davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION (WI)

Opened a checking account on XX/XX/18 under an advertising pretense that I would receive a {$100.00} bonus after I made a Bill Payment through the checking account within 60 days of opening an account. During the application process, there was a notification that said " {$100.00} Bonus Promo Applied. '' After I completed the qualifying activity, I contacted the back to inquire about Promotional payout through a secure message on XX/XX/18. I was told at that time that I would have to wait 90 days for the payout. After 90 days, I contacted the bank again on XX/XX/18 and was told that my account was not qualified for the promotional bonus and that I had opened the wrong type of checking account. This was clearly a bait and switch operation as I had received a notification that the promotional bonus was applied during the application process. I also know of others who had opened the same exact type of checking account through the same offer and they DID receive the {$100.00} bonus payout as promised.
Consumer complaint received 2018-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NC)

I tried to take the FTC up on their offer for a free annual credit report from all 3 companies by following the link provided, and the instructions per link.

1. The first time I got as far as filling everything out and clicked submit. The screen went white and stayed white. I refreshed after several minutes and there was a message saying unable to do at this time, and to call the number listed XXXX to report. I did and a woman says it will take time through the mail but will only provide XXXX. 
2. I tried again and filled out everything, clicked submit, and was a message from XXXX XXXX saying it could not be done at this time because of the data received. It would not tell me what data, nor allow me a way to fix or obtain the report.
Consumer complaint received 2018-11-02
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)

I didn't give Authorization / Authorize too open accounts / pull and/or use my credit too open new accounts ( Identity Theft Victim - XXXX Data Breach ) ... XXXX XXXX XXXX XXXX :XX/XX/2018 ( Fraudulent Account ) XXXX XXXX XXXX :XX/XX/2018 ( Fraudulent Account ) XXXX XXXX XXXX : XX/XX/2018( Fraudulent Account )
Consumer complaint received 2018-05-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allied Collection Services, Inc. (Nevada) (FL)

I purchased a internet connection device that never had sufficient signal strength to allow me to use my computer with it. XXXX showed no signal in this area, they should have never attempted to connect me to the service. I cancelled the service with their customer service and in writing. They are claiming I did not pay for valid services received and are attempting a fraudulent collection, using the credit reporting agencies as an illegal collection vehicle. 
The original communication was dated XX/XX/XXXX. This account has been resold to the following collection agencies over the past years.

Allied Collection Services, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 
XXXX XXXX XXXX, XXXX, XXXX. 
XXXX XXXX XXXX, XXXX XXXX. 
XXXX, XXXX XXXX. 
In each case when contacted by the above agencies, I explained I never had a cell phone with XXXX and within the 30 days of receiving the notice I disputed the debt and requested proof of the debt. 
None was forthcoming and as of this date I have not received any further communication from the above. 
In XX/XX/XXXX I was informed that my credit score was reduced by 70 points, the only addition to my credit report in XX/XX/XXXX was XXXX XXXX. 
XXXX XXXX sent me a letter in XX/XX/XXXX and on XX/XX/XXXX I replied in writing disputing their claim. They have never replied to my written communication to them disputing their claim and asking for verification. 
The above is a Scheme that XXXX is using against its customers.
Consumer complaint received 2019-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Incorrect Personal information : Name should be- XXXX XXXX Address should be : XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX, Fl. XXXX. 
Employment should be : Student.

Status divorced should be removed.

Address Identification No. & accounts showing as mix match is derogatory and should be removed from my credit file.

Problem with fraud alert or security freezes placed without my authorization should be removed.

Showing a delinquent account when it's not.

Account balances being reported incorrectly.

Lenders management of accounts reporting incorrect information causing negative impact to credit files.

Payment sent timely but showing as a late payment. My payment was sent in my correct name and address as for 8 years but account # was changed by the company and I notified them I mixed up the account number instead of contacting me they returned the payment instead of applying the payment.

