davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

I have a XXXX Merrill + Signature card by Bank of America.

One of their benefits for using the card is to get to Level + for some specific benefits. I did reach that goal and I want my {$200.00} travel credit for the airline fees. However, the number they have provided is only for Bank of America and no one can reach Merrill Lynch for the reward benefits. On their website XXXX on page XXXX and XXXX it clearly states the benefit of {$200.00}. Also the phone number to reach XXXX. This number goes to Bank of America which can not access the Merrill Lynch benefits. I have credit from last year that has not been resolved ( {$200.00} ) and this year for additional ( {$200.00} ). I would like a total of {$400.00} credited to my account. Below is right out their catalog. 

Travel Credit Up to {$200.00} Travel Credit After you qualify and enroll, your travel credit can be used toward air incidental purchases across multiple airlines. And your credit is automatically applied to your card statement no need to call for reimbursement. 
A wide range of travel purchases can be offset by your travel credit, such as : Seat upgrades In-flight meals and beverages In-flight Wi-Fi Airport lounge day passes Your travel credit can also offset travel expenses, such as : Baggage fees Flight change and cancellation fees Expedited check-in fees Global Entry application fee To check your current spend status, call your financial advisor To enroll in the Travel Credit once you qualify, call the Rewards and Benefit Center at XXXX and say Card Benefits
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

I have the right to ensure that my private information is not shared without my consent. The Fair Credit Reporting Act and other laws protect my privacy and require consumer reporting agencies like XXXX and Experian to exercise fairness, impartiality, and respect for my privacy. These agencies need my written instructions to furnish my information to financial institutions. However, I have not given my consent for them to share my information, and they have not informed me of my right to exercise my nondisclosure option. Additionally, they are reporting adverse information about my account without my permission, which is against the law. The agencies are also required to maintain reasonable procedures to avoid violations and limit the furnishing of consumer reports. I have the right to opt out of their reporting at any time.
Consumer complaint received 2018-12-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (VA)

When I open the citi bank checking and saving account in the end of XXXX, there is promotion : deposit more than 15,000 within 60 days, you will get {$400.00} bonus in 90 days. I did deposit $ 15000+ on XX/XX/XXXX. But I got nothing so far. Contacted them twice saying i am qualified, but just wait please. It's not acceptable
Consumer complaint received 2018-05-13
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: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX I sent a XXXX letter to Experian ( XXXX ) asking that they remove certain inquiries off my credit file, that did not belong to me. 
As well, any addresses other than XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL. XXXX. 
Subsequently thereafter, I was notified through Experians ( www.experian.com ) credit monitoring system as well Experian id works ( XXXX ) on Wednesday XX/XX/XXXX about a potentially negative item on my credit bureau which was XXXX XXXX XXXX. 
I personally reached out to XXXX XXXX XXXX and confirmed with them that this was an error. 
They themselves, were not sure why Experian was reporting this information on my credit file because the social security was not mine XXXX, neither did the address match. The only thing matching was the name, they stated they asked Experian to remove it immediately. 
A few days later I discovered that monthly subscription of a free credit report with ( www.Experian.com ) was not  working as well the same with ( XXXX ) both services were giving error messages for not being allowed to pull my credit bureau. 
Experian id works filed a trouble ticket on my behalf with Experian directly because Experian has me on a write in status only. ( Completely abusive tactic on Experians part for people who ask them to respectively do their job correctly, they will ban you from calling ) For an over entire month, Experians technical team gave their own colleagues the run around and continually stating they were addressing the error messages and finally this week, Experian told their affiliate to tell me, the party has to put his request in writing almost two months later. Completely and Utterly Unbelievably Abusive That same day my credit file miraculously came back online with both www.Experian.com and www.Experianidworks.com however this credit file was not mine and had been crossed with another social security numbered credit file other than mine, an entirely different credit file that had nothing to do with me. 
My credit file XXXX was completely fine with the exceptional of XXXX XXXX XXXX and XXXX being reported prior to XX/XX/XXXX. 

I faxed Experian 35 pages on XX/XX/XXXX to XXXX explaining the serious and urgent nature of this matter which included a bank statement for address proof, a copy of my social security card and a copy of my government issued passport, along with the credit report and all its inaccuracies, which was successfully transmitted. 
I also overnited the same documents to Experian Consumer Affairs XXXX XXXX XXXX XXXX TX XXXX tracking number XXXX XXXX XXXX Again Experian has caused and is continually causing me some irreversible damage, because of someone's poor performance.
Consumer complaint received 2018-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NC)

