davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Continental Finance Company, LLC (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

The Credit bureaus stated " my account was properly investigated '' but I'm not sure if that is accurate if the open date, last reported, comments, and date last active are inaccurate. I have attached snippets of 3 different items across all 3 credit bureaus that are clearly inaccurate. This is simply ground for removal.

The Credit Bureaus also violated my rights under : 15 U.S.C 1681 section 602 A : I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish a account without my written instructions.

The Credit Bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX, XXXX, XXXX.
Consumer complaint received 2018-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (VA)

Submitted a dispute to Experian via experian website for a Bankruptcy showing on my credit report on XX/XX/2018 and they said that they verified the Bankruptcy on XX/XX/2018 but after sending a letter to the court house they listed on the dispute results on XX/XX/2018 the courts replied on XX/XX/2018 that the US Bankruptcy Court does not report to credit bureaus. I submitted a new dispute today, XX/XX/2018 and submitted the letter from the courts and requested to have the item removed but have not received a response as of yet.
Consumer complaint received 2022-07-26
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. (TX)

The Credit bureaus stated " my account was properly investigated '' but I'm not sure if that is accurate if the open date, last reported, comments, and date last active are inaccurate. I have attached snippets of 3 different items across all 3 credit bureaus that are clearly inaccurate. This is simply ground for removal. 

The Credit Bureaus also violated my rights under : 15 U.S.C 1681 section 602 A : I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish a account without my written instructions.

The Credit Bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX, XXXX, XXXX.
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I only have one address that's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I gaining to give an id and bank account letter head for accuracies. I m not connected to any other address. This will be my proof that this is me also
Consumer complaint received 2020-09-23
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: CITIBANK, N.A. (NV)

On XX/XX/XXXX I applied for my first Citi card in the branch of XXXX, CA XXXX. A Citi ThankYou Premier Credit Card, which would land me XXXX ThankYou points for {$4000.00} in spending over 3 months. At the time when I applied, I shared the concerns with the banker ( female, XXXX ) that spending {$4000.00} in 3 months may be a fickle given the outbreak of COVID, she then said : Citi is likely to offer certain benefits to minimize the issues. 
Then my first contact to Citi Customer serivce 1 month prior the offer ends ( end of XXXX ), Agent confirmed the customer whove applied for a new credit card between XX/XX/XXXX through XX/XX/XXXX can receive three more months to earn the welcome bonus. 

I then escalated to supervisor just for sure. After supervisor had also confirmed the offer for an extension of three more months ( The expiration date will be updated to XXXX. ) I have no issues checking the status of spending untill XXXX XXXX when a citi agent said she couldn't find any extension attached to the credit card, thus the promotion is expired! 

The second contact with Citi again on XXXX XXXX and explain the situtations with a customer service agent, she then apologized for the misinformation after she checked with other departments, claimed : no such offer was given. 

A supervisor was being involved, she then confirmed an extension request was made back in XXXX and it is still valid. ( which was a mindblowing experience ), I was able to have her name : XXXX, and her position : Account supervisor, to be sure. 

The third contact with Citi on XXXX, I talked to a supervisor just to confirm the extension, she confused and said nothing was showing on her side ( Rising the discrepancy of the policy ), she can only offer XXXX reward points as an apology for the mis-information. 

Moreover, it is ridiculous for such time-consuming conversations, since they have voice-recording policy everytime when I speak to a supervisor, which just an undeniable fact that they ignore the fact intentionally and cause a painful experience to customers. 

Overall, I have been given the wrong information over and over again, yet Citi can't even communicated well on this, I've found XXXX reported the extension policy in XXXX ( https : //www.cnbc.com/select/coronavirus-credit-card-sign-up-bonus-extensions/ ), which Citi is included, I also collected evidences from my friends and myself showing they have made such statement. Please refer to the documents attached.
Consumer complaint received 2021-04-14
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: CITIBANK, N.A. (CA)

XXXX XXXX XXXX XXXX
XXXX
INQUIRY  WAS PLACED ON MY NAME WITHOUT MY PERMISSION 

CITI CARDS
XXXX INQUIRY WAS PLACED ON MY NAME WITH MY PERMISSION 


XXXX
XXXX
INQUIRY WAS PLACED ON MY NAME WITHOUT MY PERMISSION
Consumer complaint received 2020-11-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST HORIZON BANK (TN)