Hard inquries made without authorization : XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO. (CA)

During the process of securing a mortgage it was discovered that my Chase credit card was showing 5 months past due, beginning in XXXX of XXXX through XXXX of XXXX. When attempting to fix the issue with Chase, they informed me that a half of payment was past due, and carried over into subsequent months, even though I was sending full payments consistently. I was never called, or informed by letter that there was an issue with the account. I was informed that emails were sent instead. Unfortunately these emails went unnoticed due to the volume of spam email I received. I have been a chase credit card customer for several years and I have never missed a payment. Based on my history, I would have expected to receive a phone call or be advised in writing that my account needed to be brought up to date by a half of payment. I corrected the issue immediately upon realizing that there was an issue. However, this incident has had a deep impact on my credit scorXXXX, making it impossible for me to secure a VA mortgage.
Consumer complaint received 2018-11-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jonathan Neil & Associates, Inc (CA)

I received a letter from someone that appeared to be an attorney 's office ( Jonathan Neil & Asociates ) advising that I owe them {$1600.00}. The letter threatens to suspend my drivers ' license and vehicle registration. This is a fraudulent claim. I spoke to an insurance company previously and advised of what had happened and that I was in involved in an accident. They advised that they would be in touch. I never heard anything back and then received this letter from a company that appears to be a law firm threatening to suspend my license and registration. I have written them asking that they send any proof they have or do not contact me.
Consumer complaint received 2023-03-21
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I sent {$75.00} dollars through usaa XXXX to another XXXX account. The women never responded back to get the item. I contacted usaa right away and they will not refund the money back. If this going through a bank account this should be protected
Consumer complaint received 2022-07-11
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. (FL)

I, XXXX XXXX, sent a letter to TransUnion but TransUnion says that " it didnt appear '' that I sent the letter and that they wont process my request.
Consumer complaint received 2017-07-04
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. (TN)

All of my personal identification have been stolen. Drivers license, social security card, birth certificate. All of my personal information have been changed with Equifax. A seven year fraud alert have been placed on my report. I 've spelled my name as XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX. XXXX is my maiden name. I was once married to XXXX. XXXX XXXX XXXX XXXX XXXX XXXX child name is XXXX. XXXX XXXX XXXX XXXX His birthday is XX/XX/XXXX. My XXXX  child name is XXXX XXXX XXXX XXXX.his birthday is XX/XX/XXXX. He was born at XXXX  XXXX in XXXX XXXX. He have a XXXX XXXX & he 's a substance abuse. XXXX have been taken advantage of because of his XXXX, by the XXXX Family & others. The FBI told me to pull my credit report, because it 's an inside job. A monitoring service have been added to my report, to prevent me from pulling my report. I was also told to pull all of my tax returns. Because my date of birth have been changed, my employers have been changed. Social Security have written me a query with all of the EIN numbers of my former employers from XX/XX/XXXX-XX/XX/XXXX. In XX/XX/XXXX I filed Bankruptcy. The property at XXXX XXXX XXXX XXXX had been refinanced by The XXXX Family in XX/XX/XXXX without my knowledge. A series of people was linked to me with XXXX XXXX XXXX XXXX. In XX/XX/XXXX someone reported a fraud XXXX XXXX to IRS. They used The Department of Labor FIN number was used. The property had been turned over to Tennessee Housing Development. The property was sold for {$18000.00}. Yet {$35000.00} was reported to IRS. XXXX XXXX XXXX reported to Equifax I owe for their service. I was no longer in the home. I was forced out of the home. I was n't involved with the selling of the home. XXXX XXXX XXXX and all of her children abused XXXX XXXX XXXX services. My late father social security number is being used. The late XXXX XXXX have been deceased since XX/XX/XXXX. My mother social security number is being used, she has been deceased since XX/XX/XXXX. XXXX XXXX XXXX is my mother 's name. I reported this to XXXX XXXX XXXX years ago. At the time I did n't know my credit report had been tampered with, in the way that it have been.
Consumer complaint received 2018-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NH)

Synchrony bank charged me a fee on an automatic payment that was made within the statement due date through their automated website process. I believe they do this as a regular practice against consumers. When corrected, they still show a balance due and can not fix it.
Consumer complaint received 2022-07-11
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. (TX)

I received a copy of my credit report and found the following item ( s ) to be in error : n accordance with the Fair Credit Reporting act XXXX. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
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 please remove or Delete from my report By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter.
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Convergent Resources, Inc. (VA)

I am writing to file a complaint about the collection and reporting practices of XXXX XXXX. 

In XX/XX/XXXX my husband and I lost our home to foreclosure and moved into an extended stay hotel, and have been living here ever since. ( Not by choice but because of foreclosure ) We did not immediately have our mail forwarded so I dont know if we received a final bill or not, but a collection from XXXX showed up on my credit report shortly afterwards. For a brief period of time they reported it, but then it was removed. 

