davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

Over the last three months, there have been monumental decreases to my account balances, yet my credit scores have not gone up even one point. The last straw is the fact that I just paid off A {$20000.00} CAR LOAN AND ALL THREE REPORTING AGENCIES SHOW IT AS OPENED WHEN THE LOAN AGENCY SHOWS IT CLOSED!!!
Consumer complaint received 2018-05-15
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. (MD)

I requested that the public records of my bankruptcy be removed from my credit report. I have received a letter from the third party that the credit bureau has paid to collect this information ( attached ) and I would like this information removed from my credit report. I have disputed this item a number of times with the results being that the information is accurate and verified. I never received notice on who verified the information.
Consumer complaint received 2023-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: ALLY FINANCIAL INC. (GA)

I applied for a Ally credit card XX/XX/2022 that advertised 12 months 0 % interest. I got an email saying I was approved but there were a delay in the cards being sent out. It's now XX/XX/XXXX over 5 weeks later and still no card. I called ally and they said there is a chip issue with no know fixed date. I asked about the interest free offer of 12 months and I was told that it starts the moment you are approved and that ally isn't going to adjust the offer just because I didn't receive my credit card.

This is false advertisement and marketing. I didn't receive the credit card I applied for and they rany credit twice plus they aren't fowlling their advertisement of 0 % apr for 12months. I read reviews on one of their XXXX advertisements in the comments section and they have done this to thousands of customers. We are all waiting for a credit card that we were approved for.
Consumer complaint received 2021-07-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC (MD)

This debt is currently reporting on my XXXX consumer credit report and is disputed by the consumer, as follows. 

1 ) Debt validation has not been provided by the reporting debt collector 2 ) The debt collector has no contract with the consumer for the amount owed 3 ) The consumer does not acknowledge a debt owed to this debt collector 4 ) The debt collector has been notified by USPS mail of the nature of this dispute, per attached
Consumer complaint received 2023-01-13
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. (FL)

I have tried several times to get the unauthorized inquires off my report inspite of my identity theft report filed with the FTC. Reference Number XXXX The following are not mine and need to be removed according to the FCRA : 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-05
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. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX TRANSUNION CONSUMER DISPUTE CENTER XXXX XXXX XXXX XXXXXXXX, PA XXXX 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 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  The accounts listed above 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 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. 

*** I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND TRANSUNION DID NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ). 

BEST, XXXX XXXX Without prejudice, all natural inalienable rights reserved.
Consumer complaint received 2024-03-05
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. (CA)

In XXXX I sent a dispute letter to XXXX, Transunion, and XXXX regarding inconsistencies on my credit report. I asked them to investigate and never received a response, and the information was never taken off of my credit report. I have sent several requests since XXXX, and with no luck. This is a direct violation of my rights according to the Fair Credit Reporting Act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2019-05-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (CO)

I have made a purchase from XXXX XXXX through financing without any interest for one year, usually XXXX  XXXX go through Wells Fargo for financing, I have made all payments on time and settled the account before the end of the year on XX/XX/2019, I went to XXXX  XXXX   XXXX in person and got the credit memo from customer service, and asked them when would this credit be reflected on my wells Fargo account, in order for account to be closed and will show that I have XXXX balance remaining, they stated it will take 3 - 5 business days. 

unfortunately I have checked my account within two weeks and nothing was reflected on my wells Fargo account, I called XXXX XXXX customer service and asked them why is my final paid bill is not showing under my wells Fargo account, they stated that they have sent it already and I should talk to my bank ( Wells Fargo ), I immediately sent an email to my bank stating my issue, the bank answers me by I should call this number XXXX, which I did and informed them about my issue, their reply was, we will investigate and reply back to you. 
In the mean time I was being charged by my bank Wells Fargo {$340.00} interest charges against my XXXX XXXX account due to the remaining balance which I paid fully but still not reflected on the account, so I send another email to my bank stating that your investigating is taking too long and I am being charged with every thing in their book, late fees + interest charges and so on, the bank replied back we are still investigating this matter!!! really, it is not fare to delay this matter just so the bank can charge me all those false charges, although I paid the late charges {$38.00} plus the minimum due payment on the interest charges, just so I can keep my credit safe which is above 720, I can't believe that they are still investigating this matter, it is so simple and every thing is done electronically, all what they have to do just contact XXXX XXXX to get the credit memo number and close this case, I have sent the credit memo number to them, and I have sent them all required documents to prove that I have paid the last payment on my XXXX   XXXX account before the end of the period, and I should not be charged all those interest charges, it is done deal. 

