davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (MT)

I applied for and was approved for Citi American Airlines credit cards. I fulfilled the promotional spending terms of the offer and Citi awarded me those miles. However American Airlines confiscated those miles and terminated my account citing the miles were obtained fraudulent. They cite a 48 month eligibility restriction on getting those miles but no eligibility restriction in the terms and conditions existed nor existed in the application page terms and conditions. They claim Citi had those promotional offer restrictions in the header of the application page but that is false. The imply or insinuate that Citi is the one that is behind this deceptive, unfair and unreasonable action and confiscation. Citi vetted and approved my applications and I fulfilled the terms of their offer therefore this amounts to a deceptive bait and switch. No such 48 month eligibility bonus restriction language existed and this allegation is completely false. 

I am asking for citi to confirm that this 48 month eligibility restriction language did not exist and that earned miles were legitimately earned. Futhermore I would like citi to either provide me with the miles or monetary equivalent and/or compel American Airlines to reinstate my account and miles.

Regards XXXX XXXX AA Account # XXXX
Consumer complaint received 2018-05-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am currently in the process trying to secure a mortgage for a new house. When my lender went to process my file I showed up as having a foreclosure in the last 3 years ( XX/XX/XXXX ) ... This is where my complaint starts, and it is in regards to my previous mortgage situation ( Countrywide mortgage I believe acquired by Bank of America ) that I secured in XX/XX/XXXX. Starting in XX/XX/XXXX, CountryWide initiated the foreclosure process ( See Attachment # 1 ). In XX/XX/XXXX, I vacated the property and started the process for Chapter XXXX  bankruptcy. The bankruptcy included the property ( See Attachment # 2 ) and final judgment was issued XX/XX/XXXX ( see attachment # 3 ). Then in XX/XX/XXXX the foreclosure case initiated by Countrywide was dismissed because they failed show up to a hearing according to court records ( See Attachment # 4 ). I believe the mortgage* was acquired by Bank of America through their acquisition of Countrywide Mortgage . In XX/XX/XXXX, Bank of America initiated the foreclosure ( See Attachment # 5 ), final judgment issued XX/XX/XXXX ( See Attachment # 6 ) and sold the property to XXXX XXXX as of XX/XX/XXXX ( See Attachment # 7 ). This means that the property wasn't foreclosed on for roughly 9 years. I did some research ( I understand not official ), but there were articles referencing in the state of Florida companies have years to file foreclosure and then in XX/XX/XXXX I believe there were a few appeal cases that allowed lenders not to go by the 5 years ( I don't know too much about this ). I believe the lenders have an obligation to foreclose on the properties in a timely fashion. This is something that is almost a decade old and it is preventing me from purchasing a new at this time even I followed the correct process back in XX/XX/XXXX. This foreclosure is showing up in the HUD CAIVRS report as a foreclosure in the last 3 years. It is not fair the lender did not timely foreclose on this property. I believe this potentially could be an unethical and unfair practice by the lender. It took them 9 years from when the initial foreclosure started in XX/XX/XXXX. I did my part and they did not do theirs. This should have foreclosed back in XX/XX/XXXX, but they failed to show up to their own hearing. Thank you for taking the time to review this and their practices. I hope this can get resolved as I am currently under contract for a house with a closed of XX/XX/XXXX. Have a great day.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

I'm deeply troubled by the presence of this late payment on my account, as I've consistently made on-time payments. It's causing me significant distress, and I urgently request that you rectify this error by removing it from my account.
Consumer complaint received 2023-05-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC (TX)

DRS also know as Debt Recovery Solutions has placed a collections account on my credit report in violation of the FDCPA and FCRA. I have never been contacted by this company in any way. I have never received any mail from this company. They are reporting this as a new account opened XX/XX/2022 in the amount of {$1100.00}. They are claiming to represent XXXX XXXX. The debt with XXXX XXXX is a result of identity theft which documentation was provided. 

DRS is falsifying dates in order for it to appear to be a different account from the original account that was reported as identity theft. 

