davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-09
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP (NC)

US Bank - Bait and Switch. I responded to a web based offer, offering free XXXX XXXX points with a " bonus award nights '' promotion, if I signed up for a US Bank XXXX XXXX XXXX card. The company would offer XXXX XXXX hotel points to sign up for the card, pay a {$75.00} annual fee, and spend {$2500.00} on the card within XXXX months. As part of this bonus, one can use the points to book hotel rooms through XXXX XXXX, and if one books XXXX or more nights in a row, the last night is Free. This is a significant offer and the primary reason I signed up. ( A friend of mine did the same ). After signing up, I received the card in the mail with the rewards program details ( see attached ). I received this XX/XX/XXXX. When I called to activate my card, I asked about the rewards program and was told that the bonus award night promotion was ending effective XX/XX/XXXX. I was quite perturbed and felt misled, however, when I told the US Bank representative ( her name is XXXX ), after conferring with her manager, she told me that because I had just signed up for the card, the bonus award night promotion was being extended until XX/XX/XXXX. I made her confirm that this was indeed the case, prior to activating my card, which she did. Since she confirmed, I activated the card. Today, XXXX XXXX, I called in to attempt to use some award points to book a hotel room and was unable to utilize the bonus night promotion. When I called US Bank they told me that the program ended on XX/XX/XXXX for everybody - no exceptions. I spoke to multiple customer service reps to inquire as to why I was misled when I was activating my card. None of the customer service reps would not let me speak to XXXX or her manager, despite multiple attempts. I let them know I would be filing with the NC Attorney General, and they tried to " bribe '' me with XXXX bonus points. I did not take this, and told them to close my account and refund the {$75.00} annual fee. I feel that US Bank blatantly lied to me in an attempt to gain me as a credit card holder to pay a {$75.00} annual fee and spend money on their card. I would sincerely appreciate the NC Attorney General 's office looking into this matter. Their are many reports online of people having similar issues with US Bank, specifically as it pertains to their XXXX XXXX program. Thank-you. - XXXX
Consumer complaint received 2022-05-20
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: CBC Companies, Inc. (SC)

XXXX Innovis. This is in response to complaint number # XXXX. I am disputing an account that is identity theft. The Fair credit reporting act law subsection 605B 15 U.S code 1681c-2 states [ a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of 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. ] ( 4 ) THE INFORMATION IS NOT INFORMATION RELATING TO ANY TRANSACTION MADE BY ME THE CONSUMER. I HAVE ATTACHED THE INFORMATION NEED FROM THIS SUBSECTION, 605B 15 U.S code 1681c-2 ( 1 ) ( 2 ) ( 3 ) ( 4 )
Consumer complaint received 2021-11-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (ND)

My husband ran our credit report and noticed on XX/XX/2021, Bank of America ran my credit without my permission. I have been out of the country since XX/XX/2021, so there is no way they got written consent from me to do so. I have my passport stamp, work visa, and airline receipts to prove it. My husband has contacted them and they refuse to speak with him as to why it was run unless I am in the same room, which is impossible. I told them when I contacted them that I am international right now with an international phone line. They refuse to tell me why it was run unless we speak on the phone. I gave them my international phone number and they keep telling me their phones tell them they are not authorized to call me overseas. I have zero information about why it was run and they refuse to tell me over email or social media. I don't have the ability to call international from my current phone. My employer has called me just fine from the XXXX so it feels like I am being punished for their inability to call me. I am currently a XXXX  on XXXX XXXX on a XXXX XXXX  so I do not have access to a XXXX phone number. I just want them to tell me why it was ran, what for, how they got permission, etc, and to remove it from our credit report. Please help. I have attached proof of identity with my passport photo and proof of being out of country.
Consumer complaint received 2021-11-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors Bureau Associates (GA)

Creditors Bureau Associates currently shows a {$370.00} collection for XXXX XXXX XXXX on my XXXX credit report, which I disputed repeatedly WITH EVIDENCE to no avail. Heres what happened. In 2018, I worked at XXXX but was let go as of XX/XX/2018, and according to our separation agreement ( see email copy from HR ), my health insurance with XXXX was valid through XX/XX/2018. When I went to XXXX XXXX XXXX with XXXX XXXX the front desk staff CONFIRMED that my health insurance was active and valid. Then, they sent me a {$370.00} bill. I contacted XXXX XXXX XXXX repeatedly. They said my employer would have to contact them. I contacted my employer who confirmed my insurance had to be valid and active through XX/XX/2018. See attached emails. However, my former employer dissolved business, the HR person was no longer there, the CEO moved to another state with another company, and no matter where I emailed, nothing was emailed back. Phone was disconnected and so was the physical address. See attached emails. The {$370.00} is not the debt I owe for my XXXX XXXX XXXX visit because as you can see from the attached proof, XXXX was responsible for paying it, not me. This must be removed immediately from my credit report. This is false reporting and violentes my FCRA rights. Ive attempted multiple times to resolve it directly with the company to no avail. See my credit report copy from TODAY : this falsely reported collection still shows on my XXXX credit report and must be removed.
Consumer complaint received 2019-11-21
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: Synovus Bank (PA)