I had attempted to order a product from XXXX, I had inadvertenly used my debit card when I intended to use other loan product. I called XXXX 4 times the day the error occurred. I was assured 4 times that my order had been cancelled. A hold had been placed on my account for around XXXX I contacted First Horizon bank that day to report the issue and to open a fraud claim. I was told I needed to wait for it to hard charge to my account. On XX/XX/XXXX, the charge hard posted, I contacted the fraud department and started the process. I was told I would get my funds back within 5-10 days. I received 2 products from the company. After numerous issues filled through the XXXX  I received a return label for the product and sent it back XX/XX/20. I contacted First Horizon bank this morning to give them an update and to see where my report stood. They had closed out my case as I still had the product. I was unable to return until I received the label. They re-opened my case XX/XX/20 but stated I would not get my funds provisionally. I would get the funds back once they received the charge back from Visa. I believe this is a violation of Regulation E. My understanding is that they must provide provisional credit within 10 days and then they may pull the funds back if my claim gets denied, or recoup their funds when the merchants charge back is received. I have been without access to my funds due to the debit card hold and the hard charge since XX/XX/XXXX.
Consumer complaint received 2021-07-12
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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

My name is XXXX XXXX. My wife and I are XXXX and XXXX respectively. We are currently Platinum Rewards customers with Bank of America ( BOA ) and have been faithful customers for more that 30 years. Up until XXXX of XXXX our credit rating had been in the mid to upper XXXX. However, in XXXX of 2021 we received a letter from BOA stating that our credit rating was now in mid XXXX due to missed payment in XXXX and XXXX, 2021. 
As a result, our credit limit on our Travel Rewards Card went from {$14000.00} to {$3000.00}. Although the minimum payment was {$43.00} per month we paid {$200.00} each month. I want to add that in XXXX of 2021 I underwent a XXXXXXXX XXXX  and in XXXX of 2021 my baby brother XXXX from a sudden and massive XXXX XXXX at the age of XXXX. 
We consider these extenuating circumstances ( as well as I accidentally unchecked mailed bills on bank setting ) that resulted in our being late on these payments. 
I contacted a Vice-president of Complaint Resolution for BOA in XXXX of 2021 by the name of XXXX XXXX XXXX XXXX and explained our situation. My request to her was to consider our past reliability of XXXX late payments to BOA for ANY accounts for our entire history with the bank as well as the above mentioned medical and death in the family events. We wanted our credit limit on our travel card and our superior credit rating returned to their previous levels. Unfortunately, this request has been denied by BOA. This was not a satis My wife and I are appalled and disappointed that even during a pandemic and with life changing events as noted above, that a banking institution, that just recently in an email thanked us for being Platinum Rewards members, could not make a special allowance to restore our exceptional credit history and financial reputation. 
Is there anything that you can do to help us in matter?
Consumer complaint received 2022-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I ordered an entry table from XXXX I did not receive the item for a very long time. When I did I received socks from XXXX. I tried calling the number at the bottom of the website ( XXXX ) XXXX and some man picked up and said the company was a scam. I called capital one with the dispute and have received the absolute worst service every. They contacted the company XXXX  and they said I ordered a table cloth! Which is not what I ordered. I provided the email receipt and capital one will not support my claim. They hang up on me. I explained that I called the number on the site and they said they wanted documentation. I asked how to provide it besides giving them the number off the website or providing them with a call log and that was not what they wanted. But they would not help explain how to provide what they could use. Please help me with this claim. I am extremely frustrated and disappointed in capital ones customer service and the fact that I was hung up on twice.
Consumer complaint received 2021-07-12
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. (FL)

I'm no expert or anything but I know for sure that the three bureaus most report 100 % accurate information to a credit report, I took a look at my credit report not to long ago and there's nothing but INCORRECT items on my credit report that doesn't even belong to me. So not only is the information inaccurate across all bureaus but the items don't even belong to me. I've disputed multiple times and the bureaus aren't taking it serious, they're continuing to report incorrect items on my credit report, I will be attaching these inaccuracies to this complaint. It's honestly ridiculous. Remove ALL of these incorrect information so I can move on with my life. You are defaming me and I feel like I'm being toyed with. I also refuse to dispute directly through any of the bureaus because they clearly will not fix the problem. I'm just sick of this all together. Literally all you guys do is defame consumers for a living.
Consumer complaint received 2016-04-30
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX/XXXX/16 I contacted the claims department at Bank of America and gave information on a {$60.00} charge from XXXX and requested that it be reversed. Quibids offered to sign me up for a membership but said nothing about the {$60.00} charge I later discovered on my debit card, which over-drafted my account by {$25.00} and incurred XXXX {$35.00} overdraft fees. After calling the claims department, someone erroneously transferred me to the fraud department and after over 45 minutes on hold, the gentleman there insisted on cancelling my card, and it took another 20 minutes to have the card reinstated. Once I finally got to speak to someone in claims, an associate named XXXX argued with me about XXXX having a no-refund policy and how Bank of America could not reverse the charge if this was the case. From the beginning I stated that the claim was about whether I had given XXXX permission to charge my debit card, not whether the company would refund me the {$60.00}. To make matters worse, Bank of America insists on treating the claim like a fraud case, which routinely take 10 business days to investigate. I spoke to a claims supervisor by the name of XXXX and explained that my account carries a negative balance because of the charge and in the meantime I must purchase food and medicine ; however, since they insist on treating my claim as fraudulent activity, they will only offer temporary credits which expire within 24hrs while they take 10 days to investigate my claim. Since I previously suffered fraudulent use of my card last year, I am familiar with such procedures, and I remember having to call the bank on each day of the investigation and request ( beg ) for the temporary credit that I knew would expire that evening at midnight. I did this for XXXX days. By XXXX this evening there will be XXXX additional overdraft fees for each pending transaction, even though only XXXX of the transactions caused the overdraft. There is nothing to investigate as many consumers ( according to Consumer Affairs and XXXX have had the same problem : XXXX and XXXX. XXXX charging me without my consent was bad enough, what Bank of America has done is worse.
Consumer complaint received 2023-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TRUIST FINANCIAL CORPORATION (MD)

