davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-13
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: BARCLAYS BANK DELAWARE (VA)

During my flight on XX/XX/2018, XXXX XXXX was offering XXXX XXXX   Barclay credit card and I signed up them because it appeared to be a great offer. When I received the card I completed the steps to activate the credit card and I thought that the mileages will be issued automatically. Soon after in one of the promotion emails they sort of offered to reward about 20,000-30,000 miles just for making a {$20.00} purchase at a restaurant and they provided a list of restaurants. I don't eat out a lot, so I just overlooked the offer as a spam and went on with my life. 

At that time what was not clearly indicated was that the credit card as {$95.00} fee accrued upon activation and requires additional activation i.e. eating at a restaurant within a specific period to obtain the total reward of approximately 60,000 miles offered initially during the fight. This was in my view a very deceptive promotion, because they just made it look like the mileages were being offered just for signing up for the card with no strings attached. The only time that I knew that there was an issue is when my credit monitoring service indicated that there was an activity in my account. I immediately made the payment of {$95.00} to close the issue on XX/XX/2018. Then when planning my next trip in XX/XX/2018, I realized that I couldn't use my mileage because XXXX miles were not granted to me because I did not eat at a restaurant ( make a purchase ) to activate. Furthermore, the credit card was not activated ( as they say ) due to security issue. Then I learned that by that they meant I did not set a 4-digit security code and the credit card was suspended because of that soon after I received the card. 

I talked to them at length in XX/XX/2018 ( multiple lengthy calls ) explaining what had happened as outlined above, but they keep transferring me from on department to the other to explain the issue all over again. I have talked to XXXX XXXX, XXXX, and Barclay at length. Finally, I learned that the issue was with Barclay.  Even after asking them to close the credit card because I did not appreciate their misleading promotion, they promised that they'll have someone review the case and see if they can grant me the XXXX miles because of the security hold on their part, which I was not aware of in addition to {$95.00} fee and requirement to purchase to activate card. 

I just received a letter from Barclay stating they are unable to assist with the reward issues. 

In addition to their misleading promotion, they were quick to put damage on my credit score but slow to report resolution. My credit score went from about 850 to XXXX just because of the {$95.00} fee. When I last checked my credit score it also shows that the dept is still open.
Consumer complaint received 2017-08-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (OH)

I RECENTLY CHECKED MY CREDIT REPORTWHICH I HAVEN T DONE IN YEARS I HAD FOUR IN COLLECTIONS THESE ARE NOT MY ACCOUNTS I SENT DISPUTE LETTERS TO ALL FOUR TWO OF THE HONORED MY REQUEST TO DELETE FROM MY CREDIT FILE HOWEVER LVNV FUNDING AND XXXX XXXX ARE GIVING ME A HARD TIMELVNV REMOVED IT ONE WEEK AND PUT IT BACK THE NEXT SAYING THEY DIDNT HAVE ENOUGH PROOF IT WAS FRAUDULENTLY OPENED I HAVE NO KNOWLEDGE OF THESE ACCOUNTS THEREFORE THEY WERE FRAUDULENTLY OPENED I HAVE BEEN TRYING TO REBUILD AND REPAIR MY CREDIT SINCE FINDING THIS OUT LVNV IS XXXX OTIGINAL CREDITOR XXXX XXXX XXXX XXXX  ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX PHONE NUMBER XXXX XXXX XXXX ACCOUNT XXXX DATE OPENEDXX/XX/XXXX ORIGINAL CREDITOR AMOUNT WAS XXXX HIGH BALANCE XXXX XXXX XXXX PHONE NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX ACCT XXXX ORIGINAL CREDITOR XXXX AMOUNT XXXX OPENEDXX/XX/XXXX I AM A XXXX XXXX XXXX VETERAN I HAVE NO RESON TO LIE THIS IS SO UNFAIR MOST CREDITORS WERE SO KIND AND HELPUL EXCEPT THESE TWO WHICH I VE READ ALOT OF REVIEWS NONE GOOD CAN YOU PLESE HELP WITH BOTH ACCOUNTS THANK YOU
Consumer complaint received 2023-02-10
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. (NC)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2022-02-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

I am currently an activated service member covered under scra. I have a balloon loan due in XXXX of XXXX. I have contacted Bank Of America regarding my options. I can not get Bank of America to answer what my options are. They have forced me to spend hours on hold every time i escalate the question while still not answering the question. They have refused written, including electronic correspondance in order to answer the question. I believe they are practicing deciet by omission. While i accept that this is commonly used by the banking industry. It is my personal believe that the SCRA would not allow this.
Consumer complaint received 2022-02-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

