full ''. One Main has accepted this payment and credited it to the Account, however they are stating that there is still a remaining Balance of $ XXXX and that the account is not closed and paid in full. This information was provided by the Customer Service Rep, when I asked to speak with a Supervisor / Manager, and VP, Executive ETC. that could help with this matter, I was told that all the supervisors were at lunch and that there was not a Executive or VP or Higher within the company that I could speak with. The only help that they offered was to set up another settlement for the $ XXXX that they are saying, I still owe with no written documentation sent to me. 
and the offer to modify the amount which I declined, because they are Now PAID IN FULL, and this account needs to reflect this. 
I have paid well over the borrowed amount between the monthly payments that were made for 4+ years and the settlement of {$4900.00} On a total amount Borrowed of {$5000.00} As far as I am concerned ( and I believe there is a law stating this ) the payment of {$4900.00}, was credited to the account on XX/XX/XXXX and was accepted as a " Paid In Full amount '' as indicated on the stub and Check that was accepted and deposited. 
This account needs to be closed and settled as {$0.00} Balance One Main is  a bad loan company that takes advantage of people that are in need at the time and do not have established credit
Consumer complaint received 2017-08-01
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IN)

I asked for XXXX XXXX to verify or remove account information from my credit profile that I feel is incorrect. The bases for my request is because each of the three credit reports XXXX, XXXX and Experian are reporting different and conflicting information. I asked XXXX XXXX for a copy of the signed application. The response I received to that request. " Due to the method of application, there is no application copy available. '' I asked them for a copy of the payment history. Since all 3 credit reporting agencies are reporting no payment history and varying dates of delinquency. the response I received " We do not report a date of last activity. '' that is convenient. " We are not obligated to provide all of the documentation you requested, '' I did n't receive any of the information requested.
Consumer complaint received 2023-02-21
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. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. This is caused by identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number XXXX and XXXX account number XXXX has violated my rights. 

15 U. S. C. 1681 section 602 A States I have the rights to privacy.

15 U. S. C. 1681 Section 604 A It also states a consumer reporting agency can not furnish a account without my written instructions. I did not give them written Instruction.
Consumer complaint received 2019-12-18
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. (SC)

I have been the victim of identity theft for over 2 decades. When my wife passed away in 2009 its when I discovered that I had been the victim. I have been working with the 3 major credit bureaus as well as some secondary ones for the whole time I've been aware of my being victimized by identity thieves. Right now experian is breaking the law : section 605B of the FCRA. They are interpreting that law to harm the victims and aid in keeping fraudulent information on credit files.

Inquiries are fraud and they do not obey the law in removing fraudulent inquiries. 4 business days they are to remove the faud and they do not. They are accusing me of lying and saying that I provided material misrepresentations but I tried to tell them that they have to get facts they have to talk to the other party they can't just make that determination on their own because the law does not allow that. That they are arrogantly believing that and harming me in the mean time because I've asked them to call and they have not they have not done any investigation.
Consumer complaint received 2019-12-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (SC)

XX/XX/2018 GM Financial Incorrect Balance- {$720.00} This company is reporting an inaccurate balance. 
I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not complete thorough investigations. 

I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : The above referenced account ( s ) are unverified accounts. The account balance is being reported inaccurately. This account is showing negatively on my credit reports. The above account have adversely impacted my credit. I am requesting for this company to update information on my credit file as paid.
Consumer complaint received 2023-01-23
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. (PA)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights I only have 1 account with XXXX and I have never been late or have I ever miss a payment I don't know about any other acctounts with XXXX the account I have with them is XXXX 15 U.S.C 1681 602 A. States I have the right to privacy. 15 U.SC. 1681 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 section 602 A States I have the right to privacy
Consumer complaint received 2019-02-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CL Holdings LLC (WI)

I have never had a XXXX credit card. When contacted about the debt I replied I was not my debt. They never responded or validated the debt. Instead they reported it to all the credit bureaus after I stated it is not my debt. They robo called myself and my 2 sisters, 3 nieces and parents claiming they are looking for me in conjunction of a lawsuit. 
I have the call taped.
Consumer complaint received 2024-01-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (AL)