I don't know whom to go to, or what to do, I have been with Wells Fargo for so many years and I have been loyal to this bank, I am tired of contacting the bank with no action from their side, please convey my message to them, I can't afford a lawyer to sue such a huge entity and the amount is not that big to the lawyers to take my case, I just need this agony to be over with.
Consumer complaint received 2023-01-13
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. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

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 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 2019-05-04
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: Regional Acquisition Group, Inc. (LA)

On XX/XX/2019, Its auto services on my XXXX report. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX On XX/XX/2019, on my XXXX report also hard pulls, XXXX XXXXXXXX twice, XXXX XXXX, XXXX  XXXX I dont understand how they get on my credit report I never approved or signed anything I dont have nothing from these people saying they running my credit
Consumer complaint received 2019-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: IQOR US INC (FL)

Allied interstate is sending me billing letters for {$570.00} A already paid account to XXXX XXXX XXXX account ending in # XXXX.I have asked for verification of the account I got no respond and sent a XXXX to include this collector in the event of XX/XX/2018 with XXXX XXXX XXXX and any other company attached to this XXXX XXXX account number ending in # XXXX allied interstate is trying to get paid for account not owed.
Consumer complaint received 2022-10-05
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 (CA)

On XX/XX/XXXX I submitted a claim with XXXX XXXX XXXX, a partnership with my Bank of America Visa Credit Card. 

I filed a product warranty extension claim with their online site, XXXX ( XXXX ) regarding the defective XXXX XXXX I had purchased in XX/XX/XXXX. The watch was out of the manufacturers initial warranty, however my credit card offered warranty protection/extension. 

I submitted all required documentation and explained my situation to XXXX however they have unfairly denied my claim. The case manager believes that XXXX would not have covered this malfunction with my watch under their normal 1-year warranty. I also called them recently when I received the news my claim was being denied and they said specifically that the claim does not cover water damage. 

XXXX never stated the there was water damage or personal negligence on my part when using the device. 

In fact a major selling point for said device is its water-proofing abilities. It is used to swim, workout, under wet conditions, etc. 

So essentially the claims adjuster is stating they they wont reimburse me the {$370.00} I had to pay XXXX out of warranty, because XXXX believes that the product was water damaged. 

1- XXXX made no claims that the product was water damaged, only that it had malfunctioned and they could not duplicate the issue. 

2- Even if water was the leading culprit for why the watch was malfunctioning, it is still within the scope of XXXX XXXX 1-year warranty. 

Today, XX/XX/XXXX, I have submitted a formal appeal with their company, and emailed it to their main line, XXXX. I have proof that they opened the email as I use software to track whether or not it was opened. 

I am doubtful that they will even respond in a timely manner given the near two months it has taken to form a decision on the first appeal, and have since spent countless hours over the phone with their representatives to further discuss the matter. 

XXXX has unfairly denied my claim, and taken far too long to process the initial claim to begin with. They are discriminating my claim based on an assumption of the facts, and not the facts themselves. 

If a credit card is to offer these sorts of benefits, then they need to be held responsible when their use is requested by the consumer. 