In XX/XX/XXXX, I bought a XXXX XXXX style car radio, which controls my heat and air, In a couple weeks after I purchased the item I returned it back to the merchant XXXX in XXXX, XX/XX/XXXX, I filed a claim on the radio from which BOA said the claim was being reviewed and I would invetigate the situation and I would be issued a check within 90 days. Insteaad of a check they closed my account and would act as If I never made the transaction for {$530.00} on XX/XX/XXXX on account XXXX. I had gave up on the situation because BOA would make it as If I was in the wrong but I never was refunded for this radio that I sent back, and I would like to be refunded for this whole ordeal because everytime I bring it up the reps act Is if the transaction did not happen. But I am still out of {$530.00} that they would put in a claim to try to sabotage my time limit for a claim just as they are doing with my current current claims they keep sending them back and they state that the I put gave them the wrong info on the claim but it is the correct info, but the reps are obviously inputing them in the system wrong ... ... and their supervisors are so rude and overtalk and dont listen because I have faxxed them info pertaining to both claim yet they still will not utilize the info that I sent them, so I can get whats rightfullly mine ... .Please resinste my claims and stop denying them and ask me for the info if You need assistance..should be one for all items were sent back but I was never refunded account # XXXX {$530.00} claim # XXXX, XXXX, XXXX, XXXX
Consumer complaint received 2022-02-23
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: Experian Information Solutions Inc. (MI)

Experian needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX XXXX XXXX : {$0.00}. 
XXXX  Date of inquiry XX/XX/2020
Consumer complaint received 2022-09-28
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. (NY)

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Accounts left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$110.00}, XXXX  XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$160.00}, XXXX XXXX XXXX. XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, and XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.
Consumer complaint received 2022-02-23
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Gatestone & Co. International Inc. (FL)

On XX/XX/XXXX I started working on my credit report because I have a car loan from XXXX XXXX XXXX  with a balance of {$21000.00}. 
When I started disputing that account, I did it, because in XX/XX/XXXX I had an accident and my insurance cover a payment on the value of the car. 
I contacted XXXX XXXX XXXX  an ask them for all the information they have on that account, knowing that my balance couldn't be {$21000.00}. After two months of sending them correspondence, I didn't received any answer. Until XX/XX/XXXX, XXXX when I call them via phone, and they told me they don't have any account under my name, but I could call to GATESTONE COLLECTION COMPANY. After that, I called this company knowing the car appears on my credit report as a WRITE-OFF and under XXXX XXXX  XXXX. When they answer the phone, they told me they have an account under my name with a balance of {$1700.00}. 
I asked them to sent me all the copies of proof they have and they sent me only one letter with some inaccurate information, like my address, my name on the address section, my grandma 's name. and that balance, they haven't sent me any proof on how much the insurance paid, or why do I own them that balance.
Consumer complaint received 2022-02-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WSFS FINANCIAL CORPORATION (FL)

My original mortgage was with XXXX XXXX  and as part of their mortgage package they offered a rate renewal for the cost of one months mortgage payment for the life of the loan. The mortgage note is currently held by XXXX XXXX  in Delaware. I have attempted to contact them several times by phone and email in XXXX with no return calls or emails. On XX/XX/XXXX I contacted the office in Delaware and expressed my desire to renew my mortgage rate as per the terms of my original mortgage. Later that day I received a call from a loan officer and after explaining to him about the XXXX rate renewal he told me that since they now held the note the terms of my mortgage were no longer valid and I would have to go through their mortgage process if I wished to renew. I told him the terms of the original mortgage are to be retained no matter who is holding the note. At that point the conversation ended.
Consumer complaint received 2022-02-23
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. (PA)

My credit report from Transunion is showing 2 items on credit report as being opened with a monthly payment. It is reporting wrong. I wrote them and called them and creditor several times and they just will not fix it in a course of the last 60 days. The creditor us saying it's the credit bureaus fault that it's not showing correctly. The creditor even provided me with proof of a letter to transunion and transunion is yet to pick it up from the post office. It's in regards to two accounts from XXXX XXXX XXXX account # XXXX. Account was closed and charged off XXXX and XXXX XXXX XXXX account # XXXX was charged off on XXXX. It clearly is against the law and it's affecting my ability to obtain a home loan. Please help us to have it fixed as soon as possible. We are in a crisis situation and need it fixed fast. We do not want to be without a home to live in. Covid has affected us tremendously and getting a home would help us. Please fix the errors. We most certainly would like the debt deleted off our credit because it's in violation of the law. We most certainly would like it to reflect the truth of it being closed and monthly payment at zero and as a charge off. Thank you. This is affecting my health also.
Consumer complaint received 2022-02-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I sent letters to the TransUnion Credit Bureau. The date of the last letter was on XX/XX/XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT :
Consumer complaint received 2017-08-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Information Bureau, Inc. (FL)