I received a fraud alert from Regions regarding a debit to my account from XXXX XXXX. I promptly responded to the alert, informing Regions that it was fraudulent as I do not use XXXX XXXX for any reason. The alert successfully prevented six charges from being processed, but unfortunately, three charges did go through and were posted to my account. I disputed these charges with Regions, but XXXX XXXX responded stating that the charges were valid, despite my inability to access the account. XXXX XXXX charged my account three times for a total amount of {$43.00}. Additionally, there were other charges posted to my account prior to these that I do not recognize. The company responsible for the purchases is based in XXXX. As of now, I have not reached a resolution, and I have filed a police report, although I am unsure of its effectiveness.
Consumer complaint received 2019-12-18
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. (NY)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. I HAVE ABSOLUTELY NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DE)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX  XXXX XXXX  - Date of Inquiry XX/XX/XXXX XXXX
Consumer complaint received 2023-01-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights I only have 1 account with XXXX and I have never been late or have I ever miss a payment I don't know about any other acctounts with XXXX  the account I have with them is XXXX 15 U.S.C 1681 602 A. States I have the right to privacy. 15 U.SC. 1681 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 section 602 A States I have the right to privacy
Consumer complaint received 2021-06-04
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NC)

Currently, Navient is reporting negatively on my credit report due to not being able to make the high amount monthly payments. I am a single mother with multiple bills and am unable to meet the monthly payment they have given. They send me notices via email daily and it stresses me out. I tried working with them and have been paying up until now. I can not afford the payments and they have no other options for me to repay the loan back. They were not able to work with me when trying to resolve this issue
Consumer complaint received 2023-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I complained about not receiving bills online or if payments were late, Bank of america continued to report to my credit bureau without making any contact with me. While I was in the XXXX  bank of America continued to report my account the credit bureaus and then closed the account after the account was on autopay. 

They have never sent a bill or collections letter, or a late notice. closing the account was premature and question how they handled the entire situation.
Consumer complaint received 2024-03-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2024-01-02
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (WA)

I am writing to dispute a charge of {$100.00} to my credit card account on XX/XX/2023. The charge is in error because we did not receive any statement notification via email between XX/XX/2023 XX/XX/2023. Due to this fact, and that we did not receive any paper statements as well, after the account went past 60 days due, I am disputing all charges on the account after XX/XX/XXXX, less the {$2.00} mandatory interest fee that item has been paid with the {$43.00} payment made on XX/XX/2023. 

I received the XXXX statement on XX/XX/2023, and my husband proceeded to pay the balance of the account on XX/XX/2023, of {$130.00}. After that payment, I did not receive any notice of a balance due until the XX/XX/XXXX statement. At that time, my husband made a {$43.00} payment to bring the account back to current, waiting to contact you after the new year and the holidays. Because I did not receive any email, or paper statements, as stated above, and the obvious intent at the time was to pay the balance off, I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement showing a XXXX balance on the account.
Consumer complaint received 2022-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (CA)

possible finance {$100.00} date opened XX/XX/XXXX XXXX XXXX XXXX date opened XX/XX/XXXX i have tried to dispute this account multiple times and they keep coming back as " verified '' even though i have sent a police report for these items they still wont remove it off my credit report i justed called XXXX XXXX XXXX on XX/XX/XXXX @ XXXX @ XXXX and the representative told me that i dont have an account with them i gave them my socail and everything.
Consumer complaint received 2021-11-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Bank of America still has not answered my question with their correspondence pertaining to my HELOC. I have attempted over six times to make contact with their regulatory body XXXX XXXX however, each time got her voicemail. I have left several messages on her voicemail, and yet have not heard back.
Consumer complaint received 2023-01-23
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. (FL)

I sent attached document to Experian, they did not reply to my said request in a timely manner. In fact, no reply came from Experian regarding this matter. Please see attached
Consumer complaint received 2023-01-23
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. (CA)

I am disturbed that XXXX, XXXX and Equifax continue to list the dismissed bankruptcy as confirmed within my credit files. Although it is your policy to keep reporting bankruptcies that are filed, dismissed, or adjudicated for XXXX years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order of relief. 
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. 
Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this letter.
Consumer complaint received 2023-01-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (VA)

My wife and I Bought a condo in XXXX and the mortgage was sold to Wells Fargo. In XXXX we tried to refinance and or take off the PMI. Wells Fargo under value the appraisal and would not removed the PMI. Further, they refused to offer us a lower interest rate. We ended up selling the condo in XXXX at a lost.
Consumer complaint received 2023-01-23
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. (TN)

In accordance with the Fair Credit Reporting Act, the list of account have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602A states I have a right to privacy. 

15 U.S.C. 1681 Section 604A Section 2 states that a consumer reporting agency can not furnish my account without my written instruction. 

15 U.S.C. 1681 ( A ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following : any other adverse item of information, other than records of convictions of crimes which antedates the report 7 years.

15 U.S.C. 1681-2 ( A ) ( 1 ) states that a person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe the information is inaccurate.