In XXXX and XXXX of this year, I contacted Equifax, XXXX and XXXX online to dispute an account with XXXX XXXX that meets the requirements of " Credit reporting time limit ''. I am a single mom of 3 trying to purchase a home and this is the only account that is affecting my credit. This is an account that was paid off almost 8 years ago, but unfortunately I do not have a receipt because I went through a divorce process and can not locate most of my paperwork for old bills. XXXX and XXXX  immediately deleted this 8 year old account to my satisfaction and my score is in the mid 700 's now with both of them. With Equifax I have disputed it TWICE and I even told them that by law, credit bureaus are only allowed to list negative items for a certain amount of time, and the XXXX account meets and EXCEEDS the time limit for negative information. Please help me in resolving this issue. I don't understand why XXXX and Equifax keeps violating the Fair Credit Reporting Act.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NC)

Navient 's intrest rates are way to high and they will not work with me on repayment. Upon asking several times for options to repay on a payment plan that i could afford, Navient told me that the only option was to go into forbearance and during the forbearance, my interest rates and amounts owed to Navient, were still accumulating. They have not offered anything to me other than the forbearance that has effected my credit scores and made it to where I feel I will never be able to repay my loans. My payments were not applied correctly to my credit reports, showing they were paid on time, resulting again in the drop of my credit scores. This company has made it so that I will never be able to get out of debt and my credit has paid tremendously for their mistakes.
Consumer complaint received 2022-06-18
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. (TN)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2020-02-03
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: BARCLAYS BANK DELAWARE (AK)

Received a letter dated XXXX of XX/XX/2020, from Barclays of XXXX, Delaware XXXX, that they had inquired about my credit score. I do not recognize this company. I did not authorize them to look up my credit nor did I inquire about any kind of card or services of theirs. Attempts to contact their complant department using a phone number on their website ( XXXX ) do not result in contact with any human being, and they provide no other number in which a human seems to answer. That is my extent of an inquiry with them as it made it nowhere. I would like to find out who authorized a credit search, copy 's of all documentation related to this, as well as an explanation as to why they can search my credit without my consent. Application # XXXX
Consumer complaint received 2020-02-03
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: ACI Worldwide, Corp. (NY)

while login on to my credit monitoring site I notice a few accounts on my report that does not belong to me I would like for these fraudulent accounts removed asap these accounts or on my XXXX, XXXX, and my XXXX as well 1.XXXX  XXXX  {$31000.00} date open XX/XX/XXXX 2.XXXX  XXXX  XXXX  XXXX   {$2100.00} date open XX/XX/XXXX 3. XXXX  XXXX  XXXX {$910.00} date open XX/XX/XXXX
Consumer complaint received 2021-09-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC (CA)

This is my second complaint about this company. They have inaccurately reported to the credit bureau AGAIN and negatively impacted my credit. The company has responded to my previously complaint # XXXX with LIES. I have NOT received any communication from this company regarding the debt or my ability to dispute the debt. 
As per their communication to your office they indicated Sunrise sent multiple written correspondence detailing the account and containing all required disclosures, but we were never able to reach Ms. XXXX via phone '' This is not factual information. My rights under the FCRA are not communicated by phone. I have never received communication from this company. 

Further your company reported this information excessively. 
Your response on XX/XX/21 stated " Sunrise has also sent a deletion request to the credit bureaus to which it reports on behalf of the creditor to remove any negative trade-line it may have reported Sunrise will no longer be involved unless we can be of assistance to your office or the consumer directly '' Now. LESS than 30 days from the company statement, this information was reported again to the credit bureau. This furthers my claims of excessive collection activity. 
Cease and desist with this predatory practice. 

REMOVE THIS INFORMATION and STOP PROVIDING FALSE STATEMENTS TO THE CFPB. I WILL PURSUE MY RIGHTS TO SUE YOUR COMPANY FOR VIOLATION OF MY RIGHTS.
Consumer complaint received 2021-11-30
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: EQUIFAX, INC. (GA)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown 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 by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives 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 de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-02-03
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: CCS Financial Services, Inc. (NY)

while login on to my credit monitoring site I notice a few accounts on my report that does not belong to me I would like for these fraudulent accounts removed asap these accounts or on my XXXX, XXXX, and my XXXX as well 1.XXXX XXXX {$31000.00} date open XX/XX/XXXX 2.XXXX XXXX XXXX XXXX   {$2100.00} date open XX/XX/XXXX 3. credit collection serv {$910.00} date open XX/XX/XXXX
Consumer complaint received 2018-12-08
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: CAPITAL ONE FINANCIAL CORPORATION (WA)

Inquiry put on credit XX/XX/XXXX From XXXX XXXX  XXXX Also one from XX/XX/XXXX from XXXX  I did not authorize either of these hard pulls nor did i apply for credit or loans through this company.i have sent a letter XX/XX/XXXX to XXXX XXXX  at XXXX XXXX XXXX XXXX XXXX sd XXXX.i have yet to recieve a response.
Consumer complaint received 2021-02-13
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

There was a recent debt added from XXXX XXXX XXXX originally XXXX XXXX in the amount of {$550.00} to my credit that does not belong to me, so I filed a dispute with experian. I received a response stating the invest was complete and there was no change. I know that if there was an actual investigation they would have found out that, that account didnt belong to me. I looked up the company and it is XXXX XXXX, they are saying I had cable opened XX/XX/2020.
Consumer complaint received 2018-05-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alpha Recovery Corp (FL)

A company named XXXX XXXX, XXXX from XXXX That went out off business for falsely billing XXXX and was raided by the XXXX. Has a Company Called Alpha Recovery there address is XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Phone number XXXX. They are trying to collect {$1400.00} Saying that a mental heath doctor ordered Labs. I called the mental health doctor and they said they never order labs for me and they don't ever order lab work he is a mental health councilor. 