I am filing a complaint against this collection agency due to shady and unprofessional collection tactics. I had previously reached out to them because they obtained an old medical bill for services in XX/XX/XXXX and reported it to XXXX. This bill originally belonged to XXXX XXXX XXXX for {$200.00} which does billing for XXXX facilities and not XXXX XXXX as this agency reported. I had made a payment arrangement with XXXX of {$15.00} a month and the rep that I spoke with years ago advised that it would not be sent to collections. At the time that service was rendered at XXXX XXXX XXXX, I was unemployed and had no insurance. Then my account was sent to collections with no notification ; only the negative account on my credit report. Fast forward to XX/XX/XXXX when I discovered this collections account, I spoke to one of their reps, XXXX. I gave her my new address and contact information. She advised, " that if I paid this bill in full, she would definitely remove this account from my credit report. '' I researched this collection agency and they have a multitude of complaints filed against them. They have an F score with the BBB due to  deceptive collections tactics which are strictly forbidden by the Fair Debt Practices Collections Act ( FDCPA ). Since I was suspicious of the rep 's offer, I sent her a Pay for Delete Agreement letter and asked for her written confirmation or signature as an assurance that she would fulfill her verbal agreement. Needless to say, she denied my request and therefore I withdrew my offer. This collection agency is renown for lying to consumers just to collect on a debt. I just checked my credit report today and this agency is still reporting this adverse account which is affecting my credit score.
Consumer complaint received 2022-04-14
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. (CA)

In accordance witht the Fair Credit Reporting act XXXX XXXX XXXX Original creditor : XXXX 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 a account without my written instructions.
Consumer complaint received 2022-04-14
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. (CA)

In accordance witht the Fair Credit Reporting act XXXX XXXX XXXX  Original creditor : XXXX 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 a account without my written instructions.
Consumer complaint received 2021-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Chime Financial Inc (CO)

On XX/XX/2021 I received and email notice that my Chime Visa debit card was on the way '' however, I have never requested a Visa Debit card from Chime. Earlier this year, I was sent another unsolicited card from another company, so I was aware that my identity has been stolen and is being used for this kind of activity. Months ago, I asked all three credit bureaus to put a freeze and fraud alert on my credit report. 

I contacted Chime 's customer service by phone and email soon after receiving their " on the way '' email, and I requested that the account be closed immediately. In response to their instructions, I sent the last four digits of my SSN and a picture of my photo ID. Apparently, the form in which I sent my photo ID was not what they accepted, but they never clarified what they DID accept ( no faxes, scans, or photos ... so, only in person? ). We were traveling for much of the next two weeks and did not get a chance to follow up with the company. 

When I attempted contact them by email yesterday to find out the status of the closure ( and I resent the last four of my SSN and an image of my photo ID ) they simply replied that if I wanted to open a Chime account, I could not open two accounts at once. What?

I have emailed them again, asking them please cancel this account immediately and then provide me with written evidence that have not and will not report the account to any credit reporting agency. I asked them to please confirm that they have received my private information, and to let me know what you exactly what they do to keep sensitive information secure ( which has clearly already been compromised by some earlier security breach somewhere else ), and then verify that they have closed this fraudulent account. 

I heard back from them within minutes. They said they had " blocked '' the account, but that if I " would like to formally close the account '' I would need to contact them yet again? 

I believe they are desperate to keep every account they possibly can because they will soon go public and want their numbers to look big. Meanwhile, they have simply refused to honor the request I've made at least five times. Why don't these companies require such picture ID requirement to open these accounts? Why is it so easy to open them ( fraudulently ) and so difficult to close them ( legitimately )?
Consumer complaint received 2023-09-13
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Byrider Franchising, LLC (PA)

on the XXXX day of XX/XX/XXXX, I mailed a copy of the following : notice of rescission and billing error, affidavit of truth, billing notice, transcript of payments. Notarized by public notary and mailed certified via XXXX requested by phone XX/XX/XXXX directly with manager at Byrider finance LLC : explanation of amount owed, vehicle service contract, copy of promissory note, lien, power of attorney with signatures of all parties involved. The manager stated that she could not provide or explain any information pertaining to my account and admitted that the company is the process of selling my information to another 3rd party after tax right off ( charge off ).
Consumer complaint received 2022-04-14
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. (CA)

In accordance witht the Fair Credit Reporting act XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  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 a account without my written instructions.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (AR)

Have student loans through Navient from 3 different schools that are reflecting 120 + days late payment. First off, the starting and ending dates of these loans are when I was a current student. Therefore, there is no way these loans can be late. After completion of school, I utilized the Income Contingent Plan that is updated yearly
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Equifax Please see attached - I was a victim of identity theft and there's fraud on my credit report I need to have resolved as soon as possible as its damaging my credit. 

Attached to this is : - My written complaint - My drivers license - My social security card - My address - Federal Trade Commission - Identity Theft Report