I have no relationship with DRS. I have not authorized them to use my personal information nor do I have any contract with them.
Consumer complaint received 2023-06-09
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. (NY)

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 2023-02-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (IL)

I was looking at my credit report and noticed my credit score drop a lot and seen that I had two collections on my report that I didn't know about or authorized. One was for XXXX XXXX and one was for a XXXX account for the amounts of XXXX and XXXX. So I proceeded to contact XXXX and XXXX and the police department and also all three credit bureaus.
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (MD)

I had 2 accounts with Affirm. They both were closed and sent to collections in XXXX. In XXXX of XXXX I paid both accounts to XXXX  and they were no longer in collections. However, affirm never updated my credit reports to reflect the balance to be XXXX Now, 6 months after I filed the dispute, they have now reported my XXXX report to be in collections as of XX/XX/XXXX. I called them several times and explained that I am showing in collections when I am not and now my credit is reporting even more inaccurate than before. They were very condescending and would not assist me. My account should not reflect in collection on my credit report as it not in collections. This is inaccurate reporting.
Consumer complaint received 2023-02-05
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: Experian Information Solutions Inc. (IN)

Unauthorized hard inquiries still being reported after I confirmed that they were not authorized. 

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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-02
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)

I have reviewed my credit report and have come across several HARD INQUIRYS that are listed below that i am not familiar with at all. TransUnion : 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 In accordance to the Fair Credit Reporting Act 15 U.S.C 1681 Section 602 A. States i have the rights 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
Consumer complaint received 2023-02-05
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: EQUIFAX, INC. (IN)

Unauthorized hard inquiries still being reported after I confirmed that they were not authorized. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-18
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: JTM Capital Management, LLC (NC)

I have contacted total visa to let them know I had fraud happen to me I had to file a police report on my ex wife because of she was putting fraudulent credit accounts in my name! They still says this item is accurate on my credit reports and still remains ... I never had a account with total visa! It should be remove from my credit report XXXX.. XXXX.. and XXXX ...
Consumer complaint received 2023-02-05
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. (FL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 : ,This section provides that the 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.

15 U.S.C. 1666 B : 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 2020-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Trans union is still reporting my XXXX XXXX account as late. The bank agreed to remove this MONTHS AGO! Trans Union is also reporting my student loans inaccurately but now I know for 100 % certainty they aren't even investigating anything at all. This is a joke. People are struggling more than ever and you people are making everything much harder than it needs to be. They aren't even checking to see if the information is accurate making the dispute process meaningless.
Consumer complaint received 2020-03-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (AL)

In XXXX of XXXX, I reviewed my credit reports from XXXX, XXXX, and XXXX credit bureaus, and identified an collection account for which I do not owe any money. A company doing business as National Credit Adjusters reported to the 3 major bureaus that I owed them a balance of XXXX. I disputed the charge, as I do not owe the amount. I reached out to the company for validation of the unknown debt, and was not successful at getting this account verified. I have never conducted any business transactions with this company. Per the credit reports, it states the account was opened in XXXX of XXXX. I DID NOT OPEN ANY ACCOUNTS WITH THIS COMPANY OR ANY OF ITS AFFILIATES.
Consumer complaint received 2020-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: PENTAGON FEDERAL CREDIT UNION (MA)

On XX/XX/2020, PenFed Credit Union deactivated my credit card " in order to protect against possible unauthorized use. '' They had no basis for suspecting " possible fraudulent activity. '' The charges they identified were well within the parameters of the way I have used the card for years. I was unable to resolve the problem over the telephone, because when I finally got through to an agent, she had what I eventually came to see as an endless number of security verification questions, which led to the conclusion that she had no intention of helping me. It was also not possible to resolve the problem online. 

The " protection '' PenFed referred to was to protect them, not me the customer. And this " protection '' came with complete disregard for the convenience of a good customer.
Consumer complaint received 2020-03-07
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. (OH)

There is an account on my credit report from XXXX XXXX. My legal name is XXXX XXXX XXXX. TransUnion 's reports my name as XXXX XXXX XXXX. However, the account does not have my full name. See attached letter from XXXX XXXX. They report my name as XXXX XXXX, which there are many people with this name across the US. Also, XXXX XXXX is not able to confirm the date of first delinquency for the account. I have disputed this account with TransUnion but they did not remove the account. TransUnion has mentioned the account will remain on my report until XX/XX/2020. However, according to the Fair Credit Reporting Act, a person 's name must be validated and accounts must be removed after 7 years. XXXX XXXX is not able to provide documentation to confirm the full legal name and the account appears to be greater than 7 years past delinquency. To comply with federal law, TransUnion must remove the account from my credit report. Note that other credit reporting agencies such as XXXX  has removed this account to comply with law.
Consumer complaint received 2020-03-07
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)

To whom it may concern. 