It is is an unfair financial practice.
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am currently on the forebearance and the mortgage company has been reporting on my credit report the whole time I have been on the plan. I was told that that my credit report is not supposed to be impacted while forbearance.My credit score keeps dropping because the mortgage company keeps reporting negative information.When I spoke reps they were very rude to me.
Consumer complaint received 2019-05-04
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: CITIBANK, N.A. (NY)

The Citi Aadvantage business card advertises a free bag checked on XXXX flights. I arrived to the airport today and was told it would cost me {$60.00} ( {$30.00} each way ) to travel with a bag. I informed the agent the bag should be free because I have the Aadvantage card. She informed me that people often think this because the card advertises free bags but the card only provides a free bag on select flights. This is unacceptable false advertising.
Consumer complaint received 2021-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Transunion has refused to update a correction made to an account with XXXX XXXX XXXX. There were 6 consecutive late payments added to my account which lowered my FICO score from XXXX to XXXX and I was denied credit due to the inaccurate late payments. With a complaint filed with FDIC, XXXX XXXX corrected the error, crediting all fees and sending a statement reflecting that the account will be updated with all bureaus to show Closed by Consumer and 100 % payments made. 

Transunion did not properly process my dispute in XX/XX/2020 and replied on XX/XX/2020 that the negative reporting was accurate, in spite of a letter from XXXX XXXX and the FDIC which verified that the account should be reporting positively. 

It has exceeded 30 days since filed the dispute and I was required to send in copies of the FDIC letter and the document from XXXX XXXX  which clearly states the account has been corrected. 

I called XXXX XXXX  today and spoke with an internal billing manager and he said they have not received any disputes from Transunion or notices that I was disputing the account. The rep explained that Transunion, XXXX, and XXXX  received the updates on the same day in XXXX and the account should have been properly reported at that time.
Consumer complaint received 2021-07-22
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: BARCLAYS BANK DELAWARE (NY)

I initially sent a series of correspondence to the Credit Reporting Agencies as well as the Actual Creditor. 

I am fully aware of how reporting works and found proof of non-compliance in accordance to the E-Oscar and Metro 2 format procedures ignoring to report. 

XXXX XXXX XXXX Account ID : XXXX The account is invalid and unverifiable. I demand that it be deleted from my credit report. 
If no proof of debt exists and there is no verifiable information, then the information may not be reported to the credit bureaus nor reported by them under the Fair Credit Reporting Act. Obviously, this incorrect account information can not be verified so therefore is absolutely must be deleted from my credit report or you will be in violation of the FCRA. 

Please see attached documents of proof of me sending the letter and the agencies receiving them. In addition to that, please note that they are neglecting my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ). 

It is very urgent that you please investigate and resolve as this is harmful to my character and is obstructing my capability to obtain financing.I already was denied by applying for a lease .That happened 3 times in a last 60 days already and I am financially hurt.
Consumer complaint received 2021-02-11
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. (NJ)

WRONG NAME REPORTED ON CREDIT FILE - XXXX XXXX and XXXX XXXX WRONG ADDRESS REPORTED ON CREDIT FILE - XXXX XXXX XXXX XXXX, NJ XXXX AND ( XXXX XXXX XXXX, GA XXXX ) ALSO ( XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX )
Consumer complaint received 2022-12-01
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: BMO Bank, N.A. (IL)

XX/XX/2022 Our company sent a check to our vendor to cover an invoice. They never received it and we issued a new check and found on our bank statement that our original check had been cashed by a person not the vendor and the reissued check was cashed by our vendor with their information on the back. 
Told by our bank to obtain affidavit from vendor received XX/XX/2022 and turned into bank on XX/XX/2022 along with police report. Vendor also reported to USPS the theft of the mail. Have been in contact biweekly with banker with no satisfaction and no response. They say they ae calling, but never tell us what has transpired The banks fraud department says they need more info, but they have everything. 
Had to open new checking account which has added to a customer not updating the new banking information on there end and we have a Payment Advice going to the old account and now we have money in limbo, the bank says it should seamless go to our new checking account and they say they notified there people to make sure it transfer. We need these funds to pay our bills. And I feel that the bank is just dragging their feet., The bank is BMO Harris XXXX XXXX XXXX XXXX XXXX XXXX IL