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2019, 60 days late as of XX/XX/2019 and 90 days late as of XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Avant Holding Company, Inc. (CA)

In accordance with the Fair Credit Reporting Act, these creditors : -Avant/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX have violated my rights under 15 U.S.C 1681 section 602 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 an account without my written instructions under 15 U.S.C 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Grain Technology, Inc. (CA)

I emailed this company on XX/XX/2022 for charging me 3x in one week totaling to {XXXX} with their auto pay system. I received no response. I then emailed XX/XX/XXXX, XXXX, XX/XX/XXXX and XXXX in regards to my bank account being closed and needed to update my bank to make my payments on time. Ive called the company and theres no way to talk to a representative, their automated system says itll take 48 hours to respond and its been over a month! I now have late payments reporting and its negatively impacting my credit and my ability to buy a home. These are the only late payments on my credit. I also filed a complaint on XXXX where I read Im not the only customer experiencing this issue. I would like my account to be updated to current and the ability to update my bank to make my payments. Grain has been a big help with allowing me to build credit but their system is flawed and the lack of customer support is very unprofessional.
Consumer complaint received 2021-11-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC (GA)

To Whom It May Concern, I am writing this to submit a formal complaint about XXXX XXXX XXXX formerly located at XXXX XXXX XXXX, XXXX, GA XXXX. They have falsely reported the amount {$6100.00} to the credit Bureau. I have never not paid my rent. I had no damage to my apartment. When I moved from XXXX XXXX I did not owe them any money for anything. In fact, the apartments owes me my initial rent deposit. When I moved in to the neighborhood I made a deposit for my apartment at XXXX at XXXX XXXX. After 7 years of residing in the community the company known as XXXX XXXX bought the neighborhood from XXXX at XXXX in approximately the year XXXX. When it was time to renew my lease I decided not to renew and to ultimately move out because the new owners XXXX XXXX XXXX management was aggressively harassing and bullying the residents to pay them extra money that the residents didn't owe. My rent was {$560.00} in XXXX for a 1 bedroom apartment. When they wanted me to renew my lease they told me that my renewal rate would be {$1200.00} per month for my apartment. So I moved out then they processed a false eviction and sent it to me and the court in XXXX XXXX. When I moved out I did not owe them any money at all. They were trying to renovate the apartments they were trying these tactics to gain money for the renovations.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (LA)

XXXX XXXX has a balance of XXXX dollars which is incorrect. One main financial XXXX dollars which is incorrect. Louisiana XXXX XXXX XXXX XXXX which has a balance of XXXX. But payment history is incorrect.
Consumer complaint received 2023-06-22
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

IVE BEEN A VICTIM OF HAVING MY INFORMATION RELEASED TO THE PUBLIC WITH VARIOUS DATA BREACHES. THEREFORE, I HAVE HAD PLENTY OF INACCURATE ACCOUNTS LISTED ON MY CREDIT REPORT THAT WERE PREVIOUSLY DISPUTED. SOME ACCOUNTS CAME BACK AS VERIFIED WITHOUT ANY PROOF OF THE PROCESS THAT WAS USED TO VERIFY THESE INACCURATE AND INCOMPLETE ACCOUNTS. I NEED THESE ACCOUNT REMOVED IMMEDIATELY BECAUSE THEY ARE RUINING MY REPUTATION WITH THE BANKING SYSTEM. I SENT LETTERS ASKING FOR THE METHOD OF VERIFICATION MORE THAN 30 DAYS AGO AND I STILL HAVENT GOTTEN A RESPONSE
Consumer complaint received 2017-09-27
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. (VA)

I have hard inquiries on my credit report that I did not authorize. I have tried to contact equifax on several attempts to remove these inquires and I have been receiving the run arounds. Hard inquiries such as XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX (XX/XX/XXXX ), XXXX XXXX XXXX (XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX), XXXX XXXX XXXX (XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX (XX/XX/XXXX), XXXX XXXX (XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX (XX/XX/XXXX), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ). Fraud alert has been place on my credit report. XXXX XXXX XXXX and XXXXt ( coincidentally from the same bank ) accounts played part of identity theft.l and should be taken off my credit report. These inquires were not authorized and need to be removed from my credit report.
Consumer complaint received 2021-11-13
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. (GA)