XXXX  year ago in XXXX, I had finally reached the point that we could apply for an apartment, but when I did we were denied. The reason was a new collection. The new collection was a collection by XXXX, but the dates had been changed to show it as a recent delinquency. When I called the XXXX billing department the man admitted to me that he had pulled back the first collection and re-submitted it with a new company. He told me if I didnt like it I could just pay my bill. 

Then I went into the office and asked for information to prove the debt and they told me they didnt have anything to show me because there was no information in the computer. So I disputed it with the credit bureau and after several attempts I was able to have the re-aged collection removed from my report. But it took a year to return to my previous score. 

Now a year later in XX/XX/XXXX my credit score had gone up enough that I was pre-approved for a mortgage, but before the process was completed a new collection, from a new collection agency for XXXX XXXX, for the third time has appeared on my report again. It is not a collection that shows the status date XXXX, instead it says it was incurred a month ago. And it is glaringly showing up as a new collection again, my XXXX score has dropped, and I now have to wait to buy a home or rent a house.
Consumer complaint received 2023-03-21
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. (MD)

I discovered that the same information on my credit report was inaccurate. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX {$13000.00}
Consumer complaint received 2019-05-10
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: HYUNDAI CAPITAL AMERICA (CA)

I had Financing 2017 Hyundai XXXX with Hyundai motor finance since XX/XX/XXXX I had auto pay from my Debit card they cat every months so do Car accident in date if XX/XX/XXXX so my car be Total loss Insurance company pay off my car I had stall to pay for Hyundai motor finance around XXXX $ to be pay off but I had Gap insurance I had contact with Gap insurance they say okay whe pay that amount so the Hyundai stop my auto pay from my account Wait out my promotion so the The Gap insurance doesnt pay anything so I was in vacation Out of country when I came back I hair that Gap And insurance doesnt pay anything Contact with Hyundai motor finance I pay off amount off {$2700.00} so I dont know why they put my credit to Collection agency right now my credit is going down I want to fix my credit again please
Consumer complaint received 2022-03-14
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. (DE)

Hello, my name is XXXX XXXX. I have attempted to inform Transunion, LLC multiple times about their grave responsibility as a furnisher to ensure they are reporting 100 % accuracy. They have failed and I plan on taking up litigation. I have reasonable cause to believe this information is in fact inaccurate. Please see my response in the document. Thanks for your help in this mediation.

Violation : FCRA section 623 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. a person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

i did place an exhibt for you to review.
Consumer complaint received 2022-03-14
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. (GA)

To Whom It May Concern : I reviewed a copy of my credit report and [ XXXX XXXX ] ran an unauthorized credit inquiry on me on [ XX/XX/XXXX XX/XX/XXXX ]. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-02-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: M&T BANK CORPORATION (MD)

I called again today and the phone team still says there is a computer error and they can not provide answers. All i wanted was my account balances. The savings account was allowing me to access it earlier in the app but now will not either. I mustered up enough energy bc of a physical XXXX that you all constantly exploit. I am in physical pain every minute i am on the phone due to a car crash. Your offices routinely place me on extremely long hold times citing computer errors since knowing this and my last complaint. This was after last weeks fiasco on the phone as well. 
Please respond in writing. Thank you. 
I called from phone : XXXX XXXX XXXX. I couldnt of been any nicer or more polite to mya. I called your company at phone : XXXX XXXX XXXX
Consumer complaint received 2023-03-21
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. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to investigate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$9100.00}
Consumer complaint received 2022-03-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: EQUIFAX, INC. (GA)

My wife and I purchased a vehicle that broke down before one month of purchasing it. We towed it to a dealership to fix it, the cost was too high. XXXX XXXX  XXXX repossed the vehicle. 
I requested a settlement, they agreed for me to make a {$1500.00} payment to remove it from my credit profile. After I made the payment since XX/XX/2021, I have been calling them. Every time I call they say they will remove it but they never did. They asked me to dispute it so That it can be removed faster, I did, then they replied it is accurate. That was the only money I had. I made a sacrifice to make the payment, now that they have taken the money, they refuse to honor their commitment. They played with my willingness to pay and they lied to me. 
Please, I need help. I have been unable to buy a vehicle since then, I am unable to go to work. They have caused me so much pain. I need them to remove this from my credit profile and compensate me for the hardship they have caused since XXXX of last year.