Here is a Link backing up my information its a story of how and what happened at confirmatrix XXXX XXXX XXXX -- XXXX And here is a link to some one else having the same problem with the same company XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2018-12-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (DE)

I received a overdraft fee from Pnc Bank, when I have a line of credit. The line of credit was not used nor was the funds in my other savings account.A {$36.00} fee was placed on my account for a mistake made by the bank? I would like the fee to removed and added back to my account.
Consumer complaint received 2020-02-03
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital One is reporting an account on my credit report and I disputed the account because I don't think it mine. I asked for validation and is not getting a legitimate response, and it has been over 30 days. 

They keep telling me about a balance but is not sending any valid proof that I am responsible for this account or if I agreed to the charges. 

Account nunumber is XXXX
Consumer complaint received 2019-08-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (CA)

My wife and me was having medicare service with XXXX XXXX XXXX for the year of 2018. A number of years we have service from XXXX to XXXX of every year because my wife us working at the XXXX XXXX XXXX from XXXX to XXXX/XXXX.Through my wife 's work we are cover by XXXX XXXX . In order to make sure that XXXX XXXX XXXX get the message that we are are going to stop the service in XXXX I called the XXXX in XX/XX/2018. I wrote down that I did talked to XXXX XXXX and others with the reference number XXXX. I did requested to talk to some one higher up on the phone and was told that I do not have to do anything as noted during the conversation that XXXX XXXX will inform XXXX XXXX XXXX. Anyway I gave the reference number a number of times and the problem is not solved.
Consumer complaint received 2018-05-14
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: Fidelity National Information Services, Inc. (FNIS) (NY)

I am a victim of identity theft. I have previously disputed items within the ChexSystems report and I have now received responses to my disputes from ChexSystems. 

In the responses to the disputes ChexSystems acknowledged that they received a copy of the police report I filed, however they said they could not use the police report because the information stolen could not be used to open bank accounts. 

The police report states that the items stolen from my office include : my social security card and my passport which includes my date of birth. ChexSystems is not correct when they have stated that the police report was not sufficient. 

ChexSystems continues to report addresses on my ChexSystems report that are not mine and do not belong to me and that I have never lived at. Being in the middle of identity theft and is hard and ChexSystems is making it much harder to prevent further security threats to my identity by continuing to report addresses that do not belong to me. I have now filled out an FTC affidavit of identity theft and have listed all the addresses on the affidavit that are not associated with me. 

I wish to dispute the following addresses on my ChexSystems report due to fraud : All variations of the following addresses are incorrect and should be removed. 

XXXX XXXX XXXX XXXX XXXX, Texas ; XXXX XXXX XXXX XXXX, TN ; XXXX XXXX XXXX XXXX, TN ; XXXX XXXX XXXX XXXX, TX ; XXXX XXXX XXXX, TX  ; XXXX XXXX XXXX XXXX, Texas ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas If any of these addresses were reported to ChexSystems by a financial institution that financial institution did not have my authorization to view, access or update my ChexSystems report and thus ChexSystems may not use that as a reason to keep reporting the incorrect information. 

I am also disputing the following inquiries that are appearing on my ChexSystems report and were not authorized by me : XXXX XXXX XX/XX/XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX I have previously disputed the inquiry from XXXX XXXX XXXX XXXX XXXX XXXX - date XX/XX/XXXX. I disputed this directly with XXXX who told me they were requesting a removal from my ChexSystems report but it is still being reported.
Consumer complaint received 2021-02-13
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

After I filed complaint about an inaccurate balance showing as past due Experian fixed the issue with the balance. However, the balance was paid in full in XX/XX/XXXX, yet the report now shows the account was in collections until XX/XX/XXXX. This is inaccurate. I paid off the balance in XX/XX/XXXX and then there a mistaken tax bill sent in XX/XX/XXXX, which was cancelled. There was nothing due from me after XX/XX/XXXX.
Consumer complaint received 2018-05-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (WA)

AFNI, Inc. sent me a collections notice. This debt does not belong to me. By law, a debt collector is required to validate that this debt is mine ( via a contract ) before they can report the debt on my credit report. Because this debt is not mine, I know these procedures were not followed and is causing unjust harm to my credit report.