CREDIT BUREAU EXPIRIAN INCORRECT INFORMATION LOW SCORE MUST BE UPDATED TO HIGHER SCORE, My name is XXXX XXXX XXXX, during the pass year of XXXX and XXXX, I have call EXPIRIAN,  for few different reasons, one XXXX XXXX XXXX collecting {$240.00} from a account don't exist any more, also the correction of punctuation is to low and I have been penalize by creditors do to a low SCORE punctuation, I understand each company is different, but regarding the score and removal of certain information by know I should by on a higher position today, again I have penalize denied from creditors because this numbers are hurting my score, I ask today to the office of CONSUMER FINANCIAL PROTECTION BUREAU, to complete a full investigation and I pray that with in next 30 day my punctuation can be some what higher than XXXX, XXXX XXXX and XXXX XXXX XXXX and any other should be corrected properly, also I take this few moments to ASK for the correction that has been dispute for ever and that is XXXX XXXX, this account was never ever late, it was a transition of payment, were a check process was not add on time, do to a fact that payment was also at the time was been summit-ed on online payment, do I have any evidence no, but I know it was never late, have I complain on this yes many times, House was sold and I have no evidence is why this company has taking advantage, but I was never late, have I call dispute on expirian yes but they dint care therefore I pray this can be fix or removed. 

Thanks Respectfully Mr.XXXX
Consumer complaint received 2018-11-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (NY)

Your bank will be shown to have not performed a proper security of their own account holder that impersonated one of your legitimate account holders to authorize the payment to my company. Your security was breached and the person acting on your behalf should have performed a more thorough security check by going off line and making sure this is the person that was intended to release such money and as a result of your lack and regard for who your client supposedly was and not properly authenticating same you authorized payment to my account that was clawed back.. In addition to this security breach because they were able to obtain information of your client they put this information and paid my initial credit card balance of 44K or so and therefore induced us to spend more money on this scam ... Because they were able to steal your clients personal information and bank information this allowed this SCAM to take place. This will be shown in court and you will be liable for damages. This will go to the media etc to show that your bank allowed these scammers to violate and steal information. I want you to pay XXXX the XXXX and I will not pursue this further. XXXX already admitted that were are flaws in the banking system and loop holes.. IF you dont want this to go further I would recommend you address this with XXXX
Consumer complaint received 2018-11-07
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. (IL)

XXXX XXXX, XXXX and Experian still has yet, according to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ) " through the physical validation of the original signed consumer contract '' to provide me lawful proof of verification for several accounts that have been reported on my credit report. This was not only specifically requested by me in my original notice of dispute but also required by " FEDERAL LAW '' as the " ONLY '' lawful way to validate in order to protect my rights as a consumer. Since it has been well passed 30 days allotted them as of XX/XX/2018 I am insisting that he CFPB forces XXXX XXXX, XXXX, and Experian to legally validate said debts or delete them IMMEDIATELY! Certified letters were mailed out on XX/XX/2018 and delivery of said letters were confirmed XX/XX/2018. 

Accounts : -XXXX XXXX -XXXX XXXX -XXXX XXXX -XXXX XXXX -XXXX XXXX XXXX -XXXX/XXXX -XXXX -XXXX -XXXX ( Been over 7 years ) -XXXX -XXXX  -XXXX ( Collection Account-XXXX XXXX only updated account as closed and never supplied lawful validation which was requested ) -XXXX XXXX ( Collection Account-XXXX XXXX only updated account as closed and never supplied lawful validation which was requested ) -XXXX XXXX ( Collection Account-XXXX XXXX only updated account as closed and never supplied lawful validation which was requested ) -XXXX XXXX XXXX ( Collection Account-XXXX XXXX only updated account as closed and never supplied lawful validation which was requested )
Consumer complaint received 2020-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. ] I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it [ XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX ].
Consumer complaint received 2020-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NV)

I have currently been paying my CareCredit/Synchrony Bank credit card ON TIME/autopay for YEARS and then paid an additional {$250.00} last month, with remaining balance of XXXX. Today XX/XX/2020 they lowered my limit to XXXX forcing my credit score to be dropped by XXXX POINTS!!!!! This should be ILLEGAL!!! 
It is so UNFAIR to consumers that have been an excellent customer for years! 
I have been working hard to correct errors on my credit reports and now they have ruined my all my hard work!