I am filing this complaint as my self Experian had placed 15 un authorized inquiries on my crdit report Reported inquiries without my written consent a violation under 15usc1681 ( a ) ( 4 ) 1681n ( a ) ( 1 ) ( A ) - Unauthorized Inquiries hold civil liability up to the amount of {$1000.00} or the actual damage as the cause of this failure, whatever is greater.
Consumer complaint received 2019-07-22
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 — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC. (TX)

I have a loan with ALLY FINCL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX and ( XXXX XXXX ) with no successful resolution. XXXX   and XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2015-07-24
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (WA)

I received a text and email from Chase Bank notifying me about a potential charge ( possible fraud ). I responded in saying I had not made the purchase and received a reply that the next available fraud analyst would be giving me a call. Over XXXX hours later, no call .... I the called Chase were an Analyst was rude, could not answer why I never received a call and was completely misinformed about credit card protection laws, etc. Chase should not be in the credit card business, or banking industry as they lack or have broken fundamental, basic processes that are core to identity theft and fraud detection. I have since closed all my accounts with Chase and encourage others to do so.
Consumer complaint received 2015-12-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Credit Technologies, Inc. (MI)

A credit report was run for me as I 'm trying to get a mortgage. A debt collection that I paid off with a {$0.00} balance in XX/XX/XXXX is being reported as a {$0.00} balance every month by the collection agency. The report comes back and shows the most recent report of a {$0.00} balance as XX/XX/XXXX instead of the date it was originally paid off ( XX/XX/XXXX ). The credit reporting company ( I assume ) must be looking at the most recent report of a {$0.00} balance instead of the first date it was reported as a {$0.00} balance ( XX/XX/XXXX ).
Consumer complaint received 2019-11-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

I have a previous complaint about this company for the reason that they would not give me a payout amount. After lodging the complaint I called back and notified them that I had lodged a complaint with you against them. At that time they became very helpful and gave me a payout. Unfortunately they added an extra {$170.00} that they describe as interest. They are accruing the interest to XXXX. I made a wire transfer on XXXX, and payed the loan in full. The company specialize loan servicing just got the loan on XXXX. They have only had the loan 3 weeks. The interest per month is about {$45.00}. How did they get to the dollar amount of {$170.00}. I should not have damages or penalties due to them taking over my mortgage. Please help. Thankyou XXXX XXXX.
Consumer complaint received 2021-11-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX currently shows a {$370.00} collection for XXXX XXXX XXXX on my Equifax credit report, which I disputed repeatedly WITH EVIDENCE to no avail. Equifax refuses to remove this falsely reported debt, which I do not owe because my former Employer XXXX is responsible for this medical debt, see email confirming this by XXXX HR. 

Heres what happened. 

InXX/XX/XXXX, I worked at XXXX but was let go as of XX/XX/2018, and according to our separation agreement ( see email copy from HR ), my health insurance with XXXX was valid through XX/XX/2018. When I went to XXXX XXXX XXXX with XXXX XXXX, the front desk staff CONFIRMED that my health insurance was active and valid. Then, they sent me a {$370.00} bill. I contacted XXXX XXXX XXXX repeatedly. They said my employer would have to contact them. 

I contacted my employer XXXX ( see attached ) who confirmed my insurance had to be valid and active through XX/XX/2018. See attached emails. 

However, my former employer dissolved business, the HR person was no longer there, the CEO moved to another state with another company, and no matter where I emailed, nothing was emailed back. Phone was disconnected and so was the physical address. See attached emails. 

The {$370.00} is not the debt I owe for my XXXX XXXX XXXX  visit because as you can see from the attached proof, XXXX was responsible for paying it, not me. This must be removed immediately from my credit report. This is false reporting and violates my FCRA rights. Ive attempted multiple times to resolve it directly with the company to no avail. See my credit report copy from TODAY : this falsely reported collection still shows on my Equifax credit report and must be removed.
Consumer complaint received 2021-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Paramount Capital Group, Inc. (DE)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Also, this is to inform you that there is no third party involve in this process. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
PARAMOUNT XXXX Balance {$8900.00} Date Opened : XX/XX/2018
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the XXXX XXXX act XXXX XXXX XXXX XXXXnd XXXX XXXX amount {$740.00} : date XX/XX/2021 has violated my right to privacy. 
XXXX15 USC 1681 Section 602 states i have the right to privacy.

.15 USC 1681 Section 604A Section 2 It also, states a consumer reporting agency can not furnish a account without my written instructions. 
.15 USC 16666B A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-12-16
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. (PA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-19
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life.
Consumer complaint received 2022-12-16
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. (DC)

I went to the car dealership and was screened with multiple hard inquires that I wasn't aware of or didn't consent to. 


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