The Truist Visa card has only been opened a very short time. In this time though there has been many problems regarding the flow of charges on the card. There are often several charges for the same charge even after cleared the same charge doesn't clear in the pending and status remains on the info I see online. This is also a problem experienced several times when shopping where the cashier returns my card and said it was declined although it should not be. Every week there are double or triple purchases and refunds pending on the card and it doesn't consistently stay accurate to the spending and refunds only for how this card is being used. This is troubling and needs attention.
Consumer complaint received 2019-11-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

PLEASE LOOK INTO THE CHAPTER XXXX BANKRUPTCY ACCOUNT THAT HAS BEEN DISCHARGED IN COURT SINCE XX/XX/XXXX. THERE IS NO BALANCE ON THIS AND IT HAS REALLY BEEN AFFECTING ME INTENSELY, AND BECOMING AN OBSTACLE IN MY LIFE. I HAVE ATTEMPTING TO GET THIS ACCOUNT REMOVED OFF OF MY CREDIT REPORT SINCE XXXX OF XXXX, NOTHING HAS BEEN DONE ABOUT THIS MATTER AND I DEMAND TO KNOW WHY IMMEDIATELY. THIS IS REALLY AFFECTING MY RIGHTS AS A CONSUMER AND IS VIOLATING EVERYTHING.
Consumer complaint received 2021-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple 60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately
Consumer complaint received 2019-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NM)

Thanks to the CFPB I was able to get my account settled after it was lost in their system. Now they are reporting I still have a balance when I dont. I am a vet trying to buy a house and desperately need a paid in full letter but they refused for over two weeks after the money cleared my account. After 25 phone calls and six people each day I am now getting them to fax a letter but it takes up to 48 business hours and the last one was supposed to be sent four days and my lender didnt get it. So 20 calls later they are resending it and of course it will take another 48 business  hours because they refuse to expedite it. They also refuse to give me to a superior stating that no one is there at the moment.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Colony Brands, Inc. (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2019-09-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SOUTHWEST COLLECTION SERVICES INC. (CA)

Collection Agency ignore my dispute letter, Don't want to talk and Reported to Credit Bureau -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Amount {$120.00} Is XXXX SOUTHWEST COLLECTION S Phone ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX : What You told me on XXXX, I have to re-admitted in Hospital to help me, Talk your doctor and get re-admitted Was this worth {$150.00} and hire Collection Agency, and RUIN MY CREDIT? 
Ive Never missed Single bills in my XXXX years, If you feel you need get paid on this, Remove Credit Report and Call me XXXX or email me XXXX Below was my letter collection agency XX/XX/2019 To whom it may concern : 1.While I was waiting XXXX XXXX in the Hospital while accumulating {$28000.00} of bills, He never show up nor came. 
2.having 2nd Severe XXXX XXXX XXXX, much severe than I went emergency for, XXXX XXXX office Made me wait 10 days without even painkiller 3.On top of XXXX XXXX and XXXX XXXX verified XXXX XXXX XXXX, From hospital, XXXX XXXX Create additional Bill of X-ray. 
4.After that, Only he told me let him know when my regular Dr admitted me in hospital again, otherwise he cant do anything and XXXX XXXX didnt do ANYTHING other than Create additional Bill! 

IF XXXX XXXX disagree, XXXX XXXX himself call or write to me
Consumer complaint received 2022-07-26
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 with the Fair Credit Reporting act XXXX Account, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, Us Dept of EdXXXX XXXX XXXX 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 2022-07-26
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 with the Fair Credit Reporting act XXXX Account, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, Us Dept of EdXXXX XXXX